We will obtain your consent to collect, use or disclose your personal information, except where&nbsp;we are legally authorized or required by law to do so without consent. &nbsp;&nbsp;For example, we may&nbsp;collect, use or disclose your personal information without your knowledge or consent where: </p> <p> 1. The information is publicly available, as defined by statute or regulation. </p> <p> 2. We are obtaining legal advice;&nbsp. </p> <p> 3. We reasonably expect that obtaining consent would compromise an investigation or&nbsp;proceeding. and&nbsp. </p> <p> 4. We are permitted to by law. &nbsp.