PRIVACY POLICY

Security and Privacy of Information

Our company is governed by provincial and state legislation regarding privacy of information and security surrounding personal data -- without consent of a consumer, we may not disclose information to an unauthorized third party that indicates a debt or their relationship with our company. 

All staff members involved in the handling of personal data are registered either individually under the provincial or state collection agency legislation, or operate under our company registration and must abide by all laws.  We cannot disclose your personal information (which would include your contact numbers, email or mobile information, or Personally Indentifiable Information / PII) to any third party, affiliate, or marketing company outside of credit report inquiries, credit reporting or involving a paralegal or lawyer retained to pursue legal action on a debt.

All physical or electronic personal data is kept in a secured format in our company, and is only accessible by authorized parties.  Any payment information retained by our office is in accordance with the Canadian Payment Association (CPA) and Payment Card Industry Data Security Standard (PCI DSS).

Our company does report data under the Consumer Reporting Act, and must comply with security procedures regarding the disbursement and collection of data.  Trans Union, Equifax, and Ansonia Credit Data are all registered members of the Consumer Reporting Act.

Personal Information Protection and Electronic Documents Act

The Personal Information Protection and Electronic Documents act was introduced in 2001 by Industry Canada, and fully came into effect on January 1, 2004.  It establishes rules to govern the collection, use, and disclosure of personal information in a manner that balances the right of privacy of all individuals with the need of organizations to collect, use or disclose personal information for a reasonable purpose.  The act can be found at laws.justice.gc.ca/en/P-8.6/

Our clients have already received the individual's consent to disclose personal information in a credit application or the initial stages of their relationship with the consumer. After the file comes to a collection agency, there is an exception to PIPEDA that you may disclose personal information without that individual’s knowledge or consent to collect a debt.

Contact By Kingston Data & Credit

Our company may contact consumers or businesses listed with our company for a debt, credit check, or credit reporting.  We have authority to contact consumers or businesses under the provincial or state collection statutes, and there is an exemption for consent or opting in under the Canada Anti-Spam Legislation (CASL) as we are enforcing a right or in pursuit of enforcing a right.

We may attempt to make contact by telephone, SMS, email, or letter mail.  Certain provinces limit contact attempts by our company to certain days and times of day, and frequency may not exceed three attempts in any y day period, excepting responses to inbound communication.  Any consumer has the right to opt-out of any communication channel except letter mail by contacting us via email or texting “STOP” in response to a text message received.  If you wish to resume communication with our company, you must contact us and explicitly authorize future communications or text “START” to a text message previously received.

Kingston Data and Credit does not charge any fees for communications by telephone, SMS or email.  If you incur cost from inbound communications and wish us to not communicate with you by that communication channel, please contact us via email.  Standard message and data rates as determined by your mobile carrier or internet service provider may apply, contact your carrier for details.

If you need assistance with any communications you are receiving, please call us at 1-888-908-3151, contact us by email, or text “HELP” in response to a text message received.

Contact Us

If you have any questions regarding our privacy policy, please contact us via email, or call us at 1-888-908-3151