Invermac Financial Services (“Invermac,” “we,” “us” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain and protect personal information when you visit invermacbiz.com, contact us, book an appointment or inquire about our services.

This policy should be read together with any engagement letter, consent form or service agreement that applies when you become an Invermac client.

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1. Personal Information We May Collect

Depending on how you interact with us, we may collect:

• Your name, address, telephone number and email address

• Information submitted through contact, appointment or inquiry forms

• Details about the services in which you are interested

• Appointment and communication records

• Financial, tax, identification and business information provided when engaging our services

• Payment and transaction information

• Communications and documents exchanged with Invermac

• Technical information such as your IP address, browser, device, referring page and website activity

• Marketing preferences and records of consent

Please do not submit your Social Insurance Number, tax slips, banking information or other sensitive documents through a general website contact form or ordinary email unless Invermac has specifically instructed you to use an approved secure method.

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2. How We Collect Information

We may collect personal information:

• Directly from you through the website, telephone, email, text message or in-person communication

• When you schedule an appointment or engage our services

• Through documents and information you provide

• From an authorized representative acting on your behalf

• From government agencies, financial institutions or other parties when authorized by you or permitted by law

• Automatically through cookies, analytics and similar technologies used on our website

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3. Why We Use Personal Information

We may use personal information to:

• Respond to questions and service inquiries

• Schedule and manage appointments

• Confirm your identity and maintain client records

• Assess your service requirements

• Prepare tax returns and provide bookkeeping or related business services

• Communicate with the Canada Revenue Agency when authorized

• Coordinate strategic financial-planning or referral services requested by you

• Process payments and maintain accounting records

• Improve our website, services and client experience

• Send administrative notices, reminders and service updates

• Send promotional emails or text messages where we have the consent or other legal authority required

• Detect, investigate or prevent fraud, misuse and security incidents

• Fulfil contractual, professional, legal and regulatory responsibilities

We will not use personal information for an unrelated purpose without obtaining additional consent unless the use is permitted or required by law.

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4. Consent and Choices

Invermac obtains consent appropriate to the sensitivity of the information and the circumstances in which it is collected.

You may withdraw your consent, subject to reasonable notice and any legal or contractual restrictions. Withdrawing consent may prevent us from providing a requested service.

You may unsubscribe from promotional electronic messages at any time by using the unsubscribe method provided in the message or by contacting us. Service-related communications, such as appointment notices or information concerning an active engagement, may continue where necessary.

 

5. When We May Disclose Information

We do not sell or rent personal information.

We may disclose personal information to:

• Employees and authorized representatives who require it to perform their duties

• Technology, website-hosting, data-storage, payment-processing and communication providers

• Professional advisers, contractors or service providers assisting Invermac

• The Canada Revenue Agency or another government body when authorized or legally required

• Financial, insurance, mortgage, legal or other professionals when you request or consent to a referral

• A purchaser or successor in connection with a proposed or completed business transaction, subject to appropriate confidentiality protections

• Law-enforcement, regulatory or government authorities when disclosure is required or permitted by law

Service providers are expected to use personal information only for the services they provide to Invermac and to apply appropriate safeguards.

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6. Service Providers Outside Canada

Some service providers may process or store personal information outside Ontario or Canada. Information handled in another jurisdiction may be accessible to courts, law-enforcement agencies or government authorities under that jurisdiction’s laws.

You may contact us for additional information about our use of service providers outside Canada.

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7. Cookies and Website Analytics

Our website may use cookies and similar technologies to:

• Operate essential website functions

• Remember preferences

• Understand website traffic and performance

• Identify technical problems

• Evaluate the effectiveness of communications or advertising

You can adjust your browser settings to restrict or reject cookies. Some website features may not function properly if cookies are disabled.

If Invermac uses non-essential analytics or advertising cookies, appropriate notice and consent options should be provided through the website’s cookie controls.

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8. Safeguards

Invermac uses administrative, physical and technical safeguards appropriate to the sensitivity of the personal information under our control. These may include access restrictions, confidentiality requirements, secure storage, authentication controls, software protections and secure methods for transmitting sensitive documents.

No internet transmission or storage system can be guaranteed to be completely secure. Clients should use only the document-delivery methods approved by Invermac for sensitive information.

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9. Retention and Destruction

We retain personal information only for as long as reasonably required to:

• Provide services

• Maintain business and client records

• Meet tax, accounting, legal and regulatory obligations

• Address disputes, complaints or potential claims

• Enforce agreements

When information is no longer required, we take reasonable steps to destroy, delete or anonymize it securely.

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10. Accessing or Correcting Your Information

Subject to applicable legal exceptions, you may request access to the personal information Invermac holds about you and ask that inaccurate or incomplete information be corrected.

We may need to verify your identity before responding. In some circumstances, access may be limited where disclosure would reveal another person’s information, confidential business information or information protected by legal privilege, or where another legal exception applies.

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11. Privacy Incidents

If a security breach creates a real risk of significant harm, Invermac will take the steps required by applicable law, which may include notifying affected individuals and reporting the incident to the appropriate authority.

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12. Children’s Privacy

This website and Invermac’s services are not directed toward children who are independently seeking services. A parent, guardian or legally authorized representative should contact us when services concern a minor.

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13. Third-Party Websites

Our website may contain links to external websites or services. Invermac does not control those third parties and is not responsible for their privacy practices. Please review the privacy policy of each external website you visit.

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14. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices, services, technology or legal obligations. The revised policy will be posted on this website with a new “Last updated” date.

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15. Contacting Invermac Financial Services

Questions, access requests, corrections or privacy complaints may be directed to:

Privacy Officer
Invermac Business Services
15 Skyridge Rd, Toronto, ON M1E4N7
Telephone: 416-283-3711
Email: invermac.admin@gmail.com

the Privacy Commissioner of Canada.