Privacy Policy

SMITH CAGEORGE BAILEY INC. – PRIVACY POLICY

Smith Cageorge Bailey Inc. (“SCB”) has created this Privacy Policy in order to demonstrate its firm commitment to privacy.
As of January 1, 2011, SCB is required by law, under the Personal Information Protection and Electronic Documents Act, to make you aware of your rights regarding the handling of your personal information, and to obtain consent prior to using or disclosing such personal information. This policy explains how SCB collects, uses, discloses and safeguards the personal information provided to it either directly by you or by a third party.

By providing personal information to SCB or authorizing a third party to provide your personal information to SCB, you signify your consent to SCB’s collection, use and disclosure of your personal information in accordance with this privacy policy.

What Kind of Personal Information is Collected?

For purposes of this privacy policy, “personal information” means any information that can identify an individual directly or through other reasonably available means. Personal information such as your name, age, home telephone number and address, date of birth, education, name of your current employer, work experience and financial information may be collected by SCB.

As part of SCB’s commitment to treat your personal information with respect, it operates in accordance with the following ten principles (the “Principles”):

Principle 1 – Accountability

SCB will maintain and protect the personal information under its control. SCB has designated an individual who is accountable for compliance with these Principles.

Principle 2 – Identifying Purposes

The purposes for which personal information is collected by SCB will be for formal or informal insolvency issues only.

Principle 3 – Consent

Except where required or permitted by law, your informed consent is required for SCB’s collection, use or disclosure of your personal information (see Privacy Act Consent form).

Principle 4 – Limiting Collection

The personal information collected by SCB shall be limited to those details necessary for the purposes identified to you.

Principle 5 – Limiting Use, Disclosure and Retention

SCB will only use or disclose your personal information in accordance with the purposes for which it was originally collected unless you have otherwise consented, or when it is required or permitted by law. SCB will retain your personal information only for so long as is required to fulfill the purpose for which it was collected or as required by law.

Principle 6 – Accuracy

SCB shall make every reasonable effort to ensure your personal information is maintained in an accurate, complete and up-to-date form.

Principle 7 – Safeguarding Personal Information

SCB shall utilize security safeguards appropriate to the sensitivity of the information and in accordance with industry standards to protect your personal information.

Principle 8 – Openness

If you have any questions regarding SCB’s privacy policy we will discuss them with you.

Principle 9 – Individual Access

Upon your request, SCB shall inform you of (i) the type of personal information it has collected; (ii) how it has used your personal information in the past, and how it may in the future; and (iii) whether or not it has disclosed your personal information to any third parties (and, if so, to whom). Individuals may verify the accuracy and completeness of their personal information, and may request that it be amended, if appropriate.

Principle 10 – Handling Complaints and Suggestions

Individuals may direct any questions or enquiries with respect to the Principles or about SCB’s information handling practices by contacting the person indicated at the end of this document.

Why Does SCB Collect Your Information and How is it Used?

This information is gathered for, and may be used in:

The course of a formal or informal insolvency process.

How is Your Information Collected?

SCB collects information about you in the following ways: when you submit any form via SCB’s website, forward a completed application form, meet with any agent of SCB or otherwise contact us to do business.

Other personal information may be collected from telephone calls, faxes, e-mails, form letters, creditors or other interested parties

SCB OBTAINS YOUR AUTHORITY TO ENSURE THAT EVERY THIRD PARTY WHO DISCLOSES PERSONAL INFORMATION TO SCB HAS YOUR CONSENT TO DO SO. IF YOU BELIEVE THAT A THIRD PARTY HAS INAPPRORIATELY DISCLOSED YOUR PERSONAL INFORMATION TO SCB, PLEASE CONTACT THAT THIRD PARTY. IF THEY DO NOT ADEQUATELY RESPOND TO YOUR INQUIRIES, PLEASE LET SCB KNOW IMMEDIATELY.

Website: www.scbdebtsolutions.ca

When you visit SCB’s web site, information is not collected that could identify you personally unless you choose to provide it voluntarily. You are welcome to browse the web site at any time anonymously and privately without revealing any personal or financial information about yourself.

Your privacy is important to us, and we are committed to maintaining the security, confidentiality, and accuracy of the personal information we collect, in order to provide you with the highest level of service.

This Privacy Policy applies to www.scbdebtsolution.ca (hereinafter, “us”, “we”, or “www.scbdebtsolutions.ca”). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy (“Privacy Policy”) to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources. This Privacy Policy, together with the Terms of Use posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

Consent

By using our website or services and/or submit your personal information to SCB Debt Solutions, you consent to the purposes and uses outlined in this Privacy Policy for which SCB Debt Solutions collects, uses, shares, or discloses your personal information.

We may only share your personal information to other organizations when we have your consent. We may disclose personal information without consent when required by law, and information will be limited to only what is legally required.

Collection

Visitors to SCB Debt Solutions website choose to interact with SCB Debt Solutions in ways that may require SCB Debt Solutions to gather personal information. You can control the means of how you connect with us without providing personal information. However, there are situations where we may require personal information in order to provide a service for you through our site.

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

The amount and type of information that SCB Debt Solutions gathers depends on the nature of the interaction.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you request a call back and fill the form in contact us page, we may ask for your contact information, including items such as name, email address, City, province, and telephone number.

All personal information is kept in a secure system so we can connect back with you regarding your request.

How we use your information

We use the information we collect in various ways, including to:

Provide, operate, and maintain our website
Improve, personalize, and expand our website
Understand and analyze how you use our website
Develop new products, services, features, and functionality
Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
Assist you with a debt recommendation or solution for your personal situation
Send you emails
Find and prevent fraud

Security

The security of your Personal Information is important to us. Unfortunately, no system of security measures can guarantee the security and privacy of personal information. SCB Debt Solutions has implemented commercially acceptable organizational, physical, and technological measures to protect against loss, misuse, or alteration of personal information under our control.

Aggregating non-personally identifiable information

Like most website operators, SCB Debt Solutions collects non-personally identifiable information. SCB Debt Solutions purpose in collecting non-personally identifying information is to better understand how SCB Debt Solutions visitors use its website. We may also use this information to make SCB Debt Solutions website easier to use, track overall visitor information in aggregate form and help us to improve the services we offer.

If you have not shared any revealing information or personally identifiable information about yourself, you will remain anonymous, and we cannot trace activity to a specific individual user. In this case, our web server may collect the IP address and domain you used to access our website, the type and version of web browser and operating system you are using including the number, duration and frequency of visits to our website and the website you came from and visit next.

Links to external sites

Our Website may contain links to external sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites, products, or services.

Information sharing and disclosure

SCB Debt Solutions discloses potentially personally identifying information only to those of its employees, contractors and affiliated organizations that need to know that information in order to process it on SCB Debt Solutions behalf or to provide services available at SCB Debt Solutions website, and (ii) that have agreed not to disclose it to others.

SCB Debt Solutions will not rent or sell potentially personally identifying information to anyone.

Other than to its employees, contractors and affiliated organizations, as described above, SCB Debt Solutions discloses potentially personally identifying information only in response to a subpoena, court order or other governmental request, or when SCB Debt Solutions believes in good faith that disclosure is reasonably necessary to protect the property or rights of SCB Debt Solutions, third parties or the public at large.

Cookies

To enrich and perfect your online experience, SCB Debt Solutions uses “Cookies,” similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.

SCB Debt Solutions uses cookies to help SCB Debt Solutions identify and track visitors, their usage of wwwscbdebtsolutions.ca, and their website access preferences. SCB Debt Solutions visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using SCB Debt Solutions websites, with the drawback that certain features of SCB Debt Solutions websites may not function properly without the aid of cookies.

By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to SCB Debt Solutions use of cookies.

When Information May be Disclosed to Third Parties

Except as specifically provided for in the Privacy Policy, SCB does not disclose any personal information to third parties. The following are the limited instances where SCB may disclose your personal information to third parties:

to notify creditors and interested parties, as required;
to investigate potentially fraudulent or questionable activities regarding your conduct prior to or during your bankruptcy; and
when required or permitted by law.

The type of information SCB is legally required to disclose may relate to criminal investigations or government tax reporting requirements. In some instances such as a legal proceeding or court order, SCB may also be required to disclose certain information to authorities. Only the information specifically requested will be disclosed and SCB will take precautions to satisfy itself that the authorities that are making the request have legitimate grounds to do so.

There are some situations where SCB is legally permitted to disclose personal information such as employing reasonable and legal methods to enforce its rights or to investigate suspicious or illegal activities.

Our Employees and your Personal Information

In the course of daily operations, access to private, sensitive and confidential information is restricted to authorized employees of SCB who have a legitimate business purpose and reason for accessing it. For example, when you call SCB, SCB’s designated employees will access your information to verify who you are and to assist you in fulfilling your requests.

As a condition of their employment, all employees of SCB are required to abide by the privacy standards SCB has established. Employees are informed about the importance of privacy and they are required to agree not to disclose any personal information to unauthorized individuals or parties. Unauthorized access to and/or disclosure of personal information by an employee of SCB are strictly prohibited. All employees are expected to maintain the confidentiality of personal information at all times and failing to do so will result in appropriate disciplinary measures, which may include dismissal.

How SCB Safeguards Your Information

SCB uses industry standard technologies and maintains current security standards to ensure that your personal information is protected against unauthorized access, disclosure, inappropriate alteration or misuse. Electronic files are kept in a highly secure environment with restricted access. Paper based files are stored in locked filing cabinets.

SCB manages its computer server environment appropriately and its firewall infrastructure is strictly adhered to. Its security practices are reviewed on a regular basis and SCB routinely employs current technologies to ensure that the confidentiality and privacy of your information is not comprised.

SCB’s web site uses Secure Socket Layer (SSL) and technologies to enhance security when you visit the secured areas of the web site. SSL is the industry standard tool for protecting and maintaining the security of message transmissions over the Internet.

Accessing and Amending Your Information

To help SCB keep your personal information up-to-date, you are encouraged to amend inaccuracies and make corrections as often as necessary. Despite SCB’s efforts, errors sometimes do occur. Should you identify any incorrect or out-of-date information in your file and inform SCB, SCB will make the proper changes. Please note that before we are able to provide you with any information or correct your inaccuracies, we may ask you to verify your identity and to provide other details to help us to respond to your request. Where appropriate, SCB will communicate these changes to other parties who may have unintentionally received incorrect information from SCB.

It is your responsibility to ensure information collected by SCB is accurate and up to date.

Challenging Compliance

You are entitled to challenge or otherwise scrutinize SCB’s management of your personal information. Any concerns should be directed to the contact person identified below:

Senga Bailey, CIRP

Phone (403) 261-7779

Fax (403) 452-8187

Updating this Privacy Policy

Any changes to SCB’s Privacy Policy and information handling practices will be acknowledged in this policy in a timely manner. SCB may add, modify or remove portions of this policy when it feels it is appropriate to do so.