Privacy Policy

This policy discloses the privacy practices for the D-cadou website. D-cadou Inc., the provider of the Website (referred to as “us” or “we”), is committed to protect your online privacy. Please read the following to learn what information we collect from you (the “User” or the “End User”) and how we use that information. If you have any questions about this policy, please contact us.

By accessing or using our website, you acknowledge that you have read, understood, and agreed to the terms of this policy, and our website’s terms of use. If you don't agree to these terms, you should not use our website.

Changes to privacy policy

We may change this privacy policy at any time by posting the revised policy in the “Privacy Policy” section of the Website. The revised policy is effective immediately when posted on the Website. It is the responsibility of each User to review the Website’s Privacy Policy periodically to learn of any revisions to this policy. Your continued use of the Website after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised policy.

How we collect your personal information

We collect most personal information directly from you. For example, when you open an account, fill in an application form, deal with us over the telephone, send us a letter, visit our websites, or when you personally contact us.

How we use your personal information

We collect your personal information to provide you with a particular product or service; for example, opening a D-cadou account.

We may also use or disclose your personal information for related purposes such as:

  • Servicing our relationship with you;
  • Internal accounting and administration;
  • Regulatory reporting and compliance;
  • Protecting you and D-cadou from error and fraud;
  • Helping us to identify and inform you about other products or services that may be of benefit to you.

We may contract out some of our functions and activities; for example, we may provide names and addresses to a mailing house to mail account statements to you. In these situations, we prohibit third parties from using personal information about you except for the specific purpose for which we supply it.

Our duty of confidentiality

We have a duty to keep all personal information we obtain from you confidential, including:

  • Your name, address, and financial data;
  • The debit or credit balance in your account
  • And details of transactions on your account.

Our duty of confidentiality applies except where disclosure of your personal information is:

  • Compelled by law
  • In the public’s interest
  • In D-cadou's interest
  • With your consent

Your consent is necessary.

Your consent can be expressed or implied.

Your expressed consent can be verbal or written.

Your consent is implied when we can reasonably conclude that you have given consent by some action you take, or when you decide not to take action. For example, if you use our telephone service and continue the call after hearing the recorded message telling you that the call may be monitored for training purposes, you have given us your implied consent to monitor your call.

Disclosing to third parties

Except where it is required by law, we only disclose personal information to third parties with your expressed or implied consent.

D-cadou does not disclose names, addresses, or any other personal information to third parties for the purposes of allowing them to direct market their products and services unless you have given your prior consent.

Direct marketing and your privacy

We may use your personal information to identify products and services, which may interest you. We will then contact you by phone, post or electronic means to let you know about these products or services.

If you do not wish to receive direct marketing information, you can inform us at any time.

We keep your personal information up-to-date

If we have accurate personal information about you, it enables us to provide you with the best possible service. Please contact us immediately if your personal information changes, to ensure that your personal information is accurate, complete and up-to-date whenever it is required.

You can access your information

You can request access to the information we hold about you. The type and quantity of information requested dictates the time it will take us to supply it. We will contact you regarding your request within three working days of receipt to advise you of the expected response time. Please be aware that the provision of some types of information may incur a fee. You will be advised of any charges after we have reviewed your written request.

We store your personal information securely

We protect any personal information that we hold from misuse and loss, unauthorized access, modification and disclosure.

Only authorized personnel can access your personal information, for approved purposes only.

Your personal information may be stored in hardcopy documents, as electronic data, or in D-cadou's software or systems.

We maintain physical security over our paper and electronic data stores and premises, such as locks and security systems. We also maintain computer and network security; for example, we use firewalls and other security systems such as user identifiers and passwords to control access to computer systems.

D-cadou Security Policy

We have comprehensive security policies and procedures documented in our internal security policy. Your personal information will be recorded, amended and deleted only by authorized means.

In addition, all employees sign confidentiality agreements as a condition of working for D-cadou.

Web site security and privacy

The Internet has rapidly changed the way we do business; it allows D-cadou to provide services that you can access from the convenience of your own home or office.

We understand that you may be concerned about the confidentiality and security of the personal information we collect about you online. Accordingly, we have systems in place to ensure our online dealings with you are as secure and confidential as your dealings with us in person, or on the phone.

Resolving your concerns

We respond quickly to complaints

If you believe that the privacy of your personal information has been compromised, you are entitled to complain. We will respond to your complaint within 2 working days, to let you know who is responsible for managing your complaint. We will try to resolve the complaint within 10 working days. When this is not possible, we will contact you within that time to let you know how long we estimate it will take to resolve the complaint.

We have also appointed a Customer Advocate who will objectively and impartially investigate your complaint if you are dissatisfied with our internal complaints process.

How to make a complaint

You are entitled to complain if you are unsatisfied with our team’s handling of your personal information and we will take the right measures to fix the problem as soon as we can.

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