Privacy Policy

Provincial and Federal laws exist to protect an individual from having his personal information misused. These laws came into effect on January 1, 2004.

If we discuss an informal proposal with some or all of your creditors, we may disclose certain personal and financial information to your creditors, including a list of monthly expenses. We will disclose to each creditor only as much information as is needed to perform our services.

If you decide to enter into a formal proposal with the assistance of a licensed trustee, we will provide certain documents containing personal and financial information to the trustee. The trustee will file certain of this information with the Office of the Superintendent of Bankruptcy, a federal government agency, to initiate protection for you under the Bankruptcy and Insolvency Act (the “Act”). It will be necessary to notify your creditors of your legal status as a debtor under the proposal provisions of the Act. They will also have access to certain documents, including your Statement of Affairs.

In the course of assisting you in restructuring your debts, we will be required, in certain circumstances, to obtain information or assets from third parties, for example, assets and security interest registries, government departments, banks, insurance companies, professional advisors and purchasers of assets.

4 Pillars Consulting Group Privacy Policy

The Personal Information Protection Act (“the Act”) regulates the way private sector organizations within British Columbia collect, use, keep, secure and disclose personal information. “Personal Information” means all information about an identifiable individual. 4 Pillars recognizes the importance of privacy and recognizes the sensitivity of personal information received by us in the course of our consulting practice.

We recognize our obligation to maintain the confidentiality of our clients’ information, and recognize our obligations concerning the personal information of all individuals that we collect, use or disclose in our business. This policy has been developed with those obligations in mind. It is applicable to all 4 Pillars Consulting Group franchisees as a condition of their franchise agreement with Four Pillars Consulting Group Inc.

Our Need for Personal Information

In order to be able to assist our clients, we need access to all relevant facts and information that relate to the financial situation of our clients. This information will necessarily include personal information about our clients and about individuals other than our clients.

Collection, Use and Disclosure of Personal Information

Where practical, we endeavour to collect personal information directly from the person to whom the information relates. When necessary, we will collect personal information from other sources.

By engaging the services of 4 Pillars, an individual consents to our necessary collection, use or disclosure of the individual’s personal information in order to properly assist the individual.

It is our policy to collect personal information about individuals other than our clients in accordance with the provisions of the Personal Information Protection Act.

The Act deems that an individual has consented to our collection, use or disclosure of personal information about that individual if, at the time the consent is deemed to be given, the purpose would be considered obvious to a reasonable person. In such circumstances, we will collect, use or disclose personal information without obtaining a written or verbal consent to do so.

The Act also permits us to collect, use or disclose personal information about an individual in some circumstances without the individual’s consent. Those include (but are not limited to) circumstances in which:

• the collection, use or disclosure is clearly in the interests of the individual and consent cannot be obtained in a timely way;
  
• it is reasonable to expect that the collection or use of personal information with the consent of the individual would compromise the availability or accuracy of the information, and the collection or use of the information is necessary for an investigation or proceeding
• it is reasonable to expect that the disclosure of personal information with the consent of the individual would compromise an investigation or proceeding, and the disclosure of the information is necessary for an investigation or proceeding;
  
• the personal information is available to the public from a prescribed source;
  
• the collection, use or disclosure of personal information is required or authorized by law.
  

When we collect, use or disclose personal information, we will make reasonable efforts to ensure that it is accurate and complete.

Security of Personal Information

We recognize our obligation to protect the confidential information of our clients. We recognize as well our obligation to protect the personal information we have gathered about our clients and about other individuals as part of providing our services. We have therefore made arrangements to secure against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction of personal information.

Requests for Access to Personal Information

The Act permits individuals to submit written requests to us to provide them with:

• their personal information under our custody or control;
  
• information about how their personal information under our control has been and is being used by us;
  
• the names of the individuals and organizations to whom their personal information under our control has been disclosed by us.

We will respond to requests in the time allowed by the Act and will make a reasonable effort to assist applicants and to respond as accurately and completely as reasonably possible. All requests may be subject to any fees and disbursements the law permits us to charge.

An individual’s ability to access his or her personal information under our control is not absolute. The Act provides that we must not disclose personal information when:

• the disclosure could reasonably be expected to threaten the safety or physical or mental health of an individual other than the individual who made the request;
  
• the disclosure can reasonably be expected to cause immediate or grave harm to the safety or to the physical or mental health of the individual who made the request;
  
• the disclosure would reveal personal information about another individual;
  
• the disclosure would reveal the identity of an individual who has provided personal information about another individual and the individual providing the personal information does not consent to disclosure of his or her identity.

The Act further provides that we are not required to disclose personal information when:

• the disclosure of the personal information would reveal confidential commercial information that, if disclosed, could, in the opinion of a reasonable person, harm the competitive position of an organization;
• the personal information was collected or created by a mediator or arbitrator in the conduct of a mediation or arbitration for which he or she was appointed to act:

  (i) under a collective agreement,

  (ii) under an enactment, or

  (iii) by a court.

Requests for Correction of Personal Information

The law permits individuals to submit written requests to us to correct errors or omissions in their personal information that is in our custody or control. We will:

• correct the personal information and, if reasonable to do so, send correction notifications to any other organizations to whom we disclosed the incorrect information; or
  
• decide not to correct the personal information, but annotate the personal information that a correction was requested but not made.

Franchise Licensing

4 Pillars Consulting Group locations in Canada are independently owned and operated by licensed franchisees of Four Pillars Consulting Group Inc., the franchisor of the 4 Pillars™ system in Canada. 4 Pillars™, 4 Pillars Consulting Group™ and other 4 Pillars™ trademarks are owned by 4 Pillars Consulting Group Inc. and are used under license.

Contacting or Communicating with Us

If you have any questions with respect to our policies concerning the handling of your personal information, or if you wish to request access to, or correction of, your personal information under our care and control, please contact our Privacy Officer at:

4 Pillars Consulting Group Inc.
2300 – 2850 Shaughnessey St.
Port Coquitlam , BC V3C 6K5

Attention: Privacy Officer

If you are dissatisfied with our handling of your personal information, we invite you to contact our Privacy Officer in writing, setting out the reasons for your concern. If, after our Privacy Officer has reviewed and responded to your concern, you remain dissatisfied, you may wish to contact the Office of the Information and Privacy Commissioner at:

P.O. Box 9038 , Stn Prov Govt
Victoria; BC V8W 9A4
Telephone (250) 387-5629
Fax (250) 387-1696