INTRODUCTION 
Morize (”Company” or “We”) respect your privacy and are committed toprotecting it by complying with this policy.This policy describes:•       How we collect, use, disclose, and protect thepersonal information of our customers and website users (”you”).•       Describes the types of information we may collect fromyou or that you may provide when you visit the website www.morize.ca (our “Website”).•       Our practices for collecting, using, maintaining,protecting, and disclosing that information.We will only use your personal information in accordance with thispolicy unless otherwise required by applicable law. We take steps to ensurethat the personal information that we collect about you is adequate, relevant,not excessive, and used for limited purposes.Privacy laws in Canada generally define “personal information” as anyinformation about an identifiable individual, which includes information thatcan be used on its own or with other information to identify, contact, orlocate a single person. Personal information does not include business contactinformation, including your name, title, or business contact information.This policy applies to information we collect, use, or disclose aboutyou:•       On this Website.•       In email, text, and other electronic messages betweenyou and this Website.•      Throughmobile and desktop applications you download from this Website, which providededicated non-browser-based interaction between you and this Website.•       When you interact with our advertising andapplications on third-party websites and services if those applications oradvertising include links to this policy. The Website may include links to third-partywebsites, plug-ins, services, social networks, or applications. Clicking onthose links or enabling those connections may allow the third party to collector share data about you. If you follow a link to a third-party website orengage a third-party plugin, please note that these third parties have theirown privacy policies and we do not accept any responsibility or liability forthese policies. We do not control these third-party websites, and we encourageyou to read the privacy policy of every website you visit.This policy DOES NOT apply to information that:•       We collect offline or through any other means,including on any other Company or third-party website (including our affiliatesand subsidiaries).•       You provide to or is collected by any third party,through any application or content that may link to or be accessible from or onthe Website.Please read this policy carefully to understand our policies andpractices for collecting, processing, and storing your information. If you donot agree with our policies and practices, your choice is not to use ourWebsite. By accessing or using this Website, you indicate that you understand,accept, and consent to the practices described in this policy. This policy maychange from time to time Your continued use of this Website after we makechanges indicates that you accept and consent to those changes, so please checkthe policy periodically for updates.    

‍INFORMATION WE COLLECT ABOUT YOU  
We collect and use several types of information from and about you,including:•       Personal information, that we can reasonably use todirectly or indirectly identify you, such as your name, mailing address, e-mailaddress, telephone number, Internet protocol (IP) address used to connect yourcomputer to the Internet, user name or other similar identifier, billing andaccount information, social insurance number, OTHER PERSONAL INFORMATION THEWEBSITE COLLECTS, and any other identifier we may use to contact you (”personalinformation”).•       We provide an opportunity for any user to unsubscribefrom our TYPE OF PROGRAM OR COLLECTION or opt-out of contact for marketingpurposes or OTHER PURPOSE on an ongoing basis by accessing our Website, usingthe unsubscribe mechanism at the bottom of our e-mails, or e-mailing to support@morize.ca.•       Non-personal information, that does not directly orindirectly reveal your identity or directly relate to an identifiableindividual, demographic information, or statistical or aggregated information.Statistical or aggregated data does not directly identify a specific person,but we may derive non-personal statistical or aggregated data from personalinformation. For example, we may aggregate personal information to calculatethe percentage of users accessing a specific Website feature.•       Technical information, including your logininformation, browser type and version, time zone setting, browser plug-in typesand versions, operating system and platform, or information about your internetconnection, the equipment you use to access our Website, and usage details.•       Non-personal details about your Website interactions,including the full Uniform Resource Locators (URLs), clickstream to, through andfrom our Website (including date and time), products you viewed or searchedfor, page response times, download errors, length of visits to certain pages,page interaction information (such as scrolling, clicks, and mouse-overs),methods used to browse away from the page, or any phone number used to call ourcustomer service number.  

‍HOW WE COLLECT INFORMATION ABOUT YOU  
We use different methods to collect your information, including through:•       Direct interactions with you when you provide it tous, for example, by filling in forms or corresponding with us by phone, email,or otherwise.•       User contributions. You may also provide informationfor us to publish or display on public Website areas or transmit to otherWebsite users or third parties.•       Automated technologies or interactions, as younavigate through our Website. Information collected automatically may includeusage details, IP addresses, and information collected through cookies, webbeacons, and other tracking technologies.•       Third parties or publicly available sources, forexample, our business partners.      Information You Provide to Us  The information we collect directly from you on or through our Websitemay include:•       Information that you provide by filling in forms onour Website. This includes information provided at the time of registering touse our Website, subscribing to our service, posting material, and or requestingfurther services. We may also ask you for information when you enter a contestor promotion sponsored by us, and when you report a problem with our Website.•       Records and copies of your correspondence (includingemail addresses), if you contact us.•       Your responses to surveys that we might ask you tocomplete for research purposes.•       Details of transactions you carry out through ourWebsite and of the fulfillment of your orders. You may be required to providefinancial information before placing an order through our Website.•       Your search queries on the Website. You may also provide information to be published or displayed(hereinafter, “posted”) on public areas of the Website or transmitted to otherusers of the Website or third parties (collectively, “User Contributions”).Your User Contributions are posted on and transmitted to others at your ownrisk. Although we limit access to certain pages/you may set certain privacysettings for such information by logging into your account profile, please beaware that no security measures are perfect. Additionally, we cannot controlthe actions of other users of the Website with whom you may choose to shareyour User Contributions. Therefore, we cannot and do not guarantee thatunauthorized persons will not view your User Contributions.  Information We Collect Through Cookies and Other Automatic Data  Collection Technologies  As you navigate through and interact with our Website, we may usecookies or other automatic data collection technologies to collect certaininformation about your equipment, browsing actions, and patterns, including:•       Details of your visits to our Website, including trafficdata, location data, logs, and other communication data and the resources thatyou access and use on the Website.•       Information about your computer and internetconnection, including your IP address, operating system, and browser type.We may also use these technologies to collect information about youronline activities over time and across third-party websites or other onlineservices (behavioral tracking). To learn more or to opt-out of tailoredadvertising please visit [Digital Advertising Alliance ofCanada Opt-Out Tool] forinformation on how you can opt out of behavioral tracking on this Website andhow we respond to web browser signals and other mechanisms that enableconsumers to exercise choice about behavioral tracking.The information we collect automatically is statistical data and doesnot include personal information is statistical information and may includepersonal information is statistical information that includes personalinformation, and we may maintain it or associate it with personal informationwe collect in other ways, that you provide to us, or receive from thirdparties. It helps us to improve our Website and to deliver a better and morepersonalized service, including by enabling us to:•       Estimate our audience size and usage patterns.•       Store information about your preferences, allowing usto customize our Website according to your individual interests.•       Speed up your searches.•       Recognize you when you return to our Website.The technologies we use for this automatic data collection may include:•       Cookies (or browser cookies). A cookie is a small fileplaced on the hard drive of your computer. You may refuse to accept browsercookies by activating the appropriate setting on your browser. However, if youselect this setting you may be unable to access certain parts of our Website.Unless you have adjusted your browser setting so that it will refuse cookies,our system will issue cookies when you direct your browser to our Website.•       Flash Cookies. Certain features of our Website may uselocal stored objects (or Flash cookies) to collect and store information aboutyour preferences and navigation to, from, and on our Website. Flash cookies arenot managed by the same browser settings that are used for browser cookies. Forinformation about managing your privacy and security settings for Flashcookies, see Choices AboutHow We Use and Disclose Your Information.•       Web Beacons. Pages of our Website and our e-mails maycontain small electronic files known as web beacons (also referred to as cleargifs, pixel tags, and single-pixel gifs) that permit the Company, for example,to count users who have visited those pages or opened an email and for otherrelated website statistics (for example, recording the popularity of certainwebsite content and verifying system and server integrity).  

‍HOW WE USE YOUR INFORMATION  
We use information that we collect about you or that you provide to us,including any personal information:•       To present our Website and its contents to you.•       To provide you with information, products, or servicesthat you request from us.•       To fulfill the purposes for which you provided theinformation or that were described when it was collected, or any other purposefor which you provide it.•       To provide you with notices about your account/subscription,including expiration and renewal notices.•       To carry out our obligations and enforce our rightsarising from any contracts with you, including for billing and collection or tocomply with legal requirements.•       To notify you about changes to our Website or anyproducts or services we offer or provide though it.•       To improve our Website, products or services,marketing, or customer relationships and experiences.•       To allow you to participate in interactive features,social media, or similar features on our Website.•       To measure or understand the effectiveness of theadvertising we serve to you and others, and to deliver relevant advertising toyou.•       In any other way we may describe when you provide theinformation.•       For any other purpose with your consent.We may also use your information to contact you about our own andthird-parties’ goods and services that may be of interest to you, as permittedby law. If you do not want us to use your information in this way, please checkthe relevant box located on the form on which we collect your data the orderform/registration form, adjust your user preferences in your account profile, usethe unsubscribe mechanism at the bottom of our e-mails and or e-mail us at support@morize.ca. Formore information, see Choices AboutHow We Use and Disclose Your Information.We may use the information we have collected from you to enable us todisplay advertisements to our advertisers’ target audiences. Even though we donot disclose your personal information for these purposes without your consent,if you click on or otherwise interact with an advertisement, the advertiser mayassume that you meet its target criteria.   

DISCLOSURE OF YOUR INFORMATION  
We may disclose aggregated information about our users, and informationthat does not identify any individual, without restriction.We may disclose personal information that we collect or you provide asdescribed in this privacy policy:•       To our subsidiaries and affiliates.•       In accordance with applicable law, to a buyer or othersuccessor in the event of a merger, divestiture, restructuring, reorganization,dissolution, or other sale or transfer of some or all of Morize’s assets,whether as a going concern or as part of bankruptcy, liquidation, or similarproceeding, in which personal information held by Morize Financial about ourcustomers and users is among the assets transferred.•       To advertisers and advertising networks that requirethe information to select and serve relevant advertisements to you and others. Wedo not disclose data about identifiable individuals to our advertisers, but wemay provide them with aggregate information about our users (for example, wemay inform them that 400 women between 30 and 45 have clicked on theiradvertisement on a specific day). We may also use such aggregate information tohelp advertisers target a specific audience (for example, men in a specificlocation). We may make use of the personal information we have collected fromyou to enable us to display our advertisers’ advertisement to that targetaudience.•       To third parties to market their products or servicesto you if you have consented to/not opted out of these disclosures. Wecontractually require these third parties to keep personal informationconfidential and use it only for the purposes for which we disclose it to them.For more information, see Choices AboutHow We Use and Disclose Your Information.•       To contractors, service providers, and other thirdparties we use to support our business (such as analytics and search engineproviders that assist us with Website improvement and optimization) and who arecontractually obligated to keep personal information confidential, use it onlyfor the purposes for which we disclose it to them, and to process the personalinformation with the same standards set out in this policy.•       To fulfill the purpose for which you provide it. Forexample, if you give us an email address to use the “email a friend” feature ofour Website, we will transmit the contents of that email and your email addressto the recipients.•       For any other purpose disclosed by us when you providethe information.•       With your consent. We may also disclose your personal information:•       To comply with any court order, law, or legal process,including to respond to any government or regulatory request, in accordancewith applicable law.•       If we believe disclosure is necessary or appropriateto protect the rights, property, or safety of Morize Financial our customers,or others. This includes exchanging information with other companies andorganizations for the purposes of fraud protection and credit risk reduction.    

DATA SECURITY  
The security of your personal information is very important to us. Weuse physical, electronic, and administrative measures designed to secure yourpersonal information from accidental loss and from unauthorized access, use, alteration,and disclosure. We store all information you provide to us behind firewalls onour secure servers. Any payment transactions and OTHER INFORMATION will beencrypted using SSL technology.The safety and security of your information also depends on you. Wherewe have given you (or where you have chosen) a password for access to certainparts of our Website, you are responsible for keeping this passwordconfidential. We ask you not to share your password with anyone. We urge you tobe careful about giving out information in public areas of the Website likemessage boards, which any Website visitor can view.Unfortunately, the transmission of information via the Internet is notcompletely secure. Although we do our best to protect your personalinformation, we cannot guarantee the security of your personal informationtransmitted to our Website. Any transmission of personal information is at yourown risk. We are not responsible for circumvention of any privacy settings orsecurity measures contained on the Website.  

‍DATA RETENTION  
Except as otherwise permitted or required by applicable law orregulation, we will only retain your personal information for as long asnecessary to fulfill the purposes we collected it for, including for the purposesof satisfying any legal, accounting, or reporting requirements. Under somecircumstances we may anonymize your personal information so that it can nolonger be associated with you. We reserve the right to use such anonymous andde-identified data for any legitimate business purpose without further noticeto you or your consent.  

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION  
It is important that the personal information we hold about you isaccurate and current. Please keep us informed if your personal informationchanges. By law you have the right to request access to and to correct thepersonal information that we hold about you.You can review and change your personal information by logging into theWebsite and visiting your account profile page.If you want to review, verify, correct, or withdraw consent to the useof your personal information you may also send us an email at support@morize.ca torequest access to, correct, or delete any personal information that you have providedto us. We cannot delete your personal information except by also deleting youruser account. We may not accommodate a request to change information if webelieve the change would violate any law or legal requirement or cause theinformation to be incorrect. We may charge you a fee to access your personalinformation, however, we will notify you of any fee in advance.We may request specific information from you to help us confirm youridentity and your right to access, and to provide you with the personalinformation that we hold about you or make your requested changes. Applicablelaw may allow or require us to refuse to provide you with access to some or allof the personal information that we hold about you, or we may have destroyed,erased, or made your personal information anonymous in accordance with ourrecord retention obligations and practices. If we cannot provide you withaccess to your personal information, we will inform you of the reasons why,subject to any legal or regulatory restrictions.We will provide access to your personal information, subject toexceptions set out in applicable privacy legislation. Examples of suchexceptions include:•       Information protected by solicitor-client privilege.•       Information that is part of a formal disputeresolution process.•       Information that is about another individual thatwould reveal their personal information or confidential commercial information.•       Information that is prohibitively expensive to provide.If you are concerned about our response or would like to correct theinformation provided, you may contact our legal officer at legal@morize.ca.If you delete your User Contributions from the Website, copies of yourUser Contributions may remain viewable in cached and archived pages or mighthave been copied or stored by other Website users.  
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 WITHDRAWING YOUR CONSENT  
Where you have provided your consent to the collection, use, andtransfer of your personal information, you may have the legal right to withdrawyour consent under certain circumstances. To withdraw your consent, ifapplicable, contact us at support@morize.ca. Please note thatif you withdraw your consent we may not be able to provide you with aparticular product or service. We will explain the impact to you at the time tohelp you with your decision.   

CHANGES TO OUR PRIVACY POLICY  
It is our policy to post any changes we make to our privacy policy onthis page with a notice that the privacy policy has been updated on the Websitehome page. If we make material changes to how we treat our users’ personalinformation, we will notify you by email to the primary email address specifiedin your account and or through a notice on the Website home page.We include the date the privacy policy was last revised at the top ofthe page. You are responsible for ensuring we have an up-to-date, active, anddeliverable email address for you, and for periodically visiting our Websiteand this privacy policy to check for any changes.