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 information will necessarily include Personal Information about you and about other individuals.
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.
Where practical, we try to collect Personal Information directly from the person to whom the information relates. When necessary, we will collect Personal Information from other sources. We limit our collection of Personal Information to include only what is necessary to assist you as a client. In the course of providing services to you we may be required to obtain information or assets from third parties, for example credit checking organizations.
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.
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.
Accuracy and Access
When working 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.
We retain your Personal Information as long as necessary to provide the services that you require and in accordance with relevant legislation.
Storage of Information Online
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:
4 Pillars Consulting Group Inc.
2300 – 2850 Shaughnessey St.
Port Coquitlam, BC, V3C 6K5
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.
Last revised: September 25, 2019