Our Need for Personal InformationIn 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.
ConsentWe 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.
CollectionWhere 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 DisclosureWe 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. Your personal information may be shared among the InSync Financial Group of Companies including but not limited to 4 Pillars Consulting, eCreditBuilder, Credence Financial Services and CreditPoint Mortgage. This will always be done with your consent.
Security of Personal InformationWe 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 against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction of personal information.
Accuracy and AccessWhen 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.
RetentionWe retain your personal information as long as necessary to provide the services that you require and in accordance with relevant legislation.
Contacting or Communicating with UsIf 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:
TPFM The Phoenix Fund Management Ltd. 1200 - 1166 Alberni Street
V6E 3Z3 Canada
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.