Goldhar & Associates Ltd. (“Goldhar”) and its affiliates (collectively, “us”, “we”, or “our”) are committed to protecting your privacy. This Privacy Policy (“Policy”) explains how we collect, use, disclose and protect the Personal Information of our customers and users.
It applies to all Personal Information collected:
- on websites and mobile applications that link to this Policy (the “Goldhar Sites”);
- via social media engagement;
- during purchases or service engagements;
- and through any other interaction (email, phone, etc.)
By using the Services, you agree to the collection, use, and disclosure of your Personal Information in accordance with this Policy.
🔍 Definitions
- Cookies: Small files placed on your device to enhance browsing experience.
- Personal Information: Any information about an identifiable individual.
- User: Any individual using our Services.
- You: Anyone accessing or using the Services.
📥 Collection of Personal Information
We collect:
Information You Provide Directly
- Contact forms (name, email, phone, debt amount, region)
- Debt-related service details
Information from Your Communications
- Emails, forms, calls: name, contact info, inquiry details
Automatically Collected Information
- Technical Data: Device/browser type, IP, location
- Usage Patterns: Page visits, time spent, referrals
- Preferences: Saved via cookies
Third-Party & Public Sources
- Social networks
- Marketing/data partners
🍪 Use of Cookies & Tracking
We use cookies to:
- Operate our Services
- Personalize your experience
- Analyze usage
- Deliver interest-based ads
You can manage or disable cookies in your browser settings.
📱 Mobile Devices
Ad personalization can be controlled in your device settings (e.g., iOS, Android). Cross-app tracking may also apply.
💼 Use of Your Information
We use your data to:
- Deliver and personalize our Services
- Complete transactions
- Provide customer support
- Improve offerings
- Prevent fraud and abuse
- Comply with legal obligations
🔗 Sharing Your Information
We may share your Personal Information:
- With third-party service providers (e.g., payment processors)
- With partners (e.g., affiliates, ad networks)
- When legally required (e.g., law enforcement)
- During corporate transactions (e.g., merger)
- With your explicit consent
🔒 Data Security
We implement physical, technical, and organizational measures to safeguard your data. However, no system is fully secure—your caution is also essential.
🗂️ Retention
We retain Personal Information:
- As long as your account is active
- To fulfill legal obligations
- For business analysis and service improvement
🙋 Your Rights
You may:
- Request access to your Personal Information
- Request corrections or updates
- Withdraw consent where applicable
🌍 International Data Transfers
Your data may be stored or processed outside Canada by service providers. We ensure contractual protections are in place where required.
💳 Payments
All payments are processed securely by PCI-DSS-compliant third-party services. We do not store card information.
🌐 Third-Party Sites & Do Not Track
- Linked websites are not under our control.
- We do not respond to Do Not Track (DNT) browser settings.
🔁 Policy Changes
This Policy may change. Updates will be posted on this page with the “Effective Date” updated. Continued use of our Services implies acceptance.
📞 Contact Us
Privacy Officer
Goldhar & Associates Ltd.
1220 Eglinton Avenue West
Toronto, Ontario
M6C 2E3