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Investment Planning Counsel Inc. and its subsidiaries (“IPC”, “we”, “our”, “us”) are committed to protecting the privacy of all personal information of clients that we collect and maintain in the course of carrying on our business. This Personal Information Policy (“Policy”) describes how we collect, hold, use and disclose your personal information when we do business with you. This Policy is provided in compliance with the Personal Information Protection and Electronic Documents Act (Canada) and, where applicable, similar provincial privacy legislation. Please contact us through one of the means listed at the end of this Policy if you have any questions. 

IPC has a Chief Privacy Officer who is responsible for overall privacy governance. All of our employees and representatives across IPC are responsible to maintain your privacy and are available to address any questions or concerns you may have.



The personal information collected about you for the purposes identified in this Policy is held in our records. Your “Personal Information” may include your name, address and telephone number, social insurance number, birth date, account holdings, and the name, address and social insurance number of your spouse and any beneficiaries. Depending on the investment products or services you request, additional personal information may be held in our records. For example, if you have established a pre-authorized payment plan, your financial institution account number is also held in our records. Personal Information does not include the name, title or business address or telephone number of an employee of an organization so long as it is collected, used or disclosed for a purpose that directly relates to that individual’s employment.


IPC is responsible for your personal information in its possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented.



Most of the information we collect is directly from you when you apply for a product or service, enter a contest, sign-up for special offers or complete a survey. We also collect financial and other information about you from a variety of sources including from: references you have provided to us, transactions you have made with or through us, credit reporting agencies, and other financial institutions. 

When you request products or services, we will ask you to provide only the information that enables us to complete your request, to provide better service or to offer you products and services we believe you might be interested in. 



Information essential for fulfilling most financial requests and applications includes:

  • Information establishing your identity, such as your name, address, phone number, title, business phone number, email address, date of birth, social insurance number or social security number (for tax purposes), and account numbers;
  • Information related to transactions arising from your relationship with and through us, and from other financial institutions;
  • Information you provide on an application for the provision of our products and services, such as your annual income, place of employment, investments, account balance, financial liabilities, transaction history;
  • Information about financial behaviour such as your payment history and credit worthiness.
  • Information pertaining to business clients will include your business name, address, phone number, email address, industry type, financial status and detail(s) on the owner(s), operator(s) and director(s).
  • Additional information may be requested to help us determine your eligibility for products and services that we offer.


We collect, use and disclose personal information in order to provide you with the products and services that will help you to meet all of your financial goals. Knowing you helps us to understand your wealth management needs, communicate effectively with you, and provide you with suitable services and products. Specifically, we collect, use and disclose your personal information to:

  • verify your identity;
  • determine your eligibility for IPC products and services, and for products that may be of interest to you from business partners with whom we have formed an association, and offering to you these products and services;
  • manage our risks and operations; analyze the suitability of our products or services for you;
  • analyze the suitability of our products or services for you;
  • provide you with ongoing services, establish and maintain communications, and to respond to your inquiries;
  • determine prices, fees and premiums;
  • investigate and settle claims;
  • detect and prevent fraud;
  • compile statistics, conduct market research and report to regulatory and industry agencies;
  • investigate specific transactions or patterns of transactions to detect unauthorized or illegal activities;
  • comply with our legal and regulatory requirements

If we have your social insurance number, social security number we may use it for tax related purposes if you hold a product generating income and share it with the appropriate government agencies. We may also share it with credit reporting agencies as an aid to identify you.

Personal information may be collected, used or disclosed for any of these "Identified Purposes" set out above. If your personal information is not needed for one of the Identified Purposes, we will not use or disclose it without obtaining additional consent from you.



  • Where information is captured or stored electronically, for the Identified Purposes set out above, we may rely on third party vendors who are located outside of Canada. IPC is at all times accountable for your personal information and will ensure that security safeguards and appropriate contractual provisions are in place in order to help protect your personal information from unauthorized access.
  • IPC is a subsidiary of IGM Financial Inc. (“IGM”). IPC may disclose your personal financial information to IGM, its employees and employees of its subsidiary corporations for the purposes set out above as well as for purposes related to financial reporting, legal affairs, complying with internal audits, facilitating anti-fraud measures and to periodically assist IPC in completing audits of its branch locations.
  • We may communicate with you through various channels including telephone, computer or mail using the contact information you have provided.
  • With your consent, we may use your information to promote our products and services and those of third parties that we select, which we believe you will be interested in.
  • Note that sensitive information such as health records will never, under any circumstances, be shared or used for a purpose other than that of the original intent.


The collection, use and disclosure of your personal information depends on how you do business with us. We may gather information from the following sources:

  • from you, on applications for our insurance, banking and investment products, or on other forms filled out through telephone, email or face-to-face interviews, such as your name, address, telephone number, email address, occupation, financial and banking information, and health information;
  • from licensed agents, insurance brokers, intermediaries and financial services representatives with whom you have a relationship, as well as adjusters and inspectors;
  • from your interactions with us, such as your transaction history and correspondence;
  • from government and other entities, such as your claims history; or
  • from consumer reporting agencies, such as your credit history.

If you provide personal information to us or through any of the above sources, you do so with the understanding that your personal information may be disclosed for the Identified Purposes amongst us, the above sources, or third parties and that IPC may verify such information, or obtain additional personal information about you by checking with government agencies, credit bureaus, and other fact collecting and verifying entities to assist us for the Identified Purposes.


Your knowledge and consent are required before we may collect, use or disclose your personal information, except in special circumstances, such as during a fraud investigation, an investigation by the police, or in situations otherwise permitted by the law. If any of the personal information that we collect is sensitive, such as health information, we will obtain additional written or oral consent from you before collecting, using or disclosing the information.


We accept any of the following as your consent for IPC’s existing use and future collection, use and disclosure of your personal information for the Identified Purposes:

  • your receipt of this Personal Information Policy, unless you advise IPC, either orally or in writing, that you do not agree with the terms stated in this policy, and that you wish to opt out of all or portions of it;
  • your unrestricted provision of information to IPC, either directly or through licensed agents, insurance brokers, adjusters or financial services representatives;
  • your express written or oral consent as obtained through an application process; or
  • your consent as provided by your authorized representative, such as a legal guardian or power of attorney.

In some circumstances, your consent may be implied. For instance:

  • If you obtain products and/or services for your family or anyone else, you represent that you have obtained consent from them to the collection, use and disclosure of their personal information for the Identified Purposes, even though they might not be present during the application process.
  • If you have existing products and services with us and you request amendments to them, it is assumed that the consent which you gave to us when buying the original products and services remains in effect.


You may withdraw your consent at any time upon reasonable notice, subject to legal or contractual restrictions. Please note, however, that withdrawing your consent may affect our ability to continue to provide you with the products and services that you have or would like to receive.

If you wish to withdraw your consent to this information sharing or discuss the implications of such a withdrawal, please contact our Privacy Officer at the address or telephone number listed below. Unless we hear otherwise from you, you are giving to us your consent for the collection, use and disclosure of personal information as provided in this Policy for the Identified Purposes.



Your personal information is retained only so long as we need it to effectively provide products and services to you, and for a reasonable length of time thereafter in case we need to meet any potential obligations or legal or government requirements. IPC shall use care when storing or destroying your personal information in order to prevent unauthorized access.


Whether in electronic or paper-based format, IPC maintains strict security systems to safeguard your personal information from unauthorized access, disclosure or misuse. As well, when we no longer need your personal information, we take as much care to destroy it as we do when storing it.

IPC may transfer your personal information for the purposes identified in this Notice to our service providers, such as account statement preparation and mailing companies, courier companies, imaging companies, and document storage companies. When IPC transfers personal information to our service providers, we ensure by contractual means that the transferred personal information is used only for the purposes for which the service provider is retained and is protected to the same degree as it is when in our possession. We may use service providers located outside of Canada, and where we do, personal information may be disclosed in accordance with the laws of the jurisdiction in which the service provider is located, including to the government in that jurisdiction and its agencies.


You have a right to access your personal information that we have in our possession or control. You also have a right to know which third parties have received your information from IPC.

In order to access your personal information, please make your request in writing to IPC’s Privacy Officer, stating as specifically as possible which personal information you are requesting. We try to respond to such requests as soon as possible, and will advise you if for some reason we cannot respond right away. IPC may charge you a reasonable fee for providing access to your personal information, but only after first advising you of the approximate cost.

In providing you with a list of the organizations to whom we have disclosed any of your information, we will try to be as precise as possible. When it is not possible to provide an exact list of such organizations to which we have actually disclosed your personal information, IPC shall provide a list of organizations to which we may have disclosed the information.

IPC has the right to refuse your request for access to personal information if:

  • the information is protected by solicitor-client privilege;
  • granting access would reveal confidential commercial information;
  • doing so would reasonably be expected to threaten the life or security of another individual;
  • the information was collected for purposes related to the detection and prevention of fraud;
  • the information was generated in the course of a formal dispute resolution process; or
  • the information would likely reveal personal information about another individual.


IPC strives to ensure that the personal information we have on file for you is as accurate and up-to-date as necessary for the Identified Purposes for which it is to be used. If any information needs to be updated or amended to reflect a change in your situation, we make every effort to update our records. IPC shall amend personal information that is materially inaccurate or incomplete and, where appropriate, shall endeavour to advise other parties having access to the information in question.


Updated versions of this Personal Information Policy are posted on IPC’s website at, or you can direct any queries about the policy to IPC’s Privacy Officer at the telephone, e-mail address, or mailing address listed below.

If you have a complaint related to the Personal Information Policy or any of our procedures, contact our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue, including amending our policy and practices, if necessary.

If we are not able to resolve your concern, or if you have any other concerns about IPC’s Personal Information Policy and procedures, you may contact the Office of the Privacy Commissioner of Canada or, if applicable, the provincial privacy commissioner. IPC’s Privacy Officer will provide you with this contact information upon request.

For more information, to file a complaint, to make enquiries, or to opt out of all or parts of this Policy, please contact IPC’s Privacy Officer:

IPC Privacy Officer
5015 Spectrum Way, Suite 200
Mississauga, Ontario L4W 0E4
Telephone 1-877-212-9799
Fax: (905) 212-9798
Email: [email protected]

The IPC Group of Companies includes IPC Financial Network Inc., Investment Planning Counsel of Canada Limited, IPC Investment Corporation, IPC Securities Corporation, IPC Estate Services Inc., IPC Portfolio Management Ltd., and Counsel Portfolio Services Inc. The IPC Group of Companies is also affiliated with Mackenzie Financial Corporation, Investors Group Inc., Great-West Lifeco Inc. and their respective subsidiary corporations. 

For more information about privacy, you may contact the Office of the Privacy Commissioner of Canada or the Office of your provincial Privacy Commissioner if you are resident in Alberta, British Columbia, Ontario or Quebec as follows: 




IMPORTANT NOTICE: This Policy explains how cookies are used enterprise-wide on Investment Planning Counsel’s website(s). In this Agreement, “we”, “our” and “us” mean, as applicable, any Investment Planning Counsel company, subsidiary or any program or joint venture any of these parties participates in (otherwise referred to as “affiliates”); “you” and “your” means an individual who has visited any Investment Planning Counsel website. This Policy may be amended from time to time. By using this site you agree to the placement of cookies on your computer in accordance with the terms of this Policy. If you do not wish to accept cookies from Investment Planning Counsel’s site(s) please take the required steps to disable cookies.

1. What are cookies?

A "cookie" is a piece of data that a web server creates when you visit a web site. This data is information about how and when you use a site. It is placed on your computer, smartphone, smart TV or tablet (“online device”) in the form of a small text file. There are two main types of cookies:

  • Session cookies: these are temporary cookies that expire when you leave the site. Session cookies allow the website to recognize you as you navigate between pages during a single browser session and allow you to use the website most efficiently. For example, session cookies enable a website to remember that a user has placed items in an online basket.
  • Persistent cookies: in contrast to session cookies, persistent cookies are stored on your online device between browsing sessions until expiry or deletion. They therefore enable the website to "recognize" you on your return, remember your preferences, and tailor services to you.

We use both session cookies and persistent cookies on our website(s).
2. Why we use Cookies?
Many cookies are designed to give you optimal usage of the web. For example, we use cookies to collect information about your activity on our websites to enable us to improve your user experience when using our websites, e.g. a cookie which recognizes if your browser supports specific technology features. This helps, for example, in enabling web pages to be loaded more quickly when you request the download of a large file.  Information is not personally identifiable and does not include your name, address, telephone number or email address.

We use cookies on this website for the following purposes:

  • To collect statistical information: We use cookies to collect statistical information on how you use our websites for statistical and evaluation purposes to help us understand how users use the website and help us improve the structure of our website.
  • Advertising: Investment Planning Counsel may deliver online advertisements tailored to you or that may be of interest to you on third party websites, for remarketing or retargeting purposes, and to improve your customer experience on our sites. For more information on interest-based advertising see Section 4 (Interest-based Advertising) below. 
  • Authenticating your computer: We use cookies to gather information such as IP Address for monitoring and troubleshooting purposes. 
  • Security and verification: To help us maintain security and verify your details whilst you use the website as you navigate from page to page, which enables you to avoid having to re-enter your details each time you enter a new page.
  • Personalized Content: To remember how you have customized your use of this site, such as your preferred language. 

3. Use of Third Parties
We use a third party provider, Google Analytics, to help collect and compile information like the number of visitors to our site, where visitors have come to the site from and the pages they visit. Our third party providers may also use cookies to deliver advertisements that are more relevant to you and your interests and to help measure the effectiveness of an advertising campaign.
Google Analytics may collect your IP address or device identifier on the date you visit a site, but not your name or other identifying information. We do not combine information collected through the use of these third party providers with other personal information we may have about you.

Third party providers have their own cookie and privacy policies. Google’s ability to use and share information collected by Google Analytics is restricted by the Google Analytics Terms of Service and the Google Privacy Policy
4. Interest-based Advertising
Interest-based advertising allows us to deliver advertisements that are more relevant to you and your interests. It works by showing you advertisements that are based on your browsing patterns and the way you have interacted with this and other sites.

As you browse our site(s), some of the cookies placed on your computer will be advertising cookies, so we can understand what sort of pages you are interested in. We can then display advertising on your browser that is based on these perceived interests. These cookies do not contain personal or financial information about you, but may contain a unique identifier required by the retargeting process. If you access one of these ads, we may also track the response rate and the website activity associated with it.

We also work with third party advertising providers who collect and use information about your visits to this and other sites (but not your name, email address, postal address or phone number) to show you advertising that may be of interest to you. This includes the advertising displayed on our sites and the Investment Planning Counsel advertising you may be shown when you are on other third party websites.

5. Opting-Out 
You can opt out of Google Analytics by installing Google’s opt-out browser add-on, and out of interest-based Google ads using Google’s Ads Settings

Even if you opt out, you may still receive Investment Planning advertising. It just means that the advertising you see will not be customized for you.

6. Refusing Cookies
You can limit the collection of your information by disabling cookies on your browser. You may also be able to modify your browser settings to require your permission each time a site attempts to set a cookie. However, our website(s) (and many other websites) rely on cookies to enable certain functionality. If you choose to disable cookies, some of the services available on our website may not work properly.

7. Non-Investment Planning Counsel Websites and Links
Our websites may contain links to non-Investment Planning Counsel websites. We are not responsible for the practices of those third party websites. Where you access other websites from our sites using the links provided, the operators of these websites may use cookies in accordance with their own cookies policy, which may differ from ours. You should read their privacy and cookie policies carefully before you provide any personal information to them.
8. Caution regarding automatic Cookie Functionality 
Browsers such as Microsoft Internet Explorer allow you to store passwords and logon IDs so you do not need to re-enter this information each time you access a web site. Investment Planning Counsel strongly urges you NOT to use this functionality to prevent unauthorized use of any online accounts you may have. 

9. Changes
We may change this Policy from time to time. We will display the changed Policy on our website. We encourage you to visit this area frequently to stay informed.

Updated: April 9, 2019

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