Privacy and Protection of Personal Information Policy

We are committed to protecting your privacy. Our privacy policy (this “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 information will necessarily include Personal Information about you and about other individuals.

Consent

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.

Collection

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 consider filing 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. If you proceed with filing of a proposal, 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 Financial Wellness which includes consulting about financial literacy, recovering from financial hardship and other financial services, or if we believe your situation would be better served by dealing with another service provider, we may provide your financial information to a related company or selected arms’ length affiliates who may provide or offer to provide certain financial services or products to you in order to help rebuild your credit profile or to access financial products and services.
• If you fill out a form on our website, through Facebook or another marketing company, we will share your contact information with a LIT firm that services the area in which you live, who may later contact you to discuss your financial situation
• 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 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.

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.

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 locations across North America. 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 North America. No matter what country your information is in, we comply with applicable law and will also abide by the commitments we make in this Policy. To learn more about our security features, click here.

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
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.

Changes to this Privacy Policy

We reserve the right to modify this Policy at anytime without notice. The Policy posted at any time or from time to time via the 4pillars.ca website shall be deemed to be the Policy then in effect.

Last revised: August 29, 2024