Gentlefolk, The following is in light-grey small print on the back of the current Royal Bank Visa Gold card application. It appears to be an attempt to end-run privacy legislation. The net is that using your Gold Card gives the Royal Bank, and anyone else it chooses to share information with, permission to do what it wants with any information about you that it has, has ever had, or ever will have; even if you are no longer a client. It is worth the read. ... I will comply with the Cardholder Agreement you will send to me when you issue, renew or replace my card. If I sign, use or accept my card, it will mean that I have received and read the agreement. It will also mean that I have understood and agreed with you to everything written there. You may collect credit and other financially-related information about me (Information) from me, from credit bureaux and from other parties. You may use information as follows: - You may give it to credit bureaux and other parties who have or may have financial or other business dealings with me: - You may use it to determine my financial situation; - You may use it for any purpose related to the provision to me of services I request from you. You may also give it to anyone who works with or for you, but only as needed for the provision of those services; - You may use it to promote your services to me. You may also add it to client lists you prepare and use for this purpose; and - You may share it with your affiliates (where the law allows this), in the form of client lists or otherwise, so that they may promote their services to me. If I have ever given you my social insurance number, you may treat it as information and use it as an aid to identify me with credit bureaux and other parties. Even if I am no longer your client, you may keep Information in your records and use it for the purposes noted above. If a co-applicant signs this Application, they also agree and consent to everything written here and in the Cardholder Agreement. .... At the bottom of the page, in bold black letters, for comic relief, are the words "RESPECTING YOUR PRIVACY IS IMPORTANT TO US". Cheers, Marc --- Marc Thibault | Any warming, global Automation Architect | or otherwise, is Oxford Mills, Ontario, Canada | welcome. -----BEGIN PGP PUBLIC KEY BLOCK----- Version: 2.3a mQA9AiyT2YcAAAEBgKVboQejsR2t2U70HoWOXTIqlWUCRGkTht8Yn/4kuzWby/e3 Z9tT8RHJbAx9us7QZwAFEbQdVGFuZGEgTWFpbCA8bWFyY0B0YW5kYS5vbi5jYT4= =aFhG -----END PGP PUBLIC KEY BLOCK-----