Privacy Policy

We are committed to protecting your personal information in a professional and secure manner.

Retirement Advice for Canadians has adopted the following Privacy Principles, which reflect our commitment to safeguarding our Members' personal information:

Collecting personal information about you is essential to our ability to offer your accurate pension advice and reports, and to provide you with on-going service. We take great care to keep the information about you that we collect accurate, confidential and secure.

How we collect, use and disclose personal information

What information do we keep?

We collect and store non-public personal information. It comes from a variety of sources such as the applications or other forms that you complete (for example, your name, date of birth, pension plan), from your employers, or from correspondence with you and service providers you have engaged to provide other benefits. We collect only the information we need for the purpose of providing accurate and personalized pension advice.

We do not sell your personal information.

Why do we need the information?

We need to collect personal information to:

We will make sure you understand why we need the information by using clear, understandable language when describing the purpose.

We will obtain your permission

We collect, use or disclose your personal information with your permission. Your permission may be expressed in writing or be implied, and you may give it to us verbally, electronically, or through your authorized representative.

With reasonable note, and subject to legal and contractual restrictions, you may withdraw your permission to collect, use and disclose your personal information at any time.

We will obtain your consent to collect information about you. Before we make information available to third parties, other than an agent or authorized service provider who needs it, we will tell you at the time we obtain your consent or before we make the information available, who those persons or organizations are, the kind of information we want to share with them and why.

Of course, you can choose not to provide us with some or all of your personal information. However, this choice may hinder our ability to adjudicate any claims you have for benefits to which you may be entitled, and to provide accurate and personalized advice.

How long do we keep information?

We will keep your personal information as long as it is necessary, or as required by law. When personal information records are destroyed, we will use appropriate safeguards to prevent unauthorized parties from gaining access to the information during the process.

We will protect your personal information

We are responsible for your information

We are responsible for all personal information in our possession, including information transferred to a third party service provider or agent, so that we can provide you with benefits and related services.

How we protect information

Only Retirement Advice for Canadians and employees, employees or trustees of plan sponsors, agents and authorized service providers who need it to do their jobs may access your personal information. Where possible, when we provide information to third parties such as actuaries, we attempt to eliminate any references that allow identification of the individuals. We require all employees, agents and authorized service providers to comply with this Privacy Policy.

We have developed and are continuing to enhance security procedures to safeguard and protect personal information against loss, theft, unauthorized disclosure, copying and unauthorized use or modification. We will maintain appropriate safeguards and security procedures that reflect the types of documents, including electronic or paper records, organizational measures including security clearances and limiting access on a "need-to-know" basis and technological measures such as the use of passwords and encryption. While we endeavour to protect all information, the most sensitive information receives the highest level of protection.

For telephone enquiries with our staff, the information provided varies based on the relationship of the person making the enquiry to the Member (e.g. authorized service provider, Member or beneficiary). After the caller has been screened for appropriate identification, only information pertaining to the specific claim, treatment or benefit in question is shared.

Your right to access your personal information

Your rights

You have the right to ask whether we hold any personal information about you. You have the right to see that information, as provided by law. Where we have obtained medical information about you for a third party, we will release this information only with your permission.

You also have the right to know:

How to request an update or correction

If you believe any of the information we have collected about us is incorrect or incomplete, you have the right to ask us to change it.

You may make a request to change our records about you by writing to our Privacy Officer at:

Retirement Advice for Canadians
280 - 2025 West 42nd Avenue
Vancouver, British Columbia, V6M 2B5

If you show that your personal information is inaccurate or incomplete, we will make the necessary changes and, where appropriate, we will contact any third parties with whom this information has been shared.

If you feel we have not dealt with your request to your satisfaction, you may register a privacy-related complaint by contacting Retirement Advice for Canadians Privacy Officer. We will explain our complaint procedure to you and investigate all complaints.

If a complaint is justified, we will take all appropriate steps to set the situation right, including changing our policy and practices if necessary. We will also let you know what other complaint procedures may be available to you.

We reserve the right to revise our privacy policy as needed. If changes are made, the new policy will be posted on the retirementadviceforcanadians.ca web site.

Web site policy

This Web site does not automatically gather any specific personal information from you, such as your name, telephone number or e-mail address. We would only obtain this type of information if you supply it by sending us an e-mail or registering in a secure portion of the site.

Retirement Advice for Canadians employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. This software receives and records the Internet Protocol (IP) address of the computer that has contacted our Web site, the date and time of the visit and the pages visited. We make no attempt to link these addresses with the identity of individuals visiting our Web site unless an attempt to damage the Web site has been detected.

Retirement Advice for Canadians occasionally uses "cookies" to track how our visitors use this site or to determine sites previously visited. The cookies we use do not allow us to identify individuals. They are compiled into statistical information on traffic patterns and are used to assess site efficiency. If Retirement Advice for Canadians site is using cookies which collect personal information, a notice will appear on the site advising of such use and you will be provided with an opportunity to refuse them. Such refusal will not affect the site performance or restrict your ability to access information from this site. (A "cookie" is a file which may be placed on your hard drive without your knowledge by a web site to allow it to monitor your use of the site.)

Visitor information is not disclosed to anyone except Retirement Advice for Canadians personnel who need the information to carry out responsibilities of their job. Any further disclosure of the personal information you give us will be in accordance with Retirement Advice for Canadians Privacy Policy.

External service providers

In order to effectively operate its Web site, Retirement Advice for Canadians uses external service providers. These service providers are bound by a contract with Retirement Advice for Canadians to treat any personal information they may receive in a manner which is consistent with the provisions of Retirement Advice for Canadians Privacy Policy.

For more information

For more information, please contact our Privacy Officer at 604.266.2445 or by e-mail at privacy@retirementadviceforcanadians.ca

Always seek advice from your financial planner. If you are a member of one of the BC Public Sector Pensions plans, you can see what the Pension Corporation says about your situation. Their pages provide a detailed summary of your options.