Privacy Statement

This Policy was last updated on August 16, 2023.

This is Consolidated Credit Counselling Services of Canada Inc.’s (“Consolidated Credit”) privacy policy (this “Policy”). This Policy explains Consolidated Credit’s policies for the collection, use and disclosure of personal information. Consolidated Credit abides by applicable privacy legislation, including, but not limited to the Personal Information Production and Electronic Documents Act, as amended from time to time.

For purposes herein, “personal information” means information about an identifiable individual.


Consolidated Credit offers consumer credit counselling services.

The types of personal information we may collect include: name and contact information, date of birth, language preference, credit information, debt information, income and financial information, as well as social media user identification names. In addition, we may collect certain information such as cookies, IP addresses, web beacons, or other information that cannot be used to directly identify an individual but may still be used to identify the individual when combined with other information which may be available in the public records. We may record calls to or from our staff for purposes of accuracy, performance reviews and training.


Consolidated Credit collects information by various methods including information actively provided by its clients, and (with consent) credit checks and information arising from our credit counselling services.


The personal information we collect is only used to provide our services to our clients. The client’s contact information may also be used for other internal purposes such as sending Consolidated Credit’s newsletters, updates, announcements and other information or to better serve our clients.

Consolidated Credit may use aggregated or anonymous information which will not be linked to identified individuals for various other uses for itself and third parties.


Consolidated Credit does not share personal information with third parties except as required to provide or improve our services. The nature of our services requires Consolidated Credit to disclose personal information to creditors. Consolidated Credit may provide personal information to its consultants, subcontractors and professional advisers or other third-parties (each of which shall be bound by privacy obligations) to assist Consolidated Credit’s uses disclosed herein. If Consolidated Credit refers a client to a third party for advice or services Consolidated Credit does not provide, it will share that client’s personal information with the third party after the client agrees to use such services.

Consolidated Credit will disclose personal information without an individual’s knowledge or consent if we receive an order, subpoena, warrant or other legal requirement issued by a court, tribunal, regulator or other person with jurisdiction to compel disclosure of an individual’s personal information. If we receive a request from a police officer or other law enforcement agency for access to your personal information in the course of an actual or potential investigation, our policy is to require the police officer or law enforcement agency to obtain an order, subpoena or warrant, unless the information is urgently required to prevent serious bodily injury or serious damage to personal property. If we receive a written request from a police officer or other law enforcement agency with authority to request access to your personal information in the course of an actual or potential investigation into a breach of a law, our policy is to provide the requested information.

Consolidated Credit may disclose personal information to another entity purchasing (including for diligence purposes prior to purchase) the assets of Consolidated Credit, provided that entity abides by this Policy or a similar privacy policy.


By providing your phone number and/or joining our SMS Service, you authorize Consolidated to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You may opt out of receiving such phone calls or text messages to your mobile device at any time by emailing us your instructions at [email protected]. You may also opt-out and remove your authorization to receive SMS text messages by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to Members of Consolidated Credit.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.


Personal information is stored in a combination of paper and electronic files. These files are protected by security measures appropriate to the nature of the information. Client data on Consolidated Credit’s network is encrypted in transit and all data is encrypted at rest. Backups are run at least once per day and all backups are encrypted, air gapped and zero trust.

You will be promptly notified in writing in the event of theft, loss, unauthorized use or release of your non-public personal information.


Individuals may review their personal information contained in Consolidated Credit’s files by contacting the Consolidated Credit privacy officer at the email address provided at the end of this Policy. If an individual believes that any of their personal information is inaccurate, we will make appropriate corrections.


You can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at the unsubscribe email or by replying to an existing email with your request to be removed from the mailing list or click here.


This website, (the “Website”), uses cookies to improve the Website’s performance and to enhance your user experience. Certain areas of the Website also use cookies to understand more about our uses in an effort to offer more personalized experiences.

If you have any questions in relation to the cookies we use, please contact us at [email protected] or 437-266-2790.

(a) What is a cookie?

A cookie is a small text file placed on your device by the websites that you visit. Cookies are then sent back to the website on each subsequent visit, or to another webpage that recognizes that cookie. Cookies are used in order to make the website work, or to work more efficiently, as well as to provide information to the owners of the website. Such information may be used to provide a more personalized and responsive service. Cookies may be either first party cookies set directly by us to your device, or third-party cookies set by a third party provider on our behalf. Whenever you use this Website, information may be collected through the use of cookies and other similar technologies (e.g., web beacons, tags, scripts, local storage).

(b) Cookies we may use and why

When we use cookies on our Website, we may classify them into any one of the following categories:

  • “Strictly Necessary”cookies are necessary for the Website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.
  • “Analytics and Performance”cookies allow us to track analytics by counting visits and traffic sources so we can measure and improve the performance of our Website. They may be set by us or by third party providers Google Analytics, Matamo & Anura to help us to know which pages or videos are the most and least popular and see how visitors move around the Website.
  • “Functional”cookies enable the Website to provide enhanced functionality and personalization based on your interaction with the Website. They may be set by us or by third party providers, such as Adobe, whose services we have added to our pages.
  • “Advertising and Targeting”cookies may be set through our Website by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other websites.
  • “Social Media”cookies are set by social media services (e.g., Twitter, LinkedIn, Facebook, YouTube, Pinterest, Instagram) that we have added to the Website to enable you to share our content with your friends and networks. These cookies are capable of tracking your browser across other websites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit.

To view a list of the cookies that are used by the Website, click on “Manage cookie preferences” at the top of this Cookie Notice.

(c) How long will cookies remain on my device?

The length of time cookies will stay on your device will depend on whether it is a “persistent” or “session” cookie. A persistent cookie will be stored by a web browser and will remain valid until its set expiration date, unless deleted by you before the expiration date. A session cookie, on the other hand, will expire at the end of your web session, when the web browser is closed.

(d) Cookies that have been set in the past

If you have disabled one or more cookies, we may still use information collected from cookies prior to your disabled preference being set; however, we will stop using the disabled cookie to collect any further information.

(e) How can I control cookies?

You can control and manage cookies in various ways. Please keep in mind, removing or disabling cookies may impact your user experience and parts of this Website may no longer be fully functional.

Click on “Manage cookie preferences” at the top of this page to control which cookies are used on this Website. You may also be able to change your browser settings to manage and control cookies.

For more information on cookies used by other websites or pages, please refer to the specific privacy or cookie notice on those websites.

(f) Email communications

We may also use tracking technologies to determine whether you have read, clicked on, or forwarded certain email communications we send to you so that we can make our communications more helpful and interesting. If you do not wish us to confirm whether you have opened, clicked on or forwarded our communications, you will need to unsubscribe, as it is not possible for us to send these emails without tracking enabled. Registered subscribers can update their communication preferences at any time by contacting us, or you can unsubscribe following the instructions in the individual email communications you receive from us.

(g) Changes to this Cookie Notice

We may modify or amend this Cookie Notice from time to time at our discretion. When we make changes to this notice, we will amend the revision date at the top of this page, and such modified or amended Cookie Notice shall be effective as to you and your information as of that revision date.

We encourage you to periodically review this Cookie Notice to be informed about how we are using cookies.


Consolidated Credit uses third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting the Website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo!  visit  to learn how to opt out of this service.


Consolidated Credit will keep your personal information for as long as it remains necessary for the identified purposes, as required by law, or in accordance with our retention schedules, which may extend beyond the termination of our relationship with you. Consolidated Credit reserves the right to maintain personal information records for both active and inactive/unsubscribed clients.


The Website and the services offered on the Website are not directed to children under the age of 13 years. We will not knowingly collect personal information about a child under the age of 13. We do not allow minors (persons who are under the age of majority in their place of residence) to create accounts, make purchases or enter contests or promotions, or otherwise make any use of the Website. If you believe your child entered information on our site, please let Consolidated Credit know so we can remove the information from our site database.


Your personal information may be used or stored by us or our service providers and our corporate affiliates outside of Canada. We require that our service providers and our corporate affiliates safeguard your personal information. However, if your personal information is used or stored outside of Canada, it will also be subject to the laws of the country in which it is used or stored.


Consolidated Credit reserves the right to amend this Policy from time to time by posting an updated version on the Website. If such amendments affect how Consolidated Credit uses or discloses personal information already held by Consolidated Credit in a material way, Consolidated Credit will obtain consent.

Notwithstanding the general terms of this Policy, the collection, use, and disclosure of personal information may be made outside of the terms herein to the extent provided for in any applicable privacy or other legislation in effect from time to time, or pursuant to court orders.


For more information on Consolidated Credit and privacy, please contact our Privacy Officer at: [email protected]. If you are unhappy with the way Consolidated Credit has processed your personal information, you have a right to complain to the Office of the Privacy Commissioner.

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