PRIVACY POLICY

IMPORTANT! THIS PRIVACY POLICY (referred to as "PRIVACY POLICY") GOVERN YOUR PRIVACY WHILE USING THIS SITE AND SYSTEMS PROVIDED BY CANADIAN ASSOCIATION FOR FINANCIAL EMPOWERMENT (CAFE) (FORMERLY KNOWING AS THE ONTARIO ASSOCIATION FOR NOT-FOR-PROFIT CREDIT COUNSELLING SERVICES ‘OACCS‘) and the CANADIAN ASsOCIATION FOR CREDIT COUNSELLING SERVICES (CACCS). BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. IN ADDITION BY SUBSCRIBING TO ANY SERVICES, REGISTERING AND MAINTAINING DESIGNATIONS OR CERTIFICATIONS, ACCREDITATION OR OTHER ASSOCIATION AFFILIATION,OT LIMITED TO MEMBERSHIPS, SUBSCRIPTIONS, SPONSORSHIPS, EMPOWERMENT CAFE, AFCC LEARNING LAB, AFCC AUTHORS INDUSTRY NEWS, CAFE CONNECT and CAFE CERTIFIED COUNSELLOR-TO-CLIENT BUSINESS IN A BOX SOFTWARE SOLUTION (CREATOR/CREATOR PRO OR ORGANIZATION (which specific discussions for ENTERPRISE NEED) YOU ADHERE AND ACKNOWLEDGE COMPLIANCE WITH OUR CODE OF CONDUCT AND STANDARDS OF PRACTICE, MADE AVAILABLE BY LINK ABOVE UNDER CERTIFICATION. THESE CODE OF ETHICS, STANDARDS OF PRACTICE, TERMS OF USE AND OTHER SUCH PRIVACY DOCUMENTS AND GUIDES/INFORMATION ARE SUBJECT TO CHANGE BY OUR COMPANY AT ANY TIME IN ITS DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THIS WEBSITE PRIOR TO EVERY USE FOR ANY CHANGES. YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE WITHOUT THE DIRECT SUPERVISION OF A GUARDIAN PRESENT. 

To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information.  It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete.  If CAFE believes the information you provide is not correct, current, or complete, or that certification status has been falsified, or there has been a violation of the CODE OF ETHICS or STANDARDS OF PRACTICE, we have the right to refuse you access to this site, designation or any of its resources, and to terminate or suspend your access at any time, without notice or refund where applicable.

PRIVACY POLICY

Effective Date: [Insert Date]
Updated Regularly

1. Introduction

CAFE is dedicated to safeguarding personal information under the highest ethical and legal standards, adhering to:

  • PIPEDA (Personal Information Protection and Electronic Documents Act): https://www.priv.gc.ca/en/.

  • Canada’s Privacy Act: https://laws-lois.justice.gc.ca/eng/acts/P-21/.

  • Applicable provincial laws such as Ontario’s PHIPA (https://www.ontario.ca/laws/statute/04p03) and Quebec’s Bill 64 (https://www.quebec.ca/en/access-to-information/microsoft-bill-64).

Disclaimer

This policy is updated regularly to reflect changes in privacy law and technology. Always refer to the latest version at www.cafe-acaf.org/privacy.

2. Information Collection

  1. Personal Information:

    • Contact details (e.g., name, address, phone, email).

    • Certification or membership data.

    • Financial data submitted through CAFE Connect.

  2. Non-Personal Information:

    • Aggregated data used to improve services.

3. Data Usage

CAFE uses collected information to:

  • Deliver services such as certifications and counselling systems.

  • Maintain membership databases.

  • Improve platforms and resources.

  • Comply with legal and regulatory obligations.

4. Data Retention and Destruction

  1. Personal information is retained only as long as necessary for its original purpose or to meet legal requirements.

  2. Contractors must securely destroy all data within 60 days of completing their work as outlined in the Act(s), linked above.

5. Security Measures

  1. CAFE employs encryption, firewalls, and access restrictions to protect personal data.

  2. Regular audits ensure compliance with privacy standards

  3. All data servers are to the highest standard for Canadian Data policy and are maintained in Canada, on Canadian Servers for any and all Canadian Consumer Data. All data is encrypted with and ensuring that Canadian information remains within Canadian borders and not subject to Patriots Act or other countries with Consumer Data can be viewed due to being stored outside of Canada. We are always seeking new ways to elevate the Standard in all things.

6. Breach Notification

  1. Individuals will be notified within 72 hours of a breach that poses significant harm.

  2. Reports will also be filed with the Office of the Privacy Commissioner of Canada (https://www.priv.gc.ca/en/) as required.