Belmont Village Financial Group GIC GICs GIC's Mutual Funds Financial Planning Kitchener Waterloo

Privacy and Cookies

Belmont Village Financial Group Ltd. respects the privacy of the people we deal with and we uphold high standards of privacy practice and security. This policy explains how we handle personal information and how we interact with you online.
Whenever we handle personal information, we take steps to ensure that appropriate standards of privacy practice and security are applied.
Belmont Village Financial Group Ltd. Privacy Policy sets out why we need to collect personal information, how we collect it, what we do with it, how it’s stored and who we might share it with. The Policy also describes how you can access or correct information we hold about you, how you can ask further questions or make a complaint, and information about our websites and online activities.

The information we collect
For most products and services it is necessary for us to collect ‘personal information’ such as your name, identity details, photos, contact details, transaction information and other personal details where needed (such as gender, marital status and financial information).

Health Information
We collect your health information where we offer you products with an insurance component or in assessing certain claims, including hardship. We do not use or share that information for any purpose other than the underwriting or administration of your policy, claim or account, or as otherwise notified to you at the time we collect your information.

Sensitive Information
Generally, we do not collect sensitive information about you unless required by law or where you consent for us to do so (only where it is relevant to your product). Sensitive information includes information relating to:
• race
• political or religious beliefs
• sexual preferences
• criminal convictions
• membership of professional or trade associations or unions
• biometric and health information
We may collect information about your affiliation with certain organizations, such as professional associations.

Why we collect personal information
We collect personal information about you which is reasonably necessary to:

  • provide you with quality products or services. This may include consumer facing services conducted by Belmont Village Financial Group Ltd. (such as consumer banking, insurance or wealth advisory services) or services and advice provided by entities involved in the various investment activities undertaken by Belmont Village Financial Group Ltd. and its related entities
  • consider applications and approaches you make to us
  • conduct marketing and social functions
  • maintain your contact details
  • fulfill our legal obligations, such as those relating to taxation and anti-money laundering and counter-terrorism financing or as otherwise authorized by you.

Without such information, we may not be able to process your application or provide you with an appropriate level of service.

How we collect your information
We collect personal information about you directly from you – this can be in person, in documents you give us, from telephone calls, emails, competitions you enter, your access to our website or from transactions you make.We may also collect your personal information from third parties including public sources, your adviser(s), employer (or its affiliates), agents, referrers, brokers, our related companies and service providers (including credit reporting bodies and information service providers).

How we store your information

We keep personal information in physical and electronic records, at our premises and the premises of our service providers, which may include storage on the cloud. Where this occurs, we take steps to protect personal information against misuse or loss.
We also keep records of our interactions with you (including by telephone, email and online), your transaction history and your inquiries or complaints.

How we use your information
We use personal information about you for the purpose for which it was provided to us, including to:

  • process applications
  • administer and manage our products and services (including monitoring, auditing, and evaluating those products and services)
  • model and test data (in a controlled environment)
  • develop scores, risk assessments and related analytical tools
  • communicate with you and deal with or investigate any complaints or inquiries

We may also:

  • de-identify your data for our own purposes including market research, new product development and fraud mitigation
  • use your personal information for related purposes which would reasonably be expected without your permission. For example, we may from time to time use your personal information to inform you of investment opportunities or to provide information about products and services which we expect may be of interest to you. However, if you don’t want to receive such communications you can tell us by using any of the methods listed below.

While we may sometimes share personal information with companies we do business with (e.g. in product development, joint venture arrangements or distribution arrangements), we do not sell personal information for marketing purposes to other organizations or allow such companies to do this.

When your information is disclosed
We may share personal information within Belmont Village Financial Group Ltd., and may disclose personal information outside Belmont Village Financial Group Ltd.:

  • as required by law or regulations, such as those relating to anti-money laundering and counter-terrorism financing or as required by a regulator
  • to our service providers, who provide services in connection with our products and services (including archival, auditing, accounting, customer contact, legal, business consulting, banking, payment, delivery, data processing, data analysis, information broking, mailing, marketing, research, investigation, insurance, identity verification, brokerage, maintenance, trustee, securitization, website and technology services)
  • to your nominated financial adviser with your permission
  • as contained in the terms and conditions of our product or service.
    We may also disclose your personal information (on a confidential basis) in connection with the undertaking of our principal investment activities including, but not limited to, acquisitions, mergers, divestments, and the management of any parts of our business or assets, and the provision of any debt to another party.
    In some circumstances the parties to whom we disclose personal information may operate outside of Canada – this includes locations in the countries listed in the Appendix. Where this occurs, we take steps to protect personal information against misuse or loss.

Keeping information accurate and up to date
We take reasonable steps to ensure that all information we hold is as accurate as is possible. You are able to contact us at any time and ask for its correction if you feel the information we have about you is inaccurate or incomplete.

Keeping information secure
We use security procedures and technology to protect the information we hold. Access to and use of personal information within Belmont Village Financial Group Ltd. seeks to prevent misuse or unlawful disclosure of the information – this includes internal policies, auditing, training and monitoring of staff.
If other organizations provide support services, we require them to appropriately safeguard the privacy of the information provided to them.
Where the personal information we collect is no longer required, we delete the information or permanently de-identify it in accordance with relevant laws and our records management policy.

How you can access or correct your information
You can contact us to request access to or correction of your personal information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why (if we can). Where we decide not to make a requested correction to your personal information and you disagree, you may ask us to make a note of your requested correction with the information.

Dealing with Belmont Village Financial Group Ltd. online
When you visit Belmont Village Financial Group Ltd. websites you will browse anonymously unless you have logged into a client portal or accessed the website from a personalized communication from Belmont Village Financial Group Ltd.

For all visitors to our web site, we use cookies to collect anonymous information such as the server your computer is logged on to, your browser type (for example, Internet Explorer, Chrome or Firefox), and your IP address. (An IP address is a number that is assigned to your computer automatically and required for using the Internet). We may also derive the location associated with an IP address.
Once you have logged into a Belmont Village Financial Group Ltd. portal, accessed our website from an e-mail or other personalized communication sent to you, or provided us with personal information by completing a form online, we may be able to identify you and we may combine that with other information in order to provide you with a better online experience. If you would prefer not to be identified you can delete the cookies and reconfigure the cookie preferences on your internet browser (see below).
Cookies A ‘cookie’ is a packet of information placed on a user’s computer by a website for record keeping purposes. While cookies are not considered personal information, they are generally used on Belmont Village Financial Group Ltd. sites to:

  • access online services – if you log into our secure areas on our website we will use cookies to authorize your access and save your preferences
  • manage advertising – when you see one of our ads on a third party website, cookies are sometimes used to collect anonymous information about the page you visit and the type of software you are using
  • monitor traffic – we use anonymous information to track how people are using the Belmont Village Financial Group Ltd. site. This may include time of visit, pages visited and some system information about the type of computer you are using
  • monitor your use of our website – if we have identified you as a result of you logging into a Belmont Village Financial Group Ltd. client portal, accessing our website from a personalized communication or providing us with personal information by completing a form online, we may use cookies to collect personal information about you.
    You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. (Each browser is different, so check the menu of your browser to learn how to change your cookie preferences).

If you disable the use of cookies on your web browser or remove or reject specific cookies from Belmont Village Financial Group Ltd. websites or linked sites, then you may not be able to gain access to all of the content and facilities on those websites.

Contact us

If you have any questions or complaints regarding privacy or information handling, please write to or contact us by phone at 519-744-3020.
Please mark communications to the attention of our Privacy Officer. We will respond to let you know who will be handling your matter and when you can expect a further response.

If your concerns are not resolved to your satisfaction, you may be able to escalate your complaint to an external dispute resolution scheme or to a regulatory authority. We can provide details of the appropriate scheme/regulator for you, as these may vary by jurisdiction or product.

Policy updated June 2015

Appendix – Disclosure to other countries
Personal information may be disclosed to Belmont Village Financial Group Ltd. entities and third parties in jurisdictions including: Australia; Austria; Brazil; Canada; China; Denmark; France; Germany; Hong Kong; India; Indonesia; Ireland; Japan; Luxembourg; Malaysia; Mexico; Netherlands; New Zealand; Philippines; Russia; Singapore; South Africa; South Korea; Spain; Switzerland; Taiwan; Thailand; United Arab Emirates; United Kingdom; United States of America.

Share this information...
Email this to someoneShare on FacebookTweet about this on TwitterShare on LinkedInShare on Google+Share on RedditPin on Pinterest