SSI has a number of measures in place to ensure that your information is kept secure, whether it is stored electronically or in paper format. We are constantly taking measures to enhance these safeguards. Organizational security measures include, but are not limited to, the following:
If the personal information we have about the debtor is going to help us recover a debt, we need to keep this information as accurate as possible. However, we are relying on the information we receive from our clients, third parties and debtors’ to maintain accurate records. We attempt to verify the personal information we possess prior to using it or disclosing it for debt collection purposes.
Personal information that is in electronic format is maintained in our data base for a period of seven years from the date an account is assigned or the date of last financial activity or acknowledgement of the debt. Should the file have been litigated and judgment obtained, electronic information is retained for twenty years. Data is made anonymous on November 1st of year following the expiration of the limitation statutes/requirements. Personal information that is no longer necessary or relevant for debt collection purposes or required to be retained by law shall be erased or made anonymous. Where personal information has been used to take legal action against a debtor, SSI will retain the information for as long as required by limitation statutes for appeal purposes. Paper records containing personal information (for example, correspondence from the debtor) are kept in locked filing cabinets for a maximum of 6 years before they are shredded. Note that when we delete personal information from the system, residual information may remain in back-up files temporarily.
You have the right to access any personal information that we have about you, as well as to find out about the uses and disclosures of this information. You can also challenge the accuracy and completeness of the information and have it amended as appropriate. In order to safeguard personal information, a debtor may be required to provide sufficient identification to permit SSI to account for the existence, use and disclosure of personal information and to authorize access to the debtor’s file. Note that in certain situations, SSI may not be able to provide access to all of the personal information it holds about a debtor. Exceptions may include information that contains references to other individuals that cannot be adequately severed so as to protect someone else’s privacy; information that cannot be disclosed for legal, security or commercial proprietary reasons; or information that is subject to solicitor-client or litigation privilege. SSI shall provide the reasons for denying access upon request.
Sum Strategies Inc.
1200 Colonial Road, P.O. Box 14
SSI shall investigate all complaints concerning compliance with the policy. If a complaint is found to be justified, SSI shall take appropriate measures to resolve the complaint including, if necessary, reprimanding employees or amending its policies and procedures.