Last Updated: November 1, 2022 

This privacy notice for IPP Investments Canada and BN Actuarial Services  ("Company," "we," "us," or "our"), describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services").

CONTACT US ABOUT PRIVACY

If you have questions or comments about this notice, you may contact us at: brian@ippinvestments.ca 

COLLECTION OF INFORMATION

The personal information that we collect depends on the context of your interactions with us. The personal information we collect may include the following: names, phone numbers, email addresses and company name.

When necessary, with your consent or as otherwise permitted by applicable law, we process financial data.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

We may also collect information through cookies and similar technologies.

PROCESS OF YOUR INFORMATION

We process your personal information for a variety of reasons, depending on how you interact with our Services. These reasons include to fulfil marketing activities, resolve any potential issues with services, to keep our Services safe and secure, to identify usage trends and to comply with our legal obligations and defend our legal rights.

SHARING OF PERSONAL INFORMATION

We may share your information with our business partners, the CRA, and provincial pension regulators.

LENGTH OF INFORMATION RETENTION

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

SAFETY OF YOUR INFORMATION

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. Despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. 

We will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

COLLECTION OF INFORMATION FROM MINORS

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us.

WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?

We only process your personal information when we believe it is necessary and we have a valid legal basis to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.

YOUR PRIVACY RIGHTS

You have certain rights under applicable data protection laws. This may include the right to request access and obtain a copy of your personal information, to request rectification or erasure, to restrict the processing of your personal information and to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information.

You can make such a request by contacting us.

REVIEW, UPDATE, OR DELETE YOUR DATA

You have the right to request access to the personal information we collect from you, change that information, or delete it.

You can make such a request by contacting us.

UPDATES TO THIS NOTICE

We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible.