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Privacy

Sharing Your Information

Under certain circumstances, your personal information may be shared among Concentra companies or other third parties.


Concentra Bank and Concentra Trust

We may share information within Concentra (Concentra Bank and Concentra Trust) to manage your total relationship with us and assist us in helping you achieve your financial goals. It's part of building and maintaining a positive advice-based relationship with you. We may share this information to better understand your financial needs and to provide products and services we believe may interest you.

This is only done in line with your choices unless the information doesn't identify you specifically.   In order to understand when you can withdraw your consent to sharing of information, please refer to our "Your Choices" section. 


Concentra Employees

Access to your information is restricted to authorized employees who have a legitimate business purpose for using it. For example, when you call us or visit our office, designated employees will access your information to verify that you are the account-holder and to assist you in fulfilling your financial requests.

Unauthorized use and/or disclosure of client information by an employee of Concentra is strictly prohibited. All employees are required to maintain the confidentiality of client information at all times.

Concentra referral partners, service partners, or agents who act on our behalf

We may be required to provide reports to referral partners or agents who we have engaged to act on our behalf.  We only provide the information necessary to fulfil our contractual referral or agency obligations and we require them to protect the information in a manner consistent with our privacy policies and security practices.  Referral partners or agents are generally organizations that you have a primary relationship with.

We may engage service partners to conduct administration processes on our behalf.  We only provide the information necessary for them to perform the services they have been specifically engaged to undertake for us.  We conduct due diligence respecting privacy and security when engaging with a new service partner and we contractually require them to protect the information in a manner consistent with our privacy policies and security practices.

 

Outside Service Suppliers

We may engage service providers to perform specialized services on our behalf such as software support or data hosting. We only provide the information necessary for them to perform the services they have been specifically engaged to undertake for us.  We conduct due diligence respecting privacy and security when engaging with a new service partner and we contractually require them to protect the information in a manner consistent with our privacy policies and security practices.

 

Other Third Parties

We will only share your information with other third parties with your consent, as indicated under your account agreement and accepted terms and conditions, or under the following special circumstances where we are permitted by privacy legislation or required by law to disclose information without your knowledge or consent:

  • To respond to valid and authorized information requests from domestic and international authorities;
  • As permitted or required by law, to comply with laws, regulations, subpoena or court order;
  • For the purposes of fraud or crime prevention, suppression or detection;
  • To protect the personal safety of employees, clients or other third parties on Concentra property; or
  • To protect our assets and interests, to help us collect a debt owed to us by you, or to manage or settle any actual or potential loss in the case of a breach of agreement or contravention of the law.

 

Countries to Which We Transfer Your Information

Your personal information may be transmitted through, stored or processed in countries other than your home country, in which case the information is bound by the laws of these countries.

When we engage with a service provider that may require a transmission or transfer of your personal information to a country other than Canada, we conduct due diligence on the applicable legislative frameworks respecting privacy as well as the service providers privacy and security practices and we contractually require them to protect the information in a manner consistent with our privacy policies and security practices.