Terms & Conditions

AIRZONES LLC PRIVACY AGREEMENT

AirZones LLC recognizes the importance of your personal information and we never take for granted the trust that you — as a client or a business partner — have placed in us to protect that information.

AirZones LLC values transparency. With this Privacy Agreement, along with our Digital Privacy and Interest-Based Advertising Policy, we are striving to provide you with a good understanding of why we collect and use your personal information, how your information is shared, retained and protected, and how you can exercise your personal choices. We will also explain how you can find out what personal information we hold about you. When you apply or sign-up for a product or service that requires further explanation about how we use your personal information, we will explain that to you. This Privacy Agreement and our Digital Privacy and Interest-Based Advertising Policy applies to AirZones LLC (“we” or “us”).

OUR PRIVACY FRAMEWORK

We have an established privacy structure for the secure and respectful treatment of personal information. None of our clients information is stored on any of our employees hard drives. Everything is stored on the Salesforce cloud or the Microsoft cloud. We rely on the two said companies to maintain their high standards of safety for the benefit of our clients.

WHAT IS PERSONAL INFORMATION?

Personal information is information that identifies you or can be used to identify you. Examples of personal information include: first and last name, mother’s maiden name, mailing address, telephone number(including mobile), email address, date of birth, social insurance number (SIN), government-issued identification, credit history, information about your employment and education, annual income, assets and liabilities and financial transactions.

WHY WE COLLECT AND USE PERSONAL INFORMATION

We collect and use personal information to establish and manage our relationship with you, provide you with personalized products and services, manage our business, and comply with legal and regulatory requirements. We will give you some examples to explain each one of these purposes. To establish and manage our relationship. We collect and use personal information to establish and maintain our relationship and provide you with the products and services you have requested.

We need to confirm who you are and verify the information you have provided to us: We will ask for your name, address, telephone numbers (including mobile), email address, and may ask for other forms of identification such as a valid driver’s license. We may also ask for certain biometric information, like a fingerprint or a voiceprint to securely verify your identity.
We need to assess your eligibility and suitability for our products and services: When you apply for a product such as a line of credit, or investment product, or agree to act as a guarantor, we may ask about your credit and payment history, education, employment, annual income, assets and liabilities. We may need information about how you intend to use the product or service and the source of any incoming funds or assets or the source of any down payment.
We need to communicate with you: We may communicate with you by phone, fax, mail, email, SMS text message or other electronic means to provide you with information related to the products and services you hold with us, or to collect on a debt owed to us. You can also choose to sign-up to receive alerts (including push notifications) regarding your account.
We may need information about related parties to establish and manage our relationship with you: In some circumstances, we may need information about your spouse, legal guardian, beneficiaries or personal representatives.

To provide you with personalized products and services. We collect and use personal information to provide you with personalized products and services and information about products and services that may be of interest to you.

We collect and use information to personalize your experience with us, including: to better understand your needs and preferences including through data analytics; to personalize your experience on our websites and mobile applications; to provide you with tailored communications and offers.
We collect and use information to provide you with marketing communications: We may contact you by phone, fax, mail, email, SMS text message or other electronic means about new products and services, offers, events and promotions. Our communications may be tailored based on information that we have about you. If you do not wish to receive these communications, you can withdraw your consent at any time by following the instructions under “How to update your marketing choices” below. If you sign-up to receive electronic messages (such as emails and SMS text messages) from AirZones LLC group of companies, we will each send you communications about our products and services, offers, events, and other valuable information. We may also use services provided by third-party platforms (such as social networking and other websites) to serve relevant advertisements on such platforms to you and others. We may provide a de-identified version of your email address to the platform provider for such purposes. To opt-out of the use of your information for these purposes, you can unsubscribe from receiving email marketing communications by following the instructions under “How to update your marketing choices” below.
We collect and use information when you participate in a contest, survey, or promotion: If you participate in a contest, survey or promotion, we may collect your name, address, phone number, email address, and other information or responses you provide. We use this information to administer your participation in the contest or promotion and as otherwise described to you when you enter. The information obtained through our surveys is used in an aggregated form. We use this information to help us understand our clients and to improve our products and services. If a contest or promotion is administered by a third party (such as a loyalty program partner), we may share information with the third party as described to you at the time of entry into the contest or promotion. To manage our business we collect and use personal information to operate and manage our business and business relationships.
We collect and use information to prevent and detect fraud and criminal activity and secure our premises: We may ask you for any additional information required to investigate matters, settle any claim or report a matter to the appropriate authorities. We also conduct video surveillance in and around our offices and other locations for the purpose of safeguarding our clients and employees and protecting against theft, fraud and vandalism.
We collect and use information when you contact us: We record telephone calls for training and quality assurance purposes. We will tell you when we are recording a call.
We collect and use information to collect debts, enforce obligations and to manage and assess risk.
We collect and use information to manage our business relationships: For example, we collect personal information from employees or other representatives of our suppliers and contractors that is necessary for them to do business with us.
We use and analyze the information we collect to better understand our clients, improve our products and services, and to prevent and detect fraud. To comply with legal and regulatory requirements. We are required to collect and use personal information to meet legal and regulatory requirements.
We collect and use personal information that may be required for anti-money laundering and “know your client” requirements and other applicable legal or regulatory requirements.
We also need to collect, use and disclose your SIN for income tax reporting purposes and to fulfil other regulatory requirements, as required by law.

WHY WE SHARE YOUR PERSONAL INFORMATION

AirZones LLC may share your personal information with third parties for the purposes described below.

We may share information with your joint account holders, representatives, executors and beneficiaries: We share personal information with joint account holders or representatives (such as a legal guardian, power of attorney, procuration or lawyer). Joint account holders will each have access to all of the account history and transaction details for the account. We may also share personal information with your (or your joint account holder’s) estate representatives or beneficiaries where reasonably necessary to administer the estate.
We may share information to meet legal requirements: AirZones LLC may disclose personal information where we are required or permitted to do so by applicable law. This may be:

to other organizations for the purposes of investigating a breach of an agreement or contravention of law or to detect, suppress or prevent fraud;
to establish, exercise or defend legal claims;
to protect the rights, property and safety of Rich Fulfilling Life Wealth Management Inc. and group of companies
to courts, law enforcement and regulatory authorities in the jurisdictions in which we or our service providers operate, including to respond to a local or foreign court order, search warrant or other demand or request which we believe to be valid;
to comply with the rules of production of a local or foreign court; and
to satisfy legal and regulatory requirements that we believe are applicable to us, including the requirements of any self-regulatory organizations to which we belong.
We may share information in accordance with your requests or as you otherwise consent.

HOW WE PROTECT AND RETAIN PERSONAL INFORMATION

We have implemented measures designed to safeguard the personal information in our custody and control against theft, loss and unauthorized access, use, and disclosure. We restrict access to personal information to employees and authorized service providers who require access to fulfil their job requirements. We may keep and use information about you in our records for as long as it is needed for the purposes described above, or to otherwise meet our legal obligations, even if you are no longer a client.

HOW WE MAINTAIN ACCURATE PERSONAL INFORMATION

We require accurate, complete and up-to-date records to provide our products and services, and we have implemented processes to help ensure this. We also rely on you to provide us with information that is true and complete. If any personal information changes or becomes inaccurate or out of date, please contact your AirZones LLC representatives or advise us using the contact information set out below so we can update our records.

HOW TO REFUSE OR WITHDRAW YOUR CONSENT

You can refuse to consent to our collection, use or disclosure of personal information, or you may withdraw your consent to our further collection, use or disclosure of your personal information at any time by giving us reasonable notice, subject to limited exceptions. If you wish to withdraw consent, you may do so at any time by contacting the partners – Chris Leighton or Tom Day as set out at the end of this Privacy Agreement.

Depending on the circumstances, your withdrawal of consent may prevent us from providing you, or continuing to provide you, with some products and services, the ability to access certain products and services, or information that may be of value to you.

In addition, we may have legal, regulatory or contractual obligations to collect, use or disclose certain of your personal information, in which case you may not withdraw your consent. For example, during the term of a loan, you may not withdraw your consent to our ongoing collection, use or disclosure of your personal information in connection with the loan you have with us or have guaranteed. You also cannot refuse to consent to our collection, use and disclosure of personal information required by our regulators, including self-regulatory organizations.

We will act on your instructions as quickly as possible but there may be certain uses of your information that we may not be able to stop immediately.

HOW TO UPDATE YOUR MARKETING CHOICES

You can update your marketing communication preferences at any time by contacting the AirZones representative or by sending and email to info@airzones.com

You may continue to receive certain types of communications, including electronic messages or offers from AirZones LLC, even after you have withdrawn your consent or unsubscribed to emails, for example: messages sent from staff members of AirZones LLC, messages sent in response to specific inquiries, or messages to satisfy a legal obligation or for debt collection purposes or to enforce or provide you with notice of an existing or pending right. In addition, if you contact us by telephone or online (including through the AirZones LLC website), we may make certain offers to you.

HOW TO ACCESS OR UPDATE YOUR PERSONAL INFORMATION

You can request to access or update the personal information we hold about you. Much of this information is already accessible by you, for example: through your account statements; by contacting your AirZones LLC.

HOW WE NOTIFY YOU OF CHANGES TO THIS PRIVACY AGREEMENT

We may amend this Agreement from time to time to reflect changes in our personal information practices. We will post the revised Agreement on our website and make it available at our offices.

We may also notify you of any changes to this agreement in any of the following ways:

A digital channel such as a mobile app or email;
A notice on the AirZones LLC website

HOW TO CONTACT US

If you have an inquiry about AirZones LLC’s privacy practices or how we and our service providers treat your personal information, please contact your AirZones LLC representtive or use one of the methods below:

Office #307,

Building 6 Bay Square,

Business Bay

PO Box: 75633