Privacy Policy

Inspired Management Consulting
225, 50 Nolanridge Court
Calgary, AB T3R 2A8
Canada

Email: info@inspiredconsulting.ca
Phone: +1(403)975-1705

1. Introduction

Inspired Management Consulting (“we,” “us,” “our,” or the “Company”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any capacity.

We operate in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), the Personal Information Protection Act (PIPA) of Alberta, and other applicable Canadian privacy legislation. By accessing our website or using our services, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

2. Information We Collect

We collect personal information necessary to provide our business financing, personal financing, and business management services. The types of information we collect include:

2.1 Information You Provide Directly

When you contact us, submit an application, or use our services, you may provide:

  • Full legal name
  • Date of birth
  • Residential address and business address
  • Email address and phone number
  • Social Insurance Number (SIN) for credit and financing purposes
  • Employment information and income details
  • Business name, business registration number, and corporate documents
  • Financial information including bank statements, tax returns, and financial statements
  • Credit history and credit score information
  • Property information for mortgage and real estate financing
  • Any other information you choose to provide in communications with us

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information including:

  • IP address and device identifiers
  • Browser type and version
  • Operating system
  • Pages visited and time spent on pages
  • Referring website addresses
  • Geographic location based on IP address
  • Cookies and similar tracking technologies

2.3 Information from Third Parties

We may receive information about you from third parties including:

  • Credit bureaus such as Equifax Canada and TransUnion Canada
  • Lenders and financial institutions in our network
  • Business partners and referral sources
  • Public databases and government registries

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Delivery

  • Processing your financing applications and inquiries
  • Assessing your eligibility for loans, mortgages, and credit products
  • Connecting you with appropriate lenders and financial institutions
  • Providing business management consulting services
  • Communicating with you about your applications and services

3.2 Business Operations

  • Maintaining and improving our website and services
  • Analyzing usage patterns to enhance user experience
  • Conducting internal research and analytics
  • Training our staff and improving service quality
  • Complying with legal and regulatory obligations

3.3 Communications

  • Responding to your inquiries and requests
  • Sending service-related notifications
  • Providing updates about your applications
  • Sending marketing communications with your consent
  • Delivering newsletters and educational content you have subscribed to

3.4 Legal and Compliance

  • Verifying your identity and preventing fraud
  • Complying with anti-money laundering (AML) regulations
  • Meeting Know Your Customer (KYC) requirements
  • Responding to legal requests and court orders
  • Enforcing our terms and conditions

4. How We Share Your Information

We do not sell your personal information to third parties. We share your information only in the following circumstances:

4.1 With Your Consent

We share your information with lenders, financial institutions, and service providers when you authorize us to submit applications or inquiries on your behalf. This is essential to facilitating the financing services you request.

4.2 Service Providers

We engage trusted third-party service providers who assist us in operating our business including:

  • Credit bureaus for credit checks and reporting
  • Lenders and mortgage providers in our network
  • Technology providers for website hosting and CRM systems
  • Legal and accounting professionals
  • Marketing and analytics service providers

All service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.3 Legal Requirements

We may disclose your information when required by law, including:

  • Responding to subpoenas, court orders, or legal processes
  • Cooperating with law enforcement or regulatory authorities
  • Complying with Canada Revenue Agency (CRA) requirements
  • Fulfilling obligations under PIPEDA, PIPA, or other privacy legislation

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such transfer and any changes to this Privacy Policy.

4.5 Protection of Rights

We may disclose information when necessary to protect our rights, property, or safety, or that of our clients, employees, or others.

5. Credit Checks and Financial Information

As a business that facilitates financing services, we work with credit bureaus and lenders who conduct credit checks as part of the application process.

5.1 Soft Credit Checks

Initial assessments may involve soft credit inquiries that do not affect your credit score. These checks help us determine preliminary eligibility before submitting formal applications.

5.2 Hard Credit Checks

When you proceed with a financing application, lenders may conduct hard credit inquiries that appear on your credit report. We will inform you before any hard credit check is performed.

5.3 Credit Bureau Information

We work with Equifax Canada and TransUnion Canada to obtain credit information. Your credit report and score are used solely for assessing financing eligibility and are shared only with lenders you authorize us to contact.

6. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and analyze website traffic.

6.1 Types of Cookies We Use

  • Essential Cookies: Required for website functionality and security
  • Analytics Cookies: Help us understand how visitors use our website
  • Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness

6.2 Managing Cookies

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality. Most browsers allow you to:

  • View cookies stored on your device
  • Delete individual or all cookies
  • Block cookies from specific or all websites
  • Set preferences for cookie acceptance

6.3 Third-Party Analytics

We use Google Analytics and similar tools to analyze website traffic. These services collect anonymous data about your visit including pages viewed, time on site, and referring sources. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

7.1 Security Measures

  • Encryption of sensitive data during transmission using SSL/TLS protocols
  • Secure storage of physical and electronic records
  • Access controls limiting employee access to personal information
  • Regular security assessments and vulnerability testing
  • Employee training on privacy and security practices

7.2 Data Breach Response

In the event of a data breach that poses a real risk of significant harm, we will:

  • Notify affected individuals as soon as feasible
  • Report the breach to the Office of the Privacy Commissioner of Canada
  • Take immediate steps to contain and remediate the breach
  • Document the incident and our response

8. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations.

8.1 Retention Periods

  • Client records: 7 years after the end of the business relationship
  • Financial records: As required by Canada Revenue Agency and applicable tax laws
  • Website analytics: 26 months
  • Marketing communications: Until you unsubscribe or withdraw consent

8.2 Secure Disposal

When personal information is no longer needed, we dispose of it securely through:

  • Secure shredding of physical documents
  • Permanent deletion of electronic records
  • Destruction of storage media containing personal information

9. Your Privacy Rights

Under Canadian privacy legislation, you have the following rights regarding your personal information:

9.1 Right of Access

You have the right to request access to the personal information we hold about you. We will respond to access requests within 30 days.

9.2 Right to Correction

You have the right to request correction of inaccurate or incomplete personal information. We will update our records and notify any third parties to whom we have disclosed the information.

9.3 Right to Withdraw Consent

You may withdraw consent for the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions. Withdrawal of consent may affect our ability to provide certain services.

9.4 Right to Complaint

If you are not satisfied with our response to a privacy concern, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta.

10. Marketing Communications

We may send you marketing communications about our services, industry news, and educational content.

10.1 Consent

We will obtain your consent before sending marketing communications. You may provide consent through opt-in checkboxes, verbal agreement, or by requesting information from us.

10.2 Unsubscribing

You may unsubscribe from marketing communications at any time by:

Unsubscribing from marketing communications will not affect service-related messages about your active applications or accounts.

11. Third-Party Websites

Our website may contain links to third-party websites including lenders, government resources, and industry organizations. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

12. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

13. International Data Transfers

Your personal information is stored and processed in Canada. If we transfer information outside of Canada, we will ensure appropriate safeguards are in place to protect your information in compliance with Canadian privacy legislation.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on our website with a revised “Last Updated” date.

For significant changes, we will provide prominent notice on our website or contact you directly. We encourage you to review this Privacy Policy periodically.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Inspired Management Consulting

Address:
225, 50 Nolanridge Court
Calgary, AB T3R 2A8
Canada

Email:
info@inspiredconsulting.ca

Phone:
+1(403)975-1705

Privacy Officer:
For privacy-specific inquiries, please direct your communication to the attention of the Privacy Officer at the above contact information.

We will respond to all privacy inquiries within 30 days.

16. Regulatory Information

Office of the Privacy Commissioner of Canada
30 Victoria Street
Gatineau, Quebec K1A 1H3
Toll-free: 1-800-282-1376
Website: www.priv.gc.ca

Office of the Information and Privacy Commissioner of Alberta
Suite 2460, 801 6 Avenue SW
Calgary, Alberta T2P 3W2
Phone: 403-297-2728
Toll-free: 1-888-878-4044
Website: www.oipc.ab.ca