General
We (Joanne David CFP FCSI and associates) recognize the importance of client privacy and the sensitivity of the personal information that we may have concerning any individual. Financial Planners have a professional and ethical obligation to keep confidential all information we receive within a client relationship subject to the client’s instructions to provide transactions. We are committed to safeguarding the personal information we have or control concerning any individual.
Your Privacy Rights
We manage your personal information in compliance with Alberta’s Personal Information Protection Act (PIPA) and will comply in certain circumstances with the federal privacy law, the Personal Information Protection and Electronic Documents Act (PIPDEA), as required.
Why We Collect Personal Information
We collect personal information for the purposes of serving the related needs of our clients. We require information to:
– Understand, access and assist you, our client with your ongoing financial or insurance needs.
– Ensure information is accurate and up-to-date.
– Collect information for the purposes of providing services to clients in respect to varying financial or insurance transactions.
What personal information do we collect?
Personal information is any information that identifies you personally. In Alberta business contact information such as your office address, job title, business phone number, email address, fax number or other related business contact information is not considered personal information. We follow reasonable and prudent business practices to collect, use and disclose your personal information for the purpose of providing you with services.
How do we collect your personal information?
We collect your personal information directly from you. We ask you for your consent, at the start of our relationship, and during our relationship when need to transact on your behalf. Your consent may be in writing, verbal or implied as necessary to further your needs. Our privacy statement is your notice of the purposes for which we collect, use or disclose your personal information or business contact information.
Independent of our services provided, varying insurance companies may obtain relevant additional information in respect to an application you may have made. You will always be asked to sign a separate authority form to additionally made you aware of this collection of personal infomation. This type of information may be derived from sources such as: yourself, medical professionals, public registries, financial institutions, motor vehicle and driver licensing authorities.
Consent
Our practice is to request either your written or express oral consent, which may be given in person or over the telephone. Primarily your consent will be in writing at the application process. If you volunteer to provide relevant personal information verbally or in writing , we assume that you are consenting to the collection, use and disclosure of your personal information as described in our Privacy Policy. When you initiate contact with us, we may determine that consent has been implied for us to collect, use and disclose personal information in a reasonable manner. In some situations, when communicating with investment or insurance companies on your behalf, we will require express consent in writing, by the provision of a letter, application form, electronic signature, or other document authorizing certain activities.
There are certain circumstances where we are required or permitted by law, to collect, use and disclose personal information without consent. Examples of these certain circumstances that require disclosure of your personal information without your consent:
– when we are required or authorized by law to do so, for example if a court issues a subpoena;
– when the use of the information is necessary to respond to an emergency that threatens the life, health or security of an individual or the public;
– when it is necessary to establish or collect fees; or
– if the information is already publicly known;
Use of Your Information and Cancelation
We use your personal information to provide services to you. You may at any time withdraw your consent by notifying us. We do not disclose or sell your personal information or business contact information to any third party to enable them to market their products and services.
Accuracy of Your Information
You have the right to request a correction of the personal information that we hold about you. We rely on you to provide us with accurate and up-to-date personal and business contact information for the purposes of providing you with services and to maintain contact with you. If during the course of our professional relationship, any of your information changes, please inform us so that we can make any necessary changes.
How do we protect your personal information?
In order to protect your personal information, we will:
– Not collect, use or disclose your personal information for any purpose other than those we identify as you.
– Only disclose your personal information to those persons who have a need to know your personal information for the purposes stated in this Privacy Policy.
– Keep your personal information only for as long as needed it to fulfill the stated purpose or as required by law.
– Maintain your personal information in as accurate, complete and up-to-date a form as possible.
– Keep your personal information physically secure, for example, in locked or secure offices, rooms and/or filing cabinets.
– Maintain technological safeguards for your sensitive personal information.
Access to your personal information
You may request access to the personal information we have about you. The request must be in writing and directed to the privacy officer identified below. We are allowed to charge a reasonable fee for retrieval and copying of your personal information.
Changes to this Privacy Policy
We may review and change our Privacy Statement from time to time in order to update our privacy commitment to you in keeping with current privacy laws of Alberta.
Contact Information & Resources
If you have any concerns, questions, or requests, please contact our Alberta Privacy Officer. To reach our privacy officer:
In writing:
Canadian Financial Strategies, Inc.
Rabbit Hill Box 88077
2430 Rabbit Hill Road
Edmonton, AB T6R 0M5
By email: Contact Alberta Privacy Officer by eMail
In addition, Keybase Financial Group has a designated Privacy Officer to respond to your concerns or questions about privacy and confidentiality –– or any concerns about the way a request for personal information was handled. To reach their Privacy Officer:
In writing:
Keybase Financial Group
1725-16th Avenue, #101, Richmond Hill, ON, L4B 0B3
By telephone: 905.709.7911
By fax: 905.709.7022
The information contained in blog or article posts are derived from various sources, including the Canada Revenue Agency (CRA). Any data provided is for illustration purposes only. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements. The opinions, estimates and projections contained in the publication are those of the Financial Advisor and not that of Keybase Financial Group. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the reports or its contents. The provisions of this publication are not to be constructed as an offer to sell, or a solicitation for, or an offer to buy any securities. Keybase Financial Group Inc. is a member of the Mutual Fund Dealers Association of Canada and the MFDA Investor Protection Corporation (the ‘IPC’).’
Joanne David BA CFP FCSI
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Joanne David CFP FCSI
