Privacy Statement

This is Consolidated Credit Counselling Services of Canada Inc.’s (“Consolidated Credit”) privacy policy (this “Policy”). This Policy explains Consolidated Credit’s policies for the collection, use and disclosure of personal information. Consolidated Credit abides by applicable privacy legislation, including, but not limited to the Personal Information Production and Electronic Documents Act, as amended from time to time.

Consolidated Credit offers consumer credit counselling services.

THE INFORMATION WE COLLECT

Consolidated Credit collects personal information from clients by various methods. Such methods include: (i) collecting information actively provided by Consolidated Credit’s clients; (ii) clients credit checks (pursuant to and with the consent of the client); and (iii)  collecting information arising from our credit counselling services.

For purposes herein, “personal information” means recorded information about an identifiable individual. To qualify as personal information, the information must be about the individual in a personal capacity. The types of personal information we collect include name and contact information, date of birth, language preference, credit information, debt information, income and financial information, as well as social media user identification names. We may record calls to or from our staff for purposes of accuracy, performance reviews, and training.

HOW DO WE USE THIS INFORMATION?

This information collected 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.

RETENTION OF PERSONAL INFORMATION

Consolidated Credit will keep your personal information for as long as it remains necessary for the identified purposes or as required by law, or in accordance with its retention schedules, which may extend beyond the termination of its relationship with you. Consolidated Credit reserves the right to maintain personal information records for both active and inactive/unsubscribed clients.

WHO WE SHARE THIS INFORMATION WITH?

Consolidated Credit does not share personal information with unaffiliated third parties except as required to provide or improve our services, or as provided herein. The nature of our services requires Consolidated Credit to disclose personal information to your 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 with its services. If Consolidated Credit refers a client to a third party for advice or services which Consolidated Credit does not provide, then Consolidated Credit will share client’s personal information with the third party after the client agrees to use the third party’s services.

We may engage parties located in the United States to help provide our services, but any client personal information which may be collected or viewed by said parties 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.

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, such person shall immediately advise Consolidated Credit of any necessary corrections, and Consolidated Credit, in a reasonable manner, 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, www.consolidatedcredit.ca (the “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! click here or visit https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/controls/index.html to learn how to opt out of this service.

Opt-Out Policy, Your Newsletter and Email Subscriptions.

You can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive from Consolidated Credit. Please allow between five to ten (5-10) business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at the unsubscribe email or by replying to an existing email with your request to be removed from the mailing list 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.

GENERAL

This Policy was last updated on May 11, 2021.

Consolidated Credit reserves the right to amend this Policy from time to time by posting an updated version on the 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 client consent.

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 Policy or a similar privacy policy.

CONTACT US

For more information on Consolidated Credit and privacy, please contact our Privacy Officer at: [email protected]