AN IMPORTANT MESSAGE ABOUT PROTECTING YOUR PRIVACY
Complete Retirement Solutions Inc. (CRS) and/or Gravitas Securities Inc. (GSI) earns your trust by adhering to privacy principles in protecting your personal information. This notice is provided on behalf of GSI and its related service providers.
DEFINITION OF PERSONAL INFORMATION
The term “personal information” refers to information that specifically identifies you as an individual and is provided to or collected by us. It includes, for example, your name and address, age and gender, personal information records, identification numbers such as your social insurance number (SIN), and your employment information. For business clients, “information” includes the above data plus names of officers, directors, owners, shareholders, jurisdiction of incorporation, financial information, and ownership structure.
WHY WE ASK FOR YOUR PERSONAL INFORMATION
From time to time, CRS and/or GSI may collect financial and other information about you. This information includes transaction-related details arising from your relationship with us and with third parties with whom you negotiate through us. We may obtain this information from a variety of sources, including from you, from our records, and from references you provide to us. Finally, we may also collect information from credit reporting agencies, other financial institutions or service providers. When you open an account with us, you authorize us to collect this information during the course of our relationship.
SHARING YOUR PERSONAL INFORMATION
The only occasions when we are permitted to disclose client information is when it is authorized by the client or required or permitted by law. We may use and share your personal information with our employees, third party service providers and other financial institutions, but they will not share this information with others. The information will only be used for the following purposes:
- to verify your identity and conduct background verification;
- to operate your account and provide you with products and services you may request;
- to better understand your financial situation;
- to set up, manage and offer products and services;
- if you provide us your social insurance number, we may share it with government authorities for tax purposes. We may share it with credit reporting agencies to ensure the accurate matching of credit history files; or
- if you select to disclose or specifically direct us to disclose your personal information to a third party (as in the case where you request a product, such as a mutual fund or a service from a third party, after receiving information or to securities issuers under National Instrument 54-101).
We may also use or share your personal information in order to meet the requirements of legal and securities regulatory authorities and self-regulatory organizations including, Insurance Companies, the Investment Industry Regulatory Organization of Canada, and the Canadian Investor Protection Fund (collectively, “SROs”). SROs collect, use or disclose such personal information obtained from registrants for regulatory purposes, including:
- surveillance of trading-related activity;
- sales, financial compliance, trade desk review and other regulatory audits;
- investigation of potential regulatory and statutory violations;
- regulatory databases;
- enforcement or disciplinary proceeding; and
- reporting to securities regulators.
GSI has summarized the ten principles, which have been built upon the values set by the Canadian Standards Association’s Model Code for the Protection of Personal Information and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).
CRS and GSI is responsible for maintaining and protecting client information under its control.
The purposes for which customer information is collected shall be identified before or at the time the information is collected.
The knowledge and consent of the customer are required for the collection, use or disclosure of customer information except where required or permitted by law.
LIMITS TO THE COLLECTION OF PERSONAL INFORMATION
CRS and GSI will limit the amount and type of personal information collected to which is necessary for its purpose. Personal information will be collected by fair and lawful means.
LIMITS TO THE USE AND DISCLOSURE OF PERSONAL INFORMATION
CRS and GSI will not use or disclose personal information for purposes other than those for which it was collected except with the consent of the individual or as required or permitted by law. Personal information will be retained only as long as necessary for the fulfillment of those purposes.
CRS and GSI will keep personal information as accurate, complete and up-to-date as necessary for its purposes.
SAFEGUARDING CUSTOMER INFORMATION
Customer information is protected by security safeguards that are appropriate to the sensitivity level of the information. Every CRS and GSI employee, as a condition of employment, takes responsibility for protecting customer privacy, confidentiality and security. This obligation remains in effect even after an employee leaves CRS and GSI. Suppliers of services to CRS and GSI, such as data processing firms, are required to sign contracts obligating them to protect the privacy and confidentiality of personal information provided to them, to enable them to perform their function. Appropriate controls are in place over computer systems and these controls are reviewed on an ongoing basis to ensure compliance with our security and privacy policies.
CRS and GSI will make available its review policies and procedures regarding management of personal information. CRS and GSI will ensure individuals are reasonably able to acquire information regarding policies and procedures and will make this information available in a form that is generally understandable.
Upon request in writing, clients shall be informed of the existence, use and disclosure of their information and shall be given access to it. Clients may verify the accuracy and completeness of their information, and may request that it be amended if appropriate.
HANDLING CUSTOMER COMPLAINTS AND SUGGESTIONS
Questions and concerns regarding personal information held by:
- CRS or about its compliance with the CRS Privacy Code, can be answered by the Privacy Officer at Complete Retirement Solutions Inc. For further information, send request by registered mail to Complete Retirement Solutions Inc., 4528 - 99 Street NW, Edmonton, AB T6H 5E5 Attention: General Counsel
- GSI or about its compliance with the GSI Privacy Code, can be answered by the Privacy Officer at Gravitas Securities Inc. For further information, please call (416) 367-0999 or email firstname.lastname@example.org
Notices and Disclaimers
Gravitas Securities Inc. (“GSI”) is a Member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund.
The information provided on this web site is for information only and is not intended to provide specific legal, financial, accounting, or other advice. Always consult with your GSI Investment Advisor, or your own financial professional before acting on any information from this or any other web site. The information contained in this web site is drawn from sources believed to be reliable, but the accuracy and completeness of the information cannot be guaranteed and it is subject to change without notice. GSI has no obligation to update or correct any information on this site.
NO ADVICE AND NO SOLICITATION
Nothing on this web site should be considered an offer or solicitation by GSI to buy or sell securities or any product or service. Any securities or products mentioned on this web site may not be available in all jurisdictions. Information about the products and services offered by GSI is intended for use only in jurisdictions where their sale or use is legal. Not all products and services are available in all provinces of Canada or in all countries. GSI may participate in an underwriting or hold positions in, or make markets in, securities mentioned in this web site. GSI may purchase and/or sell any securities mentioned on this web site for its own account as principal or as agent for clients.
GSI is not registered in all jurisdictions and may not be able to open accounts or effect trades for residents outside those jurisdictions. GSI is prohibited from accepting instructions to trade in securities from any individual normally resident in the United States of America subject to certain exemptions available under U.S Federal and State law.
LINKS AND SOFTWARE
Links to other web sites are provided for convenience and information purposes only and GSI has not endorsed, approved or reviewed these other sites and assumes no liability for their content. Linking to another site is at your own risk. Links to any site where software may be downloaded are for convenience only and GSI assumes no responsibility for difficulties in downloading, installing or using such software. Use of any software downloaded is subject to any applicable licensing agreement. GSI does not support and software downloaded from GSI assumes no responsibility and is liable for any damages to, or viruses that may infect, your computer or other equipment as a result of use of this web site or any downloading of any files, text, or images from this web site.
Canadian laws apply to this web site and to any use of this web site by any user, without regard to the citizenship, residence or physical location of the user. The user of this site submits and attorns to the exclusive jurisdiction of the courts of the Province of Alberta to determine any proceeding arising out of the use of this site.