Privacy Policy

Introduction
Eckler Ltd. ("Eckler") is strongly committed to protecting any personal information that we collect, use and disclose in the course of providing professional services and operating our firm, in accordance with all applicable regulatory requirements, including applicable privacy legislation, and consistent with our professional obligations. As practicing actuaries and consultants, we have professional and ethical obligations to maintain information we have received within our client relationships in confidence. This privacy policy supplements our professional obligations of client confidentiality and sets out in general terms how we collect, use, disclose and protect the personal information of our web site users ("you").

"Personal Information"
Privacy legislation in Canada defines "personal information" broadly as any information about an identifiable individual. In general, personal information does not include business contact information, including your name, title or position, business or business e-mail address, telephone or facsimile number.

Collection of Personal Information
Our web site may collect and store certain types of Personal Information through:

Cookies – Cookies are small data files that are sent to your browser and stored on your computer's hard-drive when you visit certain web sites in order to "track" your visit to the site. Eckler may, from time to time, collect non-personal information about you and your use of the site though the use of cookies. We do not match or correlate this information with any personal information that you submit on the web site. Cookies may be used to customize the site according to visitor preferences, e.g. preferred language. They may also be used to analyze web site usage.

On-line Forms – In order to provide our web site users with publications, information or requested services, visitors may voluntarily submit personal information to us for such purposes as subscribing to or downloading publications, participating in a seminar or other event, participating in surveys or asking a question. We use the personal information you provide only for the purpose for which you have provided it. If a subscriber or visitor has subscribed or attended a seminar or other event in the past, we may combine the information with information submitted on the web site. We provide an on-going opportunity to unsubscribe or opt-out of contact by the firm. To do so, please contact the Privacy Officer mentioned below.

E-Mail Communications – To respond to e-mail requests, we may use your e-mail address and any other information you provide.

Links
Our web site may present links to other web sites. You should be aware that operators of linked web sites may also collect your personal information and information generated through the use of cookies when you link to their web sites. Eckler is not responsible for how such third parties collect, use or disclose your personal information, so it is important to review their privacy policies before providing them with your personal information.

Modification
We reserve the right to change our Privacy Policy at any time by posting a new Privacy Policy on our web site.

We have established policies and procedures with the objective of protecting personal information and have appointed a Privacy Officer to oversee privacy matters for our firm. If you have any questions about our privacy policies, please contact our Privacy Officer at:

Privacy Officer
Eckler Ltd.
110 Sheppard Avenue East
Toronto, Ontario
M2N 7A3, Canada
Telephone: 416-429-3330
E-mail: privacyofficer@eckler.ca

By using this web site, you consent to the collection and use of your Personal Information as described herein.

This page and all contents Copyright © 2015 Eckler Ltd. All rights reserved.