PRIVACY POLICY

Effective Date: May 17, 2026
Last Updated: July 22, 2026

1. Who We Are

The Insolvency Report is a publication of Yes Healthier Inc. (“Yes Healthier,” “we,” “our,” or “us”).

The Website is published and edited by Paul J. Franchi, J.D., MBA, CIRP, LIT, who serves as Publisher and Editor-in-Chief. Paul J. Franchi is a Licensed Insolvency Trustee in the Province of Ontario, licensed by the Office of the Superintendent of Bankruptcy Canada.

This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit The Insolvency Report website, use our tools and resources, communicate with us, or interact with our content and services.

This Privacy Policy applies to visitors, subscribers, users of our tools, and individuals who communicate with us through the Website or our official channels.

2. Information We Collect

We may collect personal information when you use our Website, submit information through forms, subscribe to communications, use interactive tools, or contact us.

The types of information we may collect include:

a. Information You Provide Directly

This may include:

  • Name, email address, telephone number, and other contact information;
  • Information submitted through contact forms, newsletter registrations, comments, or inquiries;
  • Information provided when using calculators, tools, questionnaires, or other interactive resources; and
  • Any other information you voluntarily provide.

We generally do not request sensitive financial information through the Website unless specifically required for a particular service or interaction.

b. Information Collected Automatically

When you visit the Website, we may automatically collect certain technical information, including:

  • IP address;
  • Browser type and device information;
  • Pages visited and time spent on the Website;
  • Referring websites; and
  • Cookies and analytics data used to improve Website performance and user experience.

c. Information From Third Parties

We may receive information from third-party service providers that support our Website operations, communications, analytics, or other services.

We do not knowingly collect personal information from children under the age of 16.

3. How We Use Your Information

We may use personal information for purposes including:

  • Providing access to Website content, tools, resources, and communications;
  • Responding to questions, comments, and inquiries;
  • Sending newsletters or other communications where you have provided consent;
  • Improving our Website, tools, content, and user experience;
  • Understanding how users interact with our Website;
  • Protecting against fraud, misuse, unauthorized activity, or security threats; and
  • Complying with applicable legal and regulatory obligations.

We do not sell, rent, or trade your personal information to third parties.

4. Disclosure of Personal Information

We may disclose personal information in limited circumstances, including:

  • To service providers who assist us with Website operations, hosting, analytics, communications, technology, or administrative services;
  • Where required by law, court order, regulatory authority, or government request;
  • To protect the rights, property, or safety of Yes Healthier Inc., our users, or others; or
  • In connection with a corporate transaction, such as a merger, acquisition, financing, or transfer of assets.

Where personal information is transferred outside Canada, we take reasonable steps to ensure that appropriate protections are in place in accordance with applicable privacy laws.

5. Security of Information

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification.

Safeguards may include:

  • Secure hosting and technical protections;
  • Restricted access to personal information;
  • Confidentiality obligations for individuals who may access information; and
  • Reasonable security practices appropriate to the nature of the information collected.

However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on applicable law, you may have rights regarding your personal information, including the right to:

  • Request access to personal information we hold about you;
  • Request correction of inaccurate or incomplete information;
  • Withdraw consent where consent is the legal basis for collection or use;
  • Ask questions about how your information is collected, used, or disclosed.

To make a request, please contact us using the information provided below.

7. Cookies and Analytics

Our Website may use cookies and similar technologies to improve functionality, analyze Website usage, and enhance your experience.

Cookies may include:

  • Session cookies;
  • Persistent cookies; and
  • Third-party analytics cookies.

You may manage or disable cookies through your browser settings. Disabling cookies may affect certain Website functionality.

8. Communications and Canada’s Anti-Spam Legislation (CASL)

We comply with Canada’s Anti-Spam Legislation (CASL).

We will only send commercial electronic messages where we have appropriate consent or another lawful basis to do so. Marketing communications will include an unsubscribe option where required by law.

The Website may contain links to third-party websites or platforms.

We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our practices, technology, legal requirements, or Website features.

The updated version will be posted on this page with a revised “Last Updated” date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us via our Website Contact Page.