As a national professional body working in the public interest, FP Canada’s (“our”, “we”, or “us”) purpose is to champion better financial wellness for all Canadians by leading the advancement of professional financial planning. FP Canada ensures those it certifies― Qualified Associate Financial Planner™ professionals and Certified Financial Planner® professionals (collectively “FP Canada Certificants” or “Certificants”) ―meet appropriate standards of competence and professionalism through rigorous requirements of education, examination, experience and ethics.
FP Canada regularly collects, maintains, and uses Personal Information from FP Canada Certificants, volunteers, members of the public and users of our websites. FP Canada is committed to preserving and safeguarding the privacy of information it obtains in the course of carrying out its business. As part of this commitment, FP Canada wants you to be aware of our Personal Information management practices.
FP Canada is responsible for Personal Information in its possession or custody, including information that has been transferred to a third party for processing. FP Canada shall use contractual or other means to provide a comparable level of protection while the information is being processed by a third party.
FP Canada shall implement policies and practices to give effect to these principles, including:
We collect your Personal Information when you voluntarily provide it to us by using our Site or Services. For example, we may ask you to provide Personal Information if you:
Personal information that FP Canada collects includes, but is not limited to:
FP Canada will only use the Personal Information that we collect for the purpose for which it was collected. We use your Personal Information for the following purposes:
We retain your Personal Information only for as long as we need it to fulfill the purposes for which it was collected and to comply with our legal obligations.
We respect your privacy and, unless otherwise required by law, we will not collect, use, or disclose your Personal Information without your prior consent. Your Personal Information will only be used for the purposes for which it was collected or in accordance with applicable laws. From time to time, we may wish to use Personal Information for new or additional purposes, in which case we will obtain your consent for such new purpose(s).
You may expressly give your consent in writing, verbally or through any electronic means. In certain circumstances, your consent may be implied by your actions (including, without limitation, updating or editing your Personal Information through the FP Canada Portal). For example, providing FP Canada with registration information is implied consent for FP Canada to create an account for you and providing you with your associated services. The form of consent sought by FP Canada may vary, depending upon the circumstances and type of information disclosed. In determining the appropriate form of consent, FP Canada shall consider the sensitivity of the Personal Information and the reasonable expectations of the individual. FP Canada will seek express consent when the information is likely to be considered sensitive. Implied consent will generally be appropriate where the information is less sensitive.
In certain circumstances, consent with respect to use or disclosure may be sought after the information has been collected, but before use (for example, when FP Canada wants to use information for a purpose other than those identified above).
We may share your Personal Information with our service providers that help us with our business operations or to support our Site and Services, including:
We may share your Personal Information with our affiliated corporation, the FP Canada Research Foundation to support its internal business activities.
Only FP Canada’s, our affiliates and our service provider’s employees with a business need to know, or whose duties reasonably so require, are granted access to Personal Information that we are accountable for. All such employees will be required as a condition of employment to contractually respect the confidentiality of your Personal Information.
We may transfer any information we have about you in connection with a merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of our business or as part of a corporate reorganization or other change in corporate control.
From time to time we may disclose your Personal Information to third parties under the following limited circumstances:
We will disclose Personal Information without your knowledge or consent if we receive an order, subpoena, warrant or other legal requirement issued by a court, tribunal, regulator, or other person with jurisdiction to compel disclosure of your Personal Information.
FP Canada’s Find a Financial Planner Tool is a service that connects the public with Certified Financial Planner® professionals and Qualified Associate Financial Planner™ professionals. The Tool also identifies individuals who have been granted FP Retired™ status. For Certificants, the tool shows your preferred name, certification status and any relevant discipline history information; by default. You can choose to show or hide your business address, phone number and email address by changing your settings in the FP Canada Portal or by emailing email@example.com. Certificants must keep their contact information accurate and current as part of their ongoing professional obligations. For individuals who hold FP Retired status, the tool identifies you as “non-practicing” and show any relevant discipline history information.
FP Canada protects your Personal Information by security safeguards appropriate to the sensitivity of the information. We maintain technical, physical and administrative security safeguards to safeguard your Personal Information against loss, theft, misuse, unauthorized disclosure and unauthorized access.
FP Canada’s methods of protection include:
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we are committed to protecting your Personal Information, we cannot ensure or warrant the security of any information you provide to us.
We take reasonable steps to verify your identity before granting you access to your account on our Site; however, you are solely responsible for maintaining the secrecy of your username, password, and any other account information.
As noted above, we may use service providers and other third parties (“Third Parties”) to perform services on our behalf. These Third Parties may store, process, and transfer Personal Information on servers located outside of Canada in jurisdictions whose data protection laws may differ from those of Canada, such as the United States of America. As a result, Personal Information may be subject to access requests from governments, courts, or law enforcement in those jurisdictions according to the laws in those jurisdictions. For example, information may be shared in response to valid demands or requests from government authorities, courts, and law enforcement officials in those countries. Subject to applicable laws in such other jurisdictions, we will use reasonable efforts to ensure that appropriate protections are in place to require our Third Parties to maintain protections on Personal Information that are equivalent to those that apply in Canada.
Non-Identifiable and aggregated information is data and information that is aggregated or anonymized in such a manner that it cannot be connected to an individual. This may include demographic information of FP Canada Certificants that we use to better understand our membership and the financial planning sector. We may disclose such aggregated and non-identifiable information to third parties that provide services for us (e.g. a survey research firm). In some instances, FP Canada may collect non-identifiable data through cookies. This information is used to better understand and improve the usability, performance, and effectiveness of the Site, as is further described below under "Cookies, Web Beacons and Other Similar Technology”.
Upon request, FP Canada will provide you with information regarding the existence, use and disclosure of Personal Information that FP Canada may hold. We will need to verify your identity before providing you with the Personal Information we hold about you and we will respond within the time periods provided for under applicable laws. There is no cost for such access request unless you require copies of records.
In certain circumstances, FP Canada may not be able to provide you with access to your Personal Information if the information cannot be separated from the Personal Information of others, cannot be disclosed for reasons of security or commercial confidentiality, or is protected by legal privilege. If we cannot provide you with access to your Personal Information, we will advise you of the reasons access is being denied, unless we are prohibited by law from doing so.
You may request to update and change your Personal Information either directly through your account or through FP Canada at the contact information set forth below. We shall endeavor to correct or complete any Personal Information that you advise us is inaccurate or incomplete. Where appropriate, the amended information shall be transmitted to third parties having access to such information. If you have any concerns about how your payment information is stored, please contact Moneris at 1.866.319.7450 or www.moneris.com.
An individual shall direct all inquiries or complaints involving FP Canada’s handling of Personal Information or compliance with this policy or with applicable privacy legislation to FP Canada's Privacy Officer.
FP Canada will maintain procedures for addressing and responding to all inquiries or complaints from individuals about our handling of Personal Information. FP Canada shall investigate all complaints. The Privacy Officer will respond to all such inquiries or complaints within 14 business days of receipt. The Privacy Officer will make reasonable efforts to resolve all such complaints within 30 days of receipt of the initial complaint. If FP Canada finds a complaint to be justified, it will take appropriate measures, including, if necessary, amending its policies and procedures.
For more information, please contact our Privacy Office as follows:
You may contact our Privacy Officer through our FP Canada Certificant and Student Services team directly at 416-593-8587 or 1-800-305-9886 or by email at firstname.lastname@example.org.
As you interact with the Site, we may use automatic data collection technology and services that record and collect information that identifies your computer, tracks your use of this Site, and collects certain other information about you and your surfing habits. This data collection technology may include cookies, web beacons and other similar devices on this Site to enhance functionality and navigation for our visitors.
A cookie is a small data file that is placed on the hard drive of your computer so that your computer will “remember” information when you visit a site. Web beacons and tags are small strings of code that are used in conjunction with a cookie and allow us to record activity on our Site. Internet tags, graphic tags and similar web beacon type functions allow us to count the number of users who have visited a particular web page or to access certain cookies. We may use web beacons on this Site to count users and to recognize users by accessing our cookies. Being able to access our cookies allows us to personalize this Site and improve your experience at this Site. We may also include web beacons in HTML-formatted email messages that we send to determine which email messages were opened.
Information tracked through these mechanisms include: (i) your IP address; (ii) the type of web browser and operating system being used; (iii) the pages of the Site a user visits; and (iv) other sites a user visited before visiting this Site.
You can reject or disable cookies by managing your browser settings and following the directions provided in your Internet provider’s help file. Please note that if you disable cookies, you may be unable to access some customized features on this Site. Cookies and web beacons do not collect or contain your Personal Information.
Furthermore, we use the cookies to carry out frequency assessments, page usage assessments and marketing assessments. For such assessments, we utilize this cookie information without a link to your Personal Information, so it remains anonymous.
We are committed to protecting the privacy of children and we do not knowingly solicit Personal Information from children under the age of 13. If you are under 13 years of age, then do not use the Site at any time. If a child has already provided us with Personal Information, his or her parent or guardian may contact us for the purpose of deleting this information.
We comply with Canada’s anti-spam legislation (CASL), and we will not send you electronic communications in contravention of this law.
We will ensure that each email includes an opt-out feature and instructions on how to unsubscribe if you no longer wish to receive future emails from us. You can unsubscribe using the link included in the email or electronic message, or by using the contact information set forth below. If we do not have consent, express or implied, to send you commercial electronic messages, we will only communicate with you for the limited purposes permitted under CASL.
You may send your unsubscribe requests or any other questions about our electronic communications practices to the FP Canada Certificant and Student Services team directly at 416-593-8587 or 1-800-305-9886 or by email at email@example.com.
Policy last updated September 1, 2023