Privacy Policy

Privacy Policy

We are committed to protecting your privacy. Our privacy policy provides an overview of how we collect, use and disclose the personal information of our clients. “Personal Information” means any information about an identifiable individual. We recognize the importance of privacy and the sensitivity of personal information received by us in the course of our business. This policy has been developed with those obligations in mind.

Our Need for Personal Information

In order to be able to assist our clients, we need access to all relevant facts and information that relate to the financial situation of our clients. This information will necessarily include personal information about our clients and about individuals other than our clients.

Consent

We do not, except where otherwise permitted by law, collect, use or disclose personal information unless the client is aware of the purposes for which the information will be used or disclosed, and has given his or her consent to such use or disclosure.

Collection

Where practical, we endeavor to collect personal information directly from the person to whom the information relates. When necessary, we will collect personal information from other sources. We limit our collection of personal information to include only what is necessary to assist our clients. In the course of providing services to you we will be required, in certain circumstances, to obtain information or assets from third parties, for example credit checking organizations.

Use and Disclosure

We limit our use of personal information to those purposes which have been disclosed to our clients, or for purposes which are otherwise permitted by law. We use and disclose personal information in compliance with all applicable federal and provincial privacy legislation.

• Specifically, we use and disclose personal information in the following circumstances:
  If we discuss an informal proposal with some or all of your creditors and collection agencies, we may disclose certain personal and financial information to your creditors and collection agencies. We will disclose to each creditor or collection agency only as much information as is needed to perform our services.
• If you decide to enter into a formal proposal with the assistance of a licensed Trustee, we will provide certain documents containing personal and financial information to the Trustee. The Trustee will file this information with the Office of the Superintendent of Bankruptcy, a federal government agency, to initiate protection for you under the Bankruptcy and Insolvency Act (the “Act”). It will be necessary to notify your creditors of your legal status as a debtor under the provisions of the Act. They will also have access to certain documents, including your Statement of Affairs.

Security of Personal Information

We recognize our obligation to protect the confidential information of our clients. We recognize as well our obligation to protect the personal information we have gathered about our clients and about other individuals as part of providing our services. We have therefore made arrangements to secure that information against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction thereof.

Accuracy and Access

When working with clients we highlight the importance of providing us with accurate and complete information. Our clients can always access the personal information they provide us in compliance with relevant privacy laws.

Retention

We retain your personal information as long as necessary to provide the services that you require and in accordance with relevant legislation.

On-line Privacy

By using our Website or related services, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy. In addition, to any information the consumer may provide, cookies may also be collected. “Cookies” are small text files offered to a user’s computer by web servers in order to keep track of the user’s browser as a website is navigated.

Contacting or Communicating with Us

If you have any questions with respect to our policies concerning the handling of your personal information, or if you wish to request access to, or correction of, your personal information under our care and control, please contact our Privacy Officer at:

If you are dissatisfied with our handling of your personal information, we invite you to contact our Privacy Officer in writing, setting out the reasons for your concern.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time without notice. The Privacy Policy posted at any time or from time to time via this website shall be deemed to be the Privacy Policy then in effect.

Last revised: November 12, 2020