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Privacy Policy

We are committed to protecting your privacy. Our privacy policy provides an overview of how we collect, use and disclose the Personal Information of our clients. We recognize the importance of privacy and the sensitivity of Personal Information received by us in the course of our business. This policy has been developed with those obligations in mind.

Our Need for Personal Information

"Personal Information" means any information about an identifiable individual. In order to be able to assist you as a client, we need access to all relevant facts and information that relate to your financial situation. This requires the collection of Personal Information about you and potentially about other individuals.

Consent

By using our website and services, you signify your agreement to the terms and conditions of this Policy and to our collection, use and disclosure or your personal information as set out herein.  We do not, except where otherwise permitted by law, collect, use or disclose Personal Information unless you are aware of the purposes for which the information will be used or disclosed, and have given your consent to such use or disclosure.  You may change or withdraw your consent at any time by contacting us in writing, understanding that a withdrawal or change in consent may affect your ability to use our website or services.

Collection

We collect personal information only to the extent that is necessary for the purpose at hand.  This may include but is not limited to:

  • Information provided by you during the application process, including your contact information (such as name, email address and telephone number), debt amount, credit range, homeowner status, property value, mortgage balance, postal code;
  • Information provided by third parties that we connect you with through the application or that provide information related to your application such as financial institutions, debtors, and credit checking organizations.

 

 

We limit our collection of Personal Information to include only what is necessary to assist you as a client. 

Use and Disclosure

We limit our use of Personal Information to those purposes which have been disclosed to you, 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 you decide to enter into a formal proposal with the assistance of a Licensed Insolvency Trustee ("LIT"), we will provide certain documents containing personal and financial information to the LIT. The LIT 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.
  • If you agree for us to provide you with credit rebuilding or financial services, we may provide your financial information to a related company or selected arms' length affiliates who may provide certain financial services or products to you in order to help rebuild your credit score or to access financial products and services.
  • When the law requires us to disclose it. We will notify you when we are asked to provide your Personal Information in this way unless we are legally prohibited from doing this. When we do receive this type of request, we will only release your Personal Information if we have a good faith belief that the law requires us to do so. Nothing in this Privacy Policy is intended to limit any legal defenses or objections that you may have to a third party's request to disclose your information.

Security of Personal Information

We recognize our obligation to protect your Personal Information. This includes our obligation to protect the Personal Information we have gathered about you and about other individuals as part of providing our services. We have therefore put in place security measures to secure against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction of your Personal Information.

Minors

Minors (persons under the age of 18, although the age of majority may vary in other jurisdictions) are not eligible to use the website or services unsupervised, and we request that minors do not submit any personal information to us.  If you are under the age of majority in your jurisdiction, you may only use the website or services in conjunction with and under the supervision of an adult.  Debt Refresh Inc. does not knowingly collect personal information from minors.

Accuracy and Access

When working with you, we highlight the importance of providing us with accurate and complete information. You can always request access to the Personal Information we have collected about you.

Retention

We retain your Personal Information as long as necessary to provide the services that you require and in accordance with relevant legislation.

On-line Privacy

By using our website or related services, you consent to the collection, use and disclosure of your Personal Information in accordance with this Privacy Policy. In addition, to any information the consumer may provide cookies may also be collected. "Cookies" are small text files offered to a user's computer by web servers in order to keep track of the user's browser as a website is being navigated.

Storage of Information Online

We and our service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States and potentially in Europe and Asia. The personal protection laws of those other countries may differ from the laws of the jurisdiction in which you reside. By providing your Personal Information, you consent to the transfer of your personal information to facilities located in other countries and the processing and storage of your Personal Information at those facilities. No matter what country your information is in, we comply with applicable law and will also abide by the commitments we make in this Privacy Policy. 

Contacting or Communicating with Us

If 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:

Debt Refresh Inc.

1730 St. Laurent Blvd #800

Ottawa, ON K1G 3Y7

1-888-720-4222

Attention: Privacy Officer

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.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time without notice. The Privacy Policy posted at any time or from time to time via this website shall be deemed to be the Privacy Policy then in effect.