This Privacy Policy describes how Matter Inc. and its subsidiaries and affiliates (“Matter, Strawhouse, Velocity, Uncoil, Afferent, cpgLAB” “we,” “us,” and/or “our”) handle personal data we collect online (through our websites) and offline (through customer support channels, our retail locations, and in-person promotional activities). We call all of these the “Services”. This Privacy Policy explains the types of personal data we collect and process, how we may use and share the data, and the choices that are available to you with respect to our handling of your personal data.
Of course! This Policy on confidentiality and use of personal and business information describes how personal and business information is collected and processed by Matter in relation with its operating program and activities when:
However, this Policy on confidentiality and use of personal and business information does not apply to the collection and processing of Matter’s employees' personal information.
Because protecting your personal and business information is important to us, we at Matter have adopted strong principles in that respect.
We may use the information we collect to deliver the products and services you request, to maintain and customize your account and our interactions with you (such as on our digital properties), and to provide, maintain and improve our Services.
The personal information we collect includes:
We collect information about how you use our website. Even though this information is not linked to your identity, it can be in certain circumstances by using cookies. This is why we consider this data to be personal information as well when linked to your identity. The data we collect includes:
Business information is information about your business.
The business information we collect may include:
For example:
For example:
We keep an electronic log of your activities so that we can detect and review any suspicious activity on your account or interact with you.
How we track your activities
When you browse our website, we track your activities to infer your interests based on pages you have visited. We may match this information to your account as soon as you identify yourself on our website by using cookies. We may do so to know what your interests are, to promote our products and services to you or your business, and to offer you or your business products or services that are more relevant to you or your business.
What cookies are and what we can do with them
Cookies are files that a website automatically creates and stores on your computer to collect information on your web browsing activities. We use first-party cookies to improve your user experience (most websites do).
Our website creates first-party cookies that allow us to:
For example, we can know if you have already completed a survey so we do not ask you to do it again. These cookies are called persistent cookies because they stay in your browser after you have closed your session.
We also use Google Ads, DoubleClick and other third-party cookies for marketing purposes. With cookies, we can:
For example, if you visit a page about business loans, an alphanumeric code that identifies you will be added to a list of users who are interested in marketing solutions. This code will also be stored in a cookie on your computer. As a result, you may see a Matter ad about marketing solutions on a different website.
You can disable cookies
You can disable cookies in your browser’s settings. You will still be able to access our website, although some features may not work optimally.
We use Google Analytics to analyze how users utilize our website.
Google Analytics makes your data anonymous by removing part of your IP address.
Google Analytics relies on cookies to collect information. Cookies used by Google Analytics will expire two years after your last visit to our website. For more information, consult the Google Analytics website and its privacy policy.
You can opt-out of Google Analytics by installing this add-on on your browser.
When you interact with us through social media, for example on our Facebook page, you give information to social media companies and not to us. This information is covered by their own privacy policy. Keep in mind that the information you publish on social media can be made public.
When you pay online for our services, you give your payment information to an online payment provider. This information is processed by the online payment provider and it is covered by its own privacy policy.
We only collect your personal or business information if it relates directly to operating programs or Matter’s activities and for the following purposes:
We use your personal or business information to communicate with you and to answer your questions.
We may use your personal or business information to help develop new products and services.
To analyze how you use our website and improve your experience
We collect and analyze data about web traffic and visits to our website. This is called web analytics. Web analytics allow us to:
To promote our products and services to you
We may send you promotional emails only if you have specifically agreed to receive them. For example, if you have subscribed to one of our newsletters.
Whenever you have specifically given your consent, you can revoke your consent at any time. For example, you can always opt-out of one of our newsletters.
To offer you products and services that meet your needs
To allow you to apply for jobs
We use your personal information to evaluate your job application and to contact you if needed.
Your personal or business information can be stored outside Canada because we use third-party service providers to store and process your personal or business information.
We take stringent measures to ensure that your personal and business information is protected and handled properly.
We do not store your personal or business information forever. Hence, we will destroy, erase or dispose of your personal and business information in accordance with Matter’s retention period that complies with the Privacy Act and banking industry requirements.
Our employees or representatives may view your personal or business information for their work for Matter’s programs and activities.
They will not view your personal information for any other reason.
Our service providers may need to access or process your personal or business information. They are not authorized to disclose your personal or business information for any reason other than providing the services we ask from them, or if they have a legal obligation to do so.
We obtain the following services from our service providers:
Some of our service providers are based outside Canada and some in the United States. They may store or process your personal and business information on our behalf. For instance, under the USA Patriot Act, they might be forced to disclose your personal or business information to U.S. authorities if they suspect that it is linked to terrorism or money laundering activities.
We may share your personal or business information with authorities in case of fraud or suspected fraud.
In exceptional cases, we may communicate your personal or business information to others without your consent:
You can access your personal information at any time
To do so, please contact our Privacy Team at privacy@mttr.ca.
You can ask us to correct any error or omission
You can ask us to make corrections to personal or business information that we have that is not accurate. If we do not make these corrections, you can ask us to add annotations to your personal information to explain why certain corrections you asked were not made. Finally, you can ask us to notify certain persons about these corrections or annotations. To do so, please contact our Privacy Team at privacy@mttr.ca.
You can express your privacy concerns by calling us or writing to us.
To do so, please contact our Privacy Team. To file a privacy complaint, you must send an email to our privacy team at privacy@mttr.ca. This ensures that we keep a record of your complaint. Our Privacy Team will respond to you as soon as possible.
Note that your complaint must be about your privacy or about how we deal with your personal information.
If you are not satisfied with how we respond to your complaint, you can contact the Office of the Privacy Commissioner of Canada.
If you are a European Resident, defined for the purposes of this Privacy Policy to include residents of the European Economic Area, United Kingdom and Switzerland, you have certain rights and protections under the law regarding the processing of your personal data.
If you are a European Resident, we process your personal data when:
If you are a European Resident, you have the right to access personal data we hold about you and to ask that your personal data be corrected, updated, or erased. You may also have the right to object to, or request that we restrict, certain processing. If you would like to exercise any of these rights, you may contact us as indicated below. If you have a Matter account, you may also review, update, and delete certain personal data by logging into your account.
If you are a European Resident and have a concern about how we process personal data that we are not able to resolve, you have the right to lodge a complaint with the data privacy authority where you live.
California law permits residents of California to request notice of how their information is shared with third parties for direct marketing purposes or to opt-out of such sharing. If you are a California resident and would like a copy of this notice or to opt-out, please email us at privacy@mttr.ca
Additionally, if you are a California resident, the California Consumer Privacy Act (“CCPA”) requires us to disclose the following information with respect to our collection, use, and disclosure of personal data.
In the preceding 12 months, we have collected the following categories of personal data: identifiers; commercial information; demographic information (note that some demographic information may be considered characteristics of protected classifications under state or federal law); internet or electronic network activity; geolocation data; audio, electronic, visual, thermal, olfactory, or similar information; inferences; and other categories of personal data that relates to or is reasonably capable of being associated with you. For examples of the precise data points we collect, please see “Information We Collect” above.
We collect each category of personal data listed above for the business or commercial purposes described in the “How We Use Your Information” section above.
We collect each category of personal data listed above from you and the third-party sources described in the “Information we collect from other sources” section above.
In the preceding 12 months, we have disclosed the following categories of personal data for business or commercial purposes: identifiers; commercial information; demographic information (note that some demographic information may be considered characteristics of protected classifications under state or federal law); internet and electronic network activity; geolocation data; audio, electronic, visual, thermal, olfactory or similar information; inferences; and other categories of personal data that relates to or is reasonably capable of being associated with you.
We may share each category of personal data listed above with the third parties as described in the “How We Share Your Information” section above.
California consumers have the right to request access to their personal data, additional details about our information practices and deletion of their personal data (subject to certain exceptions). California consumers also have the right to opt out of sales of personal data, if applicable. We describe how California consumers can exercise their rights under the CCPA below. Please note that you may designate an authorized agent to exercise these rights on your behalf by providing a notarized power of attorney evidencing that you have empowered the authorized agent to exercise your CCPA rights on your behalf. We will not discriminate against you if you choose to exercise your rights under the CCPA.
You may request access to the specific pieces of personal information we have collected about you in the last 12 months. You may also request additional details about our information practices, including the categories of personal information we have collected, the sources of collection, the purpose for collecting information, the categories of information we share, and the categories of third parties with whom we share information.
You may request that we delete the personal data we have collected about you (subject to certain exceptions). Please note that we may retain certain information as required or permitted by applicable law. You may make these requests by emailing privacy@mttr.ca. We will verify your request by contacting you after receiving your request to verify your identity. If you request to delete your personal data, certain of our products and services may no longer be available to you.
Matter does not and will not sell personal data as the term “sell” is defined by the CCPA.
We did our best to make this policy as easy to read and understand as possible. Here are a few more things you should know:
Because privacy concerns, business and legal requirements continually evolve, we may need to change this policy in the future. We will provide notice of material changes to this policy by posting a notice on our website explaining that the privacy policy has been updated. What if the policy has changed?
If this policy has changed, you will be governed by the updated version of the policy.
This policy is governed by the laws of British Columbia and Canada. This policy complies with the Privacy Act of Canada.
Feel free to contact us:
Here is how you can contact us:
Email Us at privacy@mttr.ca
Call or text us at (778) 699-2161
Mail us a letter:
Matter
Attention: Privacy Team
Suite 412, 9-3151 Lakeshore Road
Kelowna BC V1W 3S9
Canada