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PRIVACY POLICY


RIC is committed to ensuring and protecting the privacy and confidentiality of its clients’ personal information. RIC has therefore adopted this policy to comply with its obligations under current Privacy Legislation. This policy briefly describes how we collect, hold, use and whenever necessary, disclose your personal information. It also summarizes your right to have access to correct the information as necessary. If you have any questions about our privacy policies or your personal information, please e-mail your privacy concerns to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Use of the Internet

Privacy issues, including security and confidentiality of personal information disclosed on or through this web site, are viewed very seriously by RIC. Policies governing the protection of privacy are strictly observed and enforced to ensure the highest standards of protection of privacy and personal information. When you visit this web site, move from page to page, read pages, or download its content onto your computer, the following information may be recorded:

The address you are connecting from

Which pages are visited

What content is downloaded

The address of the web sites that you visited immediately before coming to this web site.

RIC uses this information to find out how many people visit this web site and which sections of the web site are visited most frequently. RIC may use this information to determine what type of information is most useful, improve this web site, address your specific needs, provide better customer service and for general marketing purposes. The information may also be used to provide records of communication between RIC and you, and to comply with any legal and/or regulatory requirements. None of the information collected is associated with any individual. It is measured only in aggregate. RIC records the statistical information on the numbers of visitors to this web site, but no information about individuals in particular is kept or used. Certain RIC employees will be provided with information about a web site visitor in order to serve that visitor's needs and provide the visitor with information regarding specific products. RIC employees are instructed to use strict standards of care in handling the personal, confidential information and the handling of such information is dealt with in RIC's Privacy Code. Non-compliance with this code will result in disciplinary sanctions that may include dismissal.

Client Record and Personal Information

In the course of our business relationship with you, the personal information collected about you is held in a "client record." This information likely includes, at a minimum, your name, address and telephone number(s), birth date, products/account holdings and if applicable, the name address of your spouse or beneficiary. Depending on the type of service you request, additional personal information may be held in your member record. This information was provided to RIC either by you or your representative at the time the information became necessary throughout the service process.

Collecting, Holding, Using and Disclosing Personal Information

RIC may collect; hold and use the personal information in your client record as well as collect personal information from and disclose personal information to the third parties identified below, for the following purposes: identifying you and ensuring the accuracy of information contained in your client record; establishing and administering your record/account, determining, maintaining, recording and storing portfolio/account holdings and transaction information in your client record; executing transactions with or through RIC including transferring funds by electronic or other means; providing you and your financial advisor/dealer with membership account statements, tax receipts, financial statements for your membership, proxy mailings, transaction confirmations and other information that you or your financial advisor/dealer may request to service your account; protecting its own business interests including collecting a debt owed to RIC or allowing the performance of a transaction; meeting legal and regulatory requirements; verifying information previously given by you with any other organization when necessary; advising you of other similar RIC products, services or initiatives that may be of interest to you; and, for any other purpose you and RIC and/or your financial advisor may agree upon from time to time.

Consent

Your knowledge and consent to RIC’s collection, use and disclosure of your personal information is important. We rely on your actions as indications of your consent to our existing and future personal information practices:

Your voluntary provision of personal information directly to RIC or through your financial advisor/dealer;

Your express consent or acknowledgement contained within a written, verbal or electronic application process;

Your consent solicited by RIC (or our agent) for a specified purpose;

Your receipt of this Privacy Policy, until you notify RIC of a withdrawal of your consent; or

Your consent given through your authorized representative such as a legal guardian, agent or holder of a power of attorney.

Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw your consent at any time. If you wish to withdraw consent or discuss the implications of such withdrawal, please contact us through one of the means described in the preface. In some circumstances, legal requirements may prevent you from withholding consent. Your decision to withhold consent may also limit the products and services that RIC is able to provide to you.

Location of Your Client Record

Your client record, whether electronic or paper, is kept at the offices of RIC in Kingston, Jamaica. Paper records forming part of your client record may also be kept in offsite storage. Your client record may be transferred to other locations for disaster recovery purposes.

Right to Access and Correct Your Personal Information

Except in limited circumstances described in the legislation, you are entitled to access, through a written request, the personal information contained in your client record. You may verify this personal information and request that any inaccurate information be corrected. For information on this process, please contact us at RIC (876)920-7379.

Limits on How Long personal information is kept

RIC will only retain your personal information as long as it is necessary, including updating the product or service or as required by law. When we destroy the information, we will use safeguards to prevent unauthorized parties from gaining access to the information during the process.

Safeguards for your personal information

RIC maintains appropriate technical and organization safeguards to protect your personal information against loss, theft, unauthorized access, disclosure, copying, use or modification. If you find that the proposed resolution to your privacy concerns is not adequate, you may avail yourself by contacting: CAREIF REAL ESTATE INVESTMENT CLUB - RIC. Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

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