Privacy Policy

Canada Wealth Consultants understand that privacy is important to you. Integrity is one of our core organizational values and that means we are transparent, trustworthy and accountable in all we do—including the vigilant protection of your privacy. 

Canada Wealth Consultants (CWC) regularly collects, maintains and uses personal information from CWC certificants, volunteers, members of the public and users of our websites. CWC is committed to preserving and safeguarding the privacy of information it obtains in the course of carrying out its business. As part of this commitment, CWC wants you to be aware of our personal information management practices.

This Privacy Policy sets out the manner in which CWC collects, uses, discloses and protects your personal information when you use our websites (www.canadawealthconsultants.com. ) (the “Site”), our products and our services, including our financial planning certifications, (Site, products and services collectively being the “Services”). We will only collect, use and disclose your personal information in accordance with this Privacy Policy.

When collecting personal information, CWC will limit the collection of personal information to that which is necessary to fulfill the purposes identified in this Privacy Policy. CWC will be open and transparent about the information that is being collected by communicating the purpose of collection.

We collect, use and disclose your personal information in order to provide you with our services and to administer the relationship between you and us. We also collect, use and disclose your personal information to comply with legal and regulatory requirements and as otherwise may be permitted or required by applicable laws. We will only use the personal information that we collect for the purpose for which it was collected. We collect your personal information for the following purposes:

• To provide you with financial planning certifications and fulfill our professional mandate as a certification body;
• To identify and contact you when you request our Services;
• To respond to your questions that you send us by email or through our Site, or ask over the phone or in-person, whether you are an CWC certificant, volunteer or member of the public;
• To communicate with you about your profession as a financial planner or CWC certificant;
• To communicate with the general public regarding certification holders;
• To process your payments for our Services;
• To contact you about the Services that you have purchased from us, and to send you, by email or mail, those purchased Services;
• To notify you about other Services provided by CWC that may be of interest to you (such as events and programs);
• To communicate with you about your job application;
• To support our business functions such as internal business processes, marketing and advertising;
• To maintain our public certification database and historical certification information;
• To establish and maintain commercial relations with you;
• To provide you with any of our other Services; and
• To meet any legal or regulatory requirements.

We may collect your personal information when you voluntarily provide it to us by using our Services. For example, we may ask you to provide personal information if you:

• Use our Site and our Services;
• Create an account on our Site;
• Purchase a product or service from us;
• Send us a question or comment by email;
• Contact us by phone or visit our office;
• Post a comment on the Site;
• Send us your resumé and/or job application; or
• Otherwise participate in features of our Site that ask for personal information.

Your personal information will not be used without your consent for purposes other than those for which it was collected or in accordance with applicable laws. From time to time, we may wish to use personal information for new or additional purposes, in which case we will amend the Privacy Policy to include these new or additional purposes and will obtain your consent through your continued use of 

our Services.

CWC will maintain the strict confidentiality of all personal information collected and will not sell, transfer or otherwise disclose any of your personal information to any third party without your knowledge and consent except for purposes outlined in this Privacy Policy. Your personal information will be collected, used and disclosed by those who have a need to know.

From time to time we may share your personal information with third parties under the following limited circumstances:

• To meet our certification mandate;
• In accordance with any agreements CWC may have with a third party, for example, other financial services regulators, government agencies, or any of their affiliates/related organizations;
• With our vendors and suppliers responsible for administering marketing and promotional activities on our behalf and with service providers that help with our operations and Site, including, without limitation, examination and related services, for customer services, monitoring and analyzing Site activity, and operating and maintaining the Site. Such service providers and partner companies may only use your personal information for the purposes described in this Privacy Policy;
• When necessary to protect our safety, property or other rights, our affiliates, customers and users of the Site, including to detect and prevent fraud;
• With your consent; or
• When otherwise required or permitted by law.

We retain your personal information only for as long as we need it to fulfill the purposes for which it was collected and to comply with our legal obligations.

The Site may contain links to other sites that are independently owned and operated by third parties. These other sites may have their own privacy policies and are not governed by this Privacy Policy. We are not responsible for the privacy practices or the content of any sites owned and operated by any third parties. Other sites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy of each site you visit.

As you interact with the Services, we may use automatic data collection technology and services that record and collect information that identifies your computer, tracks your use of this Site and collects certain other information about you and your surfing habits. This data collection technology may include cookies, web beacons and other similar devices on this Site to enhance functionality and navigation for our visitors.

A cookie is a small data file that is placed on the hard drive of your computer so that your computer will “remember” information when you visit a site. Web beacons and tags are small strings of code that are used in conjunction with a cookie and allow us to record activity on our Site. Internet tags, graphic tags and similar web beacon type functions allow us to count the number of users who have visited a particular web page or to access certain cookies. We may use web beacons on this Site to count users and to recognize users by accessing our cookies. Being able to access our cookies allows us to personalize this Site and improve your experience at this Site. We may also include web beacons in HTML-formatted email messages that we send to determine which email messages were opened.

Information tracked through these mechanisms includes, but is not limited to: (i) your IP address; (ii) the type of web browser and operating system being used; (iii) the pages of the Site a user visits; and (iv) other sites a user visited before visiting this Site.

You can reject or disable cookies by managing your browser settings and following the directions provided in your Internet provider’s help file. Please note that if you disable cookies, you may be unable to access some customized features on this Site. Cookies and web beacons do not collect or contain your personal information.

We comply with Canada’s anti-spam legislation (CASL) and we will not send you electronic communications in contravention of this law.

We will ensure that each email includes an opt-out feature and instructions on how to unsubscribe if you no longer wish to receive future emails from us. You can unsubscribe using the link included in the email or by using the contact information set forth below. If you do not expressly consent to receiving electronic communications, we will only communicate with you for the limited purposes permitted under CASL.

By using our Services and providing us with your personal information, you agree that CWC may collect your personal information and you voluntarily consent to the collection, use, disclosure and transfer of your personal information in accordance with this Privacy Policy. If you do not agree with any terms of this Privacy Policy, please do not use our Site or our Services or provide us with any personal information. If you do not understand the nature, purpose and consequences of us collecting, using and disclosing your personal information, please do not use our Site or our Services or provide us with any personal information, and contact us at the contact information set forth below so that we can address your questions or concerns.

Subject to legal and contractual requirements, you may refuse or withdraw your consent to certain of the purposes identified in this Privacy Policy at any time by contacting us at the contact information set forth below. If you refuse or withdraw your consent, you acknowledge that we may not be able to provide you or continue to provide you with certain services or information which may be of value to you.