Canaccede is committed to maintaining the accuracy, confidentiality and security of your personal information. We wish to provide assurance that nothing is more important to us than the security and appropriate use of your personal information.
Mailing Address: Station B, P.O. Box 9, London, Ontario, N6A 1V3
Personal information is any factual information about an identifiable individual such as contact information, account numbers, or details including, but not limited to age, marital status, income, date of birth and credit history. Personal information does not include information such as a person's business title or business contact information when used or disclosed for the purpose of business communications.
We will limit the information we collect to what we need for the purposes of managing an effective customer relationship, and we will use it only for those purposes. We do not provide this information to any third party who is not directly associated with achieving this objective.
Personal financial information is used to help us manage operations and risk within our organization. Information is also used in order to satisfy valid information requests from regulators and other organizations or individuals who are legally entitled to make such requests.
Personal information that Canaccede collects from and regarding customers, debtors and clients is used to locate, contact and correctly identify consumers, understand and confirm ability and/or willingness to pay past due accounts, provide customer choices of multiple contact channels, understand the most convenient time and place of communication, suggest appropriate payment methods and understand preferences, and determine alternate methods of collection of past due accounts if amicable avenues are unsuccessful and may include, but is not limited to:
We collect this information from a variety of sources, such as:
We may provide your information to other persons in situations where the other parties are our suppliers or agents who assist us in serving our customers and we are required or permitted to do so by law or applicable regulators and self-regulatory organizations.
We may share your personal financial information with:
In some instances, Canaccede may engage the services of third parties in jurisdictions outside of Canada. In the event our service provider is located in a foreign jurisdiction they are bound by the laws of the jurisdiction in which they are located and may disclose personal information in accordance with those laws.
Over time, we may buy new consumer receivables or sell some of our consumer receivables. Accordingly, personal information associated with any accounts, products or services of the business being purchased or sold may be disclosed (and collected) for such purpose and transferred as a business asset to the new business owner.
Further, your personal information may be disclosed:
We may use or disclose your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.
We will protect information with appropriate safeguards and security measures. This encompasses the following, physical security, such as secure locks on filing cabinets and restricted access to offices. Organizational security, such as controlled entry in data centres and limited access to relevant information, and electronic security, such as passwords, personal identification numbers, and encryption of sensitive data.
The Companies that work jointly with Canaccede are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example:
We will give customers access to the information we retain about them when their identity is appropriately assessed. We will make every reasonable effort to keep information accurate and up-to-date. Physical documentation is accessible by Canaccede until such time that we determine it is appropriate to dispense of material as no longer requiring retention as per our policies and procedures.
Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. In addition, the personal information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices.
In the event that we cannot provide you with access to your personal information, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions.
We will investigate and respond to concerns about any aspect of our handling of information. Should any questions or concerns arise, they can be directed to our Privacy Officer at email@example.com, by phone at 1-888-316-2369 or write us at Privacy Officer, Station 'B' P.O. Box 9 London, Ontario N6A 4V3.
If you are unsatisfied with our response you may refer your enquiry to the Privacy Commissioner in your jurisdiction.
If your organization is looking for new ways to expand your capital pool, maximize your efficiencies or just explore how to think about managing your various consumer debt obligations, reach out to Canaccede today for an open exploratory discussion.