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Current as of July 15, 2019

Five Ravens is committed to protecting the privacy of our customers’ information. The purpose of this policy is to describe the ways in which we collect, hold, use and disclose personal information.

We may vary this policy from time to time.

How do we collect personal information?

We only collect information that is relevant to our business relationship with you. This information is received directly from you or from other sources who you have approved giving us information.

If we collect personal information from someone else, we will take reasonable steps to ensure that you:

  • have been informed that we have collected that information;
  • understand the purposes for which we have collected that information;
  • and are aware how we might use that information or disclose it to other people.

It is possible that your telephone calls to us may be monitored or recorded which we do for internal training purposes.

What personal information do we collect?

The personal information we collect may include:

  • name and contact details;
  • personal details (which might include date of birth and drivers licence details);
  • bank account details;
  • financial information, including details in relation to your income and expenditure);
  • social media information; and
  • other information we require to provide our products and services.

We will not collect any sensitive information such as health information from you.

Why do we collect personal information and how do we use it?

We collect personal information for one or more of the following purposes:

  • to provide products and services to you;
  • managing our business relationship with you;
  • researching and planning for improvement of our products and services;
  • and to comply with our legal and regulatory responsibilities.

If we require personal information about you for a specific purpose that is not obvious, we will let you know that purpose at the time the information is collected.

When might we disclose personal information?

We may disclose personal information about you to achieve the same purpose for which it was collected.

Apart from the purposes above we do not give your information to any other person or company outside our subsidiary companies.

We might also disclose personal information about you:

  • within our corporate group and subsidiary companies;
  • on a confidential basis to external service providers;
  • if we are otherwise permitted or required to do so by law;
  • to other organisations (unless you tell us not to) and their agents for the marketing of their products and services; or
  • in other circumstances where you have first consented to the disclosure.

Website traffic information

Because of the way web communication standards work, when you arrive at or leave the Five Ravens websites, we automatically receive the web address of the site that you came from or are going to.

We also collect information on which pages of our website you visit while youare on the Five Ravens websites, the type of browser you use and the times you access our websites.

We use this information to try to understand our customers’ preferences better and to manage the load on our servers, so as to improve our service and your experience with Five Ravens.

Our use of “cookies”

“Cookies” are small files of data that reside on your computer and allow us to recognise you as a Five Ravens customer if you return to the Five Ravens site using the same computer and browser or otherwise use the Five Ravens Services.

We send a “session cookie” to your computer if and when you log in to your Five Ravens account by entering your email address and password. We use these cookies to recognize you if you visit multiple pages in our site during the same session, so that you don’t need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.

We also use longerlasting cookies to display your email address on our sign-in form so you don’t have to retype the email address each time you log in to your Five Ravens account or otherwise use the Five Ravens Services.

Our cookie files are encoded so that your email address and other information can only be interpreted by Five Ravens. We may, however, share cookie information with certain merchants with whom we have an official co-marketing relationship regarding whether a user identified by the merchant is already registered with Five Ravens.

We and our service providers also use cookies to customise our services, content and advertising; measure promotional effectiveness, and promote trust and safety. You may encounter cookies from other businesses when using the Five Ravens Services on websites we do not control. For example, if you view a web page created by someone else or use an application developed by another business, there may be a cookie placed by that web page or application.

Storing and retaining personal information

We store personal information in electronic or hardcopy form (or both) and use industry standard levels of security to prevent unauthorised access.

Personal information is only accessible to our staff or to authorised service providers with incidental access to supply their services to us.

We do not retain any of your information longer than is required for the business relationship with you or for legal purposes. When we are informed, we will keep the personal information we hold accurate, complete and up to date.

Five Ravens does not disclose personal information to overseas recipients.

Sensitive information

Five Ravens does not collect sensitive information relating to your health, political or religious beliefs, ethnic background or sexual preferences.


Where it is lawful and practicable Five Ravens endeavours to deidentify information collected about you.


Five Ravens does not use identifiers assigned by the Commonwealth Government agencies (for example: tax file number) to identify any individual.


We may use your personal information from time to time to inform you about our current and future products and services including contacting you by telephone, email, SMS or post.

You can request that you do not receive direct marketing communications by contacting us directly by email at or by simply clicking “unsubscribe” any emails you may receive.

Access and correction

We invite you to update and keep current any personal information you thinkwe may hold about you. To do this, or to simply find out what personal information we currently hold, please contact us at the address below.

If you wish to access the personal information that we hold about you, we may charge a small fee to cover our costs of supplying that information. We will inform you of this cost at the time you make a request.

If you believe any personal information held by us is inaccurate or out of date you will be given the opportunity to update that personal information.

Queries and complaints

We are committed to this privacy policy for handling personal information and so, if you have any query or complaint in relation to the way in which wecollect, use or disclose personal information, please contact us. We will use our best efforts to respond to your query or request as quickly as reasonably possible.

For the avoidance of doubt, this policy does not apply to Five Ravens employee records.

If you like more information about our Privacy Policy, or in relation to the information we hold, please contact:

By mail:
Five Ravens
1 Spinel Place, Whitehorse, Yukon, Canada Y1A 6A6

By email:

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