PEAK Financial Group ("PEAK", "we", "us" or "our") is committed to protecting your privacy and safeguarding your personal information. The purpose of this Privacy Policy is to inform you about our practices in matters of privacy and personal information, including how we collect, use and disclose your personal information.

‍This Privacy Policy covers our website https://www.peakgroup.com/ and all of our activities (collectively, the "Website"), unless we have provided you with a separate privacy policy for a specific product, service or activity.

Please read this Privacy Policy carefully. By submitting your personal information to us, registering for or using any of the services we offer, using our Website or voluntarily interacting with us, you consent to us collecting, using, and disclosing your personal information in accordance with this Privacy Policy, as revised from time to time. This Privacy Policy defines our standards for the collection, use, disclosure, and storage of your personal information.

‍WHAT IS INCLUDED IN THIS PRIVACY POLICY?
‍Your consent to collection, use, and disclosure of information
The personal information we collect
How we use your personal information
How we share your personal information
Unsubscribing from communications
Retention of personal information
Information security
Accessing and updating your personal information
International transfer and storage of information
Third-party websites and services
Information for children
Updates
Contact us 

Your consent to collection, use, and disclosure of information
‍PEAK collects, uses, discloses, and stores personal information that you provide and consent to. 
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‍PEAK may collect, use, disclose, and store any information that you provide on PEAK’s Website or through offline communications you may have with PEAK, with your consent or as permitted or required by law. The manner in which we obtain your consent (i.e., the form we use) depends on the circumstances and the sensitivity of the information collected. Subject to applicable law, your consent may be expressed or implied, depending on the circumstances and the sensitivity of the personal information concerned. If you choose to provide us with personal information, it is assumed that you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

Generally, we will seek your consent upon collecting your personal information. If we wish to use your personal information for a purpose not previously expressed to you at the time of collection, we will seek your consent before using the information for this new purpose.

You may withdraw your consent to our collection, use or disclosure of your personal information at any time by contacting us as described in the "Contact Us" section below. However, before proceeding with the withdrawal of your consent, we may require proof of your identity. In some cases, withdrawing your consent may mean that we will no longer be able to provide certain products or services.

If you provide us with personal information about another individual, it is your responsibility to obtain that individual's consent to allow us to collect, use and disclose their information as described in this Privacy Policy.

‍The personal information we collect
‍When you visit our Website and various sites related to personal accounts, we collect certain personal information about you and your clients.

‍ The personal information we collect generally falls into one or more of the following categories: 

-       Through our Website, https://www.peakgroup.com/fr, we may collect information about you or your activities on the Website, specifically: 
·        “Contact us” and “Write to us” forms: We may collect your name, your email address, your phone number, and any other information you provide in your message.
·        “Join the PEAK network” form: We may collect your first name, your last name, your email address, your phone number, and any other information you provide in your message.
·        Newsletter registration: We may collect your first name, your last name, and your email address, amongst other information.·        Career page: We may collect your first name, your last name, your email address, your resume, your presentation letter, and any other information you provide by sending your spontaneous application or responding to a job posting. 

-       On “MyPEAKonline”, we may collect, amongst other information:
·        Account creation: The last four digits of your SIN, as well as you date of birth.
·        Connecting to your account: Your user name and password.
·        On your “MyPEAKOnline” account, as a representative, you have access to your clients’ personal information, such as their portfolio, tax slips, date of birth, age, and various financial data.
·        On your “MyPEAKOnline” account, as a client, you have access to financial information about your portfolio and may provide your advisor with any information you consider useful by sending communications. 

-       On “PEAK Advisor”, we may collect, amongst other information:
·        On PEAK Investment Services: your last name, first name, email address, phone number, and any other information you may provide by sending us messages or filling forms.
·        On PEAK Securities: your last name, first name, email address, phone number, and any other information you may provide by sending us messages or filling forms. 
·        On MyPEAK Konnect: your last name, first name, email address, phone number, and any other information you may provide by sending us messages or filling forms.

-       Like most websites and other online services, we may collect certain technical information about the devices used to access our Website. This information may include your device’s identification, information about your device, browser and operating system, and the date and time of your visit. 

-       Our Website uses cookies or similar technologies such as beacons or pixels to provide you with a richer browsing experience, improve the performance of our Website and generate statistics. Cookies are files that are installed on your computer's hard drive or browser to collect information such as your preferred language, browsing history, or browser type and version. Their purpose is to optimize your experience on our Website. You can set your browser to block all cookies or to notify you when a cookie is being sent. Browsers include instructions for doing so in their parameters. 

We use analytics tools, including user experience analysis, and other third-party technologies, such as Hotjar and Google Analytics, to automatically collect non-personal usage information. 

We use Google Analytics to understand how consumers use our services. Google Analytics sends Google anonymous information about our Website’s usage, as generated by cookies. This information is then processed to generate statistics and reports on our Website’s usage only.  These reports are used to analyze traffic and plan future orientations, including required upgrades. You can deactivate the communication of anonymous usage data to Google Analytics by installing the appropriate browser add-on module at the following address: <https://tools.google.com/dlpage/gaoptout?hl=fr>. Google Analytics may share anonymous data with other Google services, which may in turn use this data to contextualize and personalize ads on its own advertising network. We reserve the right to perform statistical analyses using the data collected through our Website on an anonymous and cumulative basis for the purpose of measuring interest for our services. We may provide these anonymous and cumulative data analyses to a third party. 

-       Other interactions. For individuals who interact with us, whether in person, by phone, by email, through social media or by any other means, including those who may be interested, we may collect any information that you provide to us. 

‍How we use your personal information 
‍We use your personal information to provide you with services and improve our services. We also use your personal information to meet our legal obligations. 

We may use your personal information and other information to: 

-       Fully utilize, maintain, improve, and provide all features of our Website, to provide services and information requested by you, to respond to comments and questions, and to assist users of our services.
-       Communicate with you in compliance with the laws governing our products and services.
-       Monitor, improve, and develop our services.
-       Analyze our clients’ needs and activities to help us serve them better.
-       Conduct research and analysis relating to our business, products and services
-       Respond to inquiries and other requests.
-       Provide you with information that may be of interest to you, including information about our products and services
-       Combat fraud and investigate legal claims.
-       Meet our legal obligations 

We may use your personal information and other information for purposes for which we have obtained your consent, and for other purposes that may be permitted or required by applicable law. We do not use the information we collect to advertise third-party products and services or targeted advertising for PEAK products and services on third-party websites or service offerings. 

‍How we share your personal information 
‍We may provide your information to our service providers and partners. We may also disclose your information to meet legal obligations or assert our rights. 

When we provide your personal information to our service providers or partners, we take steps to ensure that the rules set out in this Privacy Policy are followed and require that service providers maintain the confidentiality of your personal information and ensure its security. We also require that they use your personal information only for the purposes for which it was provided. 

When our service providers no longer need your personal information for these limited purposes, we require that they destroy it. In certain circumstances, we may allow our service providers to retain aggregated, anonymous or statistical information that does not identify you. 

We do not authorize service providers to disclose your personal information to unauthorized parties or to use your personal information for direct marketing purposes. If you would like more information about our service providers, please contact us by using the contact information in the "Contact Us" section below. 

Below is a list of our third party service providers who may process your personal information with links to their privacy policies: 
-       BambooRH: Career page. Click here to find out more about BambooRH’s privacy policy.
-       Hotjar: User experience analytics. Click here to find out more about Hotjar’s privacy policy.
-       Hubspot: “Become an advisor” form and inquiries. Click here to find out more about Hubspot’s privacy policy.
-       Zendesk: Filing a complaint creates a field in Hubspot for this person, but also creates a ticket in Zendesk. Click here to find out more about Zendesk’s privacy policy.
-       Equisoft: Client relationship management tools for PEAK Insurance. Click here to find out more about Equisoft’s privacy policy. 

In addition, we may use and disclose your personal information when we believe such use or disclosure is authorized, necessary or appropriate, including the following cases: 
-       Under applicable law, including laws outside your country of residence
-       To comply with a legal process
-       To respond to requests from public and government authorities, including public and government authorities outside your country of residence
-       To enforce the terms of our product and service agreements
-       To protect our business or that of our affiliates or subsidiaries
-       To protect our rights, privacy, safety or property, and/or those of our affiliates, you or others
-       To allow us to pursue available remedies or limit the damages we may suffer 

In addition, we may transfer your personal information to a third party in the event of a reorganization, merger, sale, joint venture, assignment, transfer or any other disposal of any or all of our business, brands, affiliates, subsidiaries or other assets. 

Should we intend to disclose your personal information to a third party, we will identify that third party and the purpose of the disclosure, and obtain your consent. 

‍Unsubscribing from communications 
We may send you marketing emails. If you no longer wish to receive marketing emails from us, you can opt out of receiving marketing emails by clicking on the “unsubscribe” link at the bottom of every email you receive from us, or, if you created an online account when you signed up to receive our emails, you can log into your account and change your communication preferences. You may also unsubscribe by contacting us directly using the contact information in the “Contact Us” section below. 

We will make every effort to respond to your request to unsubscribe promptly, but please allow a reasonable amount of time for us to process your request. Please note that if you opt-out of receiving marketing emails, we may send you communications about our products or services, or other topics. 

‍Retention of personal information 
‍We will only use, disclose or retain your personal information for as long as is deemed necessary to fulfill the purposes for which the personal information was collected and as permitted or required by law. 

If you would like more information about how long your personal information will be retained, please contact us by using the contact information in the "Contact Us" section below. 
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‍Information security
‍We have implemented physical, organizational, contractual and technological security measures to protect your personal information and other information from loss or theft, unauthorized access, disclosure, copying, use or modification. We have taken steps to ensure that the only personnel authorized to access your personal information are those whose duties reasonably require such information. 

Despite the measures described above, no method of transmitting or storing information is 100% secure or error-free. As such, we cannot guarantee absolute security. If you have reason to believe that your interaction with us is no longer secure (for example, if you believe that the security of any information you have provided to us has been compromised), please contact us immediately by using the contact information in the "Contact Us" section below. 

As soon as we have reason to believe that a confidentiality incident has occurred, reasonable measures are taken to reduce the risk of harm being caused and to prevent similar incidents in the future. Any confidentiality incident is subject to a process of assessment of the risk of serious harm it presents, in particular in order to reduce the risks for the persons concerned and to determine whether the incident in question should be notified to the competent authorities and/or persons concerned.

‍Your rights with respect to your personal information
‍You have the right to access and rectify your personal information. 

‍We will take reasonable steps to ensure that your personal information is accurate, complete and up-to-date. We will not routinely update your personal information unless such a process is necessary. We expect you to provide us with your updated personal information from time to time, when necessary. 

You may request in writing to see the personal information we collect, use or disclose about you, and we will provide you with such personal information to the extent required by law. You may also challenge the accuracy or completeness of your personal information in our records. If you successfully demonstrate that your personal information in our records is inaccurate or incomplete, we will amend the personal information as required.

In addition, under certain circumstances, you have the following rights:
Withdrawing your consent. You may at any time withdraw your consent to the disclosure or use of the personal information collected.

In certain cases, you may request that the personal information held about you no longer be disclosed.

In certain cases, you may request information about the use of any automated decision system and the impact it may have on you.

‍International transfer and storage of information 
‍Your personal information is currently stored in Quebec (Canada) and Ontario (Canada). 

In certain cases, your personal information may be stored and processed in any country where we have facilities or where we use third party service providers, including the United States. In such cases, our service providers may transfer your personal information to countries other than your country of residence, which may have different privacy rules than your country. If such information is located outside your country of residence, it is subject to the laws of the country in which it is located and may be disclosed to the governments, courts or law enforcement or regulatory agencies of that other country and in accordance with the laws of that other country. However, our practices regarding your personal information will at all times be governed by this Privacy Policy and applicable law. 

‍Third-party websites and services 
‍This privacy policy applies solely to our products and services. It does not extend to websites or products or services provided by third parties. We are not responsible for the privacy practices of such third parties and encourage you to review the privacy policies of these third parties before using their websites, products or services.

‍Information for children
‍Our products and services are not intended for minors and we do not voluntarily collect personal information from minors. If you are a minor under the laws of your jurisdiction, please do not provide us with any 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. If we learn that we have collected personal information from children under the age of majority without verification of parental consent, we will take steps to delete that information from our servers.

‍Updates
‍PEAK reserves the right to change this Privacy Policy at any time by providing notice of new terms of use and privacy policy. Such changes, modifications, additions or obligations shall be effective upon issuance of the notice, unless otherwise specified, which may be communicated by posting on the Website or by any other means of transmission. We consider that continued use of our services following the communication of such notice constitutes an acknowledgement of the new modified Terms of Use and Privacy Policy and an acceptance to be bound by them and to comply with them.

Contact us

If you have any questions regarding this Privacy Policy or PEAK’s privacy practices, please contact our privacy officer at compliance@peakgroup.com