Privacy Policy

This policy applies to the collection, use, disclosure and management of the information collected by the Canadian Association of Credit Counselling Services (CACCS).


CACCS is accountable for compliance with these policies and procedures regarding the manner in which CACCS collects, uses, discloses and otherwise manages personal information. CACCS is responsible for personal information in its custody and control.

Identifying the Purposes for Collecting and Using Personal Information

CACCS collects and uses the above personal information to provide information relating to locating local Member Credit Counselling Services, Certification, Educational Training information the Financial Counselling Industry. CACCS may use the aggregate demographic information from the personal information collected to identify services and programs that may benefit the communities we serve; to target our marketing and awareness programs; and to maintain the ongoing financial support and cooperation of our stakeholders. No individual can be identified through this information. CACCS personnel are trained to explain the purposes of collecting the information to any client who asks for an explanation.

Limits for Collecting Personal Information

Personal information is not used or disclosed for purposes other than those for which it was collected, except with the consent of the client or as required by law.

Limits for Disclosing and Retaining Personal Information

CACCS discloses personal information only for the purposes for which it was collected. It keeps information for as long as it is required for the stated purposes. Personal information that is no longer required to fulfill the identified purposes or that is not required to be retained pursuant to any applicable law is destroyed, erased or made anonymous. CACCS reviews the personal information in its custody and control on a periodic basis in order to ensure that personal information no longer required to be retained has been destroyed, erased or made anonymous.

Safeguarding Personal Information

CACCS ensures that personal information is stored in electronic and physical files that are physically secure. Security measures include storage of files in locked filing facilities when not in use and secure locks on the office of CACCS. Staff passwords to access electronic files are controlled. The employees of CACCS sign a Confidentiality Agreement and will abide by these privacy policies and procedures. Physical CACCS files containing personal information are shredded under the supervision of CACCS employees. Deleted electronic files will be permanently removed from the system.

Individual Access to Personal Information

Upon written request, CACCS will provide an individual with confirmation as to whether CACCS has personal information about them, what the information is, what it is being used for and to whom the information has been disclosed. Individuals should send their written request for access, with contact information and enough information about themselves to identify them to the Chief Executive Officer of CACCS. CACCS will respond within thirty (30) days of receiving any access request at no cost to the individual. If the individual can provide proof of an error in the personal information held by CACCS, then CACCS will amend the information and where appropriate, send the corrected information to others who have used the incorrect information. If CACCS denies the individual’s request for access, it will state the reasons for denial.

Handling Individual Complaints and Questions

Individuals may send any complaints regarding CACCS’s compliance with its own privacy policies and procedures to the Chief Executive Officer of CACCS. The Chief Executive Officer or designated staff will investigate the complaint and respond to the individual. If the individual’s complaint is justified, CACCS will change its policies and procedures related to the matter so that other individuals will not experience the same problem.