Privacy Policy

Effective Date: September 23, 2026

ConsultBM Advisory Inc. (“ConsultBM,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide to us.

We provide clear, practical financial guidance for individuals, families, and small businesses across Canada, helping clients understand their numbers, stay organized, and plan with confidence.

This Privacy Policy explains how we collect, use, protect, and disclose personal information when you visit our website, contact us, request our services, or otherwise interact with ConsultBM.

By using our website or providing personal information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you interact with ConsultBM, we may collect information such as:

Information you provide directly

This may include:

• Your name
• Email address
• Telephone number
• Mailing or business address
• Information submitted through contact, consultation, quote, or service-request forms
• Information about your financial or business needs
• Information required to provide bookkeeping, tax filing, financial advisory, or related services
• Documents or financial information you voluntarily provide to us
• Any other information you choose to provide when communicating with us

Financial and tax information can be sensitive personal information. We collect such information only when reasonably necessary for the services or purposes identified at the time of collection.

Information collected automatically

When you visit our website, certain technical information may be collected automatically, depending on the website technologies and services we use. This may include:

• IP address
• Browser and device information
• Operating system
• Pages visited
• Referring website
• Date and time of visits
• General website usage information

This information may be used to maintain website security, understand website usage, improve our website, and provide a better user experience.

2. How We Use Your Information

ConsultBM may collect and use personal information for purposes including:

• Responding to enquiries and requests
• Booking and managing consultations
• Providing bookkeeping, tax filing, financial advisory, and educational services
• Preparing or processing information required for requested services
• Communicating with clients about services, appointments, requests, or accounts
• Providing information or resources you have requested
• Improving our website, services, and client experience
• Maintaining business records
• Protecting our website, systems, clients, and business from fraud, unauthorized access, or other security risks
• Meeting legal, regulatory, accounting, tax, or professional obligations
• Other purposes that are identified to you at the time your information is collected or that are otherwise permitted or required by law

We aim to collect only information that is reasonably necessary for the purposes for which it is collected. This reflects the privacy principles applicable to Canadian private-sector organizations.

3. Consent

Where required by applicable privacy law, ConsultBM will obtain your knowledge and consent before collecting, using, or disclosing your personal information.

We will make reasonable efforts to explain what information we are collecting, why we need it, and how it may be used or disclosed.

You may withdraw your consent to certain uses of your personal information, subject to legal, regulatory, contractual, or other reasonable restrictions.

Withdrawing consent may affect our ability to provide certain services where the information is necessary to perform those services.

Canadian privacy guidance generally requires meaningful consent and recognizes that individuals may withdraw consent, subject to applicable limitations.

4. Financial and Tax Information

Because some of our services involve bookkeeping, tax filing, financial planning, and financial advisory matters, you may provide information that is particularly sensitive, including financial records, income information, tax information, identification information, banking-related information, or business records.

We will use such information only for legitimate purposes connected to the services you request, our legal or professional obligations, or other purposes disclosed to you.

We take appropriate safeguards based on the sensitivity of the information we hold. Canadian privacy guidance specifically recognizes financial information as sensitive and recommends stronger safeguards appropriate to the level of risk.

Please do not send highly sensitive financial documents through an ordinary email unless we have specifically instructed you to do so or provided a secure method for submitting them.

5. How We Share Personal Information

ConsultBM does not sell or rent your personal information.

We may disclose personal information where reasonably necessary to:

• Provide requested services
• Work with service providers supporting our business operations
• Process or administer requested services
• Meet legal, regulatory, tax, accounting, or professional obligations
• Protect our legal rights, property, systems, clients, or business
• Prevent fraud, unauthorized activity, or security threats
• Respond to lawful requests from government, regulators, courts, or law-enforcement authorities
• Otherwise act with your consent or as permitted or required by applicable law

Where third-party service providers process information on our behalf, we take reasonable steps to ensure that personal information is handled appropriately and protected according to applicable requirements.

6. Website Forms and Communications

If you submit information through a contact form, consultation request, quote request, or other form on our website, we may use the information you provide to respond to your request and provide the requested service or information.

If you voluntarily subscribe to communications from ConsultBM, we may use your contact information to send relevant updates, educational information, announcements, or other communications you have requested or consented to receive.

You may unsubscribe from promotional or non-essential email communications at any time by following the unsubscribe instructions provided in the communication or contacting us directly.

7. Cookies and Website Technologies

Our website may use cookies or similar technologies to support website functionality, security, performance, analytics, or user experience.

Cookies may allow the website to remember certain information, understand how visitors use the website, or help us improve our online services.

The specific cookies and technologies used may change as our website and service providers change.

Where applicable, you may control certain cookies through your browser settings or any cookie-management tools made available on the website.

8. Third-Party Websites and Services

Our website may contain links to third-party websites, including social media platforms, educational resources, or other external services.

ConsultBM is not responsible for the privacy practices, security, content, or policies of third-party websites.

We encourage you to review the privacy policies of any third-party website before providing personal information.

9. Data Security

ConsultBM takes reasonable administrative, technical, and organizational measures to protect personal information against unauthorized access, collection, use, disclosure, copying, modification, loss, theft, or destruction.

The safeguards we use may include access controls, secure systems, password protection, restricted access, and other appropriate security measures.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure.

Canadian privacy guidance requires safeguards appropriate to the sensitivity of the personal information being protected.

10. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide services, maintain appropriate business and financial records, resolve disputes, meet contractual obligations, and satisfy legal, tax, accounting, regulatory, or professional requirements.

When personal information is no longer required, we will take reasonable steps to securely dispose of, destroy, or anonymize it, where appropriate.

11. Accuracy of Personal Information

We aim to keep personal information in our possession accurate, complete, and up to date for the purposes for which it is used.

If you believe that information we hold about you is inaccurate or incomplete, you may contact us and request that it be corrected.

Canadian privacy principles recognize an individual’s right to challenge the accuracy and completeness of personal information and request appropriate corrections.

12. Access to Your Personal Information

Subject to applicable legal exceptions, you may request access to personal information that ConsultBM holds about you.

You may also ask:

• What personal information we hold about you
• How we use that information
• The purposes for which it was collected
• Where the information came from, where applicable
• To whom it has been disclosed, where applicable

To make an access request, contact us using the information provided below.

We may need to verify your identity before processing an access request.

Canadian privacy law generally provides individuals with a right to access personal information held by organizations and to request corrections where appropriate.

13. Privacy Complaints

If you have a question, concern, or complaint about how ConsultBM handles your personal information, we encourage you to contact us first so that we can review and address the matter.

You may also have the right to raise a privacy complaint with the applicable privacy regulator, including the Office of the Privacy Commissioner of Canada where PIPEDA applies.

14. Children’s Privacy

Our website and services are not specifically directed toward children.

We do not knowingly collect personal information from children where doing so would be inappropriate or contrary to applicable law.

If you believe that a child has provided personal information to us without appropriate consent, please contact us.

15. Cross-Border Processing

Some technology, hosting, communication, or service providers used by ConsultBM may process or store information outside Canada.

Where personal information is transferred or processed outside Canada, it may be subject to the laws of the jurisdiction in which it is processed.

ConsultBM will take reasonable steps to ensure that personal information remains appropriately protected when handled by service providers.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, website, business practices, legal requirements, or privacy practices.

When changes are made, the updated policy will be posted on this page with a revised effective date.

We encourage you to review this Privacy Policy periodically.

17. Contact Us

If you have questions about this Privacy Policy, want to make a privacy request, or have a concern about how your personal information is handled, please contact ConsultBM Advisory Inc.

ConsultBM Advisory Inc.
Canada-wide virtual services
Phone: +1 (437) 366-4624
Email: info@consultbmadvisory.ca

Tax filing services exclude Quebec.

We aim to respond to privacy-related enquiries within a reasonable period and in accordance with applicable privacy requirements.

Last Updated: September 23, 2026