Privacy Statement — PCM
Our Commitment to Privacy
The Policy of Priority Credit Management Corp (PCM) is committed to maintaining the security, confidentiality and privacy of personal information. PCM adheres to the Canadian Privacy Act (PIPEDA)
Scope of Policy
This Policy applies to PCM and any other affiliates from time to time in respect of activities that are subject to federal and provincial privacy legislation. References to “PCM,” “we” or “us” in this policy include PCM.
This Policy addresses personal information about our clients, service providers and other individuals. It does not apply to information collected, used or disclosed with respect to corporate or commercial entities. This Policy does not apply to the collection, use or disclosure of the following information by PCM:
Business contact information;
Publicly available information recognized under applicable privacy legislation;
PCM is responsible for personal information under its control. We have designated a Privacy Commissioner who is responsible for PCM compliance with this Policy.
Upon or before collecting information, PCM will state the purpose of collection, unless the purpose is obvious, and will provide, on request, contact information for the Privacy Commissioner who can answer questions about the collection.
We collect, use and disclose personal information for purposes authorized or required by applicable privacy legislation or other law and for the following purposes:
To provide collection services;
To establish and maintain client and supplier relationships, which may include evaluating credit standing and obtaining and providing credit information and credit reports;
To fulfill legal duties and avoid conflicts of interest;
To share information with third parties for the purpose of providing collection services, including data service providers, printers, registry agents, other suppliers of products and services, opposing counsel, foreign counsel, witnesses and experts;
To manage and develop our business and operations;
To detect and protect PCM, yourself and others from error, negligence, fraud or other illegal activity, which may include providing information to insurers;
To provide information to anyone working with or for PCM as needed for the provision of our services;
To issue invoices, process payments and collect debts owed to PCM;
To engage in business transactions, including the sale, transfer, securitization, financing or other disposition of assets or liabilities of PCM;
To comply with legal and regulatory requirements.
The above collections, uses and disclosures are a necessary part of your relationship with us.
We may also use your personal information for the following additional purposes:
To offer you additional or alternative services and we may add it to client lists which we prepare and use for this purpose;
To provide you with newsletters, bulletins, information about upcoming seminars and other general information about areas of law and about PCM;
To contact you for survey purposes.
If you do not want us to use your personal information for these additional purposes you may at any time by provide written notice to the PCM Privacy Commissioner. You will not be refused services merely because you advised PCM to stop using information in these ways.
Before using or disclosing personal information for a purpose not previously identified, we will identify the new purpose and obtain your consent unless the use or disclosure is authorized or required by law.
We will obtain your consent to collect, use or disclose personal information except where we are authorized or required by law to do so without consent. For example, we may collect, use or disclose personal information without your knowledge or consent where:
*The personal information is publicly available from a prescribed source, such as a telephone directory;
PCM is collecting or paying a debt;
It is reasonable to expect that obtaining consent would compromise an investigation or proceeding.
Your consent can be express, implied or given through an authorized representative such as a lawyer, agent or broker.
You may withdraw consent at any time, subject to legal or contractual restrictions, provided that reasonable notice of withdrawal of consent is given to PCM. On receipt of notice of withdrawal of consent, we will inform you of the likely consequences of the withdrawal of consent, which may include our inability to provide services for which that information is necessary.
4. Limits on Collection of Personal Information
We will not collect personal information indiscriminately and will limit collection of personal information to that which is reasonable and necessary to provide our services and which is reasonable and necessary for the purposes consented to by you. PCM also collects personal information as authorized or required by law.
5. Limits for Using, Disclosing and Retaining Personal Information
Your personal information will only be used or disclosed for the purposes set out above and as authorized by law.
We will keep personal information used to make a decision affecting an individual for at least one year after using it to make the decision.
We will destroy, erase or make anonymous documents or other records containing personal information as soon as it is reasonable to assume that the original purpose is no longer being served by retention of the information and retention is no longer necessary for legal or business purposes.
We will take due care when destroying personal information so as to prevent unauthorized access to the information.
We will make reasonable efforts to ensure that personal information we collect, use or disclose is accurate and complete. In some cases, we rely on you to ensure that certain information, such as your address or telephone number, is current, complete and accurate.
If you demonstrate the inaccuracy or incompleteness of personal information, we will amend the information as required. If appropriate, we will send the amended information to third parties to whom the information has been disclosed.
When a challenge regarding the accuracy of personal information is not resolved to your satisfaction, we will annotate the personal information under our control with a note that the correction was requested but not made.
7. Safeguarding Personal Information
We recognize our professional and legal obligations to protect the confidential information of our clients. We recognize as well our legal obligations to protect the personal information we have gathered about our clients and about other individuals during the course of our business.
We have therefore made arrangements to secure against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction of personal information.
Please note that confidentiality and security are not assured when information is transmitted through e-mail or other electronic communication. We will not be responsible for any loss or damage as a result of a breach of security and/or confidentiality when you transmit information to us by e-mail or other electronic communication or when we transmit such information by such means at your request.
PCM is open about the policies and procedures it uses to protect your personal information. Information about these policies and procedures will be made available. However, to ensure the integrity of our security procedures and business methods, we do not disclose sensitive information about our policies and procedures.
9. Providing Access
In some situations, we may not be able to provide access to certain personal information. This may be the case where, for example, disclosure would reveal personal information about another individual, the personal information is protected by solicitor/client privilege, the information was collected for the purposes of an investigation, disclosure of the information would reveal confidential commercial information that, if disclosed, could harm the competitive position of PCM, or we prevented by law from providing access to certain personal information.
We may charge a reasonable fee for providing information in response to an access request and will provide an estimate of any such fee upon receiving an access to information request. We may require a deposit for all or part of the fee. We will make the information available within 30 days or provide written notice where additional time is required to fulfill the request.
Where an access request is refused, we will notify you in writing, document the reasons for refusal and outline further steps, which are available to you.
11. Web Site
PCM will, on request, provide information regarding its complaint procedures.
Privacy enquires should be directed in writing to the following address:
17315 108 Ave., N.W.
Edmonton, AB T5S 1G2