This informs you of Hanover’s policies on privacy and the steps we take to ensure the protection of your privacy and the confidentiality of your personal information.
Collecting Information
When collecting personal information from you, we will explain what information we collect and how we intend to use it.
Disclosing Information
We will only disclose your personal information to other parties where we have your consent, or we are required or permitted to do so by law.
Protecting Information
We will take appropriate steps to protect your information. We will retain your information for as long as it is necessary to service your account or as required by law or by industry regulations.
Providing Access
Upon your request, we will provide you with access to your personal information as required by law. We will take reasonable steps to ensure that your personal information is accurate and up-to-date.
Addressing Your Concerns
We will address and respond to any concern you may have about our handling of your information.
As a registered portfolio management firm and licensed life insurance agency, we are required to obtain certain information when you become a client. Securities and insurance laws and regulations require us to obtain information about you so that we can provide our services and meet our regulatory obligations.
Securities and insurance laws and regulations require us to understand your financial circumstances and other relevant information in order to assess the suitability of investments, insurance products and services provided to you. We base our recommendations and services on the information you provide to us.
We require your Social Insurance Number in order to comply with certain Canada Revenue Agency reporting requirements.
We will use your information to help us serve you better by identifying opportunities and services which may be of use to you. Using this information within Hanover will help ensure that the information we have on file for you is complete and up-to-date.
With your consent, we may obtain personal information about you from third parties. This information helps us to assess your eligibility for certain products and services such as a margin account.
We may also, with your consent, disclose your personal information to third parties for purposes that we disclose to you at the time we seek your consent. We are also obliged by law to provide your information to applicable regulatory authorities, government agencies or law enforcement agencies with a legal right to collect such information, or where we are in receipt of a valid court order or search warrant. As well, we may disclose your personal information as a result of a future transfer or sale of all or part of our business.
We may transfer your personal information to third parties for processing on our behalf. For example, service providers that we hire to process your trades and send monthly statements to you will have access to certain account information, including your name and address, in order to perform their required functions. As another example, we may transfer certain information to third-party specialists (i.e. tax specialists) to assist us in providing planning recommendations to you. We require our third-party service providers to maintain appropriate safeguards for personal information and to protect its privacy and confidentiality in accordance with applicable contractual and legal requirements.
We have appropriate security measures in place to protect your personal information against unauthorized access, use, alteration or destruction. We also provide training to our employees so that they will understand the need for confidentiality when dealing with your information. We retain your information only as long as we need it to service your account, or as long as industry regulations demand. When we no longer need your information, we will delete electronic records and destroy physical records.
Most of your information is in the form of account documentation and transaction records. You will receive copies of transactions and monthly custodial statements directly from our custodian, Aviso Financial Inc., as well as quarterly portfolio management statements of your account directly from Hanover. If you require further details about your information, you may contact us at any time. We will assess your request for access to your personal information to ensure that it does not contain references to other persons or violate any legal privilege.
Having accurate personal information about you will enable us to give you the best possible service. We expect that you will provide us with updated information when you move or change telephone numbers, or when there are any other material changes in your information. If you detect any errors in the information you have provided to us (such as the information appearing on your copy of your application form), please let us know immediately.
When you sign the documentation required to open your account, you will see that within that documentation is our Privacy Agreement. By opening an account with us, you are providing your consent for us to collect, use and disclose your personal information in the ways and for the purposes stated in the Privacy Agreement. If at any time you wish to withdraw this consent, please advise us. However, please note that withdrawing consent may mean that we will be unable to provide certain services to you. We will explain any consequences of withdrawing consent, should you choose to do so.
When you send us an e-mail, we learn your exact e-mail address as well as any other information you may have included in the e-mail. While we may use your e-mail address to reply to you, we do not disclose your e-mail address to third parties except as necessary to provide our services, through service providers acting on our behalf, with your consent, or as required or permitted by law. We may also send certain required information to you via e-mail if you have requested that we do so. At any time, you can tell us to stop sending information to you by e-mail. Please keep in mind that information sent via e-mail is generally unencrypted. Please do not send us sensitive or confidential information via e-mail.
To enhance the quality and efficiency of our services, our office may use Artificial Intelligence (AI) tools to support administrative tasks, analyze financial data, and assist in preparing personalized recommendations. These tools are used under strict privacy and security protocols and are never a substitute for professional judgment.
AI may assist with:
• Organizing and summarizing client information, meeting notes, and documents
• Analyzing financial information to Identify patterns, planning insights, and potential financial strategies based on your profile
• Drafting documents or communications for advisor review
What This Means For You
Your personal information is only used with AI tools that meet our privacy and security standards. Any AI-assisted output used in providing advice or recommendations to you is reviewed by a licensed advisor. AI supports our professional judgement – it does not replace it.
We are committed to transparent and responsible use of technology. You may ask us at any time how AI is being used in relation to your file. If you have concerns or prefer that AI tools not be used in relation to your file, please let us know.
Corrections, questions or privacy-related complaints may be addressed to the Privacy Officer, Hanover Private Client Corporation, 130 Adelaide Street West, Suite 3401, Box 106 Toronto, ON M5H 3P5.
Legal Registration
Hanover Private Client Corporation maintains registration as a Portfolio Manager in the jurisdictions of Ontario, Quebec and British Columbia and is licensed as a Life Insurance Agency in Ontario.
Website Content
This website and its content are provided for informational purposes only and are not intended to be legal, accounting, investment or tax advice and should not be relied upon in that regard.
Every effort has been made to ensure that the material contained herein is accurate at the time of publication. However, Hanover Private Client Corporation cannot guarantee its accuracy or completeness and accepts no responsibility for any loss arising from any use of or reliance on the information contained herein. Hanover Private Client Corporation assumes no obligation to update the information contained on this website or advise on further developments concerning topics mentioned.
This website is administered by Hanover Private Client Corporation from its offices in Canada. The site will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with this site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario.
Links on the Site
Links to other websites are inserted for convenience only and do not constitute endorsement of material on those sites, or any associated organization, product or service. Hanover Private Client Corporation gives no warranty in relation to the accuracy, currency or completeness of material contained in other linked websites. Such material does not necessarily reflect the views of Hanover Private Client Corporation.
Electronic Communications
Hanover Private Client Corporation cannot guarantee the confidentiality of any information transmitted over the internet. Accordingly, email transmissions should not contain confidential information. Hanover Private Client Corporation will not be liable for errors, omissions or alterations made or caused by email communications.
Reserved Rights
Hanover Private Client Corporation owns and reserves copyright in this website. Browsers are free to download information for personal use only, provided that they do not alter the information. None of the information on this website may be reproduced, distributed or published by anyone for any purpose, without our written consent.
Hanover Private Client Corporation (“Hanover”) uses SMS text messaging for non‑marketing, administrative communications in connection with existing client and professional relationships.
These SMS/Text Messaging Terms govern the use of SMS messaging between Hanover and recipients who have agreed to communicate with Hanover by text message. By opting in to or using Hanover’s SMS messaging service, you agree to these terms, which form part of Hanover’s Privacy Policy.
Hanover uses SMS messaging solely to facilitate, complete, or confirm activities related to its professional services, including:
• Meeting confirmations and reminders
• Administrative follow ups
• Confirmation of document receipt
• Time sensitive service notifications
• Advisor to client or professional coordination
SMS messages are not used for marketing or promotional purposes and do not encourage participation in commercial activity.
SMS messages are sent only to individuals who have agreed to communicate with Hanover by text message. Consent to receive SMS messages is optional and is not a condition of receiving Hanover’s services. Consent may be provided in writing, verbally, electronically, or by initiating an SMS conversation with Hanover. By agreeing to receive SMS messages, you also consent to Hanover maintaining an electronic record of your consent.
Message frequency varies. The number of messages you receive will depend on the nature of your relationship with Hanover and the administrative or service-related communications involved.
SMS messages are one to one, plain text communications and are not used to transmit:
• Investment recommendations
• Account balances
• Sensitive personal or financial information
SMS is used for coordination and administrative purposes only.
Message and data rates may apply.
Messages are sent by or on behalf of: Hanover Private Client Corporation, a Canadian portfolio management firm and licensed life insurance agency.
In connection with SMS messaging, Hanover may collect and use:
• A recipient’s mobile telephone number
• Basic message content required to facilitate, complete, or confirm an administrative or service related activity
Personal information collected through SMS messaging is used solely for legitimate business and client service purposes and is handled in accordance with Hanover’s internal policies and applicable law.
Hanover does not sell or share mobile information, including SMS opt-in data and consent, with third parties or affiliates for marketing or promotional purposes. Information may be provided to service providers, telecommunications carriers and platform providers solely as necessary to deliver, maintain or support the SMS service, or where disclosure is required or permitted by law.
SMS messages are retained in accordance with Hanover’s regulatory, supervisory, and record keeping obligations.
For assistance, reply HELP to an SMS message from Hanover or contact Hanover Private Client Corporation at 416-594-3222, email info@hanoverprivate.com, or visit our Contact page.
Recipients may opt out at any time by replying STOP, QUIT, END, REVOKE, OPT OUT, CANCEL or UNSUBSCRIBE. After opting out, the recipient may receive a final SMS confirming that no further messages will be sent. To resume SMS communications, the recipient may reply START.
SMS messaging is provided as a convenience and should not be used for urgent matters or detailed discussions. For substantive matters, recipients are encouraged to contact Hanover directly.