Privacy Policy
Credit Cure Counselling Corp.
Effective Date: November 9, 2026
Last Updated: November 9, 2026
1. Introduction and Our Commitment to Privacy
At Credit Cure, we understand that your credit history, financial circumstances, and personal information are sensitive. Protecting that information is an important part of earning and maintaining your trust.
Credit Cure Counselling Corp., operating as Credit Cure ("Credit Cure," "we," "us," or "our"), is a Canadian credit coaching company based in Vancouver, British Columbia, providing services to individuals across Canada.
Our goal is to help Canadians better understand their credit, make informed financial decisions, and work toward their financial goals through personalized coaching, education, and guidance.
This Privacy Policy explains how we collect, use, disclose, store, protect, and retain personal information when you:
Visit our website at https://creditcure.ca.
Register for launch notifications or marketing communications.
Contact us or request information about our services.
Book appointments or participate in coaching consultations.
Enrol in or receive credit coaching services.
Communicate with us by email, telephone, SMS, video conference, or through our client portal.
We are committed to handling personal information in accordance with applicable Canadian privacy legislation, including British Columbia's Personal Information Protection Act (PIPA), the Personal Information Protection and Electronic Documents Act (PIPEDA) where applicable, and other applicable provincial privacy laws.
2. Personal Information We Collect
We collect personal information that is reasonably necessary to operate our business, respond to inquiries, and provide our services.
The information collected depends on your relationship with Credit Cure.
2.1 Website Visitors and Launch List Subscribers
When you visit our website, join our launch list, or subscribe to communications, we may collect:
First and last name.
Email address.
Telephone number, where provided.
Information submitted through registration or contact forms.
Communication preferences.
Marketing consent records, including the date and method of consent.
Website usage and technical information.
During our pre-launch period, joining our launch list does not require you to submit sensitive financial records, identification documents, or credit reports.
Please do not send sensitive financial or identification documents through general website contact forms or launch registration forms.
2.2 Credit Coaching Clients
When you apply for or receive credit coaching services, we may collect additional personal and financial information, including:
Identity and Contact Information
Full legal name.
Date of birth.
Residential and mailing addresses.
Telephone number and email address.
Government-issued identification documents, such as a driver's licence or passport, where reasonably necessary for identification or verification.
Other information reasonably necessary to confirm identity.
Employment and Income Information
Employment status and employment history.
Employer and occupation details.
Income sources and amounts.
Self-employment or business income information.
Supporting financial documents where necessary.
Credit and Debt Information
Credit reports and credit scores.
Credit accounts and payment histories.
Outstanding loans, credit card balances, and other debts.
Payment obligations and repayment arrangements.
Collections, insolvency-related information, or other credit history details where relevant to the services requested.
Financial Information and Documents
Bank statements.
Financial obligations and household expenses.
Information about assets and liabilities where relevant.
Other financial records reasonably necessary to understand your circumstances.
Coaching Information
Financial goals and credit-related objectives.
Information you voluntarily share during consultations.
Coaching plans and recommendations.
Notes from appointments and coaching sessions.
Records of progress, follow-up activities, and ongoing communications.
We will explain the purposes for which sensitive information is collected and seek appropriate consent before collecting or using it.
We do not require more personal information than is reasonably necessary for the purposes of the requested services.
3. Credit Reports and Credit Bureau Authorization
Credit Cure may obtain credit reports and credit-related information directly from Equifax Canada, TransUnion Canada, or other authorized credit reporting agencies.
We will obtain the specific client authorization required by applicable law and the relevant credit reporting agency before requesting a credit report.
This authorization will be separate from general website registration or marketing consent.
Before requesting a credit report, we will explain the intended purpose of the request and the nature of the information being accessed.
Credit reports may be used to:
Better understand a client's credit history.
Identify information relevant to the client's credit coaching objectives.
Assist in explaining credit-related factors and potential areas of concern.
Support the development and review of an individualized coaching plan.
We will request credit information only for authorized, lawful purposes consistent with the services being provided.
Credit Cure does not guarantee that obtaining a credit report or participating in credit coaching will result in an improved credit score, credit approval, or any particular financial outcome.
4. How We Use Personal Information
We use personal information for the purposes identified at or before collection, or as otherwise permitted or required by law.
These purposes may include:
Website and General Inquiries
Operating and maintaining our website.
Responding to questions and requests.
Managing registrations and appointment bookings.
Communicating with prospective clients.
Providing requested information about Credit Cure.
Credit Coaching Services
Verifying identity where necessary.
Understanding a client's credit and financial circumstances.
Reviewing credit reports and related documents.
Providing personalized credit education and coaching.
Developing and reviewing coaching plans.
Tracking progress and maintaining client records.
Communicating about appointments, services, and follow-up activities.
Business Administration
Managing client relationships.
Processing payments and maintaining transaction records.
Maintaining accurate operational and accounting records.
Improving our services and customer experience.
Detecting, investigating, and preventing unauthorized activity or fraud.
Meeting applicable legal, regulatory, and contractual obligations.
Marketing and Communications
Where we have the appropriate consent or another lawful basis, we may use contact information to provide:
Company launch announcements.
Credit coaching updates.
Credit-related educational content.
Information about available services.
Promotional offers and marketing communications.
We will not use personal information for materially different purposes without providing appropriate notice and obtaining additional consent where required.
5. Consent and Your Choices
Credit Cure respects your right to make informed decisions about how your personal information is handled.
We obtain consent for the collection, use, and disclosure of personal information where required by applicable law.
Consent may be obtained electronically, in writing, or verbally, depending on the circumstances and the sensitivity of the information.
For sensitive financial information, credit bureau access, and coaching session recordings, we will obtain the appropriate express or specific authorization before proceeding.
We distinguish between:
Consent to receive marketing communications.
Consent to collect and use information necessary to provide coaching services.
Authorization to obtain credit reports.
Consent to record coaching sessions.
Authorization to disclose information to outside financial service providers.
Agreeing to receive marketing communications does not automatically authorize Credit Cure to obtain credit reports or collect sensitive financial documents.
You may withdraw consent where permitted by law, subject to legal or contractual restrictions and reasonable notice.
Withdrawal of consent necessary to deliver a service may limit or prevent our ability to continue providing that service.
To withdraw consent or update your preferences, contact [email protected].
6. Email, SMS, and Marketing Communications
Credit Cure may communicate with prospective and existing clients through email and SMS text messaging.
Where required, we obtain appropriate consent before sending commercial electronic messages.
Communications may include:
Launch announcements and company updates.
Credit education and financial awareness.
Information about credit coaching.
Appointment invitations and service information.
Promotional offers and other marketing content.
Marketing communications are separate from essential messages relating to requested appointments, ongoing services, payments, or other client matters.
We comply with Canada's Anti-Spam Legislation (CASL) and applicable electronic communications requirements.
Commercial electronic messages will contain required sender identification and an appropriate unsubscribe mechanism.
You may unsubscribe from marketing emails using the link included in our messages.
Where SMS marketing is used, you may opt out through the instructions provided, including replying STOP where supported.
We process unsubscribe requests within the period required by law and maintain records necessary to honour your communication preferences.
Withdrawing consent for marketing will not necessarily prevent necessary service-related communications where those communications are permitted by law.
7. Coaching Appointments and Communications
Credit Cure may provide coaching services through:
Online video meetings.
Telephone consultations.
In-person appointments.
Email.
SMS text messaging.
Online client portals and coaching platforms.
We may maintain records of communications and appointments to provide consistent service and support follow-up activities.
These records may include appointment dates, correspondence, coaching notes, client instructions, and agreed next steps.
Because ordinary email and SMS may not provide the same protections as secure document systems, we may direct clients to a designated secure platform when requesting sensitive financial documents.
Clients should avoid transmitting identification documents, credit reports, or sensitive account information through unsecured communications unless Credit Cure has specifically provided an appropriate method for doing so.
8. Recording of Coaching Sessions
Credit Cure may offer to record certain telephone or video coaching sessions for client recordkeeping and coaching follow-up purposes.
Recordings will not be made for these purposes without obtaining the appropriate consent.
Where recordings are proposed, we will explain:
That the session may be recorded.
Why the recording is being made.
How the recording may be used.
Who may have access to it.
How the recording will be stored and retained.
Recordings may assist with maintaining accurate coaching records, reviewing agreed action plans, and supporting continuity of service.
We do not use coaching recordings for unrelated purposes without additional authorization or another lawful basis.
Clients may raise questions or concerns about recording before a session begins.
Where recording is declined, Credit Cure may maintain written coaching notes instead, where appropriate.
Session recordings are treated as confidential client information and are subject to applicable privacy, security, and retention requirements.
9. Disclosure of Personal Information
Credit Cure does not sell personal information.
We disclose personal information only where reasonably necessary for authorized purposes, with appropriate consent, or where otherwise permitted or required by law.
9.1 Financial Service Providers and Professional Referrals
Credit Cure may refer clients to outside financial service providers or professionals, including:
Mortgage brokers.
Banks and lenders.
Debt counselling professionals.
Licensed Insolvency Trustees.
Other relevant financial service professionals.
A referral does not automatically authorize disclosure of a client's personal or financial information.
Credit Cure will obtain the client's express authorization before sharing personal information with an outside financial service provider for a referral.
Where information sharing is authorized, we will limit disclosure to information relevant to the stated purpose.
Clients may decline a referral or associated information sharing without being required to consent to unrelated disclosures.
9.2 Operational Technology and Service Providers
We use third-party technology and service providers to support our operations.
These providers may have access to personal information where necessary to deliver services on our behalf.
Examples include:
Website hosting and technical support providers.
Customer relationship management platforms.
Email and SMS delivery providers.
Appointment scheduling systems.
Video conferencing services.
Secure document storage providers.
Payment processors.
Analytics and advertising technology providers.
Other authorized business service providers.
We take reasonable steps to select and manage service providers and require appropriate protection of personal information handled on our behalf.
9.3 Legal and Regulatory Disclosures
We may disclose personal information when required or permitted by law, including in response to valid legal processes, regulatory obligations, or other legally authorized requests.
10. Technology Platforms and Information Storage
Credit Cure uses GoHighLevel as a primary technology platform for:
Website management.
Customer relationship management.
Online forms.
Email and SMS communications.
Appointment scheduling.
Client management and related workflows.
Sensitive client financial documents may be stored in GoHighLevel and in a separate secure document management platform.
We use appropriate administrative, technical, and organizational measures to protect personal information within these systems.
Access to sensitive information is limited according to legitimate business requirements and assigned permissions.
We remain responsible for personal information under our control when third-party providers process or store it on our behalf.
Processing and Storage Outside Canada
Some third-party service providers may process, access, or store personal information outside Canada.
Information processed in another jurisdiction may be subject to the laws of that jurisdiction, including lawful disclosure requests from government authorities.
Credit Cure takes reasonable steps to assess cross-border processing arrangements and implement appropriate safeguards.
For questions about where personal information may be processed or stored, contact our Privacy Officer at [email protected].
11. Website Cookies, Analytics, and Advertising Technologies
Our website uses or may use cookies, tracking pixels, tags, and similar technologies to operate our website, understand visitor activity, measure advertising performance, and improve our services.
These technologies may include:
GoHighLevel website and funnel tracking.
Google Analytics 4 (GA4).
Google Tag Manager.
Meta Pixel for Facebook and Instagram advertising.
Google Ads conversion tracking.
Other analytics or advertising technologies introduced as our services develop.
Depending on the technology and configuration, information collected may include:
IP address.
Browser and device information.
Pages visited.
Website interactions and referral sources.
Advertising campaign identifiers.
Approximate location derived from technical information.
Cookie identifiers and similar online identifiers.
Conversion activity, such as completing a form or requesting an appointment.
We may use this information to understand website performance, improve our communications, and measure the effectiveness of advertising campaigns.
Some providers may use information collected through their technologies in accordance with their own privacy policies and applicable settings.
Where consent is required for non-essential tracking or advertising technologies, we will obtain it before enabling those technologies.
Visitors may also be able to manage cookies through their browser settings or other privacy controls made available on our website.
Credit Cure does not intentionally provide sensitive credit reports, financial statements, government identification documents, or coaching notes to advertising platforms for targeted advertising.
12. Payment Processing
Credit Cure uses GoHighLevel Payments to facilitate payments for credit coaching services.
Payment processing may involve an underlying payment service provider.
Depending on the transaction, payment-related information may include:
Billing name and contact details.
Billing address.
Payment amount and transaction details.
Payment method information.
Payment status and related billing records.
Payment information is processed as necessary to complete transactions, administer payments, address billing inquiries, and comply with legal obligations.
Payment card information may be handled by the applicable payment processor in accordance with its security and privacy requirements.
Credit Cure limits its collection and retention of payment information to what is reasonably necessary for authorized business purposes.
13. Protecting Your Personal Information
Credit Cure recognizes the sensitive nature of credit reports, financial documents, identification records, and coaching information.
We maintain reasonable security safeguards appropriate to the sensitivity of the information and the risks involved.
These safeguards may include:
Role-based access permissions.
Secure authentication and account access controls.
Encryption and secure transmission where supported and appropriate.
Restricted access to sensitive financial records.
Appropriate document storage and handling procedures.
Administrative policies and personnel confidentiality requirements.
Monitoring and review of system access and operational risks.
Procedures for responding to suspected privacy or security incidents.
We periodically review our practices and make adjustments where appropriate.
While we take reasonable steps to protect personal information, no system, electronic transmission, or storage method can be guaranteed completely secure.
If a privacy or security incident occurs, we will investigate, take appropriate corrective action, and provide any notifications or reports required by applicable law.
14. Retention and Disposal of Personal Information
Credit Cure maintains records for legitimate business, legal, regulatory, and operational purposes.
Client Coaching Records
Credit Cure's standard retention period for client coaching records is seven (7) years after the coaching relationship ends, subject to applicable legal requirements and the continued necessity of retaining the information.
These records may include:
Client identification and contact information.
Credit reports and credit-related records.
Financial documents.
Coaching notes and plans.
Correspondence and service records.
Authorized coaching session recordings.
Related client documentation.
Where applicable law requires a longer retention period, the required period will apply.
Where applicable privacy law requires information to be deleted or anonymized earlier because retention is no longer justified, we will comply with that requirement.
Marketing and Website Information
Launch list and marketing subscription information may be retained while a person remains subscribed and for an appropriate period afterward where necessary for compliance or legitimate business purposes.
Consent and unsubscribe records may be retained as necessary to demonstrate compliance with legal requirements.
Technical records and website analytics information are retained according to legitimate operational needs, applicable provider settings, and legal requirements.
Secure Disposal
When personal information is no longer required, we take appropriate steps to securely delete, destroy, or anonymize it.
Deletion from active systems may not immediately remove information from all backups, which may be subject to separate secure retention and deletion procedures.
15. Access, Correction, and Individual Privacy Rights
Subject to applicable Canadian privacy legislation, individuals may have the right to:
Request access to personal information held about them.
Obtain information about how their information has been used or disclosed.
Request correction of inaccurate or incomplete information.
Withdraw consent where permitted.
Request deletion or other action regarding information in circumstances where applicable law provides that right.
Raise questions or complaints about privacy practices.
Exercise additional rights available under applicable provincial privacy legislation.
Some requests may be subject to lawful exceptions, required identity verification, or applicable retention obligations.
To protect personal information, we may require reasonable verification of identity before processing a request.
We will respond within the timeframes required by applicable law.
Requests may be submitted to:
16. Client Responsibility and Information Accuracy
Clients are encouraged to provide accurate and current information when using Credit Cure services.
Accurate information helps us better understand a client's circumstances and provide appropriate coaching guidance.
Clients may request corrections to information maintained in their records.
If you believe information we hold is inaccurate, please contact us so we can review the matter.
Information contained in credit bureau records may also need to be corrected directly through the relevant credit reporting agency using its established dispute procedures.
17. Age of Majority and Eligibility
Credit Cure provides coaching services to individuals who have reached the applicable age of majority in their Canadian province or territory of residence.
The age of majority varies by jurisdiction and is generally 18 or 19 years of age.
We do not knowingly enrol individuals below the applicable age of majority in our coaching services.
If we discover that personal information has been collected from an ineligible individual without an appropriate lawful basis, we will take reasonable steps to address the situation.
18. Third-Party Websites and External Links
Our website may contain links to third-party websites and resources, including financial institutions, credit reporting agencies, government resources, and external service providers.
These websites operate independently and may have different privacy policies and practices.
Credit Cure is not responsible for the privacy practices of websites that we do not operate or control.
We encourage visitors to review the privacy policies of external websites before submitting personal information.
19. Privacy Complaints and Concerns
If you have concerns about how Credit Cure collects, uses, discloses, stores, or protects personal information, we encourage you to contact our Privacy Officer.
We will review privacy complaints, investigate where appropriate, and take reasonable steps to address identified concerns.
If you are dissatisfied with our response, you may contact the applicable federal or provincial privacy regulator.
Depending on the circumstances and applicable law, this may include the Office of the Information and Privacy Commissioner for British Columbia or the Office of the Privacy Commissioner of Canada.
20. Changes to This Privacy Policy
Credit Cure may update this Privacy Policy to reflect changes in:
Our services and business operations.
Technology platforms and service providers.
Information collection and processing practices.
Legal and regulatory requirements.
Security and privacy procedures.
The current version will be posted at https://creditcure.ca/privacy-policy.
We will update the "Last Updated" date when changes are made.
Where changes are material, we will provide additional notice or obtain additional consent where required by applicable law.
21. Contact Information — Privacy Officer
For questions, privacy requests, or concerns about this policy, contact:
Credit Cure Counselling Corp.
Attention: Privacy Officer
Address: Unit 304, 318 Homer Street
Vancouver, British Columbia V6B 2V2
Canada
Email: [email protected]
Website: https://creditcure.ca
Our Commitment
At Credit Cure, we believe trust is earned through transparency, respect, and responsible handling of personal information.
Our commitment to protecting your privacy is an important part of the credit coaching experience we strive to provide.
Your credit is personal. Your privacy matters.
Credit Cure
Better Credit. Brighter Possibilities.
© 2026 Credit Cure Counselling Corp. All rights reserved.