PRIVACY POLICY – Your Trust Is the Foundation of Everything We Do.
Last Updated: February 2026
Our Commitment to Your Privacy
At Victory Advantage Wealth and Assets Management (VAWAM), we understand that the information you share with us is among the most personal and sensitive you will ever entrust to any professional. Your financial details, your family circumstances, your goals, and your personal identifying information are shared with us in the context of a relationship built on trust — and we treat that trust with the seriousness it deserves.
This Privacy Policy explains what personal information we collect, why we collect it, how we use it, how we protect it, and what rights you have with respect to your information. It applies to all clients, prospective clients, and visitors to our website at www.vawam.ca.
VAWAM is committed to full compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation governing the collection, use, and disclosure of personal information in the course of commercial activity in Canada.
What Information We Collect
We collect personal information that is necessary to provide you with the financial advisory, wealth management, tax planning, mortgage strategy, risk management, estate planning, and related services that VAWAM offers.
The information we may collect includes your full legal name, date of birth, and contact information including mailing address, email address, and telephone number. It includes government-issued identification details required for identity verification and regulatory compliance. It includes financial information such as income, assets, liabilities, investment holdings, insurance coverage, tax returns, and account details. It includes employment information, business ownership details, and professional background where relevant to the services being provided. It includes information about your family members, dependants, and beneficiaries where necessary to construct a comprehensive financial or estate plan. For clients with cross-border financial ties, it may include US taxpayer identification numbers, Social Security numbers, foreign account details, and other information required for IRS or CRA compliance purposes. And it includes information you provide to us through our website contact forms, consultation booking requests, or direct correspondence.
We collect only the information that is reasonably necessary for the purposes identified at the time of collection. We do not collect information indiscriminately.
How We Collect Your Information
We collect personal information directly from you — through in-person consultations, telephone conversations, written correspondence, email communication, and online forms on our website. We may also collect information from third parties with your knowledge and consent, such as from other financial institutions, insurance providers, government agencies, legal professionals, or accounting professionals as part of delivering coordinated financial services on your behalf.
Why We Collect and How We Use Your Information
Your personal information is used solely for the purposes for which it was collected and for which you have provided consent. These purposes include establishing and maintaining your client relationship with VAWAM, providing the financial planning, wealth management, tax planning, mortgage advisory, risk management, estate planning, executor advisory, and investment planning services you have engaged us for, complying with legal and regulatory obligations including CRA reporting requirements, IRS filing obligations where applicable, anti-money laundering legislation, and Know Your Client requirements, communicating with you about your financial plan, account updates, service changes, and relevant financial information, and processing mortgage applications and liaising with lender partners on your behalf.
We do not use your personal information for purposes beyond those for which it was collected without your express consent.
Disclosure of Your Information
VAWAM does not sell, trade, rent, or otherwise transfer your personal information to any third party for commercial purposes. Full stop.
We may share your information with third parties only in the following circumstances and only to the extent necessary for the identified purpose. We may share with licensed execution partners, CIRO-registered advisors, SEC-registered advisors, mortgage lenders, insurance carriers, and other service providers engaged to deliver specific components of your financial plan — and only with your knowledge and consent. We may share with legal professionals, accountants, and other advisors who are part of your coordinated professional team. We may share with the Canada Revenue Agency, the Internal Revenue Service, and other regulatory or government authorities where required by law. And we may share where disclosure is required by a court order, subpoena, or other legal process.
All third parties with whom we share your information are required to maintain appropriate confidentiality and to use the information only for the specific purpose for which it was shared.
How We Protect Your Information
VAWAM takes the security of your personal information seriously. We maintain physical, electronic, and procedural safeguards appropriate to the sensitivity of the information held. Access to your personal information within our practice is restricted to authorized individuals who require it to perform their professional responsibilities. Electronic files containing personal information are protected by password controls, encryption where applicable, and secure storage protocols. Physical documents containing personal information are stored securely and disposed of through confidential destruction methods when no longer required.
No transmission of data over the internet or electronic storage system is one hundred percent secure. However, we are committed to using commercially reasonable measures to protect your personal information and to responding promptly and transparently to any security incident that may affect your data.
Retention of Your Information
We retain your personal information for as long as is necessary to fulfill the purposes for which it was collected and to comply with applicable legal, regulatory, and professional retention requirements. In Canada, certain financial and tax records are required to be retained for a minimum of seven years. Upon the expiry of applicable retention periods, personal information is securely destroyed or anonymized.
Your Rights Regarding Your Personal Information
You have the right to know what personal information VAWAM holds about you and to request access to that information. You have the right to request correction of any personal information that is inaccurate, incomplete, or outdated. You have the right to withdraw consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions and reasonable notice — though withdrawal of consent may affect our ability to provide you with certain services. And you have the right to make a complaint to the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated.
To exercise any of these rights, please contact us using the information provided at the end of this policy.
Website and Digital Information
When you visit www.vawam.ca, certain technical information may be collected automatically, including your IP address, browser type, pages visited, and time spent on the site. This information is used solely for the purposes of improving our website, understanding visitor behavior in aggregate, and ensuring the security and proper functioning of our digital presence. We do not link this technical information to your personal identity.
Our website may contain links to third-party websites. VAWAM is not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party site you visit.
Cookies
Our website may use cookies — small data files stored on your device — to enhance your browsing experience and analyze website traffic. You may configure your browser to refuse cookies or to alert you when cookies are being sent. Doing so may affect the functionality of certain features on our website.
Cross-Border Data Considerations
Given the nature of VAWAM’s cross-border Canada-US advisory services, some client information may be transmitted to or processed by third parties or regulatory authorities operating in the United States, including the Internal Revenue Service. Where cross-border transmission of personal information occurs, it is done in compliance with applicable Canadian privacy law, with appropriate safeguards in place, and with your knowledge and consent as part of the service engagement.
Changes to This Privacy Policy
VAWAM reserves the right to update or amend this Privacy Policy from time to time to reflect changes in our practices, applicable law, or regulatory requirements. The most current version of this policy will always be available on our website at www.vawam.ca. The effective date at the top of this document will reflect the date of the most recent revision. We encourage you to review this policy periodically. Your continued engagement with VAWAM following any amendment constitutes your acceptance of the revised policy.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us directly.
Victory Advantage Wealth and Assets Management (VAWAM) Greater Toronto Area, Ontario, Canada Website: www.vawam.ca
We will respond to all privacy-related inquiries within a reasonable timeframe and in accordance with our obligations under applicable privacy legislation.
This Privacy Policy applies to Victory Advantage Wealth and Assets Management (VAWAM) and governs the collection, use, and disclosure of personal information in connection with all services provided by VAWAM. It does not constitute legal advice. Clients with specific privacy concerns are encouraged to consult with a qualified privacy or legal professional.