Privacy Policy

Effective Date:

November 11, 2024

Last Updated:

November 11, 2024

Independent Financial Broker (“we,” “us,” or “our”) values your trust and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Canada’s

Personal Information Protection and Electronic Documents Act (PIPEDA)

and applicable provincial laws.

By accessing our website, using our services, or providing your personal information to us, you agree to the terms of this Privacy Policy.

1. Scope of This Privacy Policy

This Privacy Policy applies to:

Financial advisory services provided to individuals and businesses. Business funding solutions offered through our platform. Personal information collected through our website (https://indbroker.ca/), email communications, or any other interaction with us.

2. Information We Collect

We collect personal information necessary to provide our services effectively. This may include, but is not limited to:

2.1 Personal Information

Name, address, phone number, and email address. Date of birth, Social Insurance Number (SIN), and identification documents for verification purposes. Financial information, such as income, assets, liabilities, and credit history.

2.2 Business Information

Business name, address, and contact details. Financial statements, tax filings, and credit history for business funding applications.

2.3 Website Usage Data

IP address, browser type, and device information. Cookies and tracking technologies for website analytics (see Section 9).

We do not knowingly collect personal information from individuals under the age of 18. If we become aware that a minor has provided us with personal information, we will delete it immediately.

3. How We Use Your Information

We use your information to:

Provide financial advisory services tailored to your needs. Process business funding applications and communicate funding decisions. Verify your identity and comply with legal and regulatory requirements. Improve our services, website functionality, and user experience. Send you relevant updates, offers, or educational content (with your consent).

4. Sharing Your Information

We do not sell, rent, or trade your personal information. However, we may share it under the following circumstances:

4.1 With Your Consent

We will share information with third parties only when you have explicitly authorized us to do so.

4.2 For Business Funding Applications

We may share your information with lenders, financial institutions, or credit agencies involved in the funding process.

4.3 Legal and Regulatory Compliance

We may disclose personal information as required by law or to comply with regulatory bodies, such as securities commissions or insurance councils.

4.4 Service Providers

We may engage trusted third-party service providers for tasks such as data hosting, analytics, and communication. These providers are bound by confidentiality agreements and are prohibited from using your information for any purpose other than providing services to us.

5. Consent

Your consent is required for the collection, use, and disclosure of personal information. By providing your information, you consent to its use as outlined in this policy.

You may withdraw your consent at any time, subject to legal or contractual restrictions. To withdraw consent, contact us at [Insert Contact Email].

6. Protecting Your Information

We implement industry-standard security measures to protect your information, including:

Encryption of sensitive data during transmission and storage. Access controls to restrict information to authorized personnel. Regular audits and updates to our security protocols.

Despite these measures, no method of data transmission or storage is 100% secure. We encourage you to take precautions to protect your personal information.

7. Retention of Information

We retain personal information only as long as necessary to fulfill the purposes for which it was collected or to comply with legal, regulatory, or contractual obligations. When no longer required, we securely delete or anonymize your information.

8. Your Rights

You have the right to:

Access your personal information and request corrections if inaccurate. Request details about how your information is being used or shared. File a complaint with the Office of the Privacy Commissioner of Canada (OPC) if you believe your rights have been violated.

To exercise these rights, contact us at [[email protected]].

9. Cookies and Third-Party Tracking

Our website uses cookies and similar technologies to enhance your experience and analyze traffic. Cookies may collect information such as:

Pages visited and time spent on the site. Referring website or search terms.

You can disable cookies through your browser settings, but this may affect website functionality.

We do not knowingly engage in third-party behavioral tracking that targets children under the age of 18.

10. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted on our website with the effective date.

11. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your personal information, contact us at:

Independent Financial Broker

(604) 353-1064

[email protected]