Charlie Finance Inc. ("Charlie Finance," "we," "our," or "us") is committed to ensuring the protection and privacy of the personal information you provide or that we collect when you visit our website or interact with us. In this regard, this privacy policy (hereinafter referred to as the "Policy") is designed to inform you about the personal information we collect and how we use, disclose, and safeguard such information. The Policy is designed to comply with applicable laws concerning the protection of personal information.

1. Categories of Personal Information
In this Policy, "personal information" refers to all information about an identifiable individual, whether directly or indirectly, which may include, but is not limited to:
- Your contact information, such as your name, first name, postal address, email address, and phone number.
- Your financial information, such as income details, salary, other benefits, tax returns, including your social insurance number.
- Recruitment-related information, such as a resume, educational and employment history, educational credentials, details about professional affiliations, and other relevant information related to potential employment.
- Billing and financial information, such as billing address, bank account information, or payment data.
- Service-related information, such as details about services we have provided to you.
- Information provided by our clients or on their behalf, including special categories of personal information when required (such as racial or ethnic origin, political opinions, religious or philosophical beliefs, union membership, health or sexual orientation, etc.).
- Identification and other background verification data, such as a copy of a driver's license, passport, utility bill, proof of ultimate ownership, or source of funds information required to comply with anti-money laundering laws, collected as part of our onboarding and ongoing monitoring procedures.
- Marketing information and communication preferences.
- Data about your browser's cookies related to your use of our website or portals, including your IP address, identifier, language preference, date and time of visits, and pages viewed. For more information on this, please refer to our cookie policy. Any other personal information about you or third parties that you provide to us.
We do not knowingly collect information from children or other individuals under the age of 14. If you are a minor under the age of 14, please do not provide us with personal information without the express consent of a parent or guardian. If you are a parent or guardian and you know that your children have provided us with personal information, please contact us.

2. Collection of Personal Information
We may collect personal information directly from you when you visit our website, do business with us, or interact with us. We may also collect personal information indirectly from various sources, including but not limited to sources specified in any agreement between you or an agent acting on your behalf and us, your current or former employer(s), financial institutions, personal information agents, placement agencies, consumer reporting agencies, credit rating agencies, government agencies, or from your authorized representatives, such as your financial advisor, any individuals you may have provided as references, or any other source necessary to provide our services.

3. Use of Personal Information
The personal information we collect is only used for the purposes stated at the time of collection or as otherwise permitted or required by applicable laws, including but not limited to:

3.1 Providing services to our clients: We may use personal information to provide our services, conduct our business, including fulfilling our obligations under any agreements with you. In the course of providing professional services to our clients, we may process personal information of individuals with whom we do not have a direct (contractual or other) relationship. In such cases, we ask our clients to confirm that they have the authority to provide us with personal information for the purposes of providing the services, and that such data has been processed in compliance with all applicable privacy laws.

3.2 Complying with legal and regulatory obligations: We may also use personal information to comply with our legal, regulatory, tax, accounting, or reporting obligations, as well as our reporting obligations under applicable laws and regulations.

3.3 Managing our business: Personal information may be used to manage our business, including internal purposes such as accounting, auditing, document management, risk management, business planning, financial and statistical analysis, reporting, and quality control.

3.4 Communicating with you: Personal information may be used to communicate with you about our services, your records, your account, or other matters related to our business relationship.

3.5 Responding to inquiries and service requests: Personal information may be used to respond to your inquiries or service requests.

3.6 Marketing and promotion: We may use personal information to send you marketing information, such as newsletters, event invitations, special offers, or other information that may be of interest to you.

3.7 Improving our services: Personal information may be used to improve our services, websites, products, and communications.

3.8 Authorized or required by law: Personal information may be used for other purposes authorized or required by law.

4. Disclosure of Personal Information
We will not disclose your personal information to third parties except as described in this Policy or with your express consent, or as required or permitted by law. We may disclose personal information to third parties, including:

4.1 To our employees, agents, contractors, and service providers: We may disclose personal information to our employees, agents, contractors, and service providers to the extent necessary for them to provide services on our behalf or perform their duties.

4.2 To our clients: We may disclose personal information to our clients as part of the provision of professional services.

4.3 Cross-border communication: Some of these third parties may be located in Canada or other jurisdictions or countries, and as a result, your personal information may be processed, accessed, or stored outside of Canada. They may also disclose information in response to valid requests from governments, regulatory authorities, courts, and law enforcement authorities in those jurisdictions or countries, in accordance with the applicable laws in those jurisdictions or countries.

5. Retention
We will retain your personal information for as long as it is necessary for the purposes for which it was collected, subject to legislative and professional requirements regarding the retention of certain types of information.

6. Consent
We ensure that you understand the purposes for which we use or disclose your personal information. Your consent may be explicit, implicit, or provided by your authorized representative. By using our website or submitting your personal information to us, you consent to this Policy and the collection, use, disclosure, and storage of your personal information in accordance with this Policy. Unless otherwise provided by law, you may withdraw your consent to the communication or use of the information collected by contacting us using the contact information provided in the "Contact Us" section. In some cases, withdrawing your consent may affect the services offered to you or the functionality of our website or portals.

7. Security Measures
We follow generally accepted and recognized standards to protect personal information. We maintain physical, organizational, contractual, and technological security measures to protect your information against accidental or unlawful destruction, accidental loss, alteration, unauthorized disclosure, or access, unlawful or other unlawful forms of processing of personal information in our possession. We take steps to ensure that only authorized individuals who need to know the personal information, or whose duties reasonably require them to know it, have access to it. Third parties to whom personal information is disclosed must comply with the security measures we have put in place. Despite the measures described above, no method of transmission over the Internet, or method of electronic storage, is entirely secure. Therefore, we cannot guarantee the absolute security of your personal information. If you have reason to believe that your personal information has been compromised, please contact our Chief Privacy Officer immediately using the contact information provided in the "Contact Us" section.

8. Links to Third-Party Websites
For your convenience, our websites may provide links to third-party websites or parts of their websites. We have no control over the content or operation of these websites or the privacy practices of their operators. Therefore, any personal information you submit through these websites is governed by the privacy policies of those sites. It is your responsibility to inquire about their policies for protecting information about you.

9. Your Rights Regarding Your Personal Information
In certain circumstances and in accordance with applicable laws, you have a number of rights regarding your personal information. Upon written request, you have the following rights with respect to your personal information:
- Access: You may be informed of the existence, use, and disclosure of your personal information and have access to this personal information within a reasonable time. You may also request that your computerized information be provided in written and intelligible form.
- Correction: You have the right to have your personal information corrected, modified, and updated if it is incomplete, out of date, or inaccurate.
- Withdrawal of Consent: You have the right to withdraw or modify your consent to the communication or use of your personal information at any time, subject to applicable legal and contractual restrictions.
- Deindexing: You have the right to ask us to stop publishing your personal information and to deindex any links associated with your name that provide access to that information if such publication violates the law or a court order.
You have the right to file a complaint with the Access to Information Commission, subject to conditions set out in applicable law.

10. Contact Us
For any questions, concerns about this Policy, or regarding the protection of your personal information, to exercise your rights, or to file a complaint, please contact our Chief Privacy Officer by email at support@charliefinance.ca. Please provide sufficient details in any correspondence to allow us to identify the information you wish to access or have corrected, if applicable. We recommend securing your emails. Please note that we may request verification of your identity before responding to your request.

11. Updates
We reserve the right to modify this Policy at any time. Any changes to the Policy will take effect when we publish the revised version on our website. By continuing to interact with us after the publication of the modified version of the Policy, you accept the changes made to it. Therefore, we encourage you to regularly review this Policy to stay informed about how we handle your personal information. The date at the bottom of the Policy indicates the date of its last revision.


Charlie Finance Inc. (« Charlie Finance », « nous », « notre » ou « nos ») s'engage à assurer la protection et la confidentialité des informations personnelles que vous fournissez ou que nous collectons lorsque vous visitez notre site Web ou interagissez avec nous. . À cet égard, cette politique de confidentialité (ci-après dénommée la « Politique ») est conçue pour vous informer sur les informations personnelles que nous collectons et sur la manière dont nous utilisons, divulguons et protégeons ces informations. La Politique est conçue pour se conformer aux lois applicables concernant la protection des informations personnelles.

1. Catégories d'informations personnelles
Dans la présente Politique, « informations personnelles » désigne toutes les informations sur une personne identifiable, que ce soit directement ou indirectement, qui peuvent inclure, sans toutefois s'y limiter :- Vos informations de contact, telles que votre nom, prénom, adresse postale. , adresse e-mail et numéro de téléphone.- Vos informations financières, telles que les détails de vos revenus, votre salaire, d'autres avantages, vos déclarations de revenus, y compris votre numéro d'assurance sociale.- Informations liées au recrutement, telles qu'un curriculum vitae, vos antécédents scolaires et professionnels, vos diplômes. , des détails sur les affiliations professionnelles et d'autres informations pertinentes liées à un emploi potentiel.- Informations de facturation et financières, telles que l'adresse de facturation, les informations de compte bancaire ou les données de paiement.- Informations relatives au service, telles que des détails sur les services que nous vous avons fournis. .- Informations fournies par nos clients ou en leur nom, y compris des catégories particulières d'informations personnelles lorsque cela est requis (telles que l'origine raciale ou ethnique, les opinions politiques, les croyances religieuses ou philosophiques, l'appartenance syndicale, la santé ou l'orientation sexuelle, etc.).- Identification et d'autres données de vérification des antécédents, telles qu'une copie d'un permis de conduire, d'un passeport, d'une facture de services publics, d'une preuve de propriété finale ou d'informations sur la source des fonds requises pour se conformer aux lois anti-blanchiment d'argent, collectées dans le cadre de nos procédures d'intégration et de surveillance continue. .- Informations marketing et préférences de communication.- Données sur les cookies de votre navigateur liés à votre utilisation de notre site Web ou de nos portails, y compris votre adresse IP, votre identifiant, votre préférence linguistique, la date et l'heure des visites et les pages consultées. Pour plus d’informations à ce sujet, veuillez vous référer à notre politique en matière de cookies. Toute autre information personnelle vous concernant ou concernant des tiers que vous nous fournissez. Nous ne collectons pas sciemment d'informations auprès d'enfants ou d'autres personnes de moins de 14 ans. Si vous êtes un mineur de moins de 14 ans, veuillez ne pas nous fournir d'informations personnelles. informations sans le consentement exprès d’un parent ou d’un tuteur. Si vous êtes un parent ou un tuteur et que vous savez que vos enfants nous ont fourni des informations personnelles, veuillez nous contacter.

2. Collecte d'informations personnelles
Nous pouvons collecter des informations personnelles directement auprès de vous lorsque vous visitez notre site Web, faites affaire avec nous ou interagissez avec nous. Nous pouvons également collecter des informations personnelles indirectement à partir de diverses sources, y compris, mais sans s'y limiter, les sources spécifiées dans tout accord entre vous ou un agent agissant en votre nom et nous, votre (vos) employeur(s) actuel(s) ou ancien(s), les institutions financières, les agents de renseignements personnels, les agences de placement. agences, agences d'information sur la consommation, agences de notation de crédit, agences gouvernementales ou auprès de vos représentants autorisés, tels que votre conseiller financier, toute personne que vous avez pu fournir comme références, ou toute autre source nécessaire pour fournir nos services.

3. Utilisation des informations personnelles
Les informations personnelles que nous collectons sont utilisées uniquement aux fins indiquées au moment de la collecte ou dans la mesure permise ou requise par les lois applicables, y compris, mais sans s'y limiter :

3.1 Fournir des services à nos clients : Nous pouvons utiliser les informations personnelles pour fournir nos services, mener nos activités, y compris remplir nos obligations en vertu de tout accord avec vous. Dans le cadre de la fourniture de services professionnels à nos clients, nous pouvons traiter les informations personnelles de personnes avec lesquelles nous n'avons pas de relation directe (contractuelle ou autre). Dans de tels cas, nous demandons à nos clients de confirmer qu'ils ont le pouvoir de nous fournir des informations personnelles dans le but de fournir les services et que ces données ont été traitées conformément à toutes les lois applicables en matière de confidentialité.

3.2 Se conformer aux lois et réglementations obligations : nous pouvons également utiliser les informations personnelles pour nous conformer à nos obligations légales, réglementaires, fiscales, comptables ou de déclaration, ainsi qu'à nos obligations de déclaration en vertu des lois et réglementations applicables.

3.3 Gérer notre entreprise : les informations personnelles peuvent être utilisées pour gérer notre entreprise , y compris à des fins internes telles que la comptabilité, l'audit, la gestion des documents, la gestion des risques, la planification commerciale, l'analyse financière et statistique, le reporting et le contrôle qualité.

3.4 Communiquer avec vous : les informations personnelles peuvent être utilisées pour communiquer avec vous au sujet de nos services, de vos dossiers. , votre compte ou d'autres questions liées à notre relation commerciale.

3.5 Répondre aux demandes de renseignements et aux demandes de service