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Collecting, sharing, disclosing and protecting your personal information
Providing our products and services to you
We may disclose your information to third parties, including to credit bureaus, payment networks and others. We disclose to these parties to help us deliver the products and services you request and to manage our business and risks. We don't sell or rent your information.
We may disclose your information
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To people or organizations with your direction or with your consent. For example, disclosing your account information to a joint account holder, including information about the account prior to it becoming a joint account.
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To payment card networks so that they can operate the payment system that supports your product or service with us, develop and make products and services available to you that relate to your product or service with us, support any contests or other promotions they may make available to you, update your card information with merchants who bill you on a recurring basis, use some of your information for their own research and analysis.
Please review the privacy policies of the third parties relevant to your products. For example, Visa or Mastercard payment networks.
You may opt out of having your pre-authorized payment information automatically updated with merchants. Please contact us at 1-866-222-3456 or visit any branch to make this choice.
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To anyone we make arrangements with to offer you a co-branded service. We call these entities our "brand relationships". We will disclose your information to them only if you apply for or use a co-branded service that we offer. For example, a payment card with loyalty program benefits. We disclose your information to our brand relationships for several reasons, such as to see if you are eligible for the co-branded product or service, set up the co-branded product or service, administer, analyze and market the co-branded service, including awarding any points or rewards. This includes analyzing and developing new benefits.
The information that we disclose to brand relationships may include transactions on your co-branded product, contact information and date of birth. It may also include any other information that is necessary or relevant to support the co-branded program.
Our brand relationships will collect and use your information as set out in the terms and policies of their programs.
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To merchants, dealers, appraisers, insurers, tax authorities, lenders and others involved in the sale or leasing of property to you that is being financed by TD.
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For insurance products, to health-care professionals, medically-related facilities, insurance companies (including prospective insurers and reinsurers) and their administrators and service providers, organizations who manage public information data banks, or insurance information bureaus, including the MIB, LLC (applies to health and life insurance). and the Insurance Bureau of Canada, to allow them to properly answer questions when providing us with information about you.
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To mortgage default insurers. We will disclose to them when you apply for or obtain products that have mortgage default insurance. For example, mortgages and home equity lines of credit. These insurers may also obtain your information from other sources, including credit bureaus. These insurers may use your information for any purpose related to the credit product and insurance.
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We may assign (sell) or securitize part or all of your mortgage loan or credit card and the collateral charge to someone else. If we do, we can disclose your information to the participating organizations and those listed below. We will only disclose for the purposes related to the assignment or securitization. The persons we may disclose to includes: auditors, credit bureaus, creditors,financial institutions, issuers, underwriters, insurers, proposed purchasers, advisers, governmental authorities, your past and present employers or any other reference you have given us.
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In connection with credit products, to credit bureaus and other lenders. We may disclose your information at the time of and during the application process, and on an ongoing basis. We do this to: assess your eligibility and creditworthiness, establish credit and hold limits, help us collect a debt or enforce an obligation you owe us, manage and assess our risks.
Once you have a credit product with us, we may continue to disclose your information to other lenders and credit bureaus. We may keep doing this for a certain period of time after your credit facility ends. This helps establish your credit history. It also supports the credit granting process in general.
Once you have applied for any credit product with us, you may not withdraw your consent to this exchange of your information with the credit bureaus. You can see or correct your information contained in your credit bureau file. To do so, contact the reporting agencies directly. Here are the links to their websites www.consumer.equifax.ca and www.transunion.ca.
Managing our business, risks and legal compliance
We will disclose your information to third parties to manage our business and legal obligations. For example, when we sell all or a part of a business or assets. Or when we engage with others to deliver a product or service, collect debts, cooperate with estate and bankruptcy trustees or prevent fraud or investigate misconduct.
We may disclose your information when we enter into a business transaction. Examples include when we:
- buy or sell all or part of our business or assets
- securitize assets
- assign or grant a participation in all or part of a credit facility, lease, or other asset
- consider any of those transactions
If we sell assets involving your information, the purchaser may be permitted or required by law to retain your information. We require parties entering into a business transaction with us to keep your information confidential.
We may sell your debt to a third party. If we do, we may disclose your information needed to allow that third party to securitize and/or collect the debt.
We may release any information regarding a joint account that has a right of survivorship, when a joint account holder dies. We may disclose to the estate representative all account information up to the date of death. However, if the account is in Quebec, we may disclose to the liquidator all account information up to and after the date of death. We may provide any of your information to your estate or bankruptcy trustee as required by law.
We may disclose your information in order to:
- prevent, detect or suppress financial abuse, fraud, and criminal activity
- protect our assets and interests
- investigate potentially illegal or suspicious activity
- manage, defend or settle any actual or potential loss
To do so, we may disclose your information, individually or pooled with other people’s information, to any:
- person or organization
- investigative body
- fraud prevention agency
- regulatory or government body
- person who operates a database or registry used to check or verify your information
- insurance companies or financial or lending institutions
We may disclose your information to law enforcement, government authorities or their agents in emergencies. This would arise if we think there is imminent danger to the life, health or security of an individual.
We may disclose your information if we think you might be a victim of fraud, financial abuse or other illegal activity. We may disclose it to:
- law enforcement, government authorities or their agents
- other financial institutions or organizations
- a family member
- Trusted Contact Person
- your legal representative
We may also disclose your information, including your health information, to your Trusted Contact Person. We may do this where we believe you exhibit signs of diminished mental capacity that may affect your ability to make financial decisions. We may also do this if we are unable to contact you or your legal representative.
Court orders, regulatory demands and other legal compliance
We will disclose your information to third parties where the law requires us to do so. For example, to comply with court orders or legal and regulatory obligations. We may also disclose your information to third parties where the law permits us to do so.
For example, we disclose your information to:
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Canadian and international tax authorities to report revenue
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Regulators, courts, law enforcement and other organizations to respond to requests that we believe to be valid. For example, a court order, search warrant or other demand or request
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Regulators and self-regulatory organizations to comply with legal and regulatory requirements that apply to us
We may disclose your medical information to public health authorities. For example, we may disclose your lab results if they show infectious diseases. We may learn this information in connection with our insurance products.
Sometimes we need to comply with legal obligations that apply to you or us outside Canada. For example, you may hold securities issued by an issuer in the European Union. If you do, regulations in the European Union may require us to disclose your contact and holdings information to the issuer.