Questions? Call or Text  647-699-6959 

 Questions? Call or Text  
647-699-6959 

PRIVACY POLICY

PRIVACY POLICY

PERSONAL INFORMATION DISCLOSURE

We value you as a client and we are committed to protecting the privacy, confidentiality, accuracy and security of your personal information that we collect, use, retain and disclose in our efforts to providing you with superior products and services.

This Personal Information Policy spells out the responsibility of SMG (“we”, “our”, “us”), and your rights as our applicant, client, former client or claimant (“you” or “your”), regarding the collection, use and disclosure of your personal information.

Your Personal Information
SMG understands that trust is an important factor in our relationship, and at SMG we take this very seriously. Protection of your privacy and the confidentiality of your personal information is a fundamental part of our responsibility toward you. Clients of SMG are entitled to a high degree of care in the handling of their confidential information through our policies and procedures as well as state-of-the-art equipment and computer security measures. We ensure that your privacy and the confidentiality of your information are protected. The personal information you provide to SMG (or which the firm collects with your consent) with respect to your account application will be protected and maintained in a client investment file with SMG. The key components of the firm’s policy are as follows:
  • The client’s knowledge and consent are required before an employee/agent may collect, use or disclose a client’s personal information;
  • If any of the personal information collected is sensitive, such as health information, SMG must obtain additional written or oral consent from the client before using or disclosing the information;
  • SMG shall use care when storing or destroying client’s personal information to prevent unauthorized access.
Our privacy policy, which includes important definitions and details on how we use your information, is provided below and at www.smartmoneygroup.ca/privacy-policy.

What is Personal Information?
The term “personal information” refers to any information that specifically identifies you, including information such as your home address, telephone numbers, social insurance number, date of birth, assets and/or income information, employment history and credit history.

How are we accountable?
SMG is responsible for your personal information in its possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented to us collecting, using and disclosing your personal information.

Why do we do it?
We collect, use, and disclose personal information to provide you with the investment products and services of SMG. Specifically, we collect, use and disclose your personal information to: 
  • Verify your identity and correct your personal information;
  • Determine your eligibility for SMG products and services, and for products that may be of interest to you from business partners with whom we have formed an association, and offer you these products and services, as well as analyze the suitability of our products or services for you;
  • Accuracy: SMG will keep personal information as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used. SMG will minimize the possibility that inappropriate information is used to decide about the individual.
  • ​Safeguards: SMG will protect personal information with security safeguards appropriate to the sensitivity of the information.
  • ​Openness: SMG will be open about its policies and procedures with respect to the management of personal information. SMG will ensure that individuals are able to acquire information about the firm’s policies and procedures without unreasonable effort. SMG will make this information available in a form that is generally understandable.
  • ​Individual Access: Upon a request in writing, SMG will inform the individual of the existence, use and disclosure of their personal information and the individual will be given access to that information, except where the law requires or permits SMG to deny access.
  • ​Questions and Concerns: An individual will be able to direct a challenge concerning compliance with the above principles to SMG Chief Privacy Officer.
When produced, updated versions of this Personal Information Policy can be obtained from your account advisor, the compliance department or you can direct any queries about this policy to SMG, Privacy Officer at the telephone, e-mail address, or mailing address listed below. If you have a complaint related to the Personal Information Policy or any of our procedures, contact our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue, including amending our policy and practices, if necessary. If we are not able to resolve your concern, or if you have any other concerns about SMG Personal Information Policy and procedures, you may contact the office of the Privacy commissioner. SMG Privacy Officer will provide you with this contact information upon request.

For more information, to file a privacy complaint, to make inquiries or to opt out of all or parts of this Policy, please call or text us: 647.699.6959 Email: success@smartmoneygroup.ca

BENEFICIAL OWNERSHIP INFORMATION DISCLOSURE

National Instrument 54-101 Communication with Beneficial Owners of Securities of a Reporting Issuer

EXPLANATION TO CLIENTS

Based on your instructions, the securities in your account with us are not registered in your name but rather in our name or the name of our carrying broker holding your securities on our behalf. The issuers of the securities in your account may not know the identity of the beneficial owner of these securities.

We are required under securities law to obtain your instructions concerning various matters relating to your holding of securities in your account.

WHAT INFORMATION DO WE COLLECT AND HOW IS IT USED?

The information that we may collect about you broadly falls into two categories:

Information that you provide:
We may ask you to provide personal information when you visit our Website, order forms in order to provide our services to you. This includes your contact details such as your name and email address. We may also collect personal information, such as your mobile number.

 We use this information to personalize and improve your experience of our services, Website, and communications with you, and for advertising and marketing purposes, including sending you offers for future products. However, we do not share your mobile number or any personal information provided by you through SMS messaging, for advertising and marketing purposes.

Information that we collect automatically:
When you visit www.smartmoneygroup.ca and order forms, we may collect certain information automatically from your device.

The data we collect may include information like your IP address, device type, unique device identification numbers, browser-type, and other technical information. We may also collect information about how your device has interacted with our Website or order form, including the pages accessed and links clicked. This data is collected using cookies and similar technology.

We collect this information so we can better understand the visitors who come to our Website and look at our order forms and what content may be of interest to them. Using the information allows us to improve the quality and relevance of our Website and services.

Who do we share your information with?

We may disclose your personal information to the following categories of recipients:

to third-party service providers who provide additional data processing services, for example, analyzing data, providing marketing assistance, delivering your subscriptions, or personalizing and improving your experience with us;
as part of a corporate sale, merger, or acquisition, or other transfer of all or part of our assets, including as part of a bankruptcy proceeding;
to any competent law enforcement body, regulatory, government agency, or similar other third party where we believe disclosure is necessary as a matter of applicable law or regulation, or to exercise, establish or defend our legal rights or the rights of third parties; or
with your consent or as otherwise disclosed at the time of data collection or sharing.

Digital advertising & analytics

We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on behalf of us and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of the Website and other sites or apps over time, including information about relationships among different browsers and devices.

We may also work with third parties that collect data about your use of the Website and other sites or apps over time for non-advertising purposes. www.smartmoneygroup.ca uses Google Analytics and other third-party services to improve the performance of the website and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Website, visit www.google.com/policies/privacy/partners, and to opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.

Cookies

Cookies are small files placed on your hard drive by an internet server when you visit a website. Some cookies can be used to identify your computer each time you visit a site.

Our Website  use cookies to track site usage, traffic patterns and to deliver ads for services we think will be of interest to you.

Your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these tools, our Website may not function as well as intended.

Your Choices

If at any time you wish to be removed from our mailing list, you can opt-out in the footer of our emails.

We fund our free daily editorial emails by advertising our services and those of other group companies (occasionally we may carry advertising for a third-party service) within our editorial email, and by sending separate promotional emails. There is an unsubscribe link in each of these emails and you can unsubscribe at any time.

Updates to this privacy policy

We may update this privacy policy from time to time in response to changing legal, technical or business developments. When we update our privacy policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material privacy policy changes if and where this is required by applicable data protection laws. You can see when this privacy policy was last updated by checking the “last updated” date displayed at the top of this privacy policy.

How to contact us

If you have any questions or concerns about our use of your personal information, please contact us:
Email: success@smartmoneygroup.ca
Text or call 647-699-6959

PERSONAL INFORMATION DISCLOSURE

We value you as a client and we are committed to protecting the privacy, confidentiality, accuracy and security of your personal information that we collect, use, retain and disclose in our efforts to providing you with superior products and services.

This Personal Information Policy spells out the responsibility of NPW (“we”, “our”, “us”), and your rights as our applicant, client, former client or claimant (“you” or “your”), regarding the collection, use and disclosure of your personal information.

Your Personal Information
NPW understands that trust is an important factor in our relationship, and at NPW we take this very seriously. Protection of your privacy and the confidentiality of your personal information is a fundamental part of our responsibility toward you. Clients of NPW are entitled to a high degree of care in the handling of their confidential information through our policies and procedures as well as state-of-the-art equipment and computer security measures. We ensure that your privacy and the confidentiality of your information are protected. The personal information you provide to NPW (or which the firm collects with your consent) with respect to your account application will be protected and maintained in a client investment file with NPW. The key components of the firm’s policy are as follows:
  • The client’s knowledge and consent are required before an employee/agent may collect, use or disclose a client’s personal information;
  • If any of the personal information collected is sensitive, such as health information, NPW must obtain additional written or oral consent from the client before using or disclosing the information;
  • NPW shall use care when storing or destroying client’s personal information to prevent unauthorized access.
Our privacy policy, which includes important definitions and details on how we use your information, is provided below and at www.npw.ca.

What is Personal Information?
The term “personal information” refers to any information that specifically identifies you, including information such as your home address, telephone numbers, social insurance number, date of birth, assets and/or income information, employment history and credit history.

How are we accountable?
NPW is responsible for your personal information in its possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented to us collecting, using and disclosing your personal information.

Why do we do it?
We collect, use, and disclose personal information to provide you with the investment products and services of NPW. Specifically, we collect, use and disclose your personal information to: 
  • Verify your identity and correct your personal information;
  • Determine your eligibility for NPW products and services, and for products that may be of interest to you from business partners with whom we have formed an association, and offer you these products and services, as well as analyze the suitability of our products or services for you;
  • Accuracy: NPW will keep personal information as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used. NPW will minimize the possibility that inappropriate information is used to decide about the individual.
  • ​Safeguards: NPW will protect personal information with security safeguards appropriate to the sensitivity of the information.
  • ​Openness: NPW will be open about its policies and procedures with respect to the management of personal information. NPW will ensure that individuals are able to acquire information about the firm’s policies and procedures without unreasonable effort. NPW will make this information available in a form that is generally understandable.
  • ​Individual Access: Upon a request in writing, NPW will inform the individual of the existence, use and disclosure of their personal information and the individual will be given access to that information, except where the law requires or permits NPW to deny access.
  • ​Questions and Concerns: An individual will be able to direct a challenge concerning compliance with the above principles to NPW Chief Privacy Officer.
When produced, updated versions of this Personal Information Policy can be obtained from your account advisor, the compliance department or you can direct any queries about this policy to NPW, Privacy Officer at the telephone, e-mail address, or mailing address listed below. If you have a complaint related to the Personal Information Policy or any of our procedures, contact our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue, including amending our policy and practices, if necessary. If we are not able to resolve your concern, or if you have any other concerns about NPW Personal Information Policy and procedures, you may contact the office of the Privacy commissioner. NPW Privacy Officer will provide you with this contact information upon request.

For more information, to file a privacy complaint, to make inquiries or to opt out of all or parts of this Policy, please contact us at: Nour Private Wealth Inc. 2845 Bristol Circle, Oakville, Ontario, L6H 6X5 Attention: Privacy Officer Tel.: 905.845.9090 Fax: 905.845.3115 Email: privacy@npw.ca

BENEFICIAL OWNERSHIP INFORMATION DISCLOSURE

National Instrument 54-101 Communication with Beneficial Owners of Securities of a Reporting Issuer

EXPLANATION TO CLIENTS

Based on your instructions, the securities in your account with us are not registered in your name but rather in our name or the name of our carrying broker holding your securities on our behalf. The issuers of the securities in your account may not know the identity of the beneficial owner of these securities.

We are required under securities law to obtain your instructions concerning various matters relating to your holding of securities in your account.

WHAT INFORMATION DO WE COLLECT AND HOW IS IT USED?

The information that we may collect about you broadly falls into two categories:

Information that you provide:
We may ask you to provide personal information when you visit our Website, order forms in order to provide our services to you. This includes your contact details such as your name and email address. We may also collect personal information, such as your mobile number.

 We use this information to personalize and improve your experience of our services, Website, and communications with you, and for advertising and marketing purposes, including sending you offers for future products. However, we do not share your mobile number or any personal information provided by you through SMS messaging, for advertising and marketing purposes.

Information that we collect automatically:
When you visit dariusmuica.ca and order forms, we may collect certain information automatically from your device.

The data we collect may include information like your IP address, device type, unique device identification numbers, browser-type, and other technical information. We may also collect information about how your device has interacted with our Website or order form, including the pages accessed and links clicked. This data is collected using cookies and similar technology.

We collect this information so we can better understand the visitors who come to our Website and look at our order forms and what content may be of interest to them. Using the information allows us to improve the quality and relevance of our Website and services.

Who do we share your information with?

We may disclose your personal information to the following categories of recipients:

to third-party service providers who provide additional data processing services, for example, analyzing data, providing marketing assistance, delivering your subscriptions, or personalizing and improving your experience with us;
as part of a corporate sale, merger, or acquisition, or other transfer of all or part of our assets, including as part of a bankruptcy proceeding;
to any competent law enforcement body, regulatory, government agency, or similar other third party where we believe disclosure is necessary as a matter of applicable law or regulation, or to exercise, establish or defend our legal rights or the rights of third parties; or
with your consent or as otherwise disclosed at the time of data collection or sharing.

Digital advertising & analytics

We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on behalf of us and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of the Website and other sites or apps over time, including information about relationships among different browsers and devices.

We may also work with third parties that collect data about your use of the Website and other sites or apps over time for non-advertising purposes. dariusmuica.ca uses Google Analytics and other third-party services to improve the performance of the website and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Website, visit www.google.com/policies/privacy/partners, and to opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.

Cookies

Cookies are small files placed on your hard drive by an internet server when you visit a website. Some cookies can be used to identify your computer each time you visit a site.

Our Website  use cookies to track site usage, traffic patterns and to deliver ads for services we think will be of interest to you.

Your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these tools, our Website may not function as well as intended.

Your Choices

If at any time you wish to be removed from our mailing list, you can opt-out in the footer of our emails.

We fund our free daily editorial emails by advertising our services and those of other group companies (occasionally we may carry advertising for a third-party service) within our editorial email, and by sending separate promotional emails. There is an unsubscribe link in each of these emails and you can unsubscribe at any time.

Updates to this privacy policy

We may update this privacy policy from time to time in response to changing legal, technical or business developments. When we update our privacy policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material privacy policy changes if and where this is required by applicable data protection laws. You can see when this privacy policy was last updated by checking the “last updated” date displayed at the top of this privacy policy.

How to contact us

If you have any questions or concerns about our use of your personal information, please contact us:
Email:
darius@dariusmuica.ca

Address:
Nour Private Wealth
2845 Bristol Cir, Oakville, ON L6H 6X5
Questions? Call or Text   647-699-6959 
We Help Canadian Families Build Wealth, Minimize Taxes and Achieve Their
Retirement Goals With Our Customized Financial Advice.
© SMART MONEY GROUP 2022
Questions? Call or Text   647-699-6959 
© SMART MONEY GROUP 2022