Privacy policy and compliance.
Client Communication and Privacy Policies
Welcome to our Client Communication and Privacy Policies page. Here, you will find important information about our practices related to privacy and electronic communications. We are committed to safeguarding your personal information and ensuring transparent and respectful communication. Below, you will find details on our compliance with anti-spam legislation and our privacy practices.
Anti-Spam Policy
As part of our commitment to respectful and lawful communication, we adhere to the Canadian Anti-Spam Legislation (CASL). CASL is designed to protect you from unwanted electronic messages, ensuring that you receive only those communications that you consent to.
Key Points:
We will never send you commercial electronic messages (CEMs) without your explicit or implied consent.
You may receive emails, newsletters, or other electronic communications only if you have given us your express consent or if there is an existing business relationship.
To manage your consent preferences or to unsubscribe from future communications, you can contact us at any time.
Why This Matters:
This approach ensures that you receive relevant and timely information while protecting your privacy.
By obtaining your consent, we respect your communication preferences and comply with legal standards, helping to build trust and transparency in our relationship.
Our Commitment to Written Consent:
I personally prefer to obtain written consent for anti-spam compliance to ensure a clear and unambiguous record. This not only protects you from unsolicited messages but also helps us avoid any potential legal penalties.
Written consent is a straightforward way to document your preferences, ensuring we adhere strictly to your wishes regarding communications from our firm.
Our Privacy Practices:
We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, protect, and manage your personal information in compliance with applicable laws and regulations in Ontario, Canada, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, Ontario's Personal Health Information Protection Act (PHIPA). By using our website and services, you consent to the practices described in this policy.
Our Privacy Practices:
We collect only the information necessary to provide you with the best financial advice and services.
Your personal information is used strictly for purposes related to our services and is not shared with third parties without your consent, except as required by law.
We have robust security measures in place to protect your data from unauthorized access and breaches.
Your Consent:
Upon becoming a client, you will be asked to review and sign a privacy consent form. This form outlines how your information will be used and stored.
You have the right to access, update, or correct your personal information at any time. Simply contact us, and we will assist you.
Why This Matters:
Providing consent ensures that you are fully informed about how your personal information is handled.
Our privacy policy is designed to give you peace of mind, knowing that your data is managed with the highest standards of confidentiality and security.
Our Commitment to Written Consent:
By requesting written consent, I aim to provide a clear and detailed record of your preferences. This helps to ensure all interactions and data handling practices are fully compliant with privacy laws.
Having a written consent form in your file also allows us to be transparent and accountable, which is a cornerstone of our professional relationship with you.
Collection and Use of Personal Information
We collect only the personal information necessary to provide you with our financial advising and money coaching services. This includes, but is not limited to:
Personal Identifiers: Name, contact details (e.g., address, phone number, email).
Financial Information: Income details, banking information, investment records, tax returns, and other financial documents.
Service Utilization: Information on the services you use and your preferences.
We use this information to:
Provide and manage our services.
Communicate with you about your account and our services.
Ensure compliance with legal and regulatory requirements.
Improve our services and develop new offerings.
Disclosure of Personal Information:
We may disclose your personal information to third parties under the following circumstances:
Service Providers: To third-party service providers who assist us in providing our services, such as IT support, data storage, and financial analysis.
Regulatory Bodies: To comply with legal obligations, such as disclosures required by law, court orders, or regulatory requirements.
Business Transfers: In connection with any merger, sale of company assets, or acquisition.
We will obtain your consent before sharing your personal information, except where otherwise permitted or required by law.
Protection of Personal Information:
We implement administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include:
Administrative: Policies and procedures for managing personal information.
Technical: Encryption, secure access controls, and regular security audits.
Physical: Secure storage facilities and restricted access to sensitive areas.
Retention and Destruction of Personal Information:
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected or to comply with legal and regulatory requirements. When your personal information is no longer needed, we securely destroy it using methods such as shredding, de-identification, or secure electronic deletion.
Access to Personal Information:
You have the right to access your personal information held by us. To request access, please contact our Privacy Officer using the contact details provided below. We will respond to your request within a reasonable timeframe and provide you with a copy of the requested information, subject to any legal restrictions.
Changes to Privacy Policy:
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and, where appropriate, communicating directly with you. Your continued use of our website and services after such changes signifies your acceptance of the updated policy.
Contact Information:
If you have any questions, concerns, or requests regarding your personal information or this Privacy Policy, please contact our Privacy Officer at:
Hans-Michael Schnell
Spendwell Cash Flow and Profit Coaching
647. 492. 6001
hans@spendwell.ca
We are committed to addressing any concerns you may have and ensuring your privacy is protected.