Privacy Policy

Our primary purpose in collecting personal information from you is to provide you with a safe, smooth, efficient, and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our service to make your experience safer and easier. We only collect personal information about you that we consider necessary for achieving this purpose. In general, you can browse the Site without telling us who you are or revealing any personal information about yourself. Once you give us your personal information, you are not anonymous to us. If you choose to use our Site, we may require you to provide contact and identity information, billing information, shipping information and other personal information as indicated on the forms throughout the Site. Where possible, we indicate which fields are required and which fields are optional. You always have the option to not provide information by choosing not to use a particular service or feature.

Under some circumstances, we may require some additional financial information, such as but not limited to: if you are purchasing supplies, purchasing address or identity verification services such as 'TrustMe', registering for various BorrowMe memberships or other programs. We use your financial information, including credit card information to verify the accuracy of your name, address, and other information, as well as to bill you for your use of our services.

We automatically track certain information about you based upon your behaviour on our Site. We use this information to do internal research on our users. demographics, interests, and behaviour to better understand, protect and serve you and our community. This information may include the URL that you just came from (whether this URL is on our Site or not), which URL you next go to (whether this URL is on our Site or not), your computer browser information, and your IP address.

We use data collection devices such as "cookies" on certain pages of the Site to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of a "cookie". We also use "cookies" allow you to enter your password less frequently during a session. Most cookies are "session cookies". meaning that they are automatically deleted at the end of a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on our Site and you may be required to re-enter your password more frequently during a session.

Additionally, you may encounter "cookies" or other similar devices on certain pages of our Site that are placed by third parties. For example, if you view a web page created by a user, there may be a "cookie" placed within that web page. We do not control the use of cookies by third parties.
If you choose to contact, offer, buy or rent on the Site, we collect information about your contacting, offering, buying and renting behaviour. We also collect other users. comments about you and your items in our feedback area.

If you establish a credit account with us to pay the fees we charge, we collect some additional information, such as: a billing address, credit card number and credit card expiration date and tracking information from cheques or money orders.

If you choose to post messages in our Blogs or other message areas or leave feedback for other users, we will collect that information that you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Site, we may collect such information into a file specific to you.
If you register for BorrowMe on another web site or use a web site providing a service for BorrowMe or a web site that helps facilitate your activity on BorrowMe, that web site may provide personal information about you and your transactions back to BorrowMe.

• 1. Our Use of Your Information
  
  We use your personal information to facilitate the services you request. We use personal information in the file we maintain about you, and other information we obtain from your current and past activities on the Site to: resolve disputes; troubleshoot problems; bill your account; help promote safe trading; measure consumer interest in our products and services, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our Membership Agreement; and as otherwise described to you at the time of collection, use or disclosure. At times we look across multiple users to identify problems or resolve disputes, and in particular we may examine your personal information to identify users using multiple Usernames or aliases. We may compare and review your personal information for errors, omissions and for accuracy.
  
  If you choose to purchase a service, open a credit account, or otherwise provide us your financial information, we use your address and financial information to bill you and provide associated support.
  
  You agree that we may use personal information about you to improve our marketing and promotional efforts, to analyze Site usage, to improve our content and product offerings, and to customize the Site.s content, layout, and services. These uses improve the Site and better tailor it to meet your needs, so as to provide you with a smooth, efficient, safe and customized experience while using the Site.
  
  You agree that we may also use your personal information to contact you and deliver information to you that, in some cases, are targeted to your interests, such as targeted banner advertisements, administrative notices, product offerings, and communications relevant to your use of the Site. By accepting the Membership Agreement and Privacy Policy, you expressly agree to receive this information. If you do not wish to receive these communications, we encourage you to opt out of the receipt of certain communications in your communications preferences in your account Settings. You may make changes to your communication preferences at any time.
  
  
  
• 2. Our Disclosure of Your Information
  
  As a matter of policy, we do not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent. However the following describes some of the ways that your personal information may be disclosed in the normal scope of business to provide our services.
  
  Advertisers. We aggregate (gather up data across all user accounts) personal information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, in these situations, we do not disclose to these entities any information that could be used to identify you personally. Certain information, such as your name, email address, password, and financial information are not disclosed to these third parties in a personally identifiable manner without your explicit permission.
  
  BorrowMe Community. Your Display Name (which may include your First and/or Last name) is displayed throughout the Site, and is therefore available to the public. All of your activities on the Site will be identified by your Display Name and/or Username. Other people can see your items (depending on your display or sharing preferences) in your Stuff, your feedback rating and associated comments, your postings on the Site and so on. Therefore people may be able to personally identify your BorrowMe activities. We also provide a number of ways to allow other users to find out more about you and your Site activities such as our feature that allows users to quickly see all of the items you are offering at the time. If you are involved in a transaction, we have features that allow other users to view your email address and obtain your contact information to help complete the transaction. Further, we may send out notices to you or other community members regarding suspicious activity or policy violations on the Site.
  External Service Providers. There are a number of separate services offered by third parties that we refer to as external service providers that may be complimentary to your use of the Site (e.g., Facebook, shipping, packaging). If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their privacy policy. We do not disclose your personal information to external service providers unless you provide your explicit consent. With your consent we may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent our disclosure of your personal information to an external service provider, you can decline such consent or simply not to use their services. Because we do not control the privacy practices of these third parties, you should evaluate their practices before deciding to use their services. Users who register on a BorrowMe co-branded web site grant BorrowMe permission to pass your email address back to that co-branded web site. The use of your email address by the co-brand web site is limited by their applicable privacy policy.
  
  Internal Service Providers for Our Operations. We may use third parties that we refer to as internal service providers to facilitate or outsource one or more aspects of the business, product and service operations that we provide to you (e.g. search technology, discussion boards, feedback forum, bill collection, affiliate and rewards programs) and therefore we may provide some of your personal information directly to these internal service providers. These internal service providers. are subject to confidentiality agreements with us and other legal restrictions that prohibit their use of the personal information we provide them for any other purpose except to facilitate the specific outsourced BorrowMe related operation, unless you have explicitly agreed or given your prior permission to them for additional uses. In some instances, the internal service provider may collect information directly from you (such as for BorrowMe surveys or for a co-branded product). In these cases, you will be notified of the involvement of the internal service provider, and all additional information you provide them and their additional uses will be strictly up to you. If you provide additional information to an internal service provider directly, then their use of your information is governed by their applicable privacy policy.
  
  Other Corporate Entities. We share much of our data, including personal information about you, with our subsidiaries and joint ventures that are committed to serving your online trading needs and related services, throughout the world. To the extent that these entities have access to your information, they will treat it at least as protectively as they treat information they obtain from their other users. Our subsidiaries and joint ventures follow privacy practices no less protective of all users than our practices described in this document, to the extent allowed by applicable law. BorrowMe, its subsidiaries, its joint ventures, or any combination of such, will share some or all of your personal information with another business entity should we plan to, merge with, or be acquired by that business entity. Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information will be used contrary to this policy, you will receive prior notice.
  
  Legal Requests. BorrowMe cooperates with law enforcement inquires, as well as other third parties to enforce laws such as: intellectual property rights, fraud and other rights, to help protect you and the BorrowMe community from bad actors. Therefore, in response to a verified request by law enforcement or other government officials relating to a criminal investigation or alleged illegal activity, we can (and you authorized us to) disclose your name, city, province, telephone number, email address, Username history, fraud complaints, and transaction and listing history without a subpoena. However, in an effort to balance your right to privacy and the ability to keep the community free from bad actors, we will not disclose additional information to law enforcement or other government officials without a subpoena, court order or substantially similar legal procedure, except when the additional disclosure of information is necessary to prevent imminent physical harm or financial loss.
  Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose personal information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they collect from the Site. Therefore, although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personal information or private communications will always remain private.
  
  
  
• 3. Your Use of Other Users. Information
  
  In order to facilitate interaction among all BorrowMe community members, our Site provides you with limited access other users. contact and shipping information. As a seller you have access to the Display name, email address and other contact and shipping information of the borrower or lender, and as the borrower or lender you have access to the Display name email address and other contact information of the other party.
  By entering into our Membership Agreement, you agree that, with respect to other user.s personal information that you obtain through the Site or through an BorrowMe-related communication or BorrowMe-facilitated transaction, BorrowMe hereby grants to you a license to use such information only for: (a) BorrowMe-related communications that are not unsolicited commercial messages, (b) using co-branded services offered through BorrowMe (e.g. insurance, shipping and fraud complaints), and (c) any other purpose that a such user expressly agrees to after you tell them the purpose you would like to use it for. In all cases, you must give users an opportunity to remove themselves from your database and a chance to review what information you have collected about them. In addition, under no circumstances, except as defined in this Section, can you disclose personal information about another user to any third party without our consent and the consent of that user. You agree that other users may use your personal information to communicate with you in accordance with this Section.
  
  BorrowMe and our users do not tolerate spam. Therefore, without limiting the foregoing, you are not licensed to add a BorrowMe user, even a user who has purchased an item from you, to your mail list (email or physical mail) without their express consent. To report BorrowMe related spam to BorrowMe, please contact us at privacy@borrowme.com.
  
  
  
• 4. Use of Email Tools
  
  You may not use the Invite a Friend service or other email services that we offer to send spam or otherwise send content that would violate our Membership Agreement. We do not permanently store email messages sent from these tools.
  
  If you do send an email using the Invite a Friend service to an email address that is not registered on our Site, we do not use that email address for any purpose other than to send your email and facilitate the Invite a Friend process. We do not rent or sell these email addresses.
  
  
• 5. Control of Your Password
  
  You are responsible for all actions taken with your login credentials (email address and password), including fees charged to your account. Therefore, we do not recommend that you disclose your BorrowMe password to any third parties. If you choose to share your credentials or your personal information with third parties, you are responsible for all actions take with your account and therefore you should review that third party.s privacy policy before doing so. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason, you should immediately change your password in your account Settings.
  
  
  
• 6. Accessing, Reviewing and Changing Your Personal Information
  
  We offer you the ability to automatically review and change the personal information you submit to us by logging into the Site and entering the new information yourself. Generally, we will not modify your personal information based upon your request because it is very difficult to authenticate your account manually. You can change your Display name, email address(es), contact information, financial information, shipping information and user preferences by going to your account Settings information tab. You must promptly update your information if it changes or is inaccurate. Once posted, you cannot change or remove any public postings made in our chat rooms or other message areas or the feedback area.
  
  Upon your request, we will deactivate your account, contact information, billing information, shipping information and financial information from our active databases. This request can be made on your account Settings tab. Such information will be deactivated as soon as reasonably possible based upon your account activity and in accordance with our deactivation policy and applicable law.
  
  We will retain in our files some personal information you have requested to remove to prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, enforce our Membership Agreement and comply with legal requirements as is permitted by law. Therefore, you should not expect that all of your personal information will be completely removed from our databases in response to your requests. However, such personal information will be deactivated from public and member viewing and will only be available to select BorrowMe personal.
  
  
  
• 7. Security
  
  Your information is stored and processed on computers located in The United States and/or Canada. BorrowMe uses procedural and technical safeguards to protect your personal information against loss or theft, as well as against unauthorized access or disclosure, to protect your privacy, including firewalls and encryption. We employ many different security techniques to protect such data from unauthorized access by users inside and outside the company. However, "perfect security" does not exist on the Internet.
  
  
  
• 8. Notice
  
  We may amend this Privacy Policy at any time by posting the amended terms on the Site. All amended terms shall automatically be effective 30 days after they are initially posted on the Site. In addition, we will notify you in accordance with your Communications Preferences.
  
  
  
• 9. Accountability
  
  Our privacy office is responsible for ensuring that our day-to-day procedures comply with this Privacy Policy. If you have any questions or concerns, please contact BorrowMe below.
  
  
• 10. Contact Information
  
  If site users have any questions or suggestions regarding our privacy policy, please contact us at:
  
  
  Email: privacy@borrowme.com
  
  Postal Address:
  

  BorrowMe Inc.
  Attention: Privacy Office
  Ramsay Design Centre
  1202 20th Ave SE
  Calgary, AB T2G 1M8