Terms of Use

Last updated: June 1, 2026

The following terms of use, together with any documents and/or additional terms they expressly incorporate by reference (collectively, the "Terms of Use") govern your access to and use of: (a) our website available at www.zolo.ca (the "Website"), our web application (the "Zolo Web App") and mobile application titled Zolo (the "Zolo App") including any content and functionality (collectively, the Website, the Zolo Web App and the Zolo App are "Zolo"); (b) any text, pictures, media, data, information, materials and other content (collectively, the "Content") contained on or provided through (a); and (c) all other products or services provided by us to youon or through Zolo (collectively, the "Offering(s)"). References in these Terms of Use to Zolo will include where applicable the Content and the Offerings.

These Terms of Use form an agreement between Zolo Ventures and our subsidiaries ("Zolo Ventures", "us", "we", "our") and you. The term "you" or "User" refers to the person or entity browsing, installing, downloading, accessing or otherwise using Zolo ("use" or "using" in these Terms of Use will mean any of the foregoing).

BY USING ZOLO IN ANY WAY OR BY CLICKING TO ACCEPT THE TERMS AND CONDITIONS, YOU: (A) REPRESENT AND WARRANT THAT (I) YOU HAVE REACHED THE LEGAL AGE OF MAJORITY IN YOUR JURISDICTION, (II) YOU HAVE THE CAPACITY TO ENTER INTO BINDING OBLIGATIONS, AND (III) ALL INFORMATION SUPPLIED BY YOU TO US THROUGH ZOLO IS TRUE, ACCURATE, CURRENT, AND COMPLETE; AND (B) AGREE TO BE BOUND BY AND COMPLY WITH THESE TERMS OF USE, AS UPDATED FROM TIME TO TIME IN ACCORDANCE WITH SECTION 1. IF YOU DO NOT AGREE TO THESE TERMS OF USE YOU MUST NOT ACCESS OR USE ZOLO.

IF YOU ARE USING ZOLO ON BEHALF OF ANOTHER PERSON OR A CORPORATE ENTITY, YOU REPRESENT AND WARRANT THAT YOU HAVE THE AUTHORITY TO BIND SUCH PERSON OR ENTITY TO THESE TERMS OF USE.

These Terms of Use do not alter in any way the terms or conditions of any other agreement you may have with us in respect of any Offerings.

Changes to these Terms of Use and Zolo

(a) Except where prohibited by applicable law, we reserve the right, in our sole discretion, to change any element of these Terms of Use at any time. When we change these Terms of Use, we will: (i) place a notice on the Zolo Website, send you an email, or notify you by some other means as required by applicable law; (ii) post a new version of the Terms of Use to Zolo; and (iii) update the "Last Updated" date at the top of these Terms of Use. We may require you to provide consent to the updated Terms of Use in a specified manner before further use of Zolo is permitted. If you do not agree to any change(s) after receiving a notice of such change(s), you must stop using Zolo. Otherwise, your continued access to or use of Zolo after any changes to these Terms of Use indicates your acceptance of such changes.

(b) We reserve the right to change Zolo at any time, without notice. We may, at our discretion, suspend your access to or use of Zolo or any component thereof: (i) for scheduled maintenance; (ii) if you violate any provision of these Terms of Use; or (iii) to address any emergency security concerns. You may need to update third-party software from time to time in order to use Zolo.

User Account

(a) To access certain features of Zolo, you may be required to successfully sign up for a user account using the available interfaces of the services, and establish login credentials (the "User ID"). If you establish a User ID, you will keep your User ID secure and will not grant access to or otherwise share your User ID with any other person. You must provide us with true, accurate, current and complete information for your User ID. If we believe or suspect that your information is not true, accurate, current or complete, we may deny or terminate your access to Zolo.

(b) We reserve the right to disable any User ID issued to you at any time in our sole discretion. If we disable access to a User ID issued to you, you may be prevented from accessing Zolo (or any portion thereof).

(c) Zolo Ventures is entitled to act on instructions received through your account. Zolo Ventures is not responsible for any actions taken or transactions made to or from your account by any other party using your User ID. You are solely responsible for any and all use of your User ID and all actions and activities that occur under or in connection with the User ID. Without limiting any rights which we may otherwise have, we reserve the right to take any and all action, as we deem necessary or reasonable, to ensure the security of Zolo and your account, including without limitation terminating your account or changing your password. You agree to be responsible for any act or omission of any users that access Zolo under your User ID that, if undertaken by you, would be deemed a violation of these Terms of Use. If a username and password, or any other access credentials, are provided to you as the end user, it is your responsibility to keep such information confidential.

Electronic Communications

(a) When you use or view Zolo or send e-mails, texts or other electronic messages to us, you are communicating with us electronically and you consent to receive communications from us electronically. We will communicate with you by e-mail, by text message, or by posting notices on Zolo. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

(b) If you elect to receive text messages through Zolo, standard data and message rates may apply. Any and all such charges, fees or costs are your sole responsibility. You should consult with your wireless carrier to determine what rates, charges, fees or costs may apply to your use of Zolo.

(c) By creating an account to access Zolo, you acknowledge and agree that Zolo Ventures will send you service-related e-mails and text messages relating to your account, including service updates. These communications can be managed through user features made available through Zolo from time to time. Your consent to receive communications and do business electronically, and our agreement to do so, applies to all of your interactions and transactions with us. You may withdraw your consent to receive communications electronically by contacting us in the manner described below. If you withdraw your consent (excluding consent to receive marketing communications), from that time forward, you must uninstall, delete and stop using Zolo. The withdrawal of your consent will not affect the legal validity and enforceability of any obligations or any electronic communications provided or business transacted between us prior to the time you withdraw your consent. Please keep us informed of any changes in your email, telephone number or contact information so that you continue to receive all communications without interruption.

Description of Offerings

Zolo Ventures is digital-first real estate information and service provider. Zolo Ventures has a real estate broker license in certain provinces.

User Data and Privacy

(a) By using Zolo, you acknowledge and agree that Zolo Ventures will be transmitting certain of your Personal Information electronically.

(b) You grant to us and our affiliates and service providers, and each of their and our respective licensees, successors and assigns, an irrevocable, worldwide, non-exclusive, royalty-free, transferable and sublicensable licence to access, collect, store and use any data, information, records or files that you load, transmit to or enter into, or that we collect from, Zolo, including your Personal Information (collectively, "User Data"): (i) to develop, enhance and make available Zolo; and (ii) to produce data, information, or other materials that are not identified as relating to a particular individual or company (such data, information and materials, the "Aggregated Data"). We and our affiliates and service providers, and each of their and our respective licensees, successors and assigns are free to create, use and disclose Aggregated Data during and after the Term for any purpose and without obligations of any kind. To the extent permitted by applicable law, Zolo Ventures will not be liable for any failure to store, or for loss or corruption of your User Data.

(c) Please review our current privacy policy, which contains important information about our practices in Handling information about identifiable individuals ("Personal Information"), and which is hereby incorporated into and forms a part of these Terms of Use. The term "Handle" means to access, receive, collect, use, transmit, store, process, record, disclose, transfer, retain, dispose of, destroy, manage or otherwise handle.

(d) You represent and warrant to us that: (i) your User Data will only contain your own Personal Information or Personal Information in respect of which you have provided all necessary notices and disclosures, obtained all applicable third party consents and permissions and otherwise have all authority, in each case as required by applicable laws, to enable us to make available Zolo and Handle the User Data as contemplated under these Terms of Use; (ii) you own or control the appropriate rights in and to your User Data , including any intellectual property owned by third parties; and (iii) you will not submit, upload, or otherwise make available via Zolo, any User Data that: (A) you do not have the rights necessary to use, transmit, publish, or to grant us the license as described herein; (B) infringe, misappropriate, or otherwise violate any intellectual property, publicity or other rights of any third party; or (C) breach or violate any applicable laws or these Terms of Use.

App Updates and Upgrades

You acknowledge that Zolo Ventures may from time to time issue updated or upgraded versions of Zolo, and may (subject to your device settings) automatically electronically update or upgrade the version of Zolo that you are then currently using on your browser. You consent to receive updates or upgrades to Zolo automatically without providing further consent each time. Zolo (including any updates or upgrades) may: (i) cause your device to automatically communicate with our servers to deliver the functionality described in Zolo description or through new features as they are introduced, and to record usage metrics; (ii) affect preferences or data stored on your device; and (iii) collect personal information as set out in our Privacy Policy. We are not responsible if an update or upgrade affects how Zolo works if this is caused by your own equipment or device not supporting the update or upgrade. You can withdraw consent at any time under certain conditions by contacting us in the manner described below.

Ownership of and License to Zolo

(a) Neither these Terms of Use nor your use of Zolo grants you ownership in Zolo. These Terms of Use do not grant you any right to use any Content, including Zolo Ventures' trademarks, graphics, logos and other commercial symbols or brand elements. All right, title and interest, including intellectual property rights, in and to Zolo, including any updates, adaptations, translations, customizations or derivative works thereof, will remain the sole property of Zolo (or our third-party suppliers, if applicable). Subject to these Terms of Use, we grant you a non-exclusive, non-transferable, non-sublicensable and revocable license during the Term to use Zolo. Zolo and all materials provided by us hereunder are made available or licensed and not "sold" to you. All rights not expressly granted to you in these Terms of Use are reserved by Zolo.

(b) Certain elements of Zolo are protected by copyright. You are prohibited from modifying, copying, reproducing, publishing, posting, transmitting, distributing, creating derivative works from, decompiling, transferring or selling Zolo or any portion thereof or sharing or granting access in any of the foregoing to any third party for any purpose.

(c) ZOLO is the trademark and trade name of Zolo Ventures. Any trademarks, graphics, logos or other commercial symbols appearing in or on Zolo and Offerings are the exclusive property of Zolo Ventures (or its third-party suppliers) and may not be used in any manner without our express written consent.

Additional Terms

Your access to and use of certain functionalities provided in or through Zolo may be subject to additional terms and conditions presented to you by Zolo Ventures or its service providers. Such additional terms and conditions are incorporated herein by reference and you agree to comply with such additional terms and conditions at all times. If there is a conflict or inconsistency between the terms and conditions of such additional terms and these Terms of Use, then the provisions of these Terms of Use will govern to the extent of such conflict or inconsistency, unless the conflicting term in the additional terms expressly states that the conflicting term in these Terms of Use do not apply. If you do not accept and agree to such additional terms and conditions, you may not be able to, and you should not, access or use those functionalities.

Your Responsibilities

You agree to:

(a) prevent unauthorized access to or use of Zolo;

(b) maintain, protect and make backups of your User Data;

(d) comply with all applicable laws and regulations, including, but not limited to, all intellectual property, data, privacy laws and anti-spam;

(e) not register for more than one account, register for an account on behalf of an individual other than yourself without such individual's authorization, or register for an account on behalf of any group or entity;

(f) not use anyone else's User ID at any time, without the permission of the User ID holder; and

(g) except as authorized by applicable law, you agree not to export, re-export or transfer Zolo or any part thereof to any country, person, entity or end-user subject to applicable export controls or sanctions. For greater certainty, you are responsible for complying with all applicable trade restrictions, regulations and laws both foreign and domestic.

No Unlawful or Prohibited Use

You will not use Zolo in violation of these Terms of Use or of any applicable law. You will not, without our prior written permission, use Zolo for any purpose other than to access and use Zolo in accordance with these Terms of Use. Without limiting the generality of the foregoing, you will not (and will not attempt to,) directly or indirectly:

(a) disable or interfere in any way with servers or networks connected to Zolo;

(b) attempt to gain unauthorized access to Zolo;

(i) contains any computer viruses, worms, malicious code, or any software intended to damage or alter a computer system or data;

(ii) you do not have the lawful right to send, upload, collect, transmit, store, use, post, publish, or otherwise communicate;

(iii) is false, inaccurate, intentionally misleading, or impersonates any other person;

(iv) gives the impression that it originates from or is endorsed by us or any other person or entity, if that is not the case;

(v) is libelous, slanderous, defamatory, bullying, harassing, abusive, threatening, vulgar, exploitative, obscene, harmful, sexually explicit, inflammatory, offensive or discriminatory in any way or is otherwise objectionable, such determination to be made in Zolo Ventures' sole discretion;

(vi) is harmful to minors in any way or targeted at minors; (vii) infringes, violates or otherwise misappropriates the intellectual property or other rights of any third party; or

(vii) violates, or encourages any conduct that may violate, any applicable laws or would give rise to civil or criminal liability;

(d) use any data mining, robots, or similar data gathering or extraction methods, or copy, modify, reverse engineer, reverse assemble, disassemble, or decompile Zolo or any part thereof or otherwise attempt to discover any source code;

(e) use Zolo for the purpose of building a similar or competitive offering;

(f) violate the terms of use of any third party website that is linked to Zolo;

(g) impersonate Zolo Ventures or any other person or entity;

(h) encourage any other conduct that restricts or inhibits anyone's use or enjoyment of Zolo, or which, as determined by us, may harm Zolo Ventures or users of Zolo or expose them to liability; (h) promote any illegal activity or advocate, promote, or assist any unlawful act; or

(i) authorize, permit, enable, induce or encourage any third party to do any of the above.

Communications Not Confidential

We do not guarantee the confidentiality of any communications made by you through Zolo. We do not guarantee the security of data transmitted over the internet or public networks in connection with your use of Zolo.

Feedback

You agree that any suggestion, feedback or idea provided by you (collectively, "Feedback") will not be treated as confidential, and nothing in these Terms of Use or otherwise will restrict our right to use, profit from, disclose, publish or otherwise exploit any Feedback, without compensation to you and without any obligation to you. You grant to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns, a fully paid up, perpetual, irrevocable, worldwide, royalty-free, non-exclusive and fully sublicensable right and license to use, license, distribute, reproduce, modify, adapt, translate, distribute, publicly perform, publicly display, import, sell, offer for sale, make, have made, derive revenue or other remuneration from, and otherwise exploit and disclose to third parties the Feedback in any form, media, or technology, whether now known or hereafter developed, and to allow others to do the same. This is true whether you provide the Feedback on Zolo or through any other method of communication with us, unless we have entered into a separate agreement with you that provides otherwise. You will not have any claim, including, without limitation, claims based upon invasion of privacy, defamation or right of publicity, arising out of any use, alteration, blurring, distortion or use in composite form of any Feedback. You hereby waive, and you agree to waive, any moral and author's rights (including attribution and integrity) that you may have in any Feedback, even if it is altered or changed in a manner not agreeable to you.

Third Party Content, Websites or Services

(a) Zolo may provide or publish links or access to third party content, websites, or services. Likewise, we may allow you to access Zolo from third party systems. Zolo Ventures does not represent that it has reviewed such third party websites or services and is not responsible for them or any content appearing on them. Trademarks displayed in conjunction with such third party content, websites, or services are the property of their respective owners. Zolo Ventures does not endorse any third party content, websites, services, or systems, or guarantee or warrant their quality, durability, accuracy, reliability, completeness, currency, timeliness, non-infringement, merchantability, or fitness for any purpose. Third party content, websites, services, or systems are not under Zolo Ventures' control, and if you choose to access any such content, websites, or services, or to access Zolo from such systems, you do so entirely at your own risk. You acknowledge that you may be required to accept terms of use applicable to third party content, websites, services, or systems and agree to accept and comply with any such terms of use.

(b) Your interactions with organizations and/or individuals found on or through Zolo, including payment and delivery of goods and services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organizations and/or individuals. You agree that to the fullest extent permitted by applicable law Zolo is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. If you choose to contact an organization or individual through Zolo, you consent to us providing any information you submit to the third party and you acknowledge that we may be paid for the facilitation of this connection.

(c) Some of our third party content providers have specific requirements for you to see their data. These requirements are provided in Section 23 (Virtual Office Website). By using Zolo, you agree to accept and conform with these requirements.

Malicious Code and Security

The downloading and viewing of Content is done at your own risk. We do not guarantee or warrant that Zolo is compatible with your computer system or mobile device or that Zolo, or any links from Zolo, will be free of viruses, worms, trojan horses or disabling devices or other code that manifests contaminating or destructive properties. You are responsible for implementing safeguards to protect the security and integrity of your computer system and/or mobile device, and you are responsible for the entire cost of any service, repairs or connections of and to your computer system and/or mobile device that may be necessary as a result of your use of Zolo.

Disclaimer

THE LAWS OF CERTAIN JURISDICTIONS, WHICH MAY INCLUDE QUEBEC, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN LEGAL WARRANTIES, CONDITIONS OR REPRESENTATIONS. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE EXCLUSIONS OR LIMITATIONS IN THESE TERMS OF USE (INCLUDING THE FOLLOWING DISCLAIMERS) MAY NOT APPLY AND YOU MAY HAVE ADDITIONAL RIGHTS. TO THE EXTENT THAT WE MAY NOT, AS A MATTER OF APPLICABLE LAW, DISCLAIM ANY IMPLIED WARRANTY OR CONDITION, THE SCOPE AND DURATION OF SUCH WARRANTY OR CONDITION WILL BE THE MINIMUM PERMITTED UNDER SUCH APPLICABLE LAW.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ACKNOWLEDGE, UNDERSTAND, AND AGREE THAT ZOLO AND OFFERINGS ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND. EXCEPT FOR ANY SPECIFIC WARRANTIES PROVIDED OR AS OTHERWISE REQUIRED BY LAW, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO ZOLO AND OFFERINGS WHETHER EXPRESS, IMPLIED, STATUTORY OR COLLATERAL, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES AND CONDITIONS OF MERCHANTABILITY, QUALITY, DURABILITY, COMPATIBILITY, TITLE, SECURITY, RELIABILITY, COMPLETENESS, QUIET ENJOYMENT, ACCURACY, CURRENCY, TIMELINESS, INTEGRATION, FITNESS FOR A PARTICULAR OR GENERAL PURPOSE AND NON-INFRINGEMENT, AND/OR ANY WARRANTIES OR CONDITIONS ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE, AND/OR THAT ZOLO AND OFFERINGS ARE OR WILL BE ERROR-FREE OR WILL OPERATE WITHOUT INTERRUPTION.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THIRD PARTY COMMUNICATIONS AND ANY THIRD PARTY WEBSITES OR CONTENT DIRECTLY OR INDIRECTLY ACCESSED THROUGH ZOLO.

Non-Reliance

You acknowledge and agree that:

(a) the list of properties listed on Zolo may not be a complete list of every property available for sale and may not be updated on a regular basis even if we have been advised of incorrect or incomplete information;

(b) the information contained about a particular property may not be accurate or complete and may not be updated on a regular basis even if we have been advised of incorrect or incomplete information;

(d) the inclusion of any realtor, mortgage broker, or other service provider on Zolo is not an endorsement of such service provider by Zolo Ventures and does not in any way mean that Zolo Ventures has conducted any due diligence or other investigation regarding their services; and

(e) in the event you decide to purchase a property, you will conduct all required research and not rely on the information contained in Zolo.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE OR OUR AFFILIATES OR OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, LICENSEES AND SERVICES PROVIDERS AND ANY SUCCESSORS AND ASSIGNS OF THE FOREGOING (COLLECTIVELY WITH ZOLO VENTURES, THE "ZOLO PARTIES") BE LIABLE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES; OR LOST PROFITS, LOSS OF USE, LOSS OF DATA, PERSONAL INJURY, FINES, FEES, PENALTIES OR OTHER LIABILITIES, IN EACH CASE, WHETHER OR NOT WE WERE ADVISED OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM OR RELATED TO ZOLO OR THE INABILITY TO MAKE USE OF ZOLO, OR THESE TERMS OF USE. IF YOU ARE DISSATISFIED WITH ANY PORTION OF ZOLO, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF ZOLO.

WITHOUT LIMITING THE FOREGOING, UNDER NO CIRCUMSTANCES WILL ANY OF THE ZOLO PARTIES BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM ACTS OF NATURE, FORCES, OR CAUSES BEYOND OUR OR THEIR REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, INTERNET FAILURES, COMPUTER EQUIPMENT FAILURES, TELECOMMUNICATION EQUIPMENT FAILURES, OTHER EQUIPMENT FAILURES, ELECTRICAL POWER FAILURES, STRIKES, LABOUR DISPUTES, RIOTS, INSURRECTIONS, CIVIL DISTURBANCES, SHORTAGES OF LABOUR OR MATERIALS, FIRES, FLOODS, STORMS, EXPLOSIONS, PANDEMICS, ACTS OF GOD, WAR, GOVERNMENTAL ACTIONS, ORDERS OF DOMESTIC OR FOREIGN COURTS OR TRIBUNALS, OR NON-PERFORMANCE OF THIRD PARTIES.

Indemnification

You will defend, indemnify and hold harmless the Zolo Parties from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including reasonable legal and accounting fees, arising out of or in connection with: (a) Your User Data ; (b) your breach of any provision of these Terms of Use or any documents referenced herein; (c) your violation of any law or the rights of a third party (including intellectual property rights); (d) any viruses, Trojan horses, worms, time bombs, spyware, malware, cancelbots or other similar harmful or deleterious programming routines input by you into Zolo; or (e) your use of Zolo or Offerings (except to the extent prohibited by law). Zolo Ventures reserves the right, at its own cost, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with us in asserting any available defences. You agree that the provisions in this section will survive any termination of your account, the Terms of Use or your access to Zolo.

Term and Termination

These Terms of Use will commence on the day you first use Zolo and will remain in effect until terminated by either party in accordance with the provisions of these Terms of Use (the "Term"). We may terminate these Terms of Use at any time and with immediate effect by giving notice to you, at our discretion, by email (at your current email address on file with us) or through Zolo. You may terminate these Terms of Use at any time and with immediate effect by requesting by email that your User ID be deleted, ceasing use of Zolo and uninstalling and deleting Zolo. For greater certainty, if you continue to use any portion of Zolo that is publicly available after these Terms of Use have been terminated, these Terms of Use will continue to apply to the extent of such use.

Geographic Restrictions

Zolo Ventures makes no representation that Zolo is or will be available for use in all locations outside Canada or all locations within Canada. We provide Zolo for use only by persons located in Canada, excluding Quebec. This site is not intended for use in any jurisdiction where its use is not permitted. If you access the site from outside Canada, you do so at your own risk and you are responsible for compliance with local laws of your jurisdiction.

General Provisions

(a) Choice of Law. Except as restricted by applicable law, these Terms of Use will be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to any principles of conflicts of law, and such laws apply to your access to or use of Zolo, notwithstanding your domicile, residency or physical location. You will only use Zolo in jurisdictions where Zolo may lawfully be used. Except as restricted by applicable law, you hereby consent to the exclusive jurisdiction and venue of courts in Vancouver, British Columbia in all disputes arising out of or relating to the use of Zolo. The U.N. Convention on Contracts for the International Sale of Goods will not apply to these Terms of Use. This choice of jurisdiction does not prevent us from seeking injunctive relief with respect to a violation of intellectual property rights or confidentiality obligations in any appropriate jurisdiction.

(b) Entire Agreement. These Terms of Use, including all terms and conditions incorporated by reference, constitute the entire agreement between you and us pertaining to the subject matter hereof and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and us with respect to Zolo and Offerings. A printed version of these Terms of Use and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

(c) Survival. The following Sections, together with any other provision of these Terms of Use which expressly or by its nature survives termination or expiration, or which contemplates performance or observance subsequent to termination or expiration of these Terms of Use, will survive expiration or termination of these Terms of Use for any reason: Sections 5 (User Data and Privacy), 6 (Ownership of Zolo), 8 (Additional Terms), 11 (Communications Not Confidential), 13 (Third Party Content, Websites or Services) 14 (Malicious Code and Security), 15 (Disclaimer), 17 (Limitation of Liability), 18 (Indemnification), and 21 (General Provisions).

(d) Waiver. Our failure to insist upon or enforce strict performance of any provision of these Terms of Use will not be construed as a waiver of any provision or right. A waiver of any provision of these Terms of Use must be in writing and a waiver in one instance will not preclude enforcement of such provision on other occasions.

(e) Severable. If any of the provisions contained in these Terms of Use are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such provision will be severed from these Terms of Use and all other provisions of these Terms of Use will remain in full force and effect.

(f) Assignment. You will not assign these Terms of Use to any third party without our prior written consent. We may assign these Terms of Use or any rights under these Terms of Use to any third party without your consent. Any attempted assignment, subcontract, delegation, or transfer in violation of this Section will be null and void. The terms of these Terms of Use will be binding upon permitted assignees. These Terms of Use will inure to the benefit of and be binding upon the parties, their permitted successors and permitted assignees.

(g) Dispute Resolution. If you believe that Zolo Ventures has not adhered to these Terms of Use, please contact Zolo Ventures using the contact information listed below. We will do our best to address your concerns. If you feel that your complaint has been addressed incompletely, we invite you to let us know for further investigation.

Contact

If you have any questions or comments regarding these Terms of Use, please contact us at legal@zolo.ca.

Virtual Office Website Requirements

Zolo Ventures is a member of real estate associations, boards, and similar organizations across Canada (collectively and individually, the "Real Estate Boards"), and provides you with access to information from these entities through a Virtual Office Website ("VOW"), pursuant to the following terms.

(a) General requirements. You acknowledge and agree that:

(i) You are entering into a lawful broker-consumer relationship with Zolo Ventures.

(ii) All information obtained by you from Zolo is intended only for your personal, non-commercial use.

(iii) That you have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered through Zolo.

(iv) These Terms of Use do not create a fiduciary obligation or agency relationship between you and Zolo Ventures.

(v) The information contained on Zolo is based in whole or in part on information that is provided by other members of the Real Estate Boards who are responsible for its accuracy. The Real Estate Boards reproduce and distribute this information as a service for its members and assume no responsibility for its accuracy.

(vi) You will not copy, redistribute, retransmit, or otherwise use any of the data provided, except in connection with your consideration of the purchase or sale of an individual property.

(vii) You will not, directly or indirectly, display, post, disseminate, distribute, publish, broadcast, transfer, sell or sublicense any data obtained through the VOW to another individual or entity. The prohibited uses expressly include "scraping" (including "screen scraping" and "database scraping"), "data mining" or any other activity intended to collect, store, re-organize, summarize or manipulate the data.

(viii) You expressly authorize the Real Estate Boards or their duly authorized representatives, to access your information provided to Zolo Ventures, for the purposes of verifying compliance with and pursuing enforcement of these Terms of Use and all applicable rules, regulations, bylaws, policies, and laws.

(b) Specific Real Estate Board Requirements. To the extent applicable, you acknowledge:

(i) That the Canadian Real Estate Association (CREA) is the owner of the REALTOR® and MLS® trademarks: REALTOR®, REALTORS®, and the REALTOR® logo are certification marks that are owned by REALTOR® Canada Inc. and licensed exclusively to CREA. These certification marks identify real estate professionals who are members of CREA and who must abide by CREA's By-Laws, Rules, and the REALTOR® Code. The MLS® trademark and the MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

(ii) The Toronto Regional Real Estate Board (TRREB)'s ownership of, and the validity of TRREB's proprietary rights and copyright in, the MLS® database, TRREB's MLS® System, TRREB's listing information and any related data.

(iii) The Information Technology Systems Ontario (ITSO)'s ownership of and the validity of ITSO's copyrights in the MLS® System data.

(iv) The Real Estate Board of Greater Vancouver (REBGV)'s proprietary rights and copyright in the MLS® VOW Data, and listing information.

(v) That you have received, read and understood the brochure published by the British Columbia Real Estate Association entitled Privacy Notice and Consent.

(vi) Alberta One Realty Listing Services Inc. (Pillar9)'s ownership of and the validity of the copyright in the MLS® System.

(vii) The Ottawa Real Estate Board (OREB)'s ownership of, and the validity of OREB's proprietary rights and copyright in, the MLS® System Database, OREB's MLS® System, listing information and any related information

Zolo Ventures App Third Party Terms

(a) Apple App Store Additional License Terms. If Zolo is provided to you through the Apple Inc. (Apple Inc. together with all of its affiliates, "Apple") App Store, the following terms and conditions apply to you in addition to all the other terms and conditions of these Terms of Use: The parties acknowledge these Terms of Use are concluded between the parties, and not with Apple. The responsibility for Zolo and content thereof is governed by these Terms of Use. Notwithstanding anything to the contrary hereunder, you may use Zolo only on a device that you own or control. You acknowledge that Apple has no obligation to furnish any maintenance or support services with respect to Zolo. In the event of any failure of Zolo to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for Zolo to you. Except for the foregoing, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to Zolo, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be governed by these Terms of Use. Any claim in connection with Zolo related to product liability, a failure to conform to applicable legal or regulatory requirements, or claims under consumer protection or similar legislation is governed by these Terms of Use, and Apple is not responsible for such claim. Any third party claim that Zolo or your possession and use of Zolo infringes that third party's intellectual property rights will be governed by these Terms of Use, and Apple will not be responsible for the investigation, defense, settlement and discharge of such intellectual property infringement claim. You represent and warrant that you are not: (i) located in any country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; or (ii) listed on any U.S. Government list of prohibited or restricted parties. You may contact us in writing regarding any notices, questions, complaints or claims with respect to Zolo at the contact information below. Apple is a third party beneficiary to these Terms of Use and may enforce these Terms of Use against you. If any of the terms and conditions in these Terms of Use are inconsistent or in conflict with Apple's applicable instructions for Minimum Terms for Developer's End User License Agreement (the current version as of the date these Terms of Use was last updated is located at: http://www.apple.com/legal/internet-services/itunes/appstore/dev/minterms/) or the App Store Terms of Service (the current version as of the date these Terms of Use was last updated is located at: http://www.apple.com/legal/internet-services/itunes/ca/terms.html), the terms and conditions of Apple's instructions for Minimum Terms for Developer's End User License Agreement or App Store Terms of Service, as applicable, will apply to the extent of such inconsistency or conflict.

(b) Google Play Additional License Terms. If Zolo is provided to you through the Google Inc. (Google Inc. together with all of its affiliates, "Google") Google Play store, the following terms and conditions apply to you in addition to all the other terms and conditions of these Terms of Use:

(i) You acknowledge that Google is not responsible for providing support services for Zolo.

(ii) If any of the terms and conditions in these Terms of Use are inconsistent or in conflict with the Google Play Developer Distribution Agreement (the current version as of the date these Terms of Use was last updated is located at https://play.google.com/about/developer-distribution-agreement.html), the terms and conditions of Google's Google Play Developer Distribution Agreement will apply to the extent of such inconsistency or conflict.

EazySell Terms and Conditions

EazySell by Zolo ("the Service") is subject to the following Terms and Conditions as well as the Terms of Use of Zolo.ca. The Service is provided by Zolo Ventures Ltd. (and its subsidiaries and affiliated companies) (collectively referred to as the "Brokerage").

Service Overview & Fees: In order to qualify for the Service, all registered owners on title to the property to be listed for sale must enter into a posting agreement with the Brokerage. A non-refundable fee of $500, plus applicable taxes, is due at the time of purchase. The listing will be active on the MLS® System and Zolo.ca for a maximum period of 90 days or until the Seller instructs the Brokerage to remove the listing. This is a "Mere Posting." as the Brokerage acts as the listing brokerage for the purpose of MLS® data entry only. The Seller is responsible for all other aspects of the sale, including but not limited to pricing, photography, showings, and negotiations.

The $500 Credit Eligibility: To qualify for the $500 credit, during the 90-day listing period or any subsequent renewal of the listing period, the Seller must sign a standard Exclusive Listing Agreement for full-service representation with an agent of the Brokerage. The $500 credit is not a cash refund and has no cash value. It is applied as a reduction of the total commission payable to the Brokerage's agent upon the successful closing of the sale of the Seller's property.

Seller Responsibilities & Accuracy: The Seller is solely responsible for the accuracy of all information provided (e.g., room sizes, inclusions, property taxes). The Brokerage is not liable for errors provided by the Seller. The Seller agrees to respond to buyer and agent inquiries in a timely and professional manner.

Provincial Compliance (RMS & Legal): If the property listed for sale is located in Alberta, the Seller warrants that all measurements provided, if any, comply with the Residential Measurement Standard (RMS).

The Seller acknowledges that inaccurate listing information can lead to legal liability and agrees to indemnify the Brokerage against any claims arising from inaccurate listing information.

The Brokerage does not provide legal advice. The Brokerage strongly recommends the Seller retain a real estate lawyer to prepare and/or review all "Offers to Purchase" and closing documents.

Leads & Privacy: All inquiries generated through REALTOR.ca and Zolo.ca will be forwarded to the contact information provided by the Seller. By using this service, the Seller consents to their contact information being shared with licensed agents and prospective buyers for the purpose of facilitating the sale.

Refunds and Chargebacks: All fees paid for the Service are non-refundable, as the Brokerage incurs immediate administrative and data-entry costs upon the initiation of a listing. By purchasing the Service, the Seller acknowledges that the $500 fee is for the initial setup and hosting of the "Mere Posting" and is not contingent upon the sale of the property or the duration the listing remains active. The Seller agrees not to initiate a chargeback or payment dispute with their credit card provider or financial institution for services rendered. In the event of an unauthorized chargeback, the Seller shall be responsible for all costs incurred by the Brokerage in recovering the funds, including but not limited to administrative fees, legal costs, and any fees imposed by the payment processor.

Cancellations & Renewals: The Seller may cancel the listing at any time; however, the $500 fee is non-refundable. If the property has not sold within 90 days, the Seller may renew the listing for an additional $500 for an additional 90 day period. Renewal fees are not cumulative for the commission credit and the Seller will only be entitled to a $500 credit in the event that the listing is converted to full-service representation with an agent of the Brokerage. The Brokerage reserves the right to terminate the listing and contractual relationship at any time for failure to comply with these Terms & Conditions, the Terms of Use of Zolo.ca, and/or the MLS® System terms.

The Brokerage reserves the right, at its sole discretion, to modify, update, or replace these Terms and Conditions at any time. Any changes will be effective immediately upon posting to Zolo.ca or notification to the Seller. It is the Seller's responsibility to review these Terms periodically for changes. The Seller's continued use of the Service following the posting of any changes constitutes acceptance of those modifications.

Privacy Policy

Effective: March 31, 2026

Scope and Application
Personal Information We Collect, and How We Collect It
Purposes of Collection, Use and Disclosure
Sharing with Affiliates, Service Providers and Other Third Parties
Security Safeguards, Cross-Border Transfers and Retention
Your Privacy Rights
Updates & Contact Information

1. Scope and Application

This Privacy Policy applies to Questrade Financial Group Inc. and its subsidiaries (collectively, “we”, “us”, or “QFG”). It explains how our companies collect, use and disclose the personal information of individuals who use our financial products and services, as well as those who interact with us through various channels, such as our websites, mobile applications and social media. This enterprise-wide policy may be supplemented by additional privacy notices applicable to specific practices, and more detailed information shared at the time of registration for a particular product or service.

Learn More

This Privacy Policy describes how Questrade Financial Group Inc. and its subsidiaries collect, use, disclose, and safeguard personal information. Subsidiaries of Questrade Financial Group Inc. include:

Questrade, Inc.;
Questrade Wealth Management Inc.;
Questbank;
Questmedia Inc.;
Flexiti Financial Inc.;
Community Trust Company;
Zolo Ventures Ltd.;
Questrade Mortgage Corporation; and
Other subsidiaries and affiliates of Questrade Financial Group Inc.

This policy applies to the personal information of our customers, and of individuals who otherwise interact with us, including in relation to our deposit, investment, loan, credit card, securities, mortgages, real estate, and other financial products or services. It also applies to your use of our websites, mobile applications, and other digital properties. This policy includes each of the following supplemental notices, which we have broken out to provide more detail regarding our privacy practices:

Digital Privacy, Cookies and Interest-Based Advertising, which provides details on our digital privacy practices
Credit Checks and Credit Reporting, which includes information on how we may exchange your information with credit reporting agencies

In the event of a conflict between this document and a supplemental notice, the supplemental notice will prevail. In addition to this policy, product-specific notices may provide additional details on our privacy practices when you sign up or apply for new offerings, and will apply together with this policy.

2. What Personal Information We Collect, and How We Collect It

To provide you with our tailored products and a secure experience, we may collect your personal information; however, we will always limit our collection to what is reasonably necessary to fulfill the purposes for which it is collected. We may collect this information in four ways: directly from you; from someone you have designated to provide us with information on your behalf, such as a broker; automatically through your interactions with us, such as interactions with our websites and applications; and from external sources, such as credit reporting agencies.

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Definition of Personal Information

“Personal information” is any information that can be used to identify you, directly or indirectly.

Categories of Personal Information

We collect various types of personal information based on the products or services you use and your interactions with us. These categories include:

Contact Information: Information including your name, address, email, and phone number.
Background Information: Information such as your date of birth, age, gender, and marital status.
Government Identification Information: Government-issued IDs and social insurance number (SIN).
Financial and Credit Information: Details regarding your assets, liabilities, income, expenses, net worth, and credit scores or reports obtained from credit reporting agencies.
Product, Transaction and Account Information: Products and services you have with us, credit card numbers, account numbers and balances, transaction history, and purchase history and preferences.
Technical and Usage Information: Your IP address, device ID, browser type, operating system, geolocation (if enabled on your device), and data about how you navigate our websites and apps (such as clickstreams and page response times).
Interaction and Behavioral Information: Recordings of phone or video calls, chat transcripts, and other customer feedback. We may also use device behavioral data, such as mouse patterns or keyboard rhythms, for fraud monitoring and security.
Biometric Information: Information that enables us, with your consent, to verify your identity (such as a photo of your face and a government ID used for facial matching).
Third Party Information: Information you provide us about others, such as beneficiaries or joint account holders.

How We Collect Personal Information

We collect personal information using the following methods:

Directly from You: When you complete an application, open an account, enter a promotion, communicate with our sales and service teams, or otherwise provide information directly to us.
From Others on Your Behalf: We may receive information from authorized representatives (such as a power of attorney), joint account holders, brokers, real estate agents, or financial data aggregators where directed by you.
Collected Automatically: We use cookies, software development kits (SDKs), web beacons, and similar technologies to gather technical data when you use our websites and mobile apps. We also, with notice to you, record calls and interactions, such as online chats, for security and training purposes.
From Third Parties and External Sources: We obtain data from third parties outside QFG, including credit reporting agencies, government bodies, public records, social media platforms, other financial and lending institutions, and identity verification and risk assessment services.

3. Purposes of Collection and Use

We collect and use your personal information to provide you with and manage our products and services. Specifically, we may use your personal information to:

Deliver and Administer Services: Manage your accounts, process transactions, and communicate with you.
Verify Identity and Assess Risk: Meet anti-money laundering (AML) requirements and determine creditworthiness for loans or credit cards.
Maintain Security: Detect and prevent fraud or unauthorized account access.
Improve Your Experience: Conduct research and analytics to develop new products and services, and provide you with personalized offers based on your interactions with us.
Meet Legal Obligations: Fulfill reporting and other regulatory requirements.

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Why We Use Your Personal Information

We use your personal information for the following primary purposes across our businesses:

Service Delivery and Account Management: We use your personal information to evaluate and process applications for accounts, loans, and other financial products and services. This includes opening and maintaining your records, processing payments, investments, transfers and withdrawals, and communicating with you regarding your accounts or inquiries. For real estate and mortgage services, this involves processing property offers, deal submissions, and funding arrangements.
Identity Verification: To comply with anti-money laundering (AML) and “know your client” (KYC) requirements, we use your personal information to verify your identity.
Credit Assessment: We use your personal information to assess your creditworthiness when you apply for a credit product in order to establish credit limits and manage financial risks, and may continue to do so on an ongoing basis throughout our relationship. See the Credit Checks and Credit Reporting Notice for more information.
Security and Fraud Management: We monitor activity across platforms and accounts to prevent and detect financial abuse, fraud, and other suspicious activities. This may include the use of third party risk assessment, geolocation, and digital behavioral data, such as mouse patterns or keyboard rhythms, to ensure that only authorized users are accessing your account.
Legal and Regulatory Compliance: We use your personal information to satisfy various legal and regulatory requirements. This includes using your Social Insurance Number (SIN) for mandatory income tax reporting related to products which generate interest or investment income, fulfilling reporting obligations to regulators, and complying with court orders, warrants, or other valid legal demands.
Research, Analytics, and Product Development: We perform research and statistical analysis to improve our service offerings. This includes using technical data (such as IP addresses) and website interactions (such as clicks and page response times) to optimize our digital properties and develop new features that better serve our clients.
Marketing and Sales: We may use your personal information to notify you of products, services, or promotions that may be of interest to you. This includes determining your eligibility for specific products, services, rewards or contests and conducting surveys to enhance your experience with us. See the Digital Privacy, Cookies and Interest-Based Advertising Notice for more information.

Automated Decision-Making (ADM)

We may use automated decision-making tools to assess credit risk, assess eligibility for products, and prevent and detect fraud. For example, we may process your personal information using certain tools to make decisions on credit applications, or preventing fraud and other financial crimes. When we rely on an automated decision, we may notify you of the automated nature of the decision and tell you how to contact us to learn more, in accordance with applicable laws.

4. Sharing with Affiliates, Service Providers and Other Third Parties

To provide you with a comprehensive suite of financial services and to manage your relationship with us, we share personal information within QFG, which may include affiliates in other countries. We also engage service providers and third party partners to support the provision of our products and services, or for legal, regulatory or other professional purposes when permitted or required by law.

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Internal Sharing Within QFG

We share personal information among QFG subsidiaries and affiliates to achieve the purposes set out in this Privacy Policy. This internal sharing helps us:

Deliver our products and services, manage our relationship with you, and provide a seamless and consistent customer experience across different products and services.
Understand your needs, personalize the service we provide you, and determine your eligibility for products offered by QFG.
Identify trends and patterns to help us improve our products and services.
Manage and assess group-wide risks, including credit and fraud risks, and collect debts owed to us.
Consolidate internal reporting and comply with legal and regulatory requirements.

Service Providers and Third Parties

We work with trusted third-party partners to help deliver our products and services. We use appropriate contractual safeguards to ensure these service providers protect your personal information and use it only for authorized purposes. Before partnering with any service provider, we assess their security practices to ensure they meet our standards for protecting your personal information.

Categories of service providers with whom we share personal information include:

Technology Infrastructure: Providers of cloud hosting, data storage, and the foundational software used to run our systems and secure our network.
Trust, Safety, and Risk Management: Service providers that help us verify identities, manage secure logins, prevent fraud, provide insurance, and monitor for and manage security threats and operational risks.
Communications and Customer Support: Services that facilitate our email, chat, and phone communications, including customer relationship management and help-desk tools.
Marketing and Analytics: Service providers that help us understand how you use our website, manage our advertising campaigns, and provide you with relevant updates.
Operations and Logistics: Vendors who assist with maintaining books and records, securities registration, processing and storage, order fulfillment, shipping, and delivery.
Product Performance and Quality Assurance: Tools used to monitor the health of our apps and websites, identify software bugs, and conduct user testing to improve our services.

We may share personal information with other third parties who, in addition to supporting our products and services, may also process personal information for their own authorized purposes. These include:

Payment and Financial Processing: Secure third-party payment processors, billing platforms, and financial institutions used to facilitate your transactions.
Funding Partners and Investors: We share personal information with active and prospective funding partners and investors (such as those involved in loan sale programs) to manage credit risk, facilitate the funding of loans, and meet our contractual obligations to those partners.
Insurance Underwriters: Where you sign up for insurance related to our products, we will share your personal information with the applicable underwriter as required to facilitate your enrollment.
Credit Reporting Agencies: We exchange personal information with credit reporting agencies such as Equifax and TransUnion to assess creditworthiness and report credit history. See the Credit Checks and Credit Reporting Notice for more information.

Lastly, we may share information as permitted or required by law for legal, regulatory and other professional purposes:

Regulators: Including government regulators such as the Canada Revenue Agency and self-regulatory organizations, to fulfill reporting requirements.
Legal Authorities and Law Enforcement: In response to valid requests and production orders.
Professional Advisors: Including legal counsel, auditors and consultants.
Business Transactions: Potential partners in the event of a merger, acquisition, or sale of business assets.

5. Security Safeguards, Cross-Border Transfers and Retention

We use robust physical, technical, and organizational safeguards to keep your personal information secure. To provide our products and services, we may store or process your information outside of your province or Canada; in these cases, your data remains protected but may be subject to the laws of that local jurisdiction. We only keep your information for as long as it is needed to provide our services or to meet our legal and regulatory obligations. Once it is no longer required, we ensure your data is either securely destroyed or permanently anonymized.

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How We Protect Your Personal Information

We take the protection of your personal information seriously. We maintain a comprehensive privacy program with physical, technical, and organizational safeguards designed to protect your personal information against loss, theft, and/or unauthorized access, use or disclosure. Our privacy controls include:

Access Controls: Limiting access to your personal information to authorized personnel on a ‘need-to-know’ basis.
Transparency: Ensuring you are informed of how your personal information is used before or at the time of collection.
Governance: Clear assignment of roles and responsibilities for managing data throughout its entire lifecycle, including the appointment of a Chief Privacy Officer.
Data Lifecycle Management: Standards for the secure retention, destruction, and anonymization of personal information.
Incident Response: Dedicated procedures for investigating suspected privacy incidents and responding to inquiries or complaints.
Individual Rights: Processes to help you easily exercise your rights and choices regarding your personal information.

We reinforce these protections through regular employee training and appropriate contracts that require our service providers to meet our confidentiality and security standards.

Where We Store and Process Your Personal Information

To provide our services, we and our service providers may store or process your personal information in jurisdictions outside of your province or territory of residence, or outside of Canada. While your personal information is in a foreign jurisdiction, it is subject to the local laws of that country. These laws may allow foreign courts, law enforcement, or national security authorities to access your personal information through valid legal requests. We ensure that any transfers of personal information are protected by contractual safeguards designed to maintain a level of protection comparable to our own standards in Canada.

How Long We Retain Your Personal Information

We only keep your personal information for as long as necessary to fulfill the purposes for which it was collected, or to meet our legal, tax, and reporting obligations. Our retention periods vary based on the type of data and the nature of our relationship with you. Once your personal information is no longer required, we securely destroy it or anonymize it so that it can no longer directly or indirectly identify you.

6. Your Privacy Rights

We want to ensure you understand your rights and choices when it comes to how your personal information is collected, used and disclosed, to help you make informed decisions about your privacy. There are multiple options available for you to manage various privacy preferences, including: managing preferences within your accounts or marketing communications, contacting us directly, changing your browser settings, or using a third party unsubscribe functionality.

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Right to Access

You have the right to request information about:

What personal information was collected and the purposes for which it was collected.
The categories of third parties who have access to your personal information.
The jurisdictions where your personal information is stored and how long we keep it.

You also have the right to request access to the personal information we hold about you.

Right to Correction

We make reasonable efforts to ensure the personal information we have about you is accurate, complete, and up-to-date. If any of the personal information we hold about you is inaccurate, you may be able to correct this information in your account profile. If you can’t update it yourself, or need help updating the information, please reach out to us so we can make any required corrections.

Right to Withdraw Consent

Subject to applicable legal and regulatory requirements, you may withdraw your consent to certain uses or disclosures of your personal information at any time, as follows:

Marketing: You can unsubscribe from promotional emails or SMS via the link in the message or by reaching out to us using the contact information below.
Intra-Affiliate Information Sharing: You can withdraw your consent for us to share your information among QFG affiliates for non-essential purposes, such as affiliate cross-promotion.
Non-Tax Use of SIN: If you previously consented to us using your SIN as a unique identifier (for non-tax purposes), you can withdraw this consent by reaching out to us using the contact information below.
Cookies: You can adjust your cookies settings at any time in your browser.

Please note that if you withdraw consent for us to process information required to provide a product or service, or meet our legal or regulatory obligations, we may no longer be able to maintain your account, or provide you with certain products or services.

7. Updates & Contact Information

Updates

We may update this Privacy Policy or the supplemental notices from time to time. Your continued use of our products and services evidences your acceptance of updates to the Privacy Policy. The current version of the policy is available on our website: questrade.com/disclosure/privacy-policy-and-security/privacy-policy

Contact Information

If you have any questions or concerns about how we handle your personal information, please contact our privacy officer at the applicable Privacy Office:

All QFG Affiliates

privacy@questrade.com
Attention: Privacy Office
5650 Yonge Street, Suite 1700
Toronto, ON M2M 4G3 Canada

If the Privacy Office is unable to resolve a concern to your satisfaction, you may contact the Office of the Privacy Commissioner of Canada or the relevant provincial privacy regulator.