PRIVACY POLICY

Effective Date: May 17, 2026

Paul J. Franchi, Licensed Insolvency Trustee, (referred to as “we”, “our”, or “us”) respects your privacy and is committed to protecting the personal information you provide. This Privacy Policy explains how we collect, use, and safeguard personal information when you visit The Insolvency Report website and engage with our services.

1. Who We Are

Paul J. Franchi is a Licensed Insolvency Trustee in Ontario, Canada. We provide services including consumer proposals, bankruptcy counseling, debt-relief solutions, and business restructuring services. This Privacy Policy applies to all visitors, clients, and users of The Insolvency Report website.

2. Information We Collect

We may collect personal information in order to provide our services, comply with legal obligations, and improve your experience on our website. The types of information we collect include:

a. Information You Provide Directly:

  • Name, address, telephone number, email address
  • Financial information such as income, assets, liabilities, and bank account details
  • Government-issued identifiers (e.g., SIN)
  • Information submitted via forms, consultations, or enquiries

b. Information Collected Automatically:

  • IP address, browser type, pages visited, and time spent on our site
  • Cookies and analytics data to improve site performance and user experience

c. Information From Third Parties:

  • Creditors, credit reporting agencies, or other professionals involved in your case
  • Service providers assisting us in delivering our services

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

3. How We Use Your Information

We use your personal information for the following purposes:

  • To provide and manage insolvency, debt-relief, and business restructuring services
  • To communicate with you regarding your case or inquiries
  • To comply with legal and regulatory obligations
  • To prevent fraud and protect against misuse of our services
  • To send newsletters or other communications, only with your consent
  • To improve our website and service offerings

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

4. Disclosure of Personal Information

We may disclose your information:

  • To service providers who assist in delivering our services (e.g., IT providers, payment processors)
  • To comply with legal requirements, court orders, or government requests
  • In connection with a business transfer, merger, or acquisition
  • For insurance or administrative purposes

We ensure that personal information transferred outside Canada is protected in accordance with Canadian privacy laws.

5. Security of Information

We implement administrative, technical, and physical safeguards to protect personal information against loss, theft, or unauthorized access. These include:

  • Encryption and secure servers
  • Restricted access to sensitive information
  • Employee training and confidentiality obligations

Please note that no electronic system is completely secure, and we cannot guarantee absolute protection.

6. Your Rights

You have the right to:

  • Request access to the personal information we hold about you
  • Request correction of any inaccurate or incomplete information
  • Withdraw your consent for us to collect or use your information (where legally permitted)
  • Ask for an explanation of how your personal information is used or disclosed

7. Cookies and Tracking

Our website uses cookies and analytics tools to enhance functionality and understand user behaviour. Cookies may include session cookies, permanent cookies, or third-party analytics cookies. You can manage cookies through your browser settings.

8. Communications and CASL Compliance

We comply with Canada’s Anti-Spam Legislation (CASL). We will only send commercial electronic messages if you have provided consent. Each message will include an easy-to-use unsubscribe option.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date will be revised, and we encourage you to review this page regularly to stay informed about how your personal information is protected.

10. Contact Us

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