1. Information we collect
We collect information you give us directly, information generated when you use our Services and information from third parties, as permitted by law. This includes:
- Identity and contact details such as your name, date of birth, address, email, phone number and government-issued identification;
- Financial information such as account balances, transaction history, income, credit history and the products you hold with us;
- Device and usage data such as IP address, browser type, device identifiers, app version and how you interact with our website and app; and
- Communications including messages you send us through the contact form, chat or secure messaging.
2. How we use it
We use your information to open and manage your accounts, process transactions, verify your identity, prevent fraud and comply with legal obligations such as anti-money-laundering rules. We also use it to improve our Services, personalise your experience and, with your consent where required, tell you about products and offers we think may interest you.
3. When we share it
We do not sell your personal information. We may share it with:
- service providers who help us operate the Services, such as payment networks, cloud hosting and identity verification partners, under strict confidentiality obligations;
- credit bureaus and fraud prevention agencies;
- regulators, law enforcement and courts where required by law or to protect our rights; and
- a successor entity in the event of a merger, acquisition or sale of assets.
4. Cookies & analytics
Our website uses cookies and similar technologies to keep you signed in, remember your preferences, protect against fraud and understand how visitors use the site. You can control cookies through your browser settings, although disabling essential cookies may prevent parts of the Services from working.
5. How we protect it
We protect your information with administrative, technical and physical safeguards, including 256-bit encryption in transit, encryption at rest, multi-factor authentication, continuous monitoring and strict access controls. Our staff receive regular privacy and security training, and we test our defences frequently.
6. How long we keep it
We keep your information for as long as you have a relationship with us and thereafter for the period required by applicable law, typically up to seven years after an account is closed, for purposes such as tax, audit and dispute resolution. When it is no longer needed we securely delete or anonymise it.
7. Your rights & choices
Depending on where you live, you may have the right to access, correct or delete your personal information, to object to or restrict certain processing, to withdraw consent and to request a portable copy of your data. You can opt out of marketing communications at any time using the unsubscribe link in our emails or by updating your preferences in the app. To exercise any of these rights, contact us using the details below.
8. Children
Our Services are not directed at children under 13, and we do not knowingly collect their information without parental consent. Youth accounts are opened and managed by a parent or guardian.
9. Changes to this policy
We may update this policy periodically. We will post the revised version on this page and, where changes are significant, notify you by email or through the Services before they take effect.
10. Contact us
If you have questions about this policy or how we handle your information, please reach us through our contact page or email contact@montrealharris.ca. You can also review our Terms of Service.
