Clear Path to Financial Success

Terms of Service - ClearWorth Finance Inc.

Last Updated: January 2024

1. Acceptance of Terms

By accessing and using the services of ClearWorth Finance Inc., you accept and agree to be bound by the terms and provision of this agreement.

2. Services Provided

ClearWorth Finance provides financial planning, credit consultation, and debt management advisory services. All services are provided for educational and advisory purposes only.

3. Professional Disclaimers

All financial advice is provided for educational purposes only. Individual results may vary significantly based on personal circumstances, market conditions, and adherence to recommended strategies. Past performance does not guarantee future results.

4. Client Responsibilities

Clients are responsible for providing accurate and complete financial information, following through on agreed-upon strategies, and making their own informed financial decisions.

5. Limitation of Liability

ClearWorth Finance Inc. shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our services or advice.

6. Privacy and Confidentiality

We maintain strict confidentiality of all client information in accordance with Canadian privacy laws and professional standards.

7. Governing Law

These terms shall be governed by the laws of Ontario, Canada, and any disputes shall be resolved in the courts of Ontario.

Contact: For questions about these terms, contact us at +1 (416) 555-0187

Privacy Policy - ClearWorth Finance Inc.

Last Updated: January 2024

1. Information We Collect

We collect personal information necessary to provide financial services, including name, contact information, financial data, and credit information.

2. How We Use Your Information

Your information is used solely to provide financial consultation services, assess your financial situation, and develop personalized financial strategies.

3. Information Sharing

We do not sell, trade, or share your personal information with third parties except as required by law or with your explicit written consent.

4. Data Security

We employ industry-standard security measures to protect your personal and financial information, including encryption and secure data storage.

5. Your Rights

Under Canadian privacy laws and GDPR, you have the right to access, correct, or delete your personal information. You may also request data portability or restrict processing.

6. Cookies and Tracking

Our website uses essential cookies for functionality and analytics cookies to improve our services. You can manage cookie preferences through our cookie settings.

7. Data Retention

We retain your information for as long as necessary to provide services and comply with legal obligations, typically 7 years for financial records.

8. Contact for Privacy Matters

For privacy-related questions or to exercise your rights, contact our Privacy Officer at +1 (416) 555-0187

Cookie Policy - ClearWorth Finance Inc.

Last Updated: January 2024

1. What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide a better user experience and understand how our site is used.

2. Types of Cookies We Use

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand website usage and improve our services
• Preference Cookies: Remember your settings and preferences

3. Cookie Categories

Technical Cookies: Essential for website operation, cannot be disabled

Analytics Cookies: Used to analyze website performance and user behavior

Marketing Cookies: We do not use marketing or advertising cookies

4. Managing Cookies

You can control cookies through your browser settings or our cookie preference center. Disabling essential cookies may affect website functionality.

5. Third-Party Cookies

We may use third-party services like Google Analytics, which may set their own cookies. Please review their privacy policies for more information.

6. Cookie Consent

By using our website, you consent to our use of cookies as described in this policy. You can withdraw consent at any time through your browser settings.

Contact: For questions about cookies, contact us at +1 (416) 555-0187

DMCA Copyright Policy - ClearWorth Finance Inc.

Last Updated: January 2024

1. Copyright Respect

ClearWorth Finance Inc. respects the intellectual property rights of others and expects users to do the same. We comply with the Digital Millennium Copyright Act (DMCA).

2. Original Content

All content on our website, including text, images, logos, and materials, is either original to ClearWorth Finance or used with proper licensing and attribution.

3. Copyright Infringement Claims

If you believe your copyrighted work has been used on our site without permission, please provide our designated agent with the following information:

• A physical or electronic signature of the copyright owner
• Identification of the copyrighted work claimed to be infringed
• Location of the allegedly infringing material on our site
• Your contact information (address, phone, email)
• A statement of good faith belief that the use is not authorized
• A statement of accuracy under penalty of perjury

4. Designated DMCA Agent

DMCA Agent: Legal Department
Address: 1250 Bay Street, Suite 400, Toronto, ON M5R 2A5
Phone: +1 (416) 555-0187
Email: [email protected]

5. Counter-Notification

If you believe your content was removed in error, you may submit a counter-notification with the required legal elements as specified under DMCA.

6. Response Time

We will respond to valid DMCA notices within 24-48 hours and take appropriate action as required by law.

GDPR Compliance Documentation - ClearWorth Finance Inc.

Last Updated: January 2024

1. Legal Basis for Processing

We process personal data under the following legal bases:

• Consent: For marketing communications and optional services
• Contract: To provide financial consultation services
• Legal Obligation: To comply with financial regulations
• Legitimate Interest: To improve our services and prevent fraud

2. Your GDPR Rights

• Right to Access: Request copies of your personal data
• Right to Rectification: Correct inaccurate personal data
• Right to Erasure: Request deletion of your personal data
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a portable format
• Right to Object: Object to processing based on legitimate interests

3. Data Protection Officer

DPO Contact: [email protected]
Phone: +1 (416) 555-0187
Address: 1250 Bay Street, Suite 400, Toronto, ON M5R 2A5

4. Data Transfers

We do not transfer personal data outside of Canada and the EU. All data processing occurs within jurisdictions with adequate data protection laws.

5. Data Breach Notification

In case of a data breach, we will notify relevant authorities within 72 hours and affected individuals without undue delay if there is high risk to rights and freedoms.

6. Exercising Your Rights

To exercise any of your GDPR rights, contact our Data Protection Officer. We will respond within 30 days and provide requested information free of charge.

7. Supervisory Authority

You have the right to lodge a complaint with your local data protection authority if you believe we have not complied with GDPR requirements.