Privacy Statement

This is Consolidated Credit Counseling Services of Canada Inc.’s (“Consolidated Credit”) privacy policy. This document explains Consolidated Credit’s policies for the collection, use and disclosure of personal information. Consolidated Credit abides by applicable privacy legislation.

Consolidated Credit offers consumer credit counseling services.

THE INFORMATION WE COLLECT

Consolidated Credit collects information by various methods including information actively provided by its clients, and (with consent) credit checks and information arising from our credit counseling services.

The types of personal information we collect include name and contact information, credit information, debt information, income and financial information. We may record calls to or from our staff for purposes of accuracy, performance reviews and training.

HOW WE USE THIS INFORMATION

This information is only used to provide our services to our clients. The client’s contact information may also be used for other internal Consolidated Credit purposes such as sending Consolidated Credit’s newsletters, updates, announcements and other information or to better serve our clients. Clients may opt-out of receiving those by emailing clientservices@consolidatedcredit.ca or click here.

Consolidated Credit may use aggregate or anonymous information which will not be linked to identified individuals for various other uses for itself and third parties.

WHO WE SHARE THIS INFORMATION WITH

Consolidated Credit does not share personal information with any third parties except as required to provide or improve our services. The nature of our services requires Consolidated Credit to disclose personal information to creditors. Consolidated Credit may provide personal information to its consultants, subcontractors and professional advisers or other third-parties (each of which shall be bound by privacy obligations) to assist Consolidated Credit’s uses disclosed herein. If Consolidated Credit refers a client to a third party for advice or services Consolidated Credit does not provide, it will share that client’s personal information with the third party after the client agrees to use such services.

We may engage parties located in the United States to help provide our services, but any client personal information they collect or view remains on servers that reside in Canada.

SECURITY

Personal information is stored in a combination of paper and electronic files. They are protected by security measures appropriate to the nature of the information.

You will be promptly notified in writing in the event of theft, loss, unauthorized use or release of your non-public personal information.

ACCESSING INFORMATION

Individuals may review their personal information contained in Consolidated Credit files by contacting the Consolidated Credit privacy officer. If an individual believes that any of their personal information is inaccurate, we will make appropriate corrections.

THIRD-PARTY WEB BEACONS

Consolidated Credit uses third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! visit https://info.yahoo.com/privacy/us/yahoo/opt_out/targeting/details.html

THIRD PARTY ANALYTICS SOFTWARE

Consolidated Credit’s web site uses a web analytics service that may record mouse clicks, mouse movements, scrolling activity as well as any text you type in the website. The Web analytics software does not collect personally identifiable information that you do not voluntarily enter in the website. Web analytics software does not track your browsing habits across web sites which do not use our Web analytics services. For more, information see Privacy Policy for Information Collected by the Web Analytics software services.

We use the information collected by a web services analytics provider to help analyze where visitors go and what they do while visiting our website. We may also use anonymous information about visitors to this and other websites that subscribe to this service, in order to improve our products and services.

GENERAL

Consolidated Credit may amend this policy from time to time by posting an updated version on our website. If such amendments affect how Consolidated Credit uses or discloses personal information already held by Consolidated Credit in a material way, Consolidated Credit will obtain consent.

This policy was last updated on 7/11/2014.

Notwithstanding the general terms of this policy, the collection, use, and disclosure of personal information may be made outside of the terms herein to the extent provided for in any applicable privacy or other legislation in effect from time to time, or pursuant to court orders.

Consolidated Credit may disclose personal information to another entity purchasing (including for diligence purposes prior to purchase) the assets of Consolidated Credit, provided that entity abides by this or a similar privacy policy.

CONTACT US

For more information on Consolidated Credit and privacy please contact our Privacy Officer at: privacyofficer@consolidatedcredit.ca