AW Gray and Associates Inc. will never share, publish, sell or otherwise divulge any information that is given to us through our association with you, without your express written permission. Your personal and financial information has been gathered for the following purposes: Personal Information At the time you begin a relationship with us and during the course of our relationship, we may collect information about you. We obtain most of our information about you directly from you. For every product or service, we need your name, address, birth date, occupation and some identification. For certain products, we may need to collect other personal information. With your consent, we may obtain information about you from third parties, including credit reporting agencies. Uses We ask you for information to establish and serve you as our customer. We share information within AW Gray & Associates Inc. to manage our business risks and operations, to comply with legal or regulatory requirements, to determine your financial needs, and to offer you products and services. We may release your information to parties outside AW Gray & Associates Inc., such as our suppliers and agents who assist us in serving you.  They may be located in Canada or other jurisdictions or countries, and may disclose information in response to valid demands or requests. Your Choices You may access and update the information we have about you. There are several privacy preferences available to you. For example, you may choose not have us contact you with direct marketing offers or to participate in customer research surveys. In most cases, you are free to refuse or withdraw your consent at any time. Contact us if you want more information on any of the above. Important Information We will protect your information with appropriate safeguards and security measures. For your protection, do not send confidential or personal information (e.g. account numbers, etc.) via email, as is it NOT a secure method of communication. If your request is urgent or requires disclosure of confidential or personal information, please call us.