Privacy Policy
The Retirement 101® Program recognizes the importance of privacy and the sensitivity of personal information. We have an obligation to keep confidential all information we receive from users of this website. We are committed to protecting any personal information we hold. This Privacy Policy outlines how we manage your personal information and safeguard your privacy.

Privacy Rights
From January 1, 2004, all businesses/programs engaged in commercial activities must comply with the Personal Information Protection and Electronic Documents Act and the Canadian Standards Association Model Code for the Protection of Personal Information, which it incorporates. The Act gives you rights concerning the privacy of your personal information. The Retirement 101® Program is responsible for the personal information we collect and hold. To ensure this accountability, we have developed this policy, and trained our investment advisors and support staff about our policies and practices.

What personal information do we collect?

Personal information is any information that identifies you, or by which your identity could be deduced. If we did not collect and use your personal information, our investment advisors could not provide some of the financial planning services.

How do we collect your personal information?
We collect information only by lawful and fair means and not in an unreasonably intrusive way. Wherever possible we collect your personal information directly from you.

This personal information may include information derived from the following:

• Any income and other tax information;
• Account statements from other firms, including banks, trust companies, investment managers or fund companies;
• Pension plan and post-retirement benefit information;
• Trade Shows, conferences and courses

Consent

In most cases, we shall ask you to specifically consent, if we collect, use or disclose your personal information. Normally, we ask for your consent in writing, but in some circumstances, we may accept your oral consent. Sometimes your consent may be implied through your conduct with us.

Use of Your Information
We use your personal information to communicate with you in a timely and efficient manner relating to course information, confirmation of attendance, post-course follow-up, and to include you in any direct marketing initiatives. If you advise us that you no longer wish to receive information about the Retirement 101® Program or any of the services we offer, we will not send any further material.

Disclosure of Your Personal Information
Under certain circumstances, the Retirement 101® Program will disclose your personal information:

• When you have consented to the disclosure
• If the information is already publicly known
• If we engage a third party to provide administrative services to us (like computer back-up services or archival file storage) and the third party is bound by our privacy policy

Updating Your Information

Since we use your personal information to provide services to you, it is important that the information be accurate and up-to-date. If during the course of your engagement with the Retirement 101® Program, any of your information changes, please inform us so that we can make any necessary changes.

Is my personal information secure?

The Retirement 101® Program takes all reasonable precautions to ensure that your personal information is kept safe from loss, unauthorized access, modification or disclosure.

Access to Your Personal Information

You may ask for access to any personal information we hold about you.

Correcting Errors
If the Retirement 101® Program holds information about you and you can establish that it is not accurate, complete and up-to-date, the Retirement 101® Program will take reasonable steps to correct it.

Communicating with Us
You should be aware that e-mail is not a 100% secure medium, and you should be aware of this when contacting us to send personal or confidential information.

Changes to this Privacy Policy
Since the Retirement 101® Program regularly reviews all of its policies and procedures; we may change our Privacy Policy from time to time.

Web Site
This website may contain links to other sites, which are not governed b this privacy policy.

On this website, like most other commercial websites, we may monitor traffic patterns, site usage and related site information in order to optimise our web service. We may provide aggregate information to third parties, but these statistics do not include any identifiable personal information.