Janea Bellay-Dieno values your privacy!
We will never give, lease, sell or otherwise disclose your personal information. Period! Any information you give to Janea Bellay-Dieno, will be held with the utmost care, and will not be used in ways to which you have not consented. A more detailed explanation about how we safeguard your personal information is described below. If you have any questions at all about our privacy policy, please email us at chris@yastech.ca
Resale or Disclosure of Information to Third Parties
Janea Bellay-Dieno does not sell, rent, loan, trade, or lease any personal information collected at our site, including contact forms, download requests or email lists.
Privacy of Our Email Lists
Individuals must affirmatively ask to join our mailing lists using the forms provided on this web site or other means expressly sanctioned by Janea Bellay-Dieno. We do not sell, rent, loan, trade, or lease the addresses on our list to anyone. In addition, we configure our list server software to refuse to divulge the email addresses of our list subscribers to anyone but authorized Janea Bellay-Dieno staff, including other list subscribers.
Unsubscribe Policy
We strive to only send e-mail to those who want to receive it. If you would not like to receive future e-mails from us, reply to any email with UNSUBSCRIBE as the subject.
Personal Information
Any information that personally identifies you or allows us to contact you. It includes, without limitation, your full name, your email address, your home address, or your telephone number. This information is ordinarily used to individualize your experience on our website, communicate separately with you, facilitate your movements throughout our website, and to be able to selectively send you communications that may be of interest to you, either electronically or otherwise.
Generally, you can visit our website without revealing any Personal Information about yourself. The personal information collected from clients during the registration process is used to manage each client’s account (such as for billing purposes). This information is not shared with third parties, unless specifically stated otherwise or in special circumstances.
Aggregate Information
We collect certain Aggregate Information, such as tracking the Internet address of the domains from which you visit our site and analyzing this data for trends and statistics, tracking your IP address (the number that is automatically assigned to your computer when you are using the Web), and tracking your browser type.
We use this Aggregate Information to help diagnose problems with our servers, to administer our site, and to gather broad demographic information. None of this information is connected with your personal information. Think Profits may also generate non-identifying and aggregate profiles from personal information members provide during registration (such as the total number, but not the names, of clients).
Use of IP Addresses
An IP address is a number that is automatically assigned to your computer whenever you’re surfing the Internet. Web servers automatically identify your computer by its IP address. Janea Bellay-Dieno and/or its affiliates may collect IP addresses for the purposes of system administration, to report aggregated information to our advertisers, and to audit the use of our website. When clients request pages from our website, our servers log the requesting clients’ IP addresses. We normally will not link IP addresses to anything personally identifiable, which means that clients’ sessions will be logged, but client identity remains anonymous to us. We can and will use IP addresses to identify a client when we feel it is necessary to enforce compliance with our rules or terms of service or to protect our service, website, or any person, or where it is otherwise permitted by law.
Responses to Email Inquiries
When visitors or clients send email inquiries to Janea Bellay-Dieno, the return email address is used to answer the email inquiry we receive. Janea Bellay-Dieno does not use the return email address for any other purpose and does not share the return email address with any third party.
“Cookies” and How Janea Bellay-Dieno Uses Them
A “cookie” is a small data file that can be placed on your hard drive when you visit certain websites.
Janea Bellay-Dieno may use cookies to collect, store, and sometimes track information for statistical purposes to improve the products and services we provide and to manage our telecommunications networks.
These cookies do not enable third parties to access any of your client information.
Most browsers are initially set up to accept cookies. If you’d prefer, you can set yours to refuse cookies or to alert you when cookies are being sent. However, it is possible that some parts of the site will not function if you do so. Advertisers and partners may also use their own cookies. We do not control use of these cookies and expressly disclaim responsibility for information collected through them.
Links to Other Sites
Janea Bellay-Dieno is not responsible for the content or the privacy policies of websites to which it may link and our privacy policy does not apply to websites to which we may link.
These other sites may send their own cookies to users, collect data, or solicit personal information. These other sites are not subject to the Janea Bellay-Dieno privacy policy and Janea Bellay-Dieno is not responsible for the privacy policies for these other sites, nor for the use of any information that these sites may collect. Please keep in mind that whenever you give out Information online (for example, via message boards or chat lines), that Information can be collected and used by people you don’t know.
While Janea Bellay-Dieno and its affiliates strive to protect their clients information and privacy, we cannot guarantee the security of any information you disclose online, you disclose such Information at your own risk.
Data Security
Janea Bellay-Dieno is committed to taking reasonable measures to protect your Personal Information from theft, misuse and alteration. Although Janea Bellay-Dieno’s security efforts are consistent with industry practices, complete privacy, confidentiality, and security are not yet possible over the Internet.
The client agrees that since the Internet is not a fully secure medium for the communication of information, and since privacy and confidentiality cannot be guaranteed, use of Janea Bellay-Dieno services may cause the client’s information to be accessed by, or disclosed to, other persons.
Therefore, the client agrees that Janea Bellay-Dieno shall not be responsible or liable for any damage that the client, or any other person, may suffer in connection with the communication of private, confidential, or sensitive information using Janea Bellay-Dieno services. While we make every effort to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party “hackers” from illegally obtaining the client’s information.
Where to Direct Questions About Janea Bellay-Dieno Privacy Policy
If you have any questions about this Privacy Policy or the practices described herein, you may contact:
Revisions to This Policy
Janea Bellay-Dieno reserves the right to revise, amend, or modify this policy, our Internet Service Agreement and our other policies and agreements at any time and in any manner. Notice of any revision, amendment, or modification will be posted in accordance with the Internet Service Agreement.
Janea Bellay-Dieno Commitment to Children’s Privacy
Protecting children’s privacy is especially important to us. It is our policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws.
Janea Bellay-Dieno recommends that children ask a parent for permission before sending personal information to Janea Bellay-Dieno or to anyone else online.
Janea Bellay-Dieno Legal Disclaimer
This website, its design and content is the exclusive property of Janea Bellay-Dieno. All rights reserved. Unauthorized reproduction, use or representation of this website, in part or in whole is expressly forbidden.
All images are copyright their original owners and are used under the licenses applied.
JBD Financial Planning is a registered sole-proprieter within the province of Saskatchewan, Canada.
Performance Financial Services Inc. is a registered corporation within the province of Saskatchewan, Canada.
Janea Bellay-Dieno reserves the right to add, modify or remove any content at any time. For confirmation of pricing, special offers or other business-related issues, please contact Janea Bellay-Dieno directly.
Desjardins Financial Security Disclaimers
THIS SITE IS NOT THE PROPERTY OF DESJARDINS FINANCIAL SECURITY, OR DESJARDINS FINANCIAL SERCURITY INVESTMENTS INC. THEY DO NOT HAVE ANY CONTROL OVER THE CONTENT OR THE USE OF THE SITE.
DESJARDINS FINANCIAL SECURITY AND ITS AFFILIATES SHALL NOT BE LIABLE OR RESPONSIBLE TO ANY PERSON FOR ANY HARM, LOSS OR DAMAGE (WHETERH ARISING IN CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE) THAT MAY ARISE DIRECTLY OR INDIRECTLY FROM THIS SITE, THE USE, INABILITY TO USE, OR MALFUNCTIONING OF THIS SITE OR THE INFORMATION CONTAINED HEREIN, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY, OR CONSEQUENTIAL DAMAGES.THIS SITE IS INTENDED FOR READERS IN THE PROVINCE OF SASKATCHEWAN OR THE PROVINCE OF ALBERTA.
About Desjardins
THE LARGEST COOPERATIVE FINANCIAL GROUP IN CANADA
A financial force with $135.1 billion in assets.
A human force of over 5.8 million members and clients, 400,000 business members, 37,000 motivated employees and 7,020 dedicated elected officers.
A highly accessible distribution network comprising:
- 536 caisses with 1,435 services centres in Quebec and Ontario.
- 52 business centres in Quebec and Ontario.
- 32 Desjardins Credit Union service centers in Ontario.
- A combined total of 113 points of service in Manitoba and New Brunswick, that is 40 affiliated caisses and 73 service centres.
- One Desjardins Bank in Florida with 3 service centers and a commercial lending subsidiary in the U.S., all managed by Caisse centrale Desjardins.
- Some 20 specialized financial services subsidiaries, owned by the caisses, with around 100 business locations in Canada.
- A state-of-the-art virtual network on automated teller machines and internet.
Having pioneered the integrated offer of products and services in Canada, Desjardins provides its members and clients, both individuals and businesses, with a full range of financial products and services. Desjardins’ physical distribution network is supported by virtual access modes like www.desjardins.com, the most frequently visited financial Web site in the province of Quebec, and the third-most visited in Canada.
About Desjardins Financial Security Investments Inc.
Desjardins Financial Security Investments Inc. (DFS Investments) is a body corporate separate and apart from Desjardins Financial Security.
DFS Investments is a mutual funds dealer registered in every Canadian province (registered as a group savings plan and investment contract brokerage firm in the province of Quebec). It is registered as a limited market dealer in the province of Ontario. It is also registered in every Canadian province for the distribution of insurance products. DFS Investments representatives are qualified to provide advice on mutual funds, investment contracts and other investments products, among other things. In Quebec, DFS Investments is registered as an investment contract brokerage and financial planning firm.
Unless otherwise indicated, investments in products distributed by DFS investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Financial Security, and their value is subject to market fluctuations.
Website/Canadian Residency Disclaimer
The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where JANEA BELLAY is not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.
Dual-Branding Disclaimer
Desjardins Financial Security Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada (“MFDA”), Desjardins Financial Security Investments Inc. is obligated to disclose to you that you may be dealing with companies other than Desjardins Financial Security Investments Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Desjardins Financial Security Investments Inc.:
* Deposit Instruments: GICs, Canada Savings Bonds;
* Fee for Service Financial Planning;
* Estate Planning;
* Tax Planning or Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General.
Links Disclaimer
JANEA BELLAY and DESJARDINS FINANCIAL SECURITY (DFS) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of JANEA BELLAY or DFS. The information in this communication is subject to change without notice. Click here for additional policies and dislaimers related to links.
Borrowed Money (& Leverage) Disclaimer
Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.
Mutual Funds Disclaimer
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Insurance Disclaimer
Insurance products and services are offered through Performance Financial Services Inc. by Advisors licensed as life agents.
Segregated Funds Disclaimer
Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.
Janea Bellay-Dieno Privacy Policy
Janea Bellay-Dieno is bound by PIPEDA and requires consent where the personal information it collects, uses, discloses and retains is used in the course of its commercial activities. The information Janea Bellay-Dieno collects, uses, discloses and retains for Regulatory purposes does not require consent.
The following are the 10 principles with which Janea Bellay-Dieno is required to comply with respect to personal information:
1. ACCOUNTABILITY
Janea Bellay-Dieno is responsible for personal information under its control and shall designate one or more administrative members who are accountable for Janea Bellay-Dieno compliance. The identity of the staff members shall be made known by Janea Bellay-Dieno upon request.
Policy:
* General questions and comments related to PIPEDA , Janeabellay.com’s compliance with the legislation, as well as, that of individual business-related practices should be forwarded to Owner, Janea Bellay-Dieno at janea@janeabellay.com. Concerns related to Janeabellay.com’s Compliance with the legislation, including the collection, use, retention and destruction of personal information held by Janeabellay.com should be also be forwarded to Janeabellay.com Manager, Janea Bellay-Dieno at janea@Janeabellay.com
2. IDENTIFYING PURPOSES
The purpose for which personal information is collected, used and disclosed by Janeabellay.com in the course of its commercial activities is as follows:
Policy:
* Personal information collected, used and disclosed by Janeabellay.com in the course of its commercial activities is outlined above.
Procedure:
* A Consent Form, setting out the use of the personal information by Janeabellay.com in the course of its commercial activities, will be sent providing an opportunity to accept or deny its use. Any individual may subsequently amend his/her consent in writing.
3. CONSENT
The knowledge and consent of the individual is required for the collection, use, disclosure or retention of personal information in the course of Janeabellay.com commercial activities except where inappropriate. The form of the consent sought by Janeabellay.com may vary depending on the circumstances and the type of information and the reasonable expectations of the individual. Given the nature of the personal information it is reasonable to infer that an individual has given implied consent for the collection, use, disclosure or retention of personal information necessary for the identified purposes until the individual has returned the above noted Consent Form to Janeabellay.com An express consent with check off boxes allowing an individual to request that contact information not be given to other organizations which may use it for commercial activities will be included in the Consent Form. Janeabellay.com may collect, use and disclose personal information in the course of its commercial activities without the knowledge or consent of the individual if the collection, use or disclosure is clearly in the interest of the individual and the consent cannot be obtained in a timely manner or if it is reasonable to expect that the collection, use or disclosure with the knowledge or consent of the individual would compromise the availability or the accuracy of the information as more particularly set out in the PIPEDA .
An individual may withdraw his/her consent at any time upon reasonable notice subject to legal or contractual restrictions.
The only commercial entities to whom Janeabellay.com will divulge any personal information gathered in the course of its commercial activities are affiliate associations including but not limited to Better Business Bureau. Requests by such commercial entities will be addressed individually and evaluated by Janeabellay.com manager(s). Janeabellay.com reserves the right to refuse personal player information to any organization who is deemed non-compliant with PIPEDA .
Policy:
* Personal information collected, used, disclosed and retained by Janeabellay.com in the course of its commercial activities is identified in the Consent Form. Janeabellay.com will obtain written consent from all members to collect, use, disclose and retain his/her personal information in the course of its commercial activities.
* Any clients that are on Janeabellay.com will give prior consent in writing.
4. LIMITING COLLECTION
The collection, use and disclosure of personal information in the course of its commercial activities shall be limited to that which is necessary for the purposes identified by Janeabellay.com. Information shall be collected by fair and lawful means.
Policy:
* All personal information collected, used and disclosed by Janeabellay.com in the course of its commercial activities is obtained from individual Consent Forms.
Procedure:
* Collect, use and disclose personal information in the course of its commercial activities from Consent Forms.
5. LIMITING USE, DISCLOSURE AND RETENTION
Policy:
* Personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities shall not be used or disclosed for purposes other than those for which it was collected except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
* Nettwo may disclose personal information collected in the course of its commercial activities without the knowledge or consent of the individual if the disclosure is to a lawyer who represents Janeabellay.com or for the purposes of collecting a debt owed by the individual to Janeabellay.com or where such is required to comply with a subpoena or an Order of the Court or a person or body with jurisdiction to compel the production of information or where a request has been made by an investigative body and the disclosure is reasonable for purposes related to investigating a breach of an agreement or contravention of the Laws of Canada or a Province or are required by law.
Procedure:
* Only personal information collected from the Consent Form may be provided to those organizations identified on the Consent Form.
6. ACCURACY
Personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities shall be as accurate, complete and up to date as is necessary for the purpose for which it is to be used.
Policy:
* Janeabellay.com endeavors to maintain accurate and up-to-date records, however, the onus is on the individual to advise Janeabellay.com, in writing, with respect to any change in particulars.
Procedure:
* Changes to all information submitted in Consent Forms will only be accepted in writing.
7. SAFEGUARDS
Policy:
* Personal information collected, used and disclosed by Janeabellay.com in the course of its commercial activities shall be protected by security safeguards appropriate for the sensitivity of the information.
Procedure:
* Janeabellay.com’s database is password protected using standard encryption means.
* Access to the physical storage medium used is limited to those with access to the building in which the Janeabellay.com server is housed; currently two people.
8. OPENNESS
Janeabellay.com shall make readily available to individuals specific information about its policy of practices relating to the management of personal information collected, used and disclosed in the course of its commercial activities. An individual may contact the designated staff member to obtain further information.
Policy:
* An individual may request access to his/her personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities (Consent Form).
Procedure:
* Written request to the staff member responsible for Janeabellay.com’s compliance with the PIPEDA.
9. INDIVIDUAL ACCESS
Upon request, an individual shall be informed of the existence, use and disclosure of his/her personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.
Policy:
* An individual may request access to his/her personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities (Consent Form).
Procedure:
* Request to access personal information collected, used or disclosed on the Consent Form must be received in writing, including the date and time when he/she would like to view the Consent Form.
* Staff member accountable for Janeabellay.com’s compliance with the PIPEDA will remove that Consent Form from the binder for review by the individual.
* Changes to information contained on the Consent Form will be made by the individual in writing, signed and dated.
10. CHALLENGING COMPLIANCE
An individual shall be able to address a challenge concerning compliance with the above 9 principles with the designated administrative member accountable for Janeabellay.com’s compliance.
Policy:
* Complaints may be made to Janeabellay.com designated staff member accountable for Janeabellay.com’s compliance with the PIPEDA in addition to the Federal Privacy Commission.
Procedure:
* Complaint must be made in writing and should be addressed to the designated staff member accountable for ensuring Janeabellay.com’s compliance with the PIPEDA .
* The staff member accountable for Janeabellay.com’s compliance with the PIPEDA , in consultation with the Executive Director, will address the matter and issue a response to the individual within 30 days of receipt of the complaint.
To contact the Janeabellay.com Privacy Officer, please use the following email address: janea@Janeabellay.com