Privacy Policy

1. Information We Collect

We may collect personal, financial, and technical information when you:

• Complete an application or form on our website
• Register for our services or programs
• Communicate with us via phone, email, SMS, or other channels
• Use our AI-powered tools, platform, or services

This information may include:

• Name, date of birth, address, and contact information
• Social Insurance Number (SIN), where required and legally permitted
• Banking and financial information
• Credit reports, credit scores, and credit history
• Debt and payment history
• Account numbers and transaction data
• Device, browser, IP address, and location data
• Social media identifiers (where voluntarily provided)
• Any additional information you choose to provide

We may also collect information from:

• Credit bureaus and consumer reporting agencies
• Financial institutions and service providers
• Affiliates, partners, and third parties you authorize us to contact

2. How We Use Your Information

Your information is used to:

• Provide credit improvement, credit repair, and debt-related services
• Analyze your credit profile and develop personalized strategies
• Deliver AI-powered tools, recommendations, and dispute guidance
• Evaluate eligibility for programs, memberships, and financial solutions
• Facilitate referrals to third-party financial products and services
• Communicate with you regarding your account, services, and updates
• Improve our platform, services, and user experience
• Conduct internal analytics, research, and business development
• Comply with legal and regulatory requirements

We may also use your information to market our services, as well as those of our affiliates and partners, where permitted by law.

3. Consent and Communication

By submitting your information through our website or platform, you:

• Consent to the collection, use, and disclosure of your information as outlined in this policy
• Authorize Credit Advise and its affiliates, partners, and nominees to contact you

Communication methods may include:

• Phone calls (including automated dialing systems)
• SMS / text messages
• Email
• Direct mail or courier
• Digital messaging platforms

You may withdraw your consent or unsubscribe at any time, subject to legal or contractual restrictions.

4. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Understand user behavior and website performance
• Personalize your experience
• Improve functionality and services

These may include:

• Cookies and tracking pixels
• Mobile and web applications
• Location-aware technologies

You can adjust your browser settings to refuse cookies; however, some features may not function properly.

5. Data Storage & Transfers

Your information may be stored and processed in Canada and the United States.

By using our services, you acknowledge and consent to the transfer and storage of your information across North America, where privacy laws may differ.

We use third-party service providers to securely store and process data on our behalf.

6. Data Retention

We retain personal information only as long as necessary to:

• Provide services
• Meet legal and regulatory obligations
• Resolve disputes
• Enforce agreements

When no longer required, your information will be securely deleted or anonymized.

7. Canadian Privacy Compliance (PIPEDA)

Credit Advise complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from:

• Unauthorized access
• Disclosure
• Misuse
• Loss or theft

8. Canadian Anti-Spam Legislation (CASL)

By submitting your information and consenting on our website, you agree to receive electronic communications from Credit Advise and its affiliates.

These communications may include:

• Service updates
• Account notifications
• Offers, promotions, and marketing messages

You may unsubscribe at any time by:

• Clicking the unsubscribe link in emails
• Contacting us directly
• Following instructions provided in our communications

9. AI & Platform Use Disclaimer

Credit Advise utilizes artificial intelligence (AI) to assist in generating insights, recommendations, dispute strategies, and financial guidance.

While our AI tools are built using industry knowledge and experience:

• Results are not guaranteed
• Information may not always be complete or accurate
• Users are responsible for reviewing all outputs before use

We recommend seeking independent financial or legal advice where appropriate.

10. Third-Party Sharing

We may share your information with:

• Credit bureaus and financial institutions
• Service providers and technology partners
• Affiliates and business partners
• Collection agencies (where applicable)
• Legal or regulatory authorities when required

All third parties are expected to maintain appropriate privacy and security standards.

11. Your Rights

You have the right to:

• Request access to your personal information
• Request corrections to inaccurate information
• Withdraw consent (where applicable)
• Inquire about how your data is used

Requests can be made through our Privacy Officer.

12. Contact Information

Credit Advise — Omni Group of Companies
Privacy Officer / Compliance Department
540 – 333 5th Avenue SW
Calgary, Alberta T2P 3B6

Phone: 1-866-530-3646
Email: info@creditadvise.ca

13. General Disclaimer

All content, data, and statistics presented on Credit Advise platforms are based on internal experience, analytics, and historical client outcomes.

We do not represent or guarantee the practices, accuracy, or reliability of any credit bureau, lender, or third-party organization.