About your privacy

At CFR, your privacy is, and always has been, very important to us. We are dedicated to providing you with superior service while protecting your privacy and safeguarding your personal information.

“Personal Information” is information about an identifiable individual. However, it generally does not include business contact information when used to contact a person in respect of their business role or function. Sometimes we will de-identify information in order to use and share that information for our business purposes in a way that does not identify you. For example, we may aggregate your personal information with other individuals to prepare statistics.


Why we collect, use and disclose personal information

Collecting personal information about you is essential to our being able to provide the products and services that best meet your needs (including individuals associated with you, all of whom we refer to as “client” in this Privacy Policy). The personal information we collect come directly from you.

Personal information may be used for the following purposes:

  •  To process applications for products and services and to provide information and services
  • To understand and assess needs of Clients and potential Clients and offer products and services to meet those needs
  • For communication, service, marketing, billing and administration
  •  For analytics purposes
  • To develop proprietary tools and databases
  • To obtain and update credit information with appropriate third parties, such as credit reporting agencies, where transactions are made on credit

Other purposes disclosed in our terms of business or disclosed to you at the time of collection, use or disclosure .


What information we collect

Depending on the products or services you request, we may collect information that you provide on applications for products and services, such as your contact information, email address. We may also automatically collect information through our marketing programs through the use of cookies, beacons and other technologies that track how you use our website and marketing communications.


Consent to use personal information

We may obtain your express consent or we may determine that consent has been implied by the circumstances. Express consent can be verbal (in person or over the telephone), written or by electronic application (including email). Implied consent occurs when we can assume you have given consent by some other action you take or decide not to take. For example, if you request a specific product or service and provide us personal information in that regard, we infer that you consent to us using that personal information reasonably to provide this service.

If you need to provide personal information about other individuals (such as employees, etc.), you must obtain their consent for these purposes prior to your disclosure to us.

When you request services from us, we ask that you provide information that enables us to respond to your request. In doing so, you consent to our collection, use and disclosure to appropriate third parties of such personal information for these purposes. You also authorize us to use and retain this personal information for as long as it may be required for the purposes described above. Your consent remains valid even after the termination of our relationship with you, unless you provide us with written notice that such consent is withdrawn. You should note that by withdrawing your consent, or not providing it in the first place, you may limit or even prevent us from being able to provide you or an authorized third party with the products or services desired.


Sharing personal information with others

CFR only discloses personal information as is required and described in this Policy or as otherwise required by law. In providing our services, we may need to disclose the personal information we collect to affiliates, subsidiaries, successors and other service providers or agents who perform various functions for us. Such parties may be located in Canada, or in other jurisdictions outside of Canada. While your personal information is always subject to confidentiality obligations, while stored in another jurisdiction, it may be subject to the laws of that jurisdiction.

CFR uses and combines this information and other information collected from CFR’s clients for the purposes of developing CFR’s products and services and CFR’s relationship with its clients (for example: benchmarking, market research, data analysis, and marketing of products and services that may be of interest to CFR’s clients.

As CFR continues to develop and grow, we may buy or sell parts of a business. As our businesses consist primarily of client relationships, information regarding the particular accounts or products and services being purchased or sold could include personal information and be one of the transferred business assets. We may also use this personal information to assess your future needs and to offer the products and services that may best meet those needs, from ourselves, our affiliates or reputable organizations selected by us. If you do not wish to receive these offers or such information, please contact our Privacy Officer as outlined below in the Contact Information section.


Keeping information accurate

It is important that your personal information is accurate and complete. Having accurate information about you enables us to give you the best possible service. You have the right to access, verify and amend the information we have about you. If you identify any personal information that is out-of-date, incorrect or incomplete, let us know and we will make the corrections promptly. To keep personal information up-to-date, please inform us of any changes, such as a change of address, telephone number or any other circumstances by contacting your local office representative.

How we safeguard personal information

At CFR, we employ physical, electronic and procedural safeguards to protect our systems and all personal information under our control against unauthorized access and use. All safety and security measures are appropriate to the sensitivity level of the information collected.

Our service providers are bound to maintain the confidentiality of your personal information, and may not use the information for any unauthorized purpose.

Employees are governed by strict standards and policies to ensure that personal information is secure and treated with the utmost care and respect.


Online Privacy

CFR may collect user information from its websites (for example, via cookies which are alphanumeric identifiers transmitted from a website to a visitor’s browser and IP address or web beacons that detect when you take actions on our websites). This information is used to enable us to provide you with a customized online experience and to find ways to improve our site and marketing communications. Although cookies are widely used, it may be possible to disable cookies via your browser settings.

CFR may send you commercial electronic messages to an email address or other electronic address that you have provided to us. We may ask for your express consent or we may rely on implied consent if you have made an inquiry, purchased a product or service from us, entered into a written agreement with us, or in other limited circumstances. If you do not wish to receive commercial electronic messages from us, you may withdraw your consent at any time using the unsubscribe link in the message or by contacting our Privacy Officer as indicated below. Please note that you will still receive commercial electronic messages that we are required to send to you by law or for which consent is not required, such as confirmations of transactions or information about your account.

CFR websites may contain links to other third party sites that are not governed by this privacy policy. Although we endeavor to link only to sites with high privacy standards, our Privacy Policy will no longer apply once you leave this website. We are not responsible for privacy policies employed by other third parties or any foreign affiliates, since they would be governed by privacy legislation applicable in their country of residence. We suggest, therefore, that you examine the privacy statements of those sites to learn how personal information may be collected, used and/or disclosed.


Contact information

Please contact our Privacy Officer to obtain further information about our policies and procedures or if you have any unresolved inquiries or concerns. We will respond to you promptly and do our utmost to resolve your concerns.

Our Privacy Officer can be contacted as follows:

Mail: CFR
195, 1ere rue Ouest, Sainte-Claire (Québec) G0R 2V0 Attention: Privacy Officer

Email: Fax: 418.883.4269

Attention: Privacy Officer

While CFR makes every effort to secure all communications within our control and on our premises, please be advised that no method of delivery is absolutely secure and any communication of personal information may be accidentally or deliberately intercepted by third parties.


Monday to Friday 9 am to 5 pm



195, 1re rue Ouest, Parc Industriel
Sainte-Claire (Québec) G0R 2V0