Privacy Policy

KARMALI GROUP INTERNATIONAL INVESTMENTS INC.

PRIVACY POLICY

This version in effect since 07 June 2013

This Policy explains how the Karmali Group International Investments Inc. ("Karmali Group") collects, uses and discloses the personal and non-personal information you may provide while using the Karmali Group website at www.KarmaliGroup.com (the "Website").

1. Your Consent

By using the Website, you signify your consent to the collection, use, and disclosure of your personal information in accordance with this Policy. If you do not consent to the collection, use, and disclosure of your personal information in accordance with this Policy, you may not use the Website.

2. Non-Personal Information Automatically Collected

The Website automatically collects certain non-personal information regarding Website users, such as the date and time they access the Website, the Internet Protocol address of the website from which they linked directly to the Website, the browser they are using, and the Website pages read and the content accessed or downloaded. This non-personal information is used for system administration purposes and to improve the Website. Non-personal information may be disclosed to other persons and permanently archived for future use. If non-personal information is combined with personal information, then the non-personal information will be treated as personal information.

The Website may use "cookies", a technology that installs information on Website user’s computers to permit the Website to recognize future visit using that computer. Cookies enhance the convenience of the Website. For example, the information provided through cookies is used to recognize you as a previous user of the Website, offer personalized content and information for your use, and otherwise facilitate your experience using the Website. You may choose to decline cookies if your browser permits, but doing so may affect your ability to access or use certain features of the Website.

3. Personal Information You Specifically Provide

Your Personal Information and Use: During your use of the Website, you may be asked to voluntarily provide personal information (such as your name, email and postal address) for the purpose of corresponding with you, responding to your inquiries and to administer the Website. Karmali Group may develop a confidential profile for you, which will be used to provide services to you and facilitate your use of the Website. Additionally, Karmali Group may keep a record of all communications with you. To the extent permitted by law, the provisions of this Policy concerning "personal information" do not apply to information (such as your business address, business telephone number, and business email address) that enables you to be contacted at a place of business.

Emails from Karmali Group: If you contact Karmali Group by email or otherwise indicate that you would like to receive email from Karmali Group, Karmali Group may send to you email or other communications containing information Karmali Group believes may interest you. At any time, you may ask Karmali Group to stop sending you email and other information by sending your request to contact@KarmaliGroup.com.

Depersonalized Information: Karmali Group may use your personal information to create non-personal information regarding the use of the Website. Karmali Group may then disclose that non-personal information to other persons and permanently retain that non-personal information for future use.

Disclosure of Your Personal Information by Karmali Group: Karmali Group may disclose your personal information in the following circumstances and as otherwise permitted by applicable law:

( a) Affiliates, Agents, and Service Providers: Karmali Group may provide your personal information to its affiliates, agents, and service providers for use in connection with matters relating to your use of the Website or the provision of products and services to you.

( b) Disclosure for Law Enforcement Purposes: Karmali Group may disclose your personal information to a government institution or agency that has asserted its lawful authority to obtain the information, or where Karmali Group has reasonable grounds to believe the information could be useful in the investigation of unlawful activity, or to comply with a subpoena or warrant or an order made by a court, person or body with jurisdiction to compel the production of information, or to comply with court rules regarding the production of records and information, or to its legal counsel. Karmali Group has no control over, and no responsibility or liability for, those persons’ use and disclosure of your personal information, and that use and disclosure is not subject to this Policy.

Location of Information: Karmali Group will store and process your personal information in Canada. However, the disclosure of your information in accordance with this Policy and applicable law may result in your personal information being transferred outside of Canada, including to the United States. The laws of other countries regarding the collection, use, and disclosure of personal information may be different from the laws of Canada.

Safeguarding Your Information: Karmali Group employs reasonable security safeguards appropriate to the sensitivity of the personal information in its possession or under its control in order to protect that information from unauthorized access, collection, use, disclosure, modification or similar risks. Nevertheless, security risks cannot be eliminated and Karmali Group cannot guarantee that your personal information will not be used or disclosed in ways not otherwise described in this Policy.

Accessing Your Personal Information: You may request access to your personal information and information about Karmali Group’s collection, use and disclosure of that information by sending your request to contact@KarmaliGroup.com. Subject to certain exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information, and will be entitled to challenge the accuracy and completeness of the information and to have it amended as appropriate. You can help Karmali Group maintain the accuracy of your information by notifying Karmali Group of any changes.

4. Other Matters

Other Websites: The Website may contain links to other websites or Internet resources. When you click on one of those links you are contacting another website. Karmali Group has no control over, and no responsibility or liability for, other websites or their collection, use and disclosure of your personal information.

Former users: If you cease using the Website, or your permission to use the Website is terminated, Karmali Group may continue to use and disclose your personal information in accordance with this Policy as amended from time to time.

Policy Changes: To accommodate changes in the Website, changing technology, and legal developments, this Policy may be changed from time to time in Karmali Group’s discretion and without any prior notice or liability to you or any other person. The collection, use, and disclosure of your personal information will be governed by the version of this Policy in effect at that time. New versions of the Policy will be posted on the Website and will be available upon request from Karmali Group. Your continued use of the Website subsequent to any changes to this Policy will signify your consent to the collection, use, and disclosure of your personal information in accordance with the changed Policy. Accordingly, when you use the Website you should check the date of this Policy and review any changes since the last version. You should also bookmark this page and periodically review this Policy to ensure that you are familiar with the most current version.

Contacting Karmali Group’s Privacy Officer: Karmali Group’s Privacy Officer may be contacted by the following methods: (a) by telephone: 416-997-3120; (b) by email: contact@KarmaliGroup.com; or (c) by postal mail to "Privacy Officer" Karmali Group International Investments Inc. 18th Floor, 130 King Street West, Toronto, Ontario, Canada M5X 1E3.

English Language: The parties have expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que ce Politique et tous les documents qui s’y rapportent soient rédigés en anglais.