A1. SUMMARY OF THE TEN PRINCIPLES OF PIPEDA
The following points briefly summarize the principles set by the PIPEDA
1. AccountabilityAn organization is solely to be held responsible for the information undertaken its control. An employee must be appointed to be held accountable for its compliance with regards to all the fair means of availing information.
2. Identifying PurposesThe purpose(s) behind the collection of the asked information must be clearly revealed and identified by the organization prior to or at the time of collection of information.
3. ConsentNo information of any individual must be obtained, transferred or used by the organization without the prior knowledge of that individual.
4. Limiting CollectionAny personal information must be collected by fair and lawful means and be limited only to that which is needed and required by the organization for its working.
5. Limiting Use, Disclosure, and RetentionAs long as the individual does not consent, or the legal process does not require, no information collected of any individual by the organization must be disclosed except for the purpose for which it was collected.
6. AccuracyPersonal information must be accurate, full and updated as much as essentially required for the purpose of satisfaction of what it is to be used.
7. SafeguardsAll Personal information need be safeguarded by appropriate and required security in accordance to the sensitivity of the information provided.
10. Challenging ComplianceAn individual has the right to challenge the organization’s compliance with the principles as mentioned above. The challenged terms must be confronted to the person held accountable by the organization for its compliance with the PIPEDA, usually the Chief Privacy Officer.
A2. Definitions“Personal Information” refers to any information related to an identifiable person or individual. It extends to, without boundaries, knowledge relating to nationality, identification, age, residential address, gender, phone number, Date of Birth, E-Mail Address, Martial Status, Education, Employment, Social insurance number, Health History, assets, payment records, liabilities, credit records, loan records, income and other information with regards to financial transactions and personal opinions and views of that individual. This list does not include name, title, company address or telephone number of a person or employee of an organization.
“Business Information” identifies as the name, address, telephone number, name(s) of owner(s), officer(s) and director(s), job titles, registration numbers (GST, RST, Source deductions), financial information such as credit card and bank account information of that business. Even though business information is not under the sovereignty of the PIPEDA, its confidentiality will yet be treated with the same security measures by UTRADE staff, members and board members, as necessary for individual personal information under PIPEDA.
“Client” is defined as the business applicable to or approved for a loan including just proprietorship and individuals holing on to the business in alliance.
“Individual” refers to the client’s owners or shareholders, going all the way to the co- signers, or any guarantor associated with a client.
“App” refers to the mobile app for drivers associated with UTRADE.
“Application” refers to the application form or forms related which have been completed by the individual(s) to request sponsoring finance for the client through UTRADE, and or its division.
“Database” includes the list of names, telephone numbers and addresses of clients and individuals held by UTRADE in forms of which extend to but are not bound to computer files, paper files, and files on computer hard drives and that may be at least party in the Software or the App.
“File” refers to the information data assembled in the course of processing an application, along with the information collected/updated to maintain the account.
“Express consent” refers to the individual signs and the application, or other forms including Personal information, authorizing UTRADE, and its sections to assemble, use and reveal the individual’s Personal information for the intention established in the application or forms.
“Implied Consent” means the organization may adopt that the individual gives consent to the details being used, retained and revealed for the intended purposes, unless notified by the individual.
“Software” refers to the software UTRADE utilizes to operate its business and functioning.
“Third Party” refers to an individual or company that offers services to UTRADE in support of the programs, profits and other services presented by UTRADE such as other creditors, credit bureaus, people with whom the individual or client involved in business, but not include any government office or department to whom CHARGER reports in the distribution of such programs, profits or facilities.
B. Purposes of Collecting Personal InformationOur organization may assemble Personal Information and Business information that is applicable to the intention of offering services to our clients and service givers, securing our websites, meeting our legal requirements, promotion, propagation and marketing of our services and, in certain cases, the products and facilities of our clients and investigating and developing new products, services and ways to improve our provisions, business or websites. Concentrated towards, but not limited to the generality of the previous paragraph, we assemble, put into usage and reveal personal information and business information for the following intentions; to identify you, to regulate your adaptability inclusive of credit worthiness and background checks as a supplier or customer of UTRADE including as a driver, carrier or customer, to know your necessities and suitability for products and facilities, to give you such products and facilities, to safeguard you and the organization from fraud and error, to endorse specific products and facilities to meet your requirements, to bestow and be updated on trending products and service, to answer to regulatory and state requests (for example, Industry Canada) and to show compliance with legal and regulatory requirements. Such intentions are inclusive of operation of the App and Software, which may assist in accomplishment of the intentions. Personal Information and Business data may be moved, seen, processed or kept in the US for the intention described above. Legal necessities in the US implemented on us or our subsidiaries, associates, agents, intercedes and other third parties functioning on their or our behalf may consist an obligation to reveal Personal Information to government authorities abroad.
D. Limiting Collection
E. Limiting Use, Disclosure and Retention
Overall, we may use or reveal your Personal information only in relation to the intentions rectified in this Policy. In relation to such identified purposes, we may give employment to third parties to process Personal information or perform tasks from our side, including website, App and Software licensors and hosting associates and other parties who assist us in functioning.
E1. Use of Personal InformationPersonal details will be utilized only for those purposes to which the individual had agreed to the following exceptions as covered by the PIPEDA: UTRADE will use personal information, without the individual’s consent where- • The organization has realistic reasons to assume the data could be important when investigating infringement of a federal, provincial or foreign law and the data is used for the purpose of that investigation. • An existing emergency which poses a threat on an individual’s life, health or security. • The data is for calculative study or research. • The data is available to the public. • The use is evident in the individual’s interest, and permission is unavailable in a timely manner. • Information and consent would compromise the accessibility or accuracy of the data and • Assembly is required to investigate a violation of an agreement.
E2. Disclosure and Transfer of Personal Information
E3. Retention of Personal Information
Personal information will be kept in client files till the use for which it was assembled is active and for such periods of time as may be agreed by appropriate laws and regulations. Personal Information consisting in an inactive file will be kept for a period of seven (7) years, with the exception of cases where UTRADE has actively denied the intended usage of Personal information. Where an intended use has been rejected, the file and all Private information contained in the file will be kept for a period of two (2) years.
F. AccuracyUTRADE intends to make sure that any personal information given by the individual in their active file(s) is precise, current and full as is required to complete the purposes for which the data has been collected, used, retained and revealed. Individuals are demanded to inform UTRADE of any difference in private or Business information. Information controlled in inactive files in not restructured.
I. Individual Access
In case an individual has an apprehension about UTRADE’s Personal information dealing practices, a written complaint may be directed to UTRADE’s Chief Privacy Officer. On verification of the individual’s identity, UTRADE’s Chief privacy Officer will act fast to look out for the complaint and provide a written report of the findings of the investigation to that individual. Where UTRADE’s Chief Privacy Officer is determined to that individual’s complaint which is well informed, the Chief Privacy Officer will take the necessary steps to accurize the concerned information dealing practice and revisit UTRADE’s privacy policies and procedures. Where UTRADE’s Chief privacy Officer is determined that the individual’s complaint is not well informed, the individual will be given a written notification of the same. In case the individual is unsatisfied with the investigation and result followed by the course taken by UTRADE’s Chief Privacy Officer, the individual may bring a complaint to the Federal Privacy Commissioner at the given below address:
The Privacy Commissioner of Canada,
Email address: www.privcom.gc.ca.
112 Kent Street,
Ontario K1A 1H3
25 Production Road,
Brampton, ON L6T 4N8,
Amendment to UTRADE’s Privacy Policies
Additional Terms and Conditions
Despite the fact that we take the security measures given out herein to safeguard your privacy and secrecy, we cannot guarantee the privacy of your Personal data or company information. E-mails or forms set through the internet are neither confidential nor secure and can be spectated and modernized by third parties. UTRADE will not be accountable for compensations arising from notifications sent to it through unsecured e-mail or other messages electronically sent (SMS, etc.)
Monetary dealings may be administered via a payment provider and the App or Software. Such monetary dealings may comprise Personal information and Business information. Third parties may contact, process and maintain Personal information or business information as may be necessary to process dealings.
UTRADE is in compliance with the Canada Anti-Spam Law in regards to all profitable electronic letters we send out. At any time if you would like to unsubscribe from getting forthcoming emails, you can email us at ____________ and we will punctually eliminate you from EVERY communication.
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What are the Basic steps to Importing ?
Importing is often thought to be easier than exporting and perhaps in \n Some ways it is but there are many traps for the unwary and inexperienced. \n It is important that you understand the basic steps: \n BEFORE thinking about placing an order on your overseas supplier\ remember that you do not have to be an expert in all facets of importing. Professional advice is available from your Customs Broker or Forwarding Agent or the Chamber of Commerce and Industry. \n A useful way of gaining an insight into the processes involved in importing is to attend the International Trade (Import/Export) Course put on periodically by the College of International Business.
Why Import ?
There are numerous reasons for importing goods. Perhaps you need to import a piece of capital machinery to be used in your company\\s operations\ or perhaps the imported goods are components or inputs to be used in a manufacturing process. \n The most common reason is to import for resale [and this is the side of importing we will concentrate on]. \n Whatever the reason, it is important that you accurately determine the landed cost\ i.e. the cost of the goods delivered to your warehouse\ before you place an order. \n The list price of a product in Taiwan or Argentina for example may seem unbelievably cheap\ but with on-costs [e.g. freight\ insurance\ import duty\Gst tax\ bank charges\ interest\ etc.] the product might not be competitive on the Pakistani market\ even before allowing for your profit margin. \n It is important that you do your homework first. Having a firm idea that there is a real potential market in Pakistan for the type of products you wish to import
Why should I insure my cargo?
We take every care to ensure the safe handling and transportation of your consignment. However\ we recommend insurance because there is always a risk of unforseen circumstances damaging your goods [e.g. fire or theft]. Our question to you is\ "Can you afford not to insure your consignment?" \n It is the responsibility of overseas importers to insure consignments when the shipment is on a Free On Board [FOB] or Cost and Freight [CFR] basis. It is the exporters obligation to arrange insurance in CIF/CIP contracts. Banks providing documentary credit will usually want insurance on at least the CFR value of the goods.