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How we can use your personal information
Legal compliance and security
We must use your information to comply with laws, regulations, and industry rules. We must also use it to prevent and investigate crime.
Tax reporting and assessing eligibility for credit
We must use your Social Insurance Number (SIN) to report any interest or other investment income you earn under your products or services. The Income Tax Act (Canada) requires us to do this. When you provide us with your SIN, we may use it to help identify you. We may also use it to keep your information separate from other customers with a similar name. This includes through the credit granting process.
You may choose not to have us use your SIN to help identify you with credit bureaus. Just contact us by phone 1-866-222-3456 or visit any branch to select this option. For TD Auto Finance contact us by phone 1-866-694-4392.
Complying with sanctions and financial crime laws
We must use your information to comply with financial crime laws, anti-money laundering laws and sanction laws.
We must also use your information to check whether you are a politically exposed person (as defined by law). We may also use public information to see if you are a politically exposed person. For example, commercial databases, or credit reports.
Preventing fraud and other crimes
We use your information to prevent, detect or suppress financial abuse, fraud, criminal activity, and security risks.
We also use your information to assist us with any internal or external investigation into potentially illegal, fraudulent, or suspicious activity, manage, defend or settle any actual or potential loss, and protect our assets and interests.
In order to do these things, we may share your information with any person or organization, including any fraud prevention agency, regulatory or government body, the operator of any database or registry used to check information provided against existing information, and any entities engaged in the insurance or financial lending business.
When we do share your information for these purposes, we may sometimes pool your information with data belonging to other individuals.
Other regulatory compliance
We will use your information to comply with all laws and regulations. We will also use it to comply with the rules, demands, and guidance from regulators. This includes self-regulatory organizations.