Closure Privacy Policy

Last updated: March 14, 2025
‍

Closure Liability Management Ltd. ("Closure" or "We") respects your privacy and is committed to protecting it through our adherence to this Privacy Policy.

This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit either: www.closurelm.com or www.praedico.ca (our "Site") or use our web applications ("App") and information collected through automatic collection methods like cookies, beacons and other mechanisms. This Privacy Policy also describes our practices for using, maintaining, protecting, and disclosing that information. Collectively the Site and App are referred to in this Privacy Policy as "the Services".

INTRODUCTION

Except as set forth in this Privacy Policy, your Personal Information will not be used by us for any other purpose without your consent. We do not sell customer lists. You may withdraw your consent to our processing of your Personal Information at any time. However, withdrawing consent may result in your inability to continue using the Services.

LIMITATIONS

This Privacy Policy does not apply to:

• information collected by us through a separate website, app or service (such information is governed by the applicable privacy policy for that site and service);
• information collected by us which is non-personally identifiable information, such as demographic statistics of our users, number of visitors, what pages users access or visit, and average time spent on the Website, business contact information or any personal information which has been anonymized; or
• information collected by any third party, including through any application or content that may link to or be accessible from or on the Site or App.

MINORS

The Services are not intended for persons under 18 years of age and members of the Services must be 18 or older. We do not knowingly collect personal information from persons under 18. If you are under 18, do not use or provide any information on this Site or on or through any of its features/register on the Site or App, make any purchases through the Services, use any of the interactive or public comment features of the Services or provide any information about yourself to us, including your name, address, telephone number, email address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information.

INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT

We collect several types of information from and about users of our Services, including information:

• by which you may be personally identified, such as name, email address, and any other information by which you may be identified, or which is otherwise associated with information by which you be identified ("personal information"); and/or
• that is about you but on its own does not identify you or is not otherwise personal information.

We collect this information:

• Directly from you when you provide it to us; or
• Automatically as you use the App or the Site.

INFORMATION YOU PROVIDE TO US

The information we collect on or through the Services may include:

• Information that you provide by filling in forms on our Site or App. This includes information provided at the time of registering to use our Site or App, subscribing to our service, posting material or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us and when you report a problem with our Site or App.
• Records and copies of your correspondence (including email addresses), if you contact us or if you contact others through the Services (such as through our check-in or messaging functions).
• Your search queries on the Site or App.
• Information you provide to us about other individuals.

INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNOLOGIES

As you navigate through and interact with our Site or App, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, and other usage patterns, including:

• Details of your visits to our Site or App and other communication data and the resources that you access and use on the Site or App.
• Information about your computer and Internet connection, including your IP address, operating system and browser type.
• We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).
• When you access and use the App, we may automatically collect certain details of your access to and use of the App, including traffic data and other communication data and the resources that you access and use on or through the App.

We and our third party service providers may collect information about you in a variety of ways. We and/or our third party partners may employ various tracking technologies, such as cookies and analytics software, that help us better manage content on our Service by informing us what content is effective.

Cookies

When you visit our website or otherwise interact with the Services, we (or third party data or ad networks we work with) may send one or more "cookies" to your computer or other devices. Cookies are alphanumeric identifiers stored on your computer through your web browser and are used by most websites to help personalize your web experience. Some cookies may facilitate additional site features for enhanced performance and functionality such as remembering preferences, allowing social interactions, analyzing usage for site optimization, and providing custom content. Some features on this site will not function if you do not allow cookies. We may link the information we store in cookies to any Personal Information you submit while on our site.

We may use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. Persistent cookies enable us to track and target the interest of our users to enhance the experience on our site. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies, or be given the choice of declining or accepting the transfer to your computer of a particular cookie (or cookies) from a particular site. You may also wish to refer to https://www.allaboutcookies.org/manage-cookies/index.html. If you reject cookies, you may still use our site, but some features on the site will not function properly.

Functional cookies, persistent and session type, store information to enable core site functionality.

Analytics cookies allow us to count page visits and traffic sources so we can measure and improve the performance of our site and our marketing campaigns.

Browser Storage

We use browser local storage to store content information and preferences. Third parties with whom we partner to provide certain features on our website also use cookies or local storage to collect and store information. Various browsers may offer their own management tools for removing local storage.

Do Not Track Signals

At this time we do not respond to browser 'do not track' signals.

HOW WE USE YOUR INFORMATION

We use information that we collect about you or that you provide to us, including any personal information:

• To provide the Services and its contents to you.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account/subscription, including expiration, and renewal notices.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Site or App or any products or services we offer or provide though it.
• To allow you to participate in interactive features on our Site or App.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

DISCLOSURE OF YOUR INFORMATION

We may disclose aggregated information about our users without restriction. We may disclose personal information that we collect or you provide as described in this Privacy Policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business solely for the purpose of them providing services to us.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Closure's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Closure about our Site or App users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your express consent to other uses not indicated in this Privacy Policy.

We may also disclose your personal information:

• To comply with any court order, law or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms of service and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Closure, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

WHERE WE HOST YOUR DATA

We use cloud storage solutions to host your data. This means that we may host your data in Canada and the United States. By using the Services you consent to the hosting of your personal information in either of these jurisdictions.

TRANSFERS OF DATA

We use cloud-hosting service providers to provide hosting to us which means that your personal information may be available to foreign government or its agencies under a lawful order, irrespective of the safeguards we have put in place for the protection of your personal information. As privacy laws vary from jurisdiction to jurisdiction, the privacy laws applicable to the places where your information is transferred to or stored, used or processed in, may be different from the privacy laws applicable to the place where you are resident.

MODIFYING PERSONAL INFORMATION

You can review and change your personal information by logging into the Site or App and visiting your account profile page.

You may also send us an email at sales@closurelm.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

RETENTION

We will keep your personal information for as long as it remains necessary for the identified purpose or as required by law, which may extend beyond the termination of our relationship with you. We may retain certain data as necessary to prevent fraud or future abuse, or for legitimate business purposes, such as analysis of aggregated, non-personally-identifiable data, account recovery, or if required by law. All retained personal information will remain subject to the terms of this privacy policy. If you request that your name be removed from our databases, it may not be possible to completely delete all your personal information due to technological and legal constraints (see further above under Access and Correcting Your Information).

SAFETY AND SECURITY

We use commercially reasonable efforts to store and maintain your Personal Information in a secure environment. We take technical, contractual, administrative, and physical security steps designed to protect Personal Information that you provide to us. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Site or App, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Site or App like message boards. The information you share in public areas may be viewed by any user of the Services.

Unfortunately, the transmission of information via the Internet and mobile platforms is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Site or App. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site or App.

CHANGES TO OUR PRIVACY POLICY

It is our policy to post any changes we make to our Privacy Policy on this page www.closurelm.com/privacy. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Site or App and this Privacy Policy to check for any changes.

CONTACT INFORMATION

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at: sales@closurelm.com.

‍