Privacy Policy
Norman Piché & Associates Private Wealth Management Privacy Policy
Last updated January 2024.
Thank you for visiting www.normanpiche.ca, the website of Norman Piché & Associates Private Wealth Management. We respect and protect the privacy of our users. This privacy policy tells you how we collect and use information.
If you contact us, we will collect the email address you nominate and any other identifying information you provide, such as a name or phone number. We may use this information for Norman Piché & Associates Private Wealth Management marketing purposes. We will never sell this private information to third parties.
Please read this Privacy Policy carefully. We will alert You to any changes to this Policy by changing the “last updated” date at the top of this Policy. Any changes become effective immediately upon publication on Our website, and You waive specific notice of any changes to the Policy by continuing to use and access Our site(s). By accessing and using this website, you agree to this privacy policy. If you do not agree with this privacy policy, please do not use or access this website.
What is Personal Information?
“Personal information” is personally identifiable information such as your name, residential address and email address and includes information about your products, services, subscriptions and usage, credit card information and billing records. It does not include the name, title, business address or telephone number of an employee of an organization.
What kind of personal information does Norman Piché & Associates Private Wealth Management collect?
We collect various types of personal information including: Your name, shipping address, email address, telephone number, credit card information, or demographic information like Your age, gender, or hometown. You consent to giving Us this information by providing it to Us voluntarily on Our website or any mobile application. You provide some of this information when You register with or make purchases from Our website. You may also provide this information by participating in various activities associated with Our site, including responding to blogs, contacting Us with questions, or participating in group training. Your decision to disclose this data is entirely voluntary. You are under no obligation to provide this information, but Your refusal may prevent You from accessing certain benefits from Our website or from making purchases. This information will be used for the primary purpose for which it was collected, which may include: responding to your message, communicating with you about the requested service or product, and processing payments for any and all purchases made by you through the website and links.
Norman Piché & Associates Private Wealth Management also collects certain technical information from your computer each time you request a page during a visit to our web site www.normanpiche.ca.This information is collected from your computer’s Web browser to enhance your experience on our web site and may include your IP address, desktop or mobile operating system, Web browser software, screen resolution, and referrer Website.
How Does Norman Piché & Associates Private Wealth Management collect personal information?
We collect personal information that is voluntarily provided to us by our customers, members, sponsors, web site users and the public in general when they contact us via telephone, e-mail, web browser, or in person. As mentioned above, we may also collect personal information from our business partners and other third parties who have agreed to obtain the consent of the person the information pertains to before disclosing the information to us. Norman Piché & Associates Private Wealth Management may also collect personal information through the following means:
i) Cookies. A cookie is a piece of data stored on a web site user’s computer hard drive containing information about the user. Cookies automatically delete this information from our computer storage system after 30 days, but permanent cookie files remain on the user’s computer’s hard drive until they manually delete the file. Norman Piché & Associates Private Wealth Management can use cookies to deliver content specific to your interests and to save your password so you don’t have to re-enter it each time you visit our website. Cookies, by themselves, cannot be used to disclose your individual identity. A cookie will identify your browser, but not you, to our computer servers when you visit our website. Most browsers are initially set up to accept cookies, but you can set your browsers to refuse cookies. However, if you do not accept cookies, you may be limited in some areas of our website.
ii) Web beacons. To assess the effectiveness of promotional and marketing emails we send, we may attach a web beacon to the email that provides us with confirmation when the recipient opens the email. This only occurs if the recipient’s computer supports such technology.
iii) Google Analytics, Shopify Analytics + Facebook Pixel. We may partner with third-party analytic companies, including, but not limited to, Google Analytics, Shopify Analytics, Facebook Pixels. The analytic companies may also use cookies (described above) or other tracking technologies to analyze visitors’ use of Our website or mobile app to determine the popularity of the content, and better understand online activity. We do not transfer personal information to these third-party vendors. However, in order to access Our website, You must consent to the collection and use of Your information by these third-party analytic companies. You should review their Privacy Policy and contact them directly if You have questions. If You do not want any information to be collected and used by tracking technologies, visit the Network Advertising Initiative Opt-Out Tool or Digital Advertising Alliance Opt-Out Tool.
Why does Norman Piché & Associates Private Wealth Management collect personal information?
Your information allows us to offer you certain products and services, including the use of our website, to fulfill our obligations to you, to customize your interaction with our company and our website, and to allow us to suggest other products and services we think might interest you. We generally store Your data and transmit it to a third party for processing. However, to the extent We process Your data, We do so to serve Our legitimate business interests (such as providing You with the opportunity to purchase Our goods or services and interact with Our website or mobile app).
Collecting Data from Children
This website or mobile app is not designed for use by children under age 16, and We do not knowingly solicit personal data from anyone under age 16. If You are under age 16, do not access or use Our website or related products or services. If You become aware that We have collected data of anyone under the age of 16, please contact Us so that We may delete that data.
Sensitive Data
We request that You do not submit any sensitive data to Us, via public postings, email correspondence with Us, or any other method, including social security number, health data, genetic data, or information related to Your ethnic origin, religious beliefs, or criminal history. If You do send Us this information, then by doing so You are consenting to Our use, storage, and processing of this information in accordance with this privacy policy.
Verifying and Amending Your Personal Information
Norman Piché & Associates Private Wealth Management tries to ensure that all personal information about you that is in our possession is accurate, complete and up-to-date. To enable us to do so, please inform the person to whom you provided your personal information of any change to that information.
You can inquire about, access and review your personal information held by Norman Piché & Associates Private Wealth Management and make corrections to it. Please send us an email to norman.piche@igpwm.ca for assistance with these matters. In some cases, Norman Piché & Associates Private Wealth Management will be prevented from disclosing the requested information to you. If any request you make for access to personal information is denied, we will provide you with an explanation.
Website Analytics / Cookies
To improve your experience on our site, we may use 'cookies'. Cookies are an industry standard and most major websites use them. A cookie is a small text file that our site may place on your computer as a tool to remember your preferences. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website.
Our website may contain links to other websites. Please be aware that we are not responsible for the privacy practices of such other sites. When you go to other websites from here, we advise you to be aware and read their privacy policy.
Our website uses Google Analytics, a service which transmits website traffic data to Google servers in the United States. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website traffic and web page usage.
Terms & Conditions
Norman Piché & Associates Private Wealth Management Terms and Conditions
Last updated January 2024.
Your access to and use of this website is subject to legally binding terms and conditions. Carefully read the following terms and conditions before accessing or using this website. Your accessing or use of this website indicates your acceptance of the following terms and conditions and your agreement to be bound by them. The following terms and conditions form a binding agreement (“Agreement”) between you and Norman Piché & Associates Private Wealth Management. We may change these terms and conditions at any time without advance notice. Changed terms will become effective once posted on this website. Your continued use of this website after any change means you have accepted the changed terms and conditions.
Canadian Copyright Law
Copyright protection is automatic in Canada. A work need not be registered with the Canadian Copyright Office nor does it have to be marked with a © to indicate that it is copyright protected.
a) Restricted Uses
Unauthorized copying or commercial publication or exploitation of text, images, audio and video clips and other content of this website including publication, retransmission, broadcast, circulation, selling, reproduction or redistribution, except as authorized by Norman Piché & Associates Private Wealth Management, is specifically prohibited. Anyone wishing to use any text, images, audio and video clips and other content for commercial use, publication, or any purpose other than fair dealing as defined by Canadian law, must request and receive prior written permission from Norman Piché & Associates Private Wealth Management. You covenant and agree not to use any screen scraping, framing, bots, spiders, crawlers, avatars, intelligent agents or other automated processes on this website or its content, without Norman Piché & Associates Private Wealth Management written consent. Permission for such uses may be granted on a case-by-case basis at the sole discretion of Norman Piché & Associates Private Wealth Management. A usage fee may be assessed depending on the type and nature of the proposed use.
b) Links to Third Party Websites
The Norman Piché & Associates Private Wealth Management website contains links to third party websites. The linked sites and pages are not under the control of Norman Piché & Associates Private Wealth Management and Norman Piché & Associates Private Wealth Management is not responsible for the contents of any linked website. These links are provided as a convenience only and shall not be construed as an endorsement or sponsorship of the linked website by Norman Piché & Associates Private Wealth Management.
c) Entire Agreement
These terms and conditions and any other legal notices, policies and guidelines of Norman Piché & Associates Private Wealth Management linked to these terms and conditions constitute the entire Agreement between you and Barks & Recreation relating to your use of this website and supersede any prior understandings or agreements (whether oral or written), claims, representations, and understandings of the parties regarding such subject matter. This Agreement may not be amended or modified except by Norman Piché & Associates Private Wealth Management making such amendments or modifications available on this website.
d) Limitation of Liability and Indemnity
IN NO EVENT WILL Norman Piché & Associates Private Wealth Management OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING AMONG OTHER THINGS LOSS OF REVENUE OR PROFITS), PUNITIVE, OR EXEMPLARY, DAMAGES OF ANY KIND OR SUBJECT TO EQUITABLE OR INJUNCTIVE REMEDIES (WHETHER BASED ON BREACH OF CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE) ARISING OUT OF ACCESS TO, OR USE OF THIS WEB SITE, OR DELAY OR INABILITY TO USE THIS WEB SITE, OR ANY INFORMATION CONTAINED IN THIS WEB SITE. NOTHING IN THIS LIMITATION OF LIABILITY SHALL EXCLUDE LIABILITIES NOT PERMITTED TO BE EXCLUDED BY APPLICABLE LAW. As a condition of your use of this website, you agree to indemnify Norman Piché & Associates Private Wealth Management and its affiliates from and against any and all liabilities, expenses (including legal fees) and damages arising out of claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these terms and conditions.
Resolving Your Concerns
If you have any questions or concerns about Norman Piché & Associates Private Wealth Management’s personal information collection, use and disclosure practices, or terms and conditions, please let us know and we will do our best to help you. Please contact us directly at norman.piche@igpwm.ca.
Disclosures
Marketing Commentary, Newsletters & Articles
Written and published by IG Wealth Management as a general source of information only. Not intended as a solicitation to buy or sell specific investments, or to provide tax, legal or investment advice. Seek advice on your specific circumstances from an IG Wealth Management Consultant.
Some commentary published by IG Wealth Management represents the views of our Portfolio Managers, and is provided as a general source of information. It is not intended to provide investment advice or as an endorsement of any investment. Some of the securities mentioned may be owned by IG Wealth Management or its mutual funds, or by portfolios managed by our external advisors. Every effort has been made to ensure that the material contained in the commentary is accurate at the time of publication, however, IG Wealth Management cannot guarantee the accuracy or the completeness of such material and accepts no responsibility for any loss arising from any use of or reliance on the information contained herein. Investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm) and Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund.
Mutual Funds or Mandates
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Money Market Funds
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated.
iProfile Private Discretionary
Commissions, fees and expenses may be associated with mutual fund investments and the use of iProfile™ Managed Asset Program. Read the prospectus and speak to an IG Consultant before investing. Mutual funds are not guaranteed, values change frequently and past performance may not be repeated. Recommendations relate only to Investors Group mutual funds. An asset allocation service, iProfile is a managed asset program for clients with a minimum of $250,000 invested in the iProfile program.
Government Programs and Product Information
The Canada Disability Savings Grant (CDSG) and the Canada Disability Savings Bond (CDSB) are provided by the Government of Canada. Eligibility depends on family income levels. Speak to an IG Wealth Management Consultant about special RDSP rules; any redemption may require repayment of the CDSG and CDSB.
GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers. Minimum deposit, rates and conditions are subject to change without notice.
IG Wealth Management Charitable Giving Program
The IG Wealth Management Charitable Giving Program is offered together with the Strategic Charitable Giving Foundation, which operates independently from IG Wealth Management. Donations are irrevocable and vest with the Foundation. This information is general in nature and not intended to be professional tax advice. Please read the Program Guide for complete details, including fees and expenses.
IG Wealth Management Companies
Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services Firm). Insurance license sponsored by the Canada Life Assurance Company (outside of Québec). Investors Group Guaranteed Investment Funds are segregated fund policies issued by the Great-West Life Assurance Company.
Brokerage offered through Investors Group Securities Inc. (in Québec, a firm in financial planning)
Mortgages are offered by Investors Group Trust Co. Ltd., a federally regulated trust company, and brokered by nesto Inc. Licences: Mortgage Brokerage Ontario #13044, Saskatchewan #316917, New Brunswick #180045101, Nova Scotia #202507230; Mortgage Brokerage Firm Quebec #605058; British Columbia, Alberta, Manitoba, Newfoundland/Labrador, PEI, Yukon, Nunavut, Northwest Territories.
*In Ontario, a mortgage agent, and in New Brunswick and Nova Scotia, a mortgage broker or a mortgage associate.
*In Quebec, a mutual fund representative.
Mortgage advisors are licenced professionals and equivalent to the following titles per province: Sub Mortgage Broker/Mortgage Broker in British Columbia, Mortgage Associate/Mortgage Broker in Alberta. Associate/Mortgage Broker in Saskatchewan, Salesperson/Authorized Official in Manitoba, Mortgage Agent /Mortgage Broker in Ontario, Mortgage Broker in Quebec, Mortgage Associate /Mortgage Broker in New Brunswick, Associate Mortgage Broker/Mortgage Broker in Nova Scotia or Mortgage Broker in Newfoundland & Labrador,
Mortgages are offered by Investors Group Trust Co. Ltd., a federally regulated trust company. Mortgages are administrated by I.G. Investment Management, Ltd., registered as a Mortgage Administrator in ON (11256), NB (160000257) and NS (3000232).
Shariah Law
There is no representation regarding compliance of investments with Shariah law
Trademarks
Trademarks, including IG Wealth Management and IG Private Wealth Management, are owned by IGM Financial Inc. and licensed to subsidiary corporations.
Investors Group Securities Inc
Investors Group Securities Inc is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (“CIPF”). To learn more about the CIPF, please contact your advisor or visit www.cipf.ca.