PRIVACY POLICY

Protecting your privacy is very important to us. This policy sets out how and why we collect, use and disclose the personal information we collect from you in the course of providing our portfolio management and related services. Personal information refers to any information that may identify you.

We may modify this privacy policy at any time and non-material changes may apply to any personal information we already hold about you as well as any new information collected after the policy is modified. If we change our privacy practices, we will update this privacy policy and the effective date above. If any changes are significant, we will notify you.

Your consent

By engaging us to provide portfolio management services to you or submitting information to us in connection with our services, you are indicating your consent to our collection, use and disclosure of your personal information in the manner described below.

Information we collect

The personal information we collect may include any information about you that you give us by engaging us to provide portfolio management or related services or by corresponding with us by phone, email or otherwise. The personal information we collect includes your first and last name, home address, email address telephone number, employment information, financial and banking information, investment statements, tax returns, debt statements, copies of wills, powers of attorney, insurance policies, employment benefits, retirement benefits, legal documents and information regarding your investment knowledge, objectives, strategies, needs and values. We request this information to provide our services to you, and to comply with applicable securities and other laws.

Purposes for which we collect your personal information

We generally use your personal information for the following purposes:

to properly identify you and protect against fraud;
to provide products and services to you;
to understand your needs and your eligibility for products and services;
to establish and maintain a responsible client relationship with you;
to develop, enhance and market products and services and to you;
to process billing and collection of any fees;
to conduct surveys and get feedback from you;
to meet our legal and regulatory requirements;
to detect, prevent, and suppress errors, fraud, financial abuse, and other unauthorized or illegal activities;
to process your inquiries or respond to questions, comments or concerns regarding your portfolio;
as otherwise required or permitted by applicable laws.

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your relationship with us.

Our sharing and disclosure of your personal information

We are committed to protecting your privacy. Internally, only people with a business need to know personal information, or whose duties reasonably require access to it, are granted access to clients’ personal information. Such individuals will only process your personal information on our instructions and are subject to a duty of confidentiality.

We may share or disclose your personal information to third parties in the following limited circumstances:

1. 1. Agents and service providers. We may provide your personal information to our agents and service providers, such as the financial institution that holds your investment assets in custody, but only where it is reasonably necessary to do so in connection with the provision of our services.
  2. As required or authorized by law, etc. We may disclose your personal information to a government institution that has asserted its lawful authority to obtain the information, where we have reasonable grounds to believe the information could be useful in the investigation of unlawful activity, to comply with a subpoena or warrant or an order made by a court, person or body with jurisdiction to compel the production of information, to comply with court rules regarding the production of records and information, to our legal counsel, or as otherwise required or authorized by law.

Location of your personal information

We store and process your personal information in Canada and the United States. Some of our service providers store or process personal information on our behalf in the United States or other jurisdictions outside of Canada. As a result, your personal information may be subject to the laws of those jurisdictions and may be accessible to courts, law enforcement, or regulatory authorities in accordance with applicable local laws. The laws of other countries regarding the collection, use, and disclosure of personal information may differ from those of Canada.

Access to your personal information

You may request access to your personal information and information about our privacy practices by contacting us at the address indicated below. Subject to certain limited exceptions prescribed by law, you will be given reasonable access to your personal information within a reasonable time, and will be entitled to update your personal information. You can help us maintain the accuracy of your information by notifying us of any changes to your personal information.

Security

We take the security of your personal information very seriously and have implemented reasonable organizational, technological and physical security safeguarding measures to protect your personal information against unauthorized access, collection, use, disclosure, copying, modification or disposal, or similar risks.

How to contact us

If you wish to obtain further information about our privacy practices or to address any matter concerning this policy, please contact us by email at hello@ltwealth.ca or by mail at 100-555 Burrard Street, Vancouver, BC V7X 1M8.