Last updated on August 16, 2024

This is the privacy policy (the “Policy”) for Credit Path. This Policy explains Credit Path’s policies for the collection, use, and disclosure of personal information. Credit Path abides by applicable privacy legislation, including, but not limited to, the Personal Information Protection and Electronic Documents Act (PIPEDA), as amended from time to time.

For purposes herein, “personal information” means information about an identifiable individual.

THE INFORMATION WE COLLECT

Credit Path offers credit counselling and financial services.

The types of personal information we may collect include: name and contact information, date of birth, language preference, credit information, debt information, income and financial information, as well as social media user identification names. We may also collect non-identifiable information, such as cookies, IP addresses, and web beacons, which cannot directly identify an individual but may identify the individual when combined with other available information. Calls to or from our staff may be recorded for purposes of accuracy, performance reviews, and training.

HOW WE COLLECT INFORMATION

Credit Path collects information by various methods, including information actively provided by clients and (with consent) credit checks and information arising from our credit counselling services.

HOW WE USE THIS INFORMATION

The personal information we collect is only used to provide our services to clients. Client contact information may also be used for internal purposes, such as sending newsletters, updates, announcements, and other information to better serve our clients.

Credit Path may use aggregated or anonymous information, which is not linked to identified individuals, for various purposes.

WHO WE SHARE THIS INFORMATION WITH

Credit Path does not share personal information with third parties except as required to provide or improve our services. This may include disclosing personal information to creditors. We may also provide information to consultants, subcontractors, professional advisers, or other third parties (who are bound by privacy obligations) to assist with the uses disclosed in this Policy. If we refer a client to a third party for advice or services we do not provide, we will share the client’s information with the third party only with the client’s consent.

Credit Path may disclose personal information if required by law, including orders, subpoenas, warrants, or other legal requests from courts, tribunals, regulators, or law enforcement agencies. Our policy is to request legal documentation (order, subpoena, or warrant) unless the information is urgently needed to prevent serious injury or property damage.

Credit Path may also disclose personal information to another entity purchasing our assets, provided that entity abides by this Policy or a similar privacy policy.

SMS AND PHONE CALL OPT-IN AND OPT-OUT

By providing your phone number and/or joining our SMS Service, you authorize Credit Path to contact you (including via autodialers, automated text, and pre-recorded messages) through various methods, even if your number is listed on any Do Not Call list. Standard charges may apply. Consent to these terms is not required as a condition of purchasing or receiving our services. To opt-out, email us at privacyofficer@creditpath.com, reply to an SMS with “STOP,” or visit our website.

We will not share mobile information with third parties/affiliates for marketing purposes. Opt-in data will not be shared with any third parties.

SECURITY

Personal information is stored securely in both paper and electronic formats. Client data on Credit Path’s network is encrypted in transit, and all data is encrypted at rest. Daily encrypted backups are kept in secure locations.

ACCESSING INFORMATION

Individuals may review their personal information by contacting our privacy officer at privacyofficer@creditpath.com. If information is inaccurate, we will make the necessary corrections.

OPT-OUT POLICY AND EMAIL SUBSCRIPTIONS

You can opt-out of newsletters or marketing emails at any time by following the unsubscribe instructions in the emails or by contacting us directly. Please note that service-related emails are an integral part of the services and may continue even if you opt out of marketing emails.

COOKIES

Credit Path’s website uses cookies to improve performance and personalize user experience.

(a) What is a cookie? Cookies are small text files stored on your device by websites to improve functionality or provide information to the site owners.

(b) Cookies we use: We may use cookies for purposes such as essential functionality, analytics, and personalization. Information from cookies may be used for a more responsive service.

(c) Cookie duration: Cookies may be persistent or session-based, depending on their function.

(d) Managing cookies: You may control cookies by adjusting your browser settings.

RETENTION OF PERSONAL INFORMATION

Credit Path retains personal information for as long as necessary to fulfill identified purposes, comply with legal obligations, or per retention schedules.

CHILDREN AND MINORS

Our services are not directed to children under 13, and we do not knowingly collect information about children. If a child has entered information on our website, please contact us so we can remove it.

STORAGE OUTSIDE OF CANADA

Your personal information may be used or stored outside Canada. We require that our service providers safeguard your information, though it will also be subject to the laws of the country where it is stored.

GENERAL

Credit Path reserves the right to amend this Policy by posting an updated version on our website. Changes affecting the use or disclosure of existing information will require consent.

CONTACT US

For more information on our privacy practices, contact our Privacy Officer at privacyofficer@creditpath.com. Complaints may also be directed to the Office of the Privacy Commissioner.