Privacy Policy

Clean Slate Hub ("Clean Slate Hub," "we," "us," or "our") values your trust and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website cleanslatehub.ca ("Website") or when you interact with us in other ways (such as by email, telephone, in person, or through our services).

By using our Website or providing us with personal information, you consent to the practices described in this Policy.

Scope of this Policy

This Privacy Policy applies to personal information we collect in the course of providing our services, including consultations, customer support, and marketing.

It does not apply to:

• Information about Clean Slate Hub employees in their capacity as employees.
• "Business contact information" such as a person's business title, address, telephone number, or professional email that is used solely for work-related communications.

Changes to this Policy

We may update this Policy from time to time. Updates will take effect on the date they are posted on our Website. By continuing to provide personal information or use our services after any update, you are deemed to have accepted the revised Policy.

How We Collect Information

We collect personal information directly from you whenever possible, and only what is necessary to provide our services or operate our business. For example, we may collect information when you:

• Fill out forms on our Website.
• Communicate with us by email or phone.
• Request that we contact you.
• Provide information in person during consultations or events.

We may also receive information about you from third parties (such as service providers, financial institutions, or consumer reporting agencies) where permitted by law.

Types of Information Collected

The personal information we collect may include:

• Basic identifiers: name, date of birth, contact details (address, phone number, email).
• Government or official documents: driver's licence, social insurance number, or other identification.
• Financial and employment details: tax returns, assessments, income, assets, debts, employment status, marital and family information.
• Transactional data: history of payments, claims, credit reports, or service usage.

We may also collect limited technical information when you use our Website, such as IP address, browser type, and cookie data (see "Cookies and Analytics" below).

Purpose of Collection and Use

We will only collect, use, and disclose your personal information for purposes identified at the time of collection or in this Policy, including:

• To administer your file and provide you with our services.
• To manage and improve our Website and operations.
• To evaluate eligibility for programs or services we provide.
• To meet legal or regulatory obligations.
• To provide customer service and respond to inquiries.
• With your consent, to send you updates, newsletters, or promotional information.
• To detect and prevent fraud or misuse of our services.

We will not use your information for purposes unrelated to these without your consent, unless required or permitted by law.

Disclosure of Personal Information

We do not sell your personal information. We may disclose it in limited circumstances, including:

• To trusted service providers (such as IT providers, consultants, or contractors) who assist us in delivering services, subject to confidentiality safeguards.
• To affiliates or subsidiaries that follow this Policy.
• To meet legal obligations (e.g., responding to subpoenas, lawful investigations, or court orders).
• To collect debts owed to us.
• As part of a business transaction, such as a merger, sale, or transfer of assets.

International Transfers

Your personal information may be stored or processed outside of Canada, including in the United States or other jurisdictions where our service providers operate. Information in those jurisdictions may be accessed by local law enforcement under applicable laws.

Your Rights

Under Canadian privacy laws, you have the right to:

• Request access to the personal information we hold about you.
• Ask for corrections or updates to your information.
• Request deletion of outdated or unnecessary personal information.
• Withdraw consent for certain uses of your information, subject to legal or contractual restrictions.

We will respond to your request within 30 days, subject to verifying your identity. Please note that withdrawing consent may prevent us from being able to provide certain services.

Marketing Communications

If you have provided consent, we may send you promotional emails. You can unsubscribe at any time by clicking the "unsubscribe" link in our emails or contacting us at support@cleanslatehub.ca. Even if you unsubscribe, we may still send you non-marketing messages related to your services.

Cookies and Analytics

Our Website uses cookies and similar technologies to improve user experience, analyze traffic, and support website functionality. These tools may collect:

• Pages visited and time spent on the site.
• Browser and device information.
• Entry and exit points on our Website.

You can disable cookies through your browser settings, but this may affect functionality of the Website.

We may also use third-party analytics providers to better understand site traffic patterns. These providers collect only aggregated, non-identifiable data.

Information Security

We take appropriate technical, organizational, and physical measures to protect your personal information against unauthorized access, loss, misuse, or alteration. Access is limited to personnel who require the information for business purposes.

Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, to meet legal obligations, or for legitimate business reasons. Once no longer needed, information will be securely destroyed or anonymized.

Contact Us

If you have questions about this Policy or wish to exercise your privacy rights, please contact:

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376, or the appropriate provincial privacy commissioner (e.g., British Columbia or Alberta).