Privacy Policy

True North Debt Relief ("True North", "we", "us", or "our") respects your privacy and treats your personal information with care. This Privacy Policy explains what we collect, why we collect it, how we use and share it, and the choices you have. It applies to our website and to any review, call, or message you have with our team.

We handle personal information in line with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), applicable provincial privacy laws, and Canada's Anti-Spam Legislation (CASL). By using our website or giving us your information, you agree to the practices described here.

1. Who we are

True North is a Canadian matching service. We help people understand their debt options and connect them with third-party providers, which may include licensed debt professionals, lenders, and non-profit credit counselling agencies. We are not a lender, and we are not a Licensed Insolvency Trustee. Where your situation calls for a service that only a Licensed Insolvency Trustee can provide, we refer you to a licensed professional.

2. Information we collect

We collect personal information that you give us, and a small amount that is gathered automatically when you use our website.

Information you provide

• Identification: name, email address, phone number, and province or territory.
• Financial details: the kind and amount of debt you carry, your creditors, income, and expenses, where relevant to your review.
• Anything you choose to share by phone, email, or through a form on our site.

Information collected automatically

• Device and browser type, IP address, and general location.
• Pages viewed, time on site, and the page that referred you, through cookies and similar tools.

3. How we use your information

We use your information to:

• Understand your situation and review your options.
• Match you with suitable third-party providers from our partner network.
• Contact you about your review and respond to your questions.
• Verify your identity and help prevent fraud or misuse.
• Operate, measure, and improve our website.

We use your personal information only for purposes a reasonable person would consider appropriate in the circumstances.

4. Consent

When you give us your information, you consent to our collecting, using, and sharing it as described in this policy. Your consent may be express (you agree in writing, by phone, or by submitting a form) or implied (for example, when you contact us about your options).

You may withdraw your consent at any time, subject to legal or contractual limits. If you withdraw consent, we may no longer be able to complete your review or match you with a provider.

5. How we share your information

We do not sell your personal information. We share it only as needed to provide our service:

• Partner providers: with your consent, we share relevant details with third-party providers so they can present options to you. Each provider handles your information under its own privacy policy, and we encourage you to review it.
• Service providers: with vendors that help us run our business, such as hosting, analytics, email, and call handling, under agreements that require them to protect your information.
• Legal reasons: when required by law, regulation, legal process, or to protect our rights, our users, or the public.

6. Calls, texts, and emails

If you give us your phone number or email, you agree that we and the providers we match you with may contact you by phone, text message, and email about your review and your options. Standard message and data rates may apply.

Consent to receive marketing messages is not a condition of using our service. You can opt out at any time by replying STOP to a text, using the unsubscribe link in an email, or asking the person you speak with. We will honour your request promptly.

7. Cookies and analytics

We use cookies and similar tools to keep the site working, measure traffic, and improve your experience. You can adjust your browser settings to limit or block cookies, though some parts of the site may not work as well.

8. How we protect your information

We use physical, organizational, and technical safeguards designed to protect your information against loss, theft, and unauthorized access. No method of storage or transmission is completely secure, so we cannot guarantee absolute security, but we work to keep your information safe.

9. Where your information is stored

Your information may be stored or processed in Canada or in other countries by our service providers. Where information is handled outside your province or Canada, it may be subject to the laws of those jurisdictions, including lawful access by courts and authorities.

10. How long we keep it

We keep your personal information only as long as needed to provide our service, meet legal and regulatory obligations, and resolve disputes. When it is no longer needed, we take steps to securely delete or de-identify it.

11. Your privacy rights

Subject to applicable law, you have the right to:

• Ask what personal information we hold about you and request a copy.
• Ask us to correct information that is inaccurate or incomplete.
• Withdraw your consent or ask us to stop contacting you.

To make a request, contact our Privacy Officer using the details below. We may need to verify your identity before we act on a request.

12. Third-party websites

Our site may link to websites we do not operate, including those of our partners. We are not responsible for the privacy practices of those sites. Please review their policies before sharing your information.

13. Children's privacy

Our service is intended for adults. We do not knowingly collect personal information from anyone under the age of majority in their province or territory. If you believe a minor has given us information, please contact us and we will delete it.

14. Changes to this policy

We may update this policy from time to time. When we do, we will change the "Last updated" date above. Significant changes may be highlighted on our site. Your continued use of our website after an update means you accept the revised policy.

15. Contact us

If you have a question, concern, or request about your privacy, contact our Privacy Officer: