Privacy Policy & Legal Notice

Effective Date: November 1, 2024

Vanfraser Financial Services Inc. ("we," "our," "us") is committed to protecting the privacy and confidentiality of personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), British Columbia’s Personal Information Protection Act (PIPA), and other applicable Canadian privacy laws. We will not use your information for purposes other than those identified without your consent.

Information We Collect

We may collect the following types of personal information to provide our services:

• Name, address, email, and phone number.
• Date of birth and Social Insurance Number (SIN), where required for financial transactions.
• Employment and income details.
• Financial information such as bank account details, credit history, or investment preferences.
• Health information, as needed for insurance applications.
• Other details necessary for providing financial and insurance services.

How We Use Your Information

We use your personal information to:

• Provide financial planning, investment, and insurance services.
• Process transactions and fulfill contractual obligations.
• Communicate with you regarding products, services, and updates.
• Comply with legal and regulatory requirements.
• Improve our services and overall customer experience.

Consent

Your consent is required for us to collect, use, and disclose your personal information, except where otherwise permitted or required by law. Consent may be:

• Provided in writing, electronically, or verbally.
• Implied through your use of our services or website.
• You may withdraw your consent at any time, subject to legal or contractual restrictions. To withdraw consent, contact us at the details below.

Disclosure of Information

We do not sell or rent your personal information to third parties. However, we may share your information with:

• Financial institutions and insurers to process financial or insurance plans.
• Regulatory authorities or as required by law.
• Authorized third-party service providers who assist in delivering our services.
• All third parties are contractually obligated to protect your personal information and use it solely for the purposes disclosed.

Security Measures

We implement industry-standard technical, physical, and administrative safeguards to protect your personal information from unauthorized access, loss, or misuse. Security measures include:

• Secure data storage and encrypted communication.
• Restricted access to sensitive information.
• Ongoing monitoring and security updates.

Access, Correction, and Retention

• Access: You have the right to access the personal information we hold about you.
• Correction: You can request corrections if your information is inaccurate or incomplete.
• Retention: Personal information is retained only as long as necessary to fulfill the identified purposes or comply with legal requirements. Once no longer required, your data will be securely destroyed or anonymized.

To make a request, please contact us at the details below. We will respond within 30 days or as required by law.

Cookies and Online Tracking

Our website may use cookies and similar technologies to enhance your browsing experience and collect non-personal data, such as:

• IP addresses, browser types, and website usage patterns.

You can disable cookies in your browser settings, though this may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites. Vanfraser Financial Services Inc. is not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies.

Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updated policies will be posted on our website with the effective date.

Contact Us

If you have questions, concerns, or complaints about this Privacy Policy or how we handle your personal information, please contact our designated Privacy Officer:

Vanfraser Financial Services Inc.

Email: brien@vanfraser.ca

Attention: Privacy Officer

We are committed to resolving any concerns promptly and professionally. If you are not satisfied with our response, you may contact:

Office of the Privacy Commissioner of Canada

Phone: 1-800-282-1376

Website: www.priv.gc.ca

Alternatively, residents of British Columbia may also contact the Office of the Information and Privacy Commissioner for BC at:

Phone: 250-387-5629

Website: www.oipc.bc.ca