EQUINOX
INSTANT CREDIT
PRIVACY POLICY

This Privacy Policy describes our information collection and sharing practices. Please read it carefully. The Policy applies only to consumer Equinox Instant Credit Accounts of Equinox Credit Services Incorporated and Equinox Services LLC. ("EQUINOX", "We" or "Us")

Information We Collect We collect ppersonally identifiable information about you (such as your address, phone number, social insurance number, mother's maiden name and transaction information about items purchased, payments and payment method), for identification, account management only. We obtain information about you directly from you (such as on application forms), through your use of our products and services, and in some cases, from third parties (such as credit bureaus and demographic firms). Occasionally, we may also collect information about you online using “cookies” (small pieces of data stored by your Internet browser on your computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to provide you with customized content, among other things.

Information We Share with Others We report Account information, such as credit limit, balances and payment information, to credit bureaus.

Our Security Procedures  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information about you. We limit access to personal and Account information to those employees and agents who assist us in providing products and services to you.

Your Access to Information We provide you access to information about your Account by sending you monthly billing statements outlining your transactions, finance charges, and other Account information, and by providing customer service representatives to answer your questions.

How This Policy Applies to You If you decide to close your Account or become an inactive customer, or if we close or suspend your Account, we will continue to adhere to the privacy policies and practices described in this notice to the extent we retain information about you. We may amend this Privacy Policy at any time, and we will inform you of changes as required by law. You may have other privacy protections under provincial law and we will comply with applicable provincial laws when we disclose information about you.