Privacy Policy

Corporate Solutions Inc. (“CSI”) is committed to protecting your privacy.

This Privacy Statement informs you about our practices relating to the collection, use and disclosure of personal information that may be provided by you or through a third party.  By entering into contracts with us, or by retaining our services, or by using our services to facilitate an insurance or investment transaction with a third party, you consent to the collection, use and disclosure of your personal information (as defined below) in accordance with the following terms and conditions.

This Privacy Statement also explains how you can contact us if you have a question about, want to make a change to, or delete, any personal information we may be holding about you.  We strongly recommend that you take the time to read this Privacy Statement and retain it for your future reference.

Personal Information
For the purpose of this Privacy Statement, “personal information” means information about an identifiable individual, but does not include the name, title or business address or telephone number of an employee or organization.

What Personal Information We Collect
When you engage our services or enter into a contract with us we will collect personal information from you or a third party that we require in order to provide you with the requested service(s).  The type of personal information we collect will depend on the nature of the requested service(s), but may include at least some of the following:

• Contact information (such as name, address, social insurance number, e-mail address, and telephone number);
• Proof of identity and citizenship (such as signature or driver’s licence number);
• Present Employer information (including duration of service or tenancy with the above);
• Medical and lifestyle information;
• Financial information (such as bank and investment account information, salary information, financial statements, tax returns and insurance coverage);
• Demographic information (such as age, occupation and marital status); and
• In some circumstances voice recorded conversations to assure accuracy of the requested direction and/or execution as it relates to the service(s) requested.

How We Use Your Personal Information
We use your personal information to:

• Confirm your identity;
• Determine your eligibility or need for insurance and financial products;
• Determine your creditworthiness for the financial and insurances products and services you requested;
• Meet the regulatory and contractual requirements relating to the services and products provided to you;
• Provide you with timely and reliable services and do all things necessary to administer those services;
• Communicate with third parties in order to assess your insurance and investment needs and requirements to effectively render our services;
• Bill you for our services rendered;
• Collect outstanding debts;
• Develop and maintain our relationship with you: and
• Communicate with you.

When We Disclose Your Personal Information
We may share personal information with the third parties engaged to assist us in providing services to you or to carry out one or more of the purposes described above.  These other service providers are prohibited from using your personal information for any purpose other than to provide this assistance and are required to protect personal information disclosed by us and to comply with the general privacy principals described in this Privacy Statement.

We may also disclose your personal information to third parties, such as those described above, as may be required to carry out the requested services.  We disclose your personal information to such parties on as “as needed” basis only.

We reserve the right to disclose personal information to a third party if a law regulation, search warrant, subpoena or court order legally requires or authorizes us to do so.

We also reserve the right the disclose and/or transfer personal information to a third party in the event of a proposed or actual purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposal of all or any portion of our company or of any of the business or assets of our company in order for you to continue to receive the same services from a third party.

Knowledge and Consent
We collect personal information about you only when you voluntarily provide.  Typically, we will seek consent for the use or disclosure of your personal information at the time your retain us.  In certain circumstances, consent may be sought after the information has been collected but before use (for example, when we want to use information for a purpose not covered by your initial consent).

Depending on the nature of the services requested, it may also be necessary for us to collect personal information about you from a third party (such as a bank, employer, or financial consultant).  We obtain your consent to this collection at the time you contract with us.

You may withdraw consent at any time, subject to contractual restrictions and reasonable notice.  If you wish to withdraw your consent at any time, please contact Raymond Matt, our company’s Privacy Officer, in the manner set out below.  We will inform you of the implications of withdrawing consent.
We will not, as a condition of the supply of our service require you to consent to the collection, use or disclosure of information beyond that required to fulfill the purposes for which the information is being provided.

Use for Information Purposes
We may also use your personal information to send you information from time to time about developments or issues that we think may be of interest to you.  Should you decide at any time that you no longer wish to receive this information, please let us know and we will be pleased to remove you from our contact list.

How We Protect Your Personal Information
We make all commercially reasonable efforts to ensure that personal information collected from you is protected against loss and unauthorized access.  This protection applies in relation to information stored in both electronic and hard copy form.  Access to your personal information is restricted to selected employees.  In addition, CSI employs general accepted information security techniques, such as firewalls and access control procedures to protect personal information against loss and unauthorized access.

Unless we need to share your personal information as part of our services, all information you give us will be kept strictly confidential. You authorize us to send your correspondence, documents and other information related to your relationship with CSI through the use of the internet, (and particularly,       e-mail) in unencrypted condition and without any guarantee of security or protection from interception by a third party.

Retention of Your Personal Information
We retain your personal information for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws, including those requirements of the Canada Revenue Agency.

Changes to this Privacy Statement
CSI reserves the right to modify this Privacy Statement at any time without notice.  The Privacy Statement available at our head office at any time or from time to time shall be deemed to be the Privacy Statement then in effect.  You may request a copy of our Privacy Statement at any time by contacting us as set out below.

Correcting or Updating Your Information
You can help us maintain the accuracy of your personal information by notifying us of any changes to this information.  You may contact CSI in any one of the following ways set out below to request access to or correction or update of your personal information.

Contacting Us
In the event that you have questions about our Privacy Statement or if you have reason to believe that CSI may have failed to adhere to this Privacy Statement, please contact our Privacy Officer, Raymond Matt, CFP,CLU, TEP, CHS by mail at:

Corporate Solutions Inc.
P.O. Box 548, Midland, Ontario
L4R 4L3

OrCall us at: 705-526-2807
Fax us at: 705-526-0615
E-mail us at: raymond@csiplan.ca
Web: www.csiplan.ca