FAQ/Help
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Online Credit Application
How do I access my online credit application?
When you first signed up for our services you should have received a credit application URL link to send out to your clients. You can also login to your account and click on the PROFILE tab. At the top of this window you should see a link like the following: Simply copy this link and send it out to your potential customers. As always if you have any questions or issues, feel free to contact us.
How do I view entered credit applications?
Once a credit application has been submitted, you will be notified via email. To view the application simply login to your portal, and click on the red application number on the left side of the screen.
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B2B Reports
When I print one of my reports it isn’t formatted correctly. How do I fix this?
Because of the varying printing methods by different browsers, we have decided to make a .pdf version of each report available for you to download. When viewing a report click on the red link at the top right side of the screen entitled “Printable PDF”. To properly view this file format please ensure that you have Adobe Acrobat Reader installed. (It is available free from the Adobe website).
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Security
How is my data protected?
All data is written to multiple disks instantly, backed up daily, and stored in multiple locations. Files that are uploaded to our system are stored on servers that use modern techniques to remove bottlenecks and points of failure (Amazon S3).
Where is my data hosted?
Our application is hosted by EngineYard using Amazon’s EC2 and S3 infrastructures.
How do you ensure that your software is secure?
- Our software infrastructure is updated regularly with the latest security patches.
- All information transfer is secured with a 256 bit AES Certificate.
- All customer account information (i.e. passwords and other sensitive data) are encrypted using up-to-date encryption before being stored in the database.
I don’t know what my password is. How can I get it?
Unfortunately, due to our high security techniques, your password is 100% encrypted in our database. The only way to get your password is to reset it. Simply follow this link and enter your email address to reset your password. Within a few minutes you will receive an email with instructions on how to reset your password. As always if you have any issues or questions please feel free to give us a call.
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PIPEDA
What is PIPEDA?
As of January 1, 2004, the Personal Information Protection and Electronic Documents Act (“PIPEDA”) will regulate the collection, use and disclosure of personal information in the course of commercial activities.
PIPEDA and other pending and existing provincial privacy legislation generally impose two types of obligations: (1) the obligation to obtain prior knowledge and consent to the collection, use and disclosure of personal information, and (2) various administrative obligations with respect to that personal information. The purpose of this summary is to outline how the consent obligations of PIPEDA and the provincial legislation apply to B2B CREDIT CHEX, INC and how B2B CREDIT CHEX, INC is complying with those obligations.
What is “Personal Information”?
“Personal Information” is defined similarly under PIPEDA, the legislation in British Columbia , pending legislation in Alberta and under existing Quebec legislation. In brief, “Personal Information” is ” information about an identifiable individual” or “information that relates to a natural person and allows that person to be identified.”
How does this privacy legislation affect the information you obtain from and/or provide to B2B CREDIT CHEX, INC?
The vast majority of information a company provides to and/or obtains from us is information pertaining to a business and thus does not constitute Personal Information. As such, privacy legislation does not apply to such information whether it be in respect of a corporation, partnership or sole proprietorship. Generally, the legislation requires that those who collect, use and disclose Personal Information obtain an individual’s consent before collecting, using and/or disclosing Personal Information, unless an exemption applies. Therefore, with respect to the information that is provided to and/or obtained from B2B CREDIT CHEX, INC that may be characterized as Personal Information, there are 3 exemptions from the consent requirement which are particularly relevant to the operations of B2B CREDIT CHEX, INC: publicly available information, business contact Information, and employee personal information.
Publicly available information:
B2B CREDIT CHEX, INC periodically discloses to you information from public record sources about the individuals who act as officers and/or directors of businesses on which B2B CREDIT CHEX, INC reports. B2B CREDIT CHEX, INC does not report public record information on an individual if it does not bear on that individual’s ability or capacity for operating the business. In most cases, B2B CREDIT CHEX, INC is permitted to report this information without obtaining the consent of the individual.
Business Contact Information:
B2B CREDIT CHEX, INC, as a commercial business information company, collects from and/or provides to you the business contact information of the individuals who act as officers and/or directors of businesses listed in the B2B CREDIT CHEX, INC database. B2B CREDIT CHEX, INC is not required to obtain the consent of the individual before collecting, using or disclosing that information.
Employee Personal Information:
B2B CREDIT CHEX, INC collects from you and/or discloses to you information about individuals who act as officers and/or directors of businesses. Such officers, and in some cases directors, are considered to be employees. Under PIPEDA, B2B CREDIT CHEX, INC is not required to obtain the consent of the individual before collecting, using or disclosing that information, because employee personal information - other than the personal information of employees of a federal work, undertaking or business - is not regulated by PIPEDA. In British Columbia , Alberta and Quebec , however, while there is an exemption for the collection, use and disclosure of employee personal information, in certain circumstances, that exemption may not be available. In such cases, consent will be obtained.
Consent Obtained
In rare circumstances, you will be providing to us and/or we will be disclosing to you Personal Information to which the above exemptions do not apply. In such circumstances, we will collect Personal Information only from your authorized representative who has the necessary consent to permit the disclosure of such information in accordance with applicable privacy legislation.
Can you supply trade/payment information to us?
As trade/payment information is information which relates to a business and is not information about an identifiable individual, the privacy legislation does not apply and you may continue to provide us with such information whether it be in respect of a corporation, partnership or sole proprietorship.
What are customers required to do?
B2B CREDIT CHEX, INC endeavors to ensure that it complies with all laws, rules and regulations governing the collection, use or disclosure of information, including personal information. As such and as described above, B2B CREDIT CHEX, INC has taken the necessary measures to permit you to continue to provide us with information in compliance with applicable privacy legislation.
Who do I contact if I need more information?
B2B CREDIT CHEX, INC cannot provide legal advice to customers. Legal information should be sought from the customer’s own legal counsel. General questions, however, should be directed to B2B CREDIT CHEX, INC, Privacy officer, Bruno Santia, at 905-829-9777