Privacy Policy

GS Financial Group Inc. ("GSFG," "we," "our," or "us") respects the privacy of our clients, prospective clients, website visitors, and business contacts.

We recognize that our services may involve confidential personal, financial, tax, insurance, mortgage, and business information.

We are committed to handling personal information responsibly and in accordance with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), where applicable.

This Privacy Policy explains how we collect, use, disclose, protect, and retain personal information.

Depending on the services requested, we may collect:

We seek to limit collection to information reasonably necessary for the identified purposes.

We may use personal information to:

• Respond to inquiries and consultation requests.
• Evaluate client needs and provide requested services.
• Prepare tax returns, bookkeeping, and related filings.
• Assist with business registrations and corporate administration.
• Support authorized mortgage and insurance services.
• Provide financial and insolvency counselling within applicable professional authorizations.
• Verify identities and meet legal and regulatory requirements.
• Maintain records and administer business relationships.
• Send appointment confirmations and service communications.
• Improve website functionality and customer service.
• Send promotional communications where permitted by law and with any required consent.

We do not use personal information for unrelated purposes without appropriate consent or another lawful basis.

By voluntarily submitting information through our website or communicating with GSFG, you acknowledge that the information may be used to respond to your request and for purposes explained at the time of collection.

Where required, GSFG obtains consent for the collection, use, and disclosure of personal information.

Additional or express consent may be required for sensitive information, credit inquiries, insurance applications, mortgage applications, tax authorizations, and other regulated services.

Consent may be withdrawn where permitted by law, subject to legal, contractual, and regulatory restrictions.

We may disclose personal information when reasonably necessary to provide authorized services or when required or permitted by law.

Recipients may include:

• Canada Revenue Agency and other government authorities.
• Authorized mortgage brokerages, lenders, insurers, and financial institutions.
• Licensed Insolvency Trustees and other authorized insolvency professionals.
• Professional advisers involved in authorized engagements.
• Technology, website hosting, email, scheduling, document management, and operational service providers.
• Regulators, courts, and government authorities where legally required.

We do not disclose confidential client information to unrelated parties for their independent marketing purposes without appropriate authorization.

Our Contact Us and Book a Consultation forms collect information needed to respond to inquiries and arrange consultations.

These forms are intended for initial inquiries and should not be used to submit highly sensitive documents unless GSFG provides an appropriate secure submission method.

Please do not include Social Insurance Numbers, banking passwords, complete credit card information, detailed tax records, or identification documents in ordinary website messages.

Email, WhatsApp, and other electronic communications may involve privacy and security risks. Where appropriate, GSFG may provide a more secure method for exchanging confidential information.

Our website may use cookies or similar technologies for website operation, preferences, performance measurement, and user experience.

The website may include third-party services such as Google Maps, Google Reviews, scheduling services, and other external content.

Third-party providers may process information under their own privacy policies.

Visitors are encouraged to review those policies when using external services.

Any analytics, advertising, or tracking technologies must be disclosed and managed in accordance with applicable legal requirements.

GSFG recognizes the importance of protecting confidential financial and personal information.

We aim to apply administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including reasonable access restrictions, confidentiality procedures, and appropriate record-storage and transmission methods.

No electronic communication or storage system is completely free from risk.

If a privacy or security incident occurs, GSFG will assess the incident and take measures required by applicable law, including notification and reporting where necessary.

We retain personal information only for as long as reasonably necessary to provide services, maintain records, meet legal and regulatory requirements, resolve disputes, and support legitimate business purposes.

Retention periods vary according to the type of service and applicable obligations imposed by tax authorities, financial regulators, insurers, mortgage brokerages, and insolvency legislation.

When information is no longer required, it will be securely disposed of, destroyed, or anonymized, as appropriate.

Individuals may request access to their personal information held by GSFG and may request correction of inaccurate or incomplete information, subject to applicable legal exceptions.

Individuals may also ask questions about how their personal information is collected, used, disclosed, protected, or retained.

We may require identity verification before releasing confidential information.

Some service providers may process or store information outside Ontario or Canada.

Where information is processed in another jurisdiction, it may be subject to the laws of that jurisdiction.

GSFG will seek to use appropriate contractual, organizational, and security safeguards when engaging service providers that handle personal information on its behalf.

GSFG may send service updates, newsletters, or promotional communications in accordance with Canada's Anti-Spam Legislation (CASL) and other applicable laws.

Where required, we obtain appropriate consent and provide an unsubscribe mechanism for commercial electronic messages.

Service-related communications are distinguished from promotional communications.

Our website and professional services are generally intended for adults and authorized business representatives.

Where information relating to minors is required for an authorized service, appropriate parental, guardian, or legal authorization will be obtained as required.

GSFG may revise this Privacy Policy to reflect changes in business practices, services, technology, or legal obligations.

Updates will be published on this page with a revised effective date.

For questions about this Privacy Policy, requests for access or correction, or privacy complaints, please contact:

If a privacy concern cannot be resolved directly with GSFG, individuals may contact the Office of the Privacy Commissioner of Canada or another applicable privacy authority.

This Privacy Policy applies to GSFG's website and its handling of personal information in connection with its services. Additional engagement agreements, consent forms, regulatory disclosures, and service-specific privacy requirements may apply.