Privacy Policy
1. INTRODUCTION
Welcome to the Croft Financial Group. We respect your privacy and are committed to protecting it. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website and utilize our portfolio management services.
2. PERSONAL INFORMATION WE COLLECT
• Identification Data: Such as your name, date of birth, and Social Insurance Number.
• Contact Data: Including your mailing address, email address, and telephone number.
• Financial Data: Like bank account details, transaction history, and investments.
• Technical Data: IP addresses, browser type and version, time zone setting, and other technology on the devices you use to access our site.
• Usage Data: Information about how you use our website and services.
3. HOW WE USE YOUR INFORMATION
We use your personal data for various purposes:
• Service Delivery: To provide and manage our services.
• Communication: To communicate with you about your portfolio and other services.
• Legal Compliance: To comply with regulatory requirements.
• Website Improvement: For analysis and to improve the functionality of our website.
4. DISCLOSURE OF YOUR INFORMATION
Your data will not be shared with third parties except:
• When we have your consent.
• For legal, regulatory, or risk management reasons.
• With service providers that process data on our behalf.
5. DATA RETENTION
We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected or to comply with legal, regulatory, or internal policy requirements.
6. YOUR RIGHTS
Under Canadian privacy laws, you have rights including:
• The right to be informed about the collection and use of your personal data.
• The right to access your personal data.
• The right to rectify any inaccurate or incomplete data.
• The right to request the deletion or removal of personal data.
7. SECURITY
We employ security measures to protect your personal data, including encryption, firewalls, and secure socket layer technology. However, no method of transmission or storage is 100% secure. Thus, while we strive to protect your personal information, we cannot guarantee its absolute security.
8. COOKIES AND TRACKING
Our website uses cookies to enhance user experience and gather analytics. By using our
website, you agree to the use of cookies as described in our Cookie Policy.
9. THIRD PARTY LINKS
Our website may contain links to third-party websites. We are not responsible for their content or privacy practices.
10. CHANGES TO THIS PROVACY POLICY
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the effective date at the top.
11. CONTACT US
For any questions regarding this Privacy Policy or your personal data:
Contact: compliance@croftgroup.com
This policy has been crafted in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy laws.
Copyright Information
CONTENT
The content provided by croftgroup.com unless otherwise noted, is © 2023 Croft Financial Group. All use of croftgroup.com is subject to the terms and conditions set forth below.
All materials contained on castlemarkwealth.com, including all text and images, are copyrighted and are protected by applicable copyright laws. They may not be published, reproduced, copied, modified, uploaded, transmitted, posted, transferred or distributed in any way, without the express written permission of Croft Financial Group.
Illustrations, photographs, graphics, images and text, and all logos and wordmarks on this website may be the property of Croft Financial Group, or illustrators and photographers hired by Croft Financial Group, its clients and/or suppliers, and are used on castlemarkwealth.com in accordance with individual agreements.
Croft Financial Group attempts to make sure that all content and information on our website is current and up-to-date. Although we attempt to keep information accurate, you assume the risk that the information and materials on this Web site could be incomplete, inaccurate, out of date, or may not meet your needs and requirements.
EXCLUSION OF LIABILITY
With respect to any information available from this site, neither Croft Financial Group does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed, or represents that its use would not infringe privately owned rights.
While every effort is made to ensure that all information provided at this site or via email does not contain computer viruses, Croft Financial Group makes no warranty whatsoever that communication by electronic media is free of viruses and shall have no liability for any corruption to data which may occur as a result of such transmission.
FOR MORE INFORMATION
If you have questions about our privacy or copyright policies, or have ideas about improving our policies, please feel free to e-mail us at info@croftgroup.com
Confidentiality Disclaimer
COMMITMENT TO DATA SECURITY
Your personally identifiable information is kept secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from this site allow you to opt out of further mailings.
CONFIDENTIALITY
In direct communication via email, your email address is considered personal and confidential and will not be shared with any outside parties. Email sent by Castlemark Wealth Management may be legally privileged and is intended specifically for the recipient(s) named on the email. Modifications, disclosures, use or re-use of the information contained in an email is prohibited unless authorized by R N Croft Financial Group .
CAN-SPAM ACT
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions;
• Process orders and to send information and updates pertaining to orders;
• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.
To be in accordance with CANSPAM we agree to the following:
• NOT use false, or misleading subjects or email addresses;
• Identify the message as an advertisement in some reasonable way;
• Include the physical address of our business or site headquarters;
• Monitor third party email marketing services for compliance, if one is used;
• Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from ALL correspondence.
Our Complaint Process
FILING A COMPLAINT WITH US
If you have a complaint about our services or a product, contact us at
Phone: 1-877-249-2884
E-mail: compliance@croftgroup.com
Mail: R N Croft Financial Group Inc.
ATTN.: Chief Compliance Officer
801 – 251 Consumers Road
Toronto, Ontario M2J 4R3
You can file a complaint with us by whichever means is convenient for you. If you are a resident of Quebec, you may also complete the form from the Autorité des marchés financiers (AMF). You may want to consider using a method other than email for sensitive information.
Tell us:
• What went wrong
• When it happened
• What you expect, for example, money back, an apology, account correction
WE WILL ACKNOWLEDGE YOUR COMPLAINT
We will acknowledge your complaint in writing, as soon as possible, typically within 5 business days of receiving your complaint (or within 10 days for residents of Quebec).
We make sure we understand your complaint and what you expect from us. We may ask you to provide clarification or more information to help us resolve your complaint.
Help us resolve your complaint sooner
Make your complaint as soon as possible.
Reply promptly if we ask you for more information.
Keep copies of all relevant documents, such as letters, emails and notes of conversations with us.
WE WILL PROVIDE OUR DECISION
We normally provide our decision in writing, within 90 days of receiving a complaint (or 60 days for residents of Quebec). It will include:
• A summary of the complaint
• The results of our investigation
• Our decision to make an offer to resolve the complaint or deny it, and an explanation of our decision
IF OUR DECISION IS DELAYED
If we cannot provide you with our decision within 90 days (or 60 days for residents of Quebec), we will:
• Inform you of the delay
• Explain why our decision is delayed, and
• Give you a new date for our decision (however, for residents of Quebec the additional time may not exceed 30 days.)
ASSESSMENT OF THE OFFER AND RESOLUTION OF THE COMPLAINT
If we present an offer, we give you time to assess and respond to it. We will give you enough time to seek the advice you need to make an informed decision. You can decide to accept or refuse the offer, or you can present a counter offer.
Once we reach an agreement with you to resolve your complaint, if you are a resident of Quebec, we will implement the terms of the offer within 30 days unless we agree upon a different time period with you and it is in your interest to do so.
SIMPLIFIED PROCESS IN QUEBEC FOR CERTAIN COMPLAINTS
• This process is for complaints that we can resolve to your satisfaction within 20 days.
• These complaints may be referred to a member of our client service team and handled verbally (e.g., in a phone call).
• We consider a complaint resolved to your satisfaction when
you accept our proposed solution to your complaint, or
the explanations we provide to you are sufficient to resolve your complaint.
If we cannot resolve your complaint to your satisfaction under this process, we will notify you in writing.
Your complaint will continue to be processed, but in accordance with the steps in the complaint process described earlier.
The time that we take trying to resolve your complaint under the simplified process does not impact our obligation to provide you with our written final response within the required time period.
If you are a resident of Quebec, you can contact us to request to have your complaint record examined by the AMF at any time if you are not satisfied with the response we provided or how your complaint was processed. We will send your complaint record to the AMF no later than 15 days following receipt of your request.
You always have the right to go to a lawyer or seek other ways of resolving your dispute at any time. A lawyer can advise you of your options. There are time limits for taking legal action. Delays could limit your options and legal rights later on.