Privacy Policy
Last Updated: March 2026
Credit Advise ("we", "our", or "us"), a division of Omni Group of Companies, is committed to protecting your privacy and safeguarding your personal information in accordance with applicable Canadian privacy laws.
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
- 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.