CCA is committed to the protection of individual privacy and personal
information disclosed to us during the course of business. All personal information
collected through any completed forms or contact via telephone, mail, fax, e-mail or
any other means is maintained in a secure environment.
CCA complies with the following principles of Canada's Personal Information
Protection and Electronic Documents Act:
Principle 1: Accountability. We responsibly maintain and protect the
information we have about our clients and their customers.
Principle 2: Identifying Purposes. The purpose for which information is being
collected is explained either before or when it is collected.
Principle 3: Consent. We will obtain our clients' consent to disclose
information on customer accounts to the Canadian Credit Bureaus.
Principle 4: Limiting Collection. We will limit the information we
collect to what is needed for the purposes of collecting an overdue or bad debt account
on behalf of our client.
Principle 5: Limiting Use, Disclosure and Retention. We will use and
disclose our clients and their customer information only for the purposes we have
identified, or when it is required or permitted by law.
Principle 6: Accuracy. We strive to keep all personal information as
accurate, complete and up to date as possible.
Principle 7: Safeguards. We protect our clients' information with
appropriate safeguards and security measures. Our employees and service providers only
have access to your information for the identified purposes and access is permitted
only to the extent necessary for such purposes. CCA has taken several measures to
safeguard information, such as restricting physical access to our offices and the use
of computer passwords and file encryption utilities.
Principle 8: Openness. Upon request, CCA will provide specific details
about our information handling policies and procedures.
Principle 9: Access. CCA will provide access for any individual to
information we have about them. Individuals may check the accuracy of their information
and amend it as appropriate. Accuracy is important to CCA.
Principle 10: Challenging Our Compliance. We will investigate and respond
to concerns about any aspect of our handling of private information. Internal
compliance audits will be conducted on a regular basis.
Collection and Use of Personal Information CCA collects personal information
such as name, address, contact information, date of birth, and financial information.
CCA may request a Social Insurance Number for credit report identification purposes
only. CCA collects these numbers at the option of the customer. CCA uses the
information it collects to confirm identification, to collect a debt on behalf of our
client or to provide receivable management services to our client.
No personal or non-personal information is collected on our web site through use of
browser cookies or any other means. A browser cookie is data, which is transferred to
your computer for record keeping purposes. CCA's web site contains links to other
sites. CCA is not responsible for the privacy policies on other sites, nor does CCA
endorse the content of other sites.
Disclosure of Personal Information We do not sell information about our clients
or their customers to others. CCA will only disclose personal information to credit
rating organizations in order to protect and enforce the rights and property of our
clients or if the disclosure is required or permitted by law.
Retention and disposal of Documents Containing Personal Information Where
required by law, we will retain all paper or electronic documents containing personal
information for a period of seven years. After seven years in which such documents are
no longer required to conduct our normal course of business, the aforementioned
documents will be destroyed or purged.
Questions/Concerns or Complaints:
Please contact our Chief Privacy Officer at 1-866-958-5850 Ext. 120
Or you may send in your question/concern to the following address:
Commercial Credit Adjusters Ltd.
Attn: Chief Privacy Officer
1200-201 Portage Ave.
Winnipeg, MB. R3B 0C9