London Drugs Privacy Policy

Safeguarding your Personal Information

Last updated: August 23, 2022

At London Drugs, we will not collect, use, or disclose your personal information without your consent - except as required or permitted by law. We do not and will not sell or rent your personal information to anyone for any reason.

Personal Information is information about an identifiable individual. It does not include business contact information or information which is anonymous or aggregated.

Personal information you provide to us will only be used by us as part of our ongoing efforts to provide you with superior service and selection.

We know that we earn your business and your trust with each transaction. That is why we take extensive measures designed to protect your privacy by safeguarding any personal information we collect, provide to third-party service providers and/or store during the course of doing business together. Please see also our Security Policy.

Our mandate for protecting your privacy is to ensure that our privacy standards meet or exceed the guiding principles established in federal and provincial privacy legislation.

London Drugs is responsible for personal information it holds or which is under its control, including the personal information it entrusts to service providers. We have designated a person to act as our Privacy Officer, whose duties will include monitoring London Drugs compliance with relevant legislation, replying to our valued customers’ questions, as well as responding to requests by individuals for access to and correction for any personal information London Drugs has collected on them.

We adhere to Ten Privacy Principles to ensure your personal information is protected.


London Drugs 10 Principles of Privacy Protection

Principle 1 - Accountability
London Drugs is responsible for maintaining and protecting the customer information under its control. In fulfilling this mandate, London Drugs has designated an individual who is accountable for the Company's compliance with the Ten Privacy Principles.

Principle 2 - Identifying Purposes
The purposes for which your information is collected, used or disclosed shall be identified before or at the time the information is collected, used or disclosed. We do not use or disclose personal information for reasons other than the specific purpose for which it was originally collected or consented to. London Drugs will limit the collection and use of your information to the minimum we require to deliver superior service to you, our customer; this includes advising and providing you with our products, services and other opportunities, and to administer our business.

Principle 3 - Consent
Your knowledge and consent (express or implied) are required for the collection, use or disclosure of your personal information except where required or permitted by law.

Principle 4 - Limiting Collection
Any personal information we collect from you is limited to those details necessary for the business transaction, as described further below, and we only collect this information using fair and lawful means.

Principle 5 - Limiting Use, Disclosure and Retention
We will only use or disclose your personal information for the purpose for which it was collected - unless you provide us with consent to do otherwise or when it is required or permitted by law. We will not retain your personal information any longer than required to fulfill the needs of why we collected the information.

Principle 6 - Accuracy
Our commitment is to maintain your personal information as accurate, complete and up-to-date as is necessary for the purpose that we collected it for in the first place.

Principle 7 - Safeguarding Customer Information
At London Drugs, we are committed to protecting your personal information with safeguards appropriate to the sensitivity of that information.

Principle 8 - Openness
At London Drugs, we will answer your questions about our privacy policies, procedures, and our management of your personal information in as understandable a format as possible.

Principle 9 - Customer Access
If you require details on your personal information at London Drugs, please send us a written request. Upon receipt of this request, London Drugs will inform you of the existence, use and disclosure of your personal information and will provide access to that information, except where the law requires or permits London Drugs to deny access. We will provide you information within a reasonable time period and provide an explanation if we are unable to meet your request. Some inquiries may entail a charge, but we will provide an estimate for the amount in advance.

Principle 10 - Handling Customer Complaints and Suggestions
Our commitment is to handle questions about our privacy principles, practices or any suggestions to improve promptly. Please direct your communications to the London Drugs Chief Privacy Officer at privacy@londondrugs.com


Categories of personal information we collect, use and disclose

At London Drugs, we gather and use personal information to provide you with the services you have requested or to offer additional products and services we believe you might be interested in. Providing us with your personal information is always your choice. Most of the information we collect comes to us directly from you, and only with your consent. The types of information we may ask for depends on the nature of our service to you.

We consider personal information to include your name, address, phone number, email address, credit-card information and any other personal information that can be linked to you.

London Drugs does not intentionally collect personal information for any reason about children under the age of 13. If you are under 13 and would like to use some of the features of the Websites which involve providing personal information, please ask a parent or guardian for assistance.

In-store purchases
We do not, as a condition of the supply of a product or service to you, require you to consent to the collection, use, or disclosure of your personal information beyond that information which we require to deliver superior service to you; this includes advising you about our products, services and other opportunities, and to administer our business.

We may need to collect contact and payment information from you to complete a transaction. Examples where we may need contact information includes arranging for home delivery of items you may have purchased, facilitating product repairs and servicing, performing in-home installations, facilitating manufacturers’ warranty coverage, processing rebate requests, offering service on extended warranty plans and accepting product returns.

Should we wish to use your contact information to send you promotional information, we will ask for your consent. We may also send you a thank you communication following a purchase from certain departments. This will typically be the only communication you will receive following a purchase and it is truly our way of saying thank you for your business.

London Drugs Online Store
The information you provide when you make a purchase on the London Drugs Online Store is collected by London Drugs to process and fulfill your online transaction(s). When making an online purchase you will be requested to provide information including: name, phone, address, email and payment information. This information enables us to ensure that your goods are shipped to the right address and to contact you as needed in connection with your order. London Drugs does not retain credit card information unless requested to do so, in which case it is securely maintained and encrypted.

In order to protect all parties from fraudulent transactions and reduce risk of misuse of personal information, London Drugs may provide your personal information, including your address and credit card information, to reputable third party organizations to perform data verification. For example, an address verification is intended to ensure that the address provided appears valid and that the "Bill to" address matches your credit card address.

You may sign up for an account with www.londondrugs.com so that you will not need to re-enter all the information required to complete a purchase each time you place an online order. To sign up for an account we will ask you to provide certain personal information including name, email and ask you to create a password. Registered users of the www.londondrugs.com site have the ability to view, update and change their personal profile within this site.

By signing up for an account, you may benefit from an enhanced online user experience through additional functionality and services that may only be available to registered users, such as subscription order services, improved product recommendations, personalized offers and store locator suggestions.

If you request a subscription order service, your credit card information is maintained by our processor Moneris in an encrypted and tokenized manner. Your email will be used to notify you of upcoming shipments. You may cancel or change your subscription order by logging into your account.

E-newsletters, Mobile Messaging & Personalized Use of our Websites
You may from time to time be given an option on our Websites to receive communications from London Drugs in the form of electronic newsletters, emails, mobile messages or customized promotions, which relate to things such as featured products, special offers and London Drugs news, events and services. In order to enroll, we need to collect some information from you (including email address or mobile number). We may use your email or mobile number to send customer appreciation messages or to follow up or provide special offers based on your use of our website. You may change your preferences or withdraw your consent to receive such communications from London Drugs at any time.

For any London Drugs mobile messaging program that you opt in to on or through our Websites, you agree to receive messages to the mobile number used at the time of opt in. Depending on the program you subscribe to, mobile messages may relate to, without limitation, promotions, contests, sales, special offers, products, services, news and events. Mobile messages may take a variety of forms, including without limit, alerts, text, SMS and MMS. Message frequency may vary. For further terms and details on our mobile text messaging programs, see https://londondrugs.com/promotional-messages.html. You may unsubscribe or opt out of any mobile messaging program offered by London Drugs at any time.

When you opt in, we may use cookies or other technology to better understand your interests and to enhance and customize your use of our website and our communications with you. For more information on cookies see Cookie Notice. You can remove or block cookies using the settings in your browser, but in some cases that may prevent you from using all the features on our Website or from receiving all the benefits otherwise provided when you opt in.

London Drugs Wish List
The information provided by you to create your personal Wish List is collected and used by London Drugs to maintain your Wish List. You will need to set up an account at www.londondrugs.com in order to create a Wish List. If you elect to make your Wish List public, members of the public will be able to view the items you have on your Wish List . You can change your Wish List back to private at any time. London Drugs may use the information on your Wish List to provide you with personalized offers and promotions, if you have consented to receive marketing and promotional communications from us.

Pharmacy
London Drugs has always been and will remain committed to keeping all your personal health information confidential. We recognize and appreciate your expectation that we ensure your privacy and confidentiality is maintained at all times. We take this responsibility extremely seriously.

Your personal health information includes:

We use your personal health information to assist you with managing your medical condition, managing your health, and ensuring you receive the most appropriate medication and its respective dosage for you.

We collect, use and disclose your personal health information in the following situations:
Personal health information (i.e. prescriptions) obtained by London Drugs will be used to dispense prescription medications.

London Drugs Photolab
When you purchase a product or service from our photolab department, whether in-store, by kiosk, online through our website or by way of software download, you will need to provide us with contact and payment information so that we can process your request. You will of course also need to provide us with your digital and photographic images and content so we can fulfill the requested photo service.

The information you provide to us allows us to: ensure that you get the services and products you request, maintain your account, perform security and verification functions and contact you about the goods or services that you have ordered or may wish to obtain in the future (subject to your consent for this purpose).

We offer customers many products and services on our London Drugs online photo processing sites, including www.londondrugs.com/photolab and www.prolabcanada.ca. In order to store, upload, download, view and share photos in these photo lab web sites, you must provide your email address and select a password to become a registered www.londondrugs.com/photolab user. This information enables us to maintain your photos securely in electronic storage, so only you and people you designate have access to them. It also allows us to establish and maintain your accounts, and for security and verification purposes. Registered users of the www.londondrugs.com/photolab site have the ability to view, update and change their personal profile within this site.

Users are responsible for ensuring verification information, including passwords, are protected and that you do not disclose them to other individuals. You are also responsible for ensuring that you understand any of the sharing functionality of the photolab service and that you use the service accordingly.

We use a third party service provider to assist us in providing certain photo services to you, subject to appropriate confidentiality and security measures. See heading ‘Disclosure to third party service providers’ in this Privacy policy for further details.

Insurance Services Department of London Drugs Limited
The Insurance Services Department offers various forms of insurance and services, including auto insurance, travel insurance, pet insurance and home insurance. The Insurance Services Department collects information from you (both in person and on-line, should you request a quote on-line) in sufficient detail to provide you an insurance quote, process your insurance transaction, administer or renew your policy or otherwise provide the requested service. The Insurance Services Department acts as an agent for the actual insurance carriers and as such shares the information they obtain with the carriers in order to obtain quotes for you and to bind coverage if appropriate.

Because the Insurance Services Department is a licensed insurance agency, and its employees and representatives include licensed insurance adjusters, agents and salespersons, in addition to existing privacy laws, it also complies with any additional privacy obligations set out by the Insurance Councils of BC and Alberta and ICBC, in the case of ICBC Autoplan coverage.

Call centre
London Drugs operates a call centre to respond to customer's questions, concerns, complaints and suggestions for service improvement. These suggestions and complaints are important to us as it enables us to provide better service to you our customers. As part of this process we may collect caller’s name, phone number, email and other information that they choose to give us, in order to appropriately respond to customer. However we will only ever collect personal information that you choose to voluntarily provide to us when connected with our call centre. Customers are always free to ask questions, voice concerns, make complaints and provide suggestions without giving us any personal information. We value all such suggestions.

Cosmetics
London Drugs is committed to protecting your personal information while ensuring that we have the tools required to provide you with a superior shopping experience.

In our cosmetics department we have several vendor-sponsored rewards programs that may include a component where we ask for your contact information so we can administer the program. London Drugs or our vendor partner may ask you to opt into a mailing list for additional marketing information and/or special offers. Your consent is not a condition of you participating in the reward program.

From time to time, we may also have promotions or surveys within the Cosmetics department, which are supported by our vendor partners. If you choose to participate, you may be asked for contact information as well as additional optional survey information (for example, product preferences). You may also be asked by either London Drugs or the vendor to provide your consent to be added to promotional mailings and newsletters. Your consent is not a condition of you participating in the promotion.

When returning a product to our cosmetics department you may be asked for contact information as well as information as to why you are returning a specific product. This may be disclosed to the vendor and is used by the vendor to improve their product. You may also be asked by either London Drugs or the vendor to provide your consent to be added to promotional mailings and newsletters. Your consent related to promotional mailings or newsletters is not a condition of receiving your refund.

Rebates
Certain products sold within London Drugs may be eligible for rebates. To receive your rebate, you may be required by either London Drugs or the vendor to provide your proof of purchase in addition to contact information such as name and address. Your consent may also be requested in order to send you promotional mailings and newsletters. Your consent is not a condition of receiving the rebate.

In store activations
As a service to our customers London Drugs may offer to activate various products and services within our retail stores: these products may include cellular phones, ADSL services, and satellite services. When performing these in-store activations on behalf of our customers, we may be required to collect specific personal information which is then provided to the respective service providers. London Drugs does not retain or use the information provided to these service providers.

Flyer/SuperFlyer/Catalogue Delivery
If you call us to report the non-delivery of your London Drugs Flyers, SuperFlyers and/or Catalogues, in order to resolve your complaint we will ask for your: name, address, postal code and telephone number.

This information will be provided to the distributor responsible for delivery in your area to resolve the problem. Neither London Drugs nor the distributor will retain or use this information for any reason other than ensuring delivery of our Flyer/SuperFlyer and/or catalogues.

In the unlikely event that we cannot resolve a delivery concern, with your permission we will provide your Name, Address & Postal Code to a Mailing Supplier that will send our Flyer, SuperFlyer and/or Catalogues to you by addressed mail. Neither London Drugs nor the Mailing Supplier will use this information for any other reason than mailing you our Flyer/SuperFlyer and/or catalogues.

Contests, promotions and surveys
From time to time our vendor partners may run contests or promotions within our stores either by way of specific contest entry forms or by coupons enclosed within products. We encourage you to read and understand the contest rules for each of these contests and promotions.

In addition, London Drugs may also run contests or promotions which may be available on-line or in the store. All contests are subject to rules that will be available with each particular contest. Should you choose to participate, you will be asked for contact information which will only be used to contact you should you win, unless you otherwise consent.

London Drugs contest and promotion forms may also ask additional optional survey questions in order that we may improve our product and service offerings. Your participation in answering the optional questions is not a condition of entering any contest or promotion.

London Drugs may also conduct surveys via our websites, email or in store, participation in which is always optional to customer. Information collected in such surveys will only be used to better understood customer needs, preferences and opinions and how London Drugs can provide the best possible service, value and products to our customers.

Customer Reviews
The Customer Review and Ask & Answer features on our website are provided as a service to our customers. While London Drugs does not provide any of your personal information to our third party service provider managing these features on our behalf, your reviews, questions and answers will be provided and may be accessible to all visitors to our website – so please do not include any personal information as part of your reviews/questions/answers.

Our LDExtras Program
(note: capitalized terms in this section without a definition have the meaning set out in the LDExtras Terms and Conditions )

In order to participate in our LDExtras Program (the “Program”), you will need to register at www.ldextras.com and provide certain information, including: name, email, telephone number, gender, birthdate, address (city, province & postal code) and, at your option, street address and certain preferences and interests.

Personal information under the Program is collected for the following purposes (“Purposes”): to administer and manage the Program and your participation in it; to create and provide Rewards and Additional Benefits for you; to improve and personalize the Program, Rewards, Just For You Perks and Additional Benefits; to better understand Member interests and preferences; to expand and improve upon services and products offered to Members through the Program, as well as through London Drugs retail stores and ecommerce generally; to better understand and serve customers of London Drugs generally; and to improve product and service recommendations, online user experience and provide new or improved services, benefits or offers of Members while on www.londondrugs.com (which may require Member to also have an account on that website).

Members may receive Rewards, Just for You Perks, Additional Benefits, Program communications and other related materials through www.LDExtras.com, the mobile app, email, text, mail or phone, subject to Member preferences. Electronic communications will be the primary method of Program communication.

As part of the Program, you will have the option to receive promotional emails including Just For You Perks and Additional Benefits exclusive to Members, along with news, events, promotions and benefits related to the Program or to London Drugs generally. You can unsubscribe from these promotional emails at any time. We strongly encourage Members to opt-in to receive such emails in order to enjoy the full benefits of Program membership.  These may differ from emails or e-newsletters you otherwise receive from London Drugs, which you can separately opt out of. Note that even if you do not opt-in for promotional Program emails, Members will still receive some emails necessary for the administration and management of the Program and your LDExtras account, including emails concerned with Rewards you have earned, Program notices and status updates. If you do not wish to receive any emails relating to the Program, you will need to terminate your membership in the Program.

Personal information is collected from Members in connection with the Program in the following ways: (i) information voluntarily provided by Members, such as when you register to become a Program member as set out above; and (ii) when a Member uses his or her member identifier number (usually their phone number) to make a purchase at a London Drugs store or online at www.londondrugs.com, certain transaction data is collected and will form part of that Member’s profile. Transaction data collected may include without limit: date/time/location/value/products and type of purchase. Transaction data is used to accrue Points for Members and for the stated Purposes.

Under strict conditions and safeguards, London Drugs may allow access to Member information to trusted vendors, partners and service providers to further the Purposes. 

De-identified, anonymized or aggregated data of members may be used by London Drugs and accessed by trusted partners for analytic purposes; to better understand customer behavior and preferences; to improve how London Drugs merchandises and promotes products; to measure success of promotional offers and events; and to create more meaningful shopping experiences, offers, marketing and promotional events for customers.

Through the use of online automatic data tracking technologies, we may share or use non personally identifiable information about LDExtras members and Website users with third party service and advertising providers, to serve up relevant online interest based ads (OBA) through their advertising platforms.  

London Drugs may use information in a de-identified manner that LDExtras members have voluntarily provided to us (such as email address, phone number, name, city or postal code) with social networking platforms we work with, like Google and Facebook, to create custom audiences for OBA. No personal information is transferred from London Drugs to the social networking platforms; instead unique hashed values are produced that these platforms can match to information their own users have provided directly to them. The platform can then create custom audiences to serve ads for OBA purposes. London Drugs does not know the identity of any individuals included in custom audiences created for OBA on social networking platforms. Please see our Cookie Notice for more information on tracking tech used and OBA.

To manage or change your LDExtras account information or to change your communication preferences (including opting out of promotional Program emails), please go to your account preferences at www.ldextras.com.

To terminate your LDExtras membership and close your account, please telephone 1-888-991-2299 or email your request to: customercare@ldextras.com. Verification of identity may be required.  Any Points in your account at the time you terminate your Membership will be immediately forfeited, and you will no longer have any rights as a Member or entitlement to any Points, Rewards, Just for You Perks or Additional Benefits under the Program. Your account information will be deleted or de-identified or anonymized (to standard required by applicable laws) and no longer accessible by yourself or London Drugs.

For more information on the Program, please go to www.ldextras.com.

Push Notifications on Mobile Apps
Where any mobile applications provided by London Drugs (including our LDExtras App or RX App) (“mobile app”) allow for the delivery of "push notifications" or texts, you may expressly opt in to receive such notifications when you register for our mobile app or subsequently through the settings found either within our mobile app or on your mobile device. You may withdraw your consent for push notifications at any time by toggling off the "notifications" switch within the settings of our mobile app or by locating our mobile app in the settings of your mobile device and unclicking or unchecking notifications.

Our Websites
All references to our ”Website” or “Websites” in this Policy include all websites owned and operated by London Drugs Limited, including without limit: www.londondrugs.com (including photolab.londondrugs.com and pharmacy.londondrugs.com), www.ldinsurance.ca, www.ldhealth.com, www.ldextras.com and www.prolabcanada.ca. Specific privacy policies, terms of use and information related to these websites may be found on each of those sites.

Live Chat – At your option, you can message and live chat digitally with London Drugs through our website. The chats are monitored and recorded with the assistance of our service provider. This allows you to print or request a transcript of the chat by email for easy reference to products, services or other information provided during the chat.

Automated online tracking - Like most websites, London Drugs directly or via trusted service providers, may track certain Website usage information in a manner which does not personally identify you. Such information may include use of Websites (such as geolocation, web pages visited, time on each page), services, software, browser type and history, meta data, operational meta data, and other related information such as IP addresses and types of device used. Such information may be used to analyze trends, administer the services, track users' movement for analytics, including purchasing and online behavior and activities, and gather broad demographic information for aggregate use, as well as to help improve the content, administration and delivery of services and understand how our customers prefer to use our services. We may use various forms of technology to achieve this, including cookies, javascript tags and pixels. Please see our Cookie Notice for more information.

Disclosure to and from third party service providers
London Drugs uses third party service providers to assist in delivering, managing and improving various aspects of our business operations, including the operation of our website and the services we provide to our valued customers.

In some cases, London Drugs needs to share customer personal information with its service providers. Some examples of the type of situations where this may occur are set out elsewhere in this policy and include (but are not limited to): to provide you with products and services you have requested; to operate and maintain our websites and online and ecommerce activities; to facilitate product warranty, repair, return, recall and customer service requests or issues; for order fulfillment purposes; to send requested marketing communications; to enable financial and credit card transactions; to administer our LDExtras Program; to provide enhanced product recommendations and services while online; to enable digital communication with you through chat, messaging and other methods; to verify and validate information that you have provided and for fraud prevention; and to transmit, process or host certain photofinishing services.

Whenever London Drugs shares personal information with third party service providers, we use contractual and other appropriate means to help ensure your personal information is used in a manner consistent with this Privacy Policy and applicable laws. If you do not wish us to provide your personal information to a service provider we may be unable to process the transaction or provide our services to you.

In some cases, our service providers or their servers are located in jurisdictions outside of Canada. Where personal information is provided by London Drugs to such a service provider, your information may then be stored or processed outside of Canada, including the United States. Service providers located outside of Canada may be required to disclose personal information to law enforcement or regulatory authorities under the laws of their jurisdiction.

General
All the information you provide to us is securely maintained and is kept strictly confidential to a level appropriate to the level of sensitivity of the information. We use a variety of security measures such as restricting employee access to files, data centers, and using locked file cabinets. In addition we make use of electronic security measures such as passwords, personal ID numbers and data encryption as appropriate.

Employees must conform to London Drugs Privacy Code and observe the highest standards of confidentiality. We subscribe to the general principle that only those employees that need to know the information in order to provide you services have access to your information.

Where the word “including” is used in this policy, it means “including but not limited to” and is not intended to be an exhaustive listing.

London Drugs may disclose your information as permitted or required by law: Examples of this include:

Security
We work very hard to protect the security and privacy of any personal information you provide on all of our Websites. Please see our Security Policy for further details.

Cookies and other Computer Information
See our Cookie Notice for more information about how we use cookies and other tracking technology on our Websites.

When is my information removed?
We keep your personal information on file as long as we need it to provide you with a service and to meet legal requirements. When it is no longer needed we destroy the information or render it anonymous. Should you desire, you can contact our Chief Privacy Officer and request that we remove your information from our records. We will make every reasonable effort to honour your request, however, we may retain some information you have requested to remove to prevent fraud, collect moneys owed, resolve disputes, and to comply with federal and provincial legal requirements.

Changes to our Privacy Policy
Our business constantly changes to meet the needs of our customers and as a result our policies and procedures pertaining to privacy and security are also subject to change. We reserve the right at any time to change, update, add or remove any of our practices, policies and procedures which relate to privacy, at any time without prior notice. It is your responsibility to periodically check this Privacy Policy, as well as our other online terms and policies for changes, which shall be effective as of their date of posting.

Chief Privacy Officer
London Drugs has appointed a senior member of their management group to the role of Chief Privacy Officer. It is this person's role to ensure that London Drugs meets our customers' expectations surrounding privacy. If you have questions or concerns regarding London Drugs Privacy Policy please contact us:

By mail:
Chief Privacy Officer
London Drugs Limited
12831 Horseshoe Place, Richmond, BC V7A 4X5

By phone:
Monday to Friday [except holidays] 8:30 a.m. to 5:00 p.m. PST Phone: (604) 448-1055
Or toll free 1 (866) 805-8283 (within Canada)
Fax: (604) 272-4623

By e-mail:
privacy@londondrugs.com


Other Privacy Resources on the Web

The Office of the Information and Privacy Commissioner for British Columbia
www.oipc.bc.ca

The Office of the Information and Privacy Commissioner of Alberta
www.oipc.ab.ca

Office of the Privacy Commissioner of Canada
www.priv.gc.ca

How can I access my information?
You may access and verify your information and find out to whom we have disclosed it to at any time by contacting us at privacy@londondrugs.com. There may be a nominal cost for this service. At the time of your request, we will need specific information from you to verify your identity before we can provide you with the requested information.


Upon receiving such a request, London Drugs will:

There may be instances when we will not be able to provide you with access to all of the Personal Information that you have requested. Examples are if the information:

You may also contact our Chief Privacy Officer at any time to let us know that you do not wish to receive any further communication from us or to ask us to change your preferences regarding how we use or disclose your information.

If you have a complaint or a question for us
We are committed to setting the highest customer service standard within the retail industry. We hope you give us the opportunity to correct any situation that does not meet your expectations. If you have any concerns about privacy, confidentiality or our policies and procedures we want to know about it. All inquiries relating to personal information will receive prompt attention and be acknowledged within 5 business days.


It's all about trust
We will continuously assess ourselves to ensure that customer privacy is respected. We will conduct our business in a manner that meets the expectations of our customers in the many communities in which we do business.