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.

Why We Need Your Information

As a wealth management company, we ask for certain information when you open an account with us. Securities industry regulations demand that we obtain a minimum amount of information about you so that we can provide the proper level of service and supervision to your account.

Industry standards demand that we know your financial information to help us identify investments and services which are suitable for you. We base investment recommendations and services to you on the information you provide us. For example, we may use your age or other personal information to assist in determining asset allocation.

We require your Social Insurance Number in order to comply with certain Canada Revenue Agency’s reporting requirements.

Products and Services

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.

Third Parties

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 regulatory bodies within the investment industry, to government agencies or law enforcement agencies with a legal right to collect such information, or when 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.

Service Providers

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 sign a Privacy Agreement to help ensure that they will protect the privacy and confidentiality of your information, and we remain responsible for the privacy of your personal information while it is being processed on our behalf.

Protection of Information

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.

Your Right to Access Information

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, TD Waterhouse Institutional Services, 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.

Accuracy of Information

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.

Your Right to Withdraw Consent

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.

Online Services

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 make your e-mail address known to anyone outside Hanover. 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.

Contacting Hanover

Corrections, questions or privacy-related complaints may be addressed to the Privacy Officer, Hanover Private Client Corporation, 806-35 Chruch Street, Toronto, ON M5E 1T3.

Legal Disclaimer & Terms of Use

The following provisions govern the use of this web site. If you do not agree with these provisions, please do not continue use of this site.

Legal Registration:

Hanover Private Client Corporation maintains licensing as a Portfolio Manager in the jurisdictions of Ontario, Quebec and British Columbia and as a Life Insurance Agency in Ontario.

Web Site Content:

This web site and its content are provided for informational purposes only and is 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 accept 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 web site or advise on further developments concerning topics mentioned.

This web site 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 and 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 web site. Browsers are free to download information for personal use only, provided that they do not alter the information. None of the information on this web site may be reproduced, distributed or published by any one for any purpose, without our written consent.