Effective Date: July 15, 2026
Corient is committed to protecting your privacy. This Privacy Notice (the “Privacy Notice”) describes how we may process, collect, use, disclose, or retain Personal Information (as defined in the Categories of Personal Information We Collect About You section below) in the context of the operations of Corient Canada Ltd., also doing business under the registered business name of Corient (collectively, “Corient,” “we,” “us,” or “our”). This Privacy Notice also describes the rights you may have regarding our processing of your Personal Information under applicable law.
1. Categories of Personal Information We Collect About You and How We Collect Your Personal Information
Personal Information, also called personal data, refers to information that identifies you (“Personal Information”). We may collect the following categories of Personal Information about you in the ways described below, depending on your relationship with us. We only collect the Personal Information we determine is necessary for our identified purposes.
Investors and Account Holders. We collect Personal Information directly from you or from your authorized representative(s). Depending on how you do business with us, this Personal Information may be collected on applications, forms, over the phone, in person, through the internet, through your mobile device, or through other forms of communication. We also collect Personal Information about you indirectly where permitted by law. We limit the collection of Personal Information to what is necessary to fulfill the purpose(s) for which the Personal Information is collected.
The Personal Information we collect includes:
- Contact Information, including name, address, telephone number, and email address
- Date of birth to help us identify and authenticate you
- Financial Information including bank account information to facilitate deposits and withdrawals from your account with us. When required we also use your financial information including your assets and liabilities, income and investment holdings to ensure that products, services, and advice we provide are appropriate for you and the investments you make are suitable for you.
- Employment Information to open accounts and in order to comply with anti-money laundering and other regulations
- Meeting Recordings. We may monitor or record meetings with you to ensure service quality, for training purposes, and to accurately capture notes and action items. We will notify you if a meeting will be recorded, and you are able to decline recording.
- Email Information, when you send us an email or ask us to respond to you by email, we learn your exact email address and any information included in the email. We use your email address to reply to you, and we will store your communication and our reply in case we correspond further. IMPORTANT: We will not ask you to provide Personal Information or login information, such as username, passwords, PINs, security question and answers or account numbers, through unsolicited email. If you receive an email claiming to be from us that you believe to be fraudulent, do not respond and do not open or click any links or open attachments contained in the email. Please notify us immediately and then delete the email.
Financial Services Professionals. We collect Personal Information directly from you or from your authorized representative(s). Depending on how you choose to do business with us, this Personal Information may be collected on applications, forms, over the phone, in person, through the internet, through your mobile device, or through other forms of communication. We also collect Personal Information about you indirectly where permitted by law. We limit the collection of Personal Information to what is necessary to fulfill the purpose(s) for which the Personal Information is collected.
- Contact Information, including name, address, telephone number, and email address to facilitate communications with you about your business.
- Provincial Securities Registration Status Information to determine categories and status of registration with provincial securities commissions and self regulatory organization.
- Email Information, when you send us an email or ask us to respond to you by email, we learn your exact email address and any information included in the email. We use your email address to reply to you, and we will store your communication and our reply in case we correspond further. IMPORTANT: We will not ask you to provide Personal Information or login information, such as username, passwords, PINs, security question and answers or account numbers, through unsolicited email. If you receive an email claiming to be from us that you believe to be fraudulent, do not respond and do not open or click any links or open attachments contained in the email. Please notify us immediately and then delete the email.
2. How We Use Your Personal Information
We may use your Personal Information described above for the following business purposes. We only use your Personal Information for the purpose(s) for which it was collected and as otherwise identified in this Privacy Notice.
- Provide and manage products and services you have requested, including to:
- Open and operate your account,
- Verify your identity,
- Execute transactions you request,
- Record account information and report account status back to you,
- Respond to any request or questions you may have,
- Provide you with quality personalized service and support
- Understand our customers, business partners, financial professionals and to develop and tailor our products and services, including to:
- Determine suitability of products and services,
- Determine your eligibility for certain of our products and services, or products or services of others
- Communicate with you about products and services that may be of interest,
- Market and advertise our products and services,
- Conduct internal research and data analytics, including effectiveness of digital marketing,
- Anonymize data or create aggregated datasets, such as for consolidating reporting, research, or analytics
- To comply with legal and regulatory obligations, including to:
- Provide all required tax reporting,
- Comply with legal, regulatory, and contractual requirements, or as otherwise permitted or required by law
- Fulfill obligations under federal anti-money laundering and suppression of terrorism legislation,
- Protect our interests, including recovering any debts you may owe us,
- Protect against fraud and other crime and manage risk, including conducting investigations and proactive crime prevention measures
- For purpose(s) named in your respective application forms and account agreements. If a new purpose for using your Personal Information develops, we will inform you of that purpose.
3. How We Disclose the Personal Information We Collect
We do not sell or rent client lists or Personal Information to third parties.
Our employees or authorized representatives, who are responsible for functions relevant to the purposes identified within this Privacy Notice, and other persons authorized by you or by law, will have access to your Personal Information. Our employees and authorized representatives are required to maintain Personal Information in the strictest of confidence and do not provide access to Personal Information to anyone who is not authorized.
We may disclose your Personal Information described above for our business purposes to the following types of third parties:
- Service providers. We may disclose the Personal Information we hold about you to service providers, contractors, and agents who perform functions and business operations on our behalf, for the purposes set forth above. We disclose to them only such Personal Information as they need to perform the services. We do not authorize them to use or disclose the Personal Information for their own marketing or other purposes. Third-party service providers may include, but are not limited to, custodians, fund managers, accountants, lawyers, technology and communication providers, as required. They may be located in Canada or other jurisdictions or countries and may disclose information in response to valid demands or requests from governments, regulators, courts, and law enforcement authorities in those jurisdictions or countries in accordance with the applicable law in that jurisdiction or country. For more information on our third-party service providers, including where they are located, please contact us, as described in the Contact Us section below.
- Your legal representatives. We disclose information upon your request or in accordance with the authority that you have provided these legal representatives, such as an individual to which you have granted power of attorney and/or trading authority.
- Your financial institutions, securities dealers, and mutual fund companies. We disclose Personal Information to comply with your requests, such as transfer of funds to your banking institution or external another dealership or fund manager.
- Related entities. We may disclose the Personal Information we hold about you to our subsidiaries, affiliates, and related entities.
- Governments, government agencies, regulators, including self-regulators. We may disclose your Personal Information where we believe necessary to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a subpoena.
We may also disclose your Personal Information in the following circumstances:
- To protect our interests. We may disclose Personal Information to any person or organization, including an investigative body, to prevent, detect, or suppress financial abuse, fraud, or other criminal activity; protect our assets and interests; manage or settle any actual or potential loss; address a breach of agreement or contravention of law; collect a debt owed to us; as well as in situations involving potential threats to the safety of any person, violations of this Privacy Notice, or as evidence in litigation in which we are involved.
- Business transfers. If (i) we or our affiliates are or may be acquired by, merged with, or invested in by another company, or (ii) if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the Personal Information we have about you to the other company. As part of the business transfer process, we may disclose certain of your information to lenders, auditors, and third-party advisors, including attorneys and consultants.
- Consent. We may disclose your Personal Information in situations where have your consent, including, when you provide consent for us to share your Personal Information with your authorized representative(s) or a joint account holder.
- Aggregate and de-identified information. We may disclose aggregate, anonymized, or deidentified information about you for any purpose permitted under applicable law.
4. Data Transfers
Your Personal Information will be communicated outside of Quebec, both within Canada and other jurisdictions or countries.
Your Personal Information may be transferred to, accessed and/or retained by the abovementioned third parties. We may store your Personal Information via third-party entities that reside in foreign jurisdictions, which may have different data protection rules than in your country of residence or the country in which it was collected. We and/or a third party may be compelled, by law or otherwise, to provide information to a third party, subject to applicable privacy law. We abide by applicable privacy law in the jurisdiction(s) in which we operate. Note that while such information is outside of your country of residence or the country in which it was collected, it is subject to the laws of the country or jurisdiction in which it is held and may be subject to disclosure to valid demands or requests from the governments, regulators, courts, or law enforcement authorities in those jurisdictions or countries.
5. Data Retention
We have policies in place that govern the retention of your Personal Information, so we keep it only for as long as reasonably necessary to fulfill its intended purpose or to satisfy legal or self-regulatory organization requirements. When we no longer retain your Personal Information, we have procedures to destroy, delete, erase, or convert it to an anonymous form, in a manner that keeps it safe in the process.
Your Personal Information is kept in electronic or paper format:
- In our offices,
- In secure off-site storage facilities, or
- In the offices of our service providers.
Your Personal Information will be held for only so long as it is necessary for the purpose(s) for which it was originally collected, and in accordance with applicable law. We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Notice and for any additional period required under applicable law. When assessing retention periods, we first examine whether it is necessary to retain the Personal Information collected; and, if retention is required, we work to retain the Personal Information for the shortest possible period permissible under applicable law. The factors we will consider when deciding how long we will keep your Personal Information are fulfilling the purpose(s) for which it was originally collected and our legal obligations, such as financial regulatory obligations, dealing with any complaints, defending legal claims, and maintaining business records for analysis and/or audit purposes. After we no longer need the Personal Information in identifiable form, we will either delete it or de-identify it so that it is not reasonably possible to identify you as the subject of such information, except where legally required to do otherwise.
6. Your Privacy Choices and Rights
Depending on the jurisdiction in which you are located, you may have the following rights under applicable law:
- Right to be informed that Personal Information about you is being processed and collected;
- Right to request access to and a copy of your Personal Information and information relating to how it is processed;
- Right to request deletion of your Personal Information;
- Right to request the correction or update of the Personal Information we hold about you;
- Right to lodge a complaint before the applicable data protection authority or directly to us;
- Right to withdraw consent where previously provided.
These rights may be limited or denied in some circumstances. For example, we may retain your Personal Information where required or permitted under applicable law.
Accuracy. We are committed to maintaining the accuracy of your Personal Information and take reasonable efforts to keep your Personal Information complete and up to date. If you discover inaccuracies in our records, or your Personal Information changes, please notify your financial advisor directly so that we can make the necessary changes. Failure to notify us of changes to your Personal Information may negatively impact the way we communicate or provide services to you. Where appropriate, we will advise others of any material amendments to your Personal Information that we may have released to them.
Consent. Depending on the type and sensitivity of the Personal Information and the way you interact with us (in person, internet, phone, email, etc.), we may obtain your consent in different ways:
- We may obtain your express consent verbally, online, or in writing. For instance, when we collect your Personal Information via our account application form, you will formally indicate your consent for us to collect and use your Personal Information when you sign the application.
- We may, however, get your implied consent through your use of a product or service, or when you approach us to obtain information, inquire or apply for products or services from us.
- We may also obtain consent directly from you or by your authorized representative(s).
Where we process your Personal Information based on your consent, you have the right to withdraw that consent at any time. We must receive reasonable notice of your request in order to honour your consent withdrawal. However, there are certain times when you may not withhold or revoke your consent including certain legal, regulatory, or contractual requirements. Your withdrawal of consent does not affect the lawfulness of the processing of your Personal Information before withdrawal. In some cases, we may not be able to provide certain services to you if you do not consent or withdraw consent to our collection, use, or disclosure of the required Personal Information to perform those services. In some such cases, your decision to withhold or revoke your consent may require you to close your accounts with us. If you have any questions or require assistance understanding the scope of the consent we request from you, please contact us, as described in the Contact Us section below.
Submitting Requests. To exercise your rights under applicable law, you may contact us through the contact details provided in the Contact Us section of this Privacy Notice. Please include your full name, address, telephone number, and account number(s) on any correspondence to us so that we can verify your identity.
7. Security Of Your Personal Information
We implement physical, technical, and organizational security measures designed to safeguard Personal Information. These measures are aimed at protecting the Personal Information we hold from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our efforts, no data security measures can guarantee security.
8. Contact Us
We welcome your inquiries and comments.
If you have any questions, comments, or complaints about this Privacy Notice or our privacy practices, or would like to update your privacy preferences or submit a request to exercise your rights to your Personal Information, you can email us at privacy@corient.com or contact us at:
Corient Canada Ltd.
Attn: Chief Compliance Officer
130 King Street West, Suite 2250
P.O. Box 245
Toronto, Ontario M5X 1CB
Phone: (416) 898-4255
If after contacting us you do not feel that your concern or question has been adequately addressed, you may wish to contact the Office of the Privacy Commissioner of Canada by phone at 1-800-282-1376 or by visiting www.priv.gc.ca.
9. Changes to This Privacy Notice
This Privacy Notice is current as of the Effective Date set forth above. We may change this Privacy Notice from time to time, so please be sure to check back periodically. We will post any changes to this Privacy Notice on our website. If we make any changes to this Privacy Notice that materially affect our practices with regard to the Personal Information we hold about you, we will provide notice as required by applicable law. Where applicable law does not require advance notice, such changes may be effective without prior notice, including by posting the updated Privacy Notice on our website.
