Last updated: [December 9 2024]
Introduction
This Privacy Policy applies to anyone accessing [www.afisherandassociates.com] (“Site”). [A Fisher and Associates] (“we”, “us”, or “our”) are committed to providing visitors (“you” or “your”) with a website that respects their privacy. This Privacy Policy describes the way that we collect, use, and disclose your personal information in connection with your access to and use of the Site. We will only collect, use, and disclose your personal information in accordance with this Privacy Policy unless otherwise required or permitted by applicable law.
By accessing or using the Site, you signify your acceptance of this Privacy Policy and consent to our collection, use, and disclosure of your personal information as described in this Privacy Policy. You can withdraw your consent at any time by contacting our Privacy Officer as directed below; however, if you choose to withdraw your consent, we may not be able to provide you with access to or use of certain functionality or features of the Site and our services.
Application of this Privacy Policy
We are subject to the Personal Information Protection and Electronic Documents Act (Canada) and applicable Canadian provincial privacy legislation. Privacy laws vary by jurisdiction. You acknowledge and agree that access to the Site is provided via the Internet and that your information, including personal information, may be: (i) transferred across provincial and national borders; and (ii) stored or processed in accordance with the terms of this Privacy Policy.
Changes to this Privacy Policy
We may make changes to this Privacy Policy from time to time to reflect changes in our legal or regulatory obligations or in the manner in which we deal with your personal information. We will post any revised version of this Privacy Policy on the Site. We encourage you to check back often for updates. Your continued use of the Site after an update or amendment to this Privacy Policy means that you consent to the collection, use, and disclosure of your personal information as described in the updated Privacy Policy.
What is personal information?
For the purposes of this Privacy Policy, personal information is any information about an individual or that identifies a specific individual.
What personal information do we collect?
We collect and maintain different types of personal information in respect of the individuals with whom we interact. This personal information may include, but is not limited to:
• personal contact and identification information, such as your name, mailing address, email address, IP address, and phone number;
• personal information that you include in any feedback or communication that you provide to us; and
• if we act as a trustee in bankruptcy, receiver, liquidator, or administrator in any insolvency proceedings in respect of your debts, we collect your personal identification and credit information, such as your social insurance number, credit history, and credit bureau records.
How do we collect personal information?
As a general rule, we collect personal information directly from you. We may collect personal information from you in a variety of ways, including, but not limited to, when you visit our Site or fill out a form in connection with services and features or resources we provide.
We typically directly ask for your consent to collect, use, or disclose your personal information, unless collection, use or disclosure without your consent is permitted under applicable law. Your consent may also be implied or implicit through your conduct when it is reasonable and legally permissible for us to do so. You may withdraw your consent to the use and disclosure of this personal information at any time by contacting our [Privacy Officer ] using the details below. You can opt out of supplying personal information, except that it may prevent you from engaging in certain Site-related activities or receiving certain services from us. Please note that we are not responsible for any unsolicited personal information submitted by you through the comments section of the Site.
Non-personal information
We may collect non-personal information about you when you interact with the Site, including the browser name, technical information about your means of connection, and the Internet service provider through which you have accessed the Site.
Cookies
This Site implements the site of “cookies” and by continuing to use the Site you permit their use. Cookies are placed on your hard drive for record-keeping purposes and track information. You can choose to set your web browser to refuse the use of cookies, or to alert you when cookies are being sent. If you do so, note that some parts of the Site may not function properly.
Why do we collect and how do we use personal information?
We collect personal information to provide you with the services that are available on and through the Site, and which enables us to manage, maintain, and develop our operations. For example, we may use your personal information:
• to establish, maintain, and manage our relationship with you, including by contacting you, so that we may provide you with any services or communications that you have requested;
• to allow you to participate in, subscribe to, or otherwise receive services and communications from us;
• to improve customer service and ensure we can respond to requests;
• to provide updates on services provided;
• to personalize your experience to improve service and resources on the Site;
• to protect us against error, fraud, theft, and damage to our Site, company, services, assets, or other properties;
• to conduct analysis and evaluations to understand usage and trends to improve our Site, services, communications, and operations;
• to enable us to comply with applicable laws or regulatory processes; and
• for any other reasonable purpose of which we may notify you or to which you consent.
Automated Decision Making
An automated decision is one in which we rely on a computer or system to assess the information you provide to us to make a decision about you. This may include:
• assessing your eligibility for a product or service, for example a credit check for a credit card or loan application;
• detecting any fraudulent activity that may be taking place, or there is a risk that it could take place; and
• checking identity and residency statuses.
If we do make an automated decision about you, in some cases, based on applicable laws, you have the right to ask that we do not make our final decision based solely on the automated decision, and you can also object to the automated decision and ask that someone review it. If you want to do this, please contact us using the contact information provided to you when you receive the automated decision.
Marketing and transactional communications
From time to time, we may wish to send you information about products and services that we or our marketing partners believe would be of interest to you. Please note that, by filling out our site contact form, you agree to receive these communications, unless an exception to obtaining your opt-in consent applies under Canada’s anti-spam legislation. You will have the opportunity to opt out of receiving marketing communications at any time.
Please note that, by using and accessing our Site, you agree to receive transactional non-marketing communications about your activities on or in connection with the Site. For example, when you submit an inquiry, you will receive an email confirming our receipt of your request.
How we protect your information
We adopt commercially reasonable data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, transaction information and data stored on our Site.
Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site.
Please advise our [Privacy Officer] immediately of any incident involving the loss of, or unauthorized access to or disclosure of, personal information that is in our custody or control.
With whom and why do we share your personal information?
We may disclose your personal information for the purposes and in the circumstances set out below:
• to service providers who require such information to assist us with managing our relationship with you, including third parties that provide services to us or on our behalf;
• to our printers who print the letters and information packs that we send to you;
• to advertisers and social media companies such as Facebook, Google and X for our social media accounts or where we can contact you using your social media account;
• to the counterparties to a business transaction and their professional advisors in which there is a change in ownership or sale of assets of, or the grant of a security interest in, all or part of [A. Fisher and Associates];
• if we act as a trustee in bankruptcy, receiver, liquidator, or administrator in any insolvency proceedings in respect of your debts, we may disclose your personal information to third parties as required by legislation, regulations, or the rules of court; such recipients may include your bank, credit card issuers, and creditors; and
• for compliance with legal or regulatory requirements.
These companies help us to provide our services to you. These third parties are contractually obligated to protect the privacy of your personal information in accordance with this Privacy Policy , and they may send you communications on our behalf.
Since we may share your personal information with third parties, as described in this Privacy Policy, your personal information may be collected, used, processed, stored, or disclosed outside of your jurisdiction of residence. As such, your personal information may potentially be accessible to law enforcement and national security authorities of another jurisdiction where local laws provide for a different level of protection for personal information. In certain circumstances, courts, law enforcement agencies, regulatory agencies, or security agencies in those other countries may be entitled to access your personal information.
If you would like further information about our policies and practices regarding the third parties (including our service providers) to whom we disclose your personal information and how those third parties collect, use, disclose, and store personal information, please contact our [Privacy Officer] using the contact details below.
Social Media
We use publicly available social media platforms to promote our services, to provide updates and to share any news and promotional updates. We may collect personal information about you from these social media platforms, for example, if you post a message on our Facebook page. By providing any of your information to us through these platforms you should be aware that:
• the social media web pages are publicly available and you must not provide any personal or sensitive information on our pages that are accessible to the public, such as your account information. We may ask you for your account information via a private message to identify you and to service any request you make; and
• each social media platform will process any personal information you provide through such platform in accordance with its own privacy policy. The privacy policies are available to view on each social media platform, and you are encouraged to read these policies before engaging in any activities on those platforms. We cannot assume any responsibility for the privacy practices, policies, or actions of the third parties that operate these social media platforms. We are not responsible for how such social media platforms collect, use, or disclose your personal information.
Third Party Sites
The Site may contain links to other third-party sites that are not governed by this Privacy Policy. These links are provided for your convenience only, and you assume all risk for clicking any links to other sites. We cannot assume any responsibility for the privacy practices, policies, or actions of the third parties that operate these sites. We are not responsible for how such third parties collect, use, or disclose your personal information. You should review the privacy policies of these websites before providing them with your personal information.
How we may contact you about the product and services we provide to you
To help us keep you up to date about the products and services that we provide to you, and to ensure that you’re kept fully informed, we may contact you by letter, telephone, email, text message, push notifications, social media or may send you messages by any online customer platforms or other electronic means.
If you start an application for a product or service through us, we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.
If you do not want to be contacted in a particular way, you can request this at any time, but if we are providing a service to you, we do need to be able to send you communications. This can often be due to a legal or regulatory requirement.
It is important that you keep us up-to-date when you change your contact details to ensure that we use your up-to-date contact information.
Other purposes for processing your personal data
Websites, marketing and promotions
To help us understand you better and provide you with information about other products and promotions that we believe may be suitable and relevant to you, we will use your personal information to create a profile of you and your circumstances. This allows us to provide more relevant, accurate and tailored services to you. For example, we may assess your income and expenditures to determine whether you would be eligible for a debt solution through us or enroll you into a promotion the company is running whilst you are a client.
However, if you don’t want us to profile your personal information this way, to then better enable us to tailor any marketing communications to you, you can contact us to let us know that you wish for your personal data not to be used in this way.
Reviews and Market Research
Where we have a copy of your personal information we may contact you to ask you to provide a review about the services you’ve received or where we are carrying out market research that may help us design future products and services or to help improve our current services. Although this information would really help us, you aren’t required to provide us with this information.
Legal or Regulatory Obligation
We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or other statutory obligations.
Responding to complaints or enquiries
If you make an enquiry or complaint with us, we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.
Internal Analysis
We will use your personal information to assess our performance as a business and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis or personal data with third parties who provide us with services including conducting research for us and/or where we have a contractual obligation to do so.
Interpretation of this Privacy Policy
Should there be, in a specific case, any inconsistency between this Privacy Policy and Canada’s federal or provincial privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.
Contact information
If you have any questions about this Privacy Policy or concerns about how we manage your personal information, please contact our [Privacy Officer] in writing or by email using the details below. We will endeavor to answer your questions and advise you of any steps taken to address the issues raised by you. If you are dissatisfied with our response, you may be entitled to make a written submission to the Privacy Commissioner in your jurisdiction.
by email to:
[andy.fisher@afisherandassociates.com]
or by mail to:
[90 sheppard Ave E
Suite 401
North York
M2N 3A1]