Privacy Policy.

Protecting and Maintaining the Privacy of Your Information


F. Carter Njovana is committed to the integrity and protection of the privacy of website visitors to (“Public Website”) and of customers using F. Carter Njovana's client services portal (“Portal”). This privacy statement (“Statement”) is meant to inform you of F. Carter Njovana’s information gathering and dissemination policies and practices regarding your use of the public website and/or the client service portal.


There are three vital aspects that dur data management policies and practices are meant to protect: your data integrity, security, and access.

Data integrity begins with the person or office creating the data, and is the continuing responsibility of all who subsequently access and use it.

Security of data touches on electronic security and trust. Your data is protected at all levels against damage, loss, and breaches of security and all who use it share this responsibility.

Access is granted internally when a legitimate business need for the data is demonstrated, and externally when release of such data would not violate the company’s stewardship obligations, privacy legislation, or legal and other contracts.


Through the Hosted systems (external website, marketing automation), F. Carter Njovana may collect information such as your IP address, web browser information and other actions. This information may be collected through the use of commonly-used information-gathering tools, such as cookies. Collectively, this information is referred to herein as “user information.”

F. Carter Njovana may collect personal information in connection with:

  • Website profile creation and user verification for accessing online resources
  • Information requests or complaints marketing, newsletters or subscription
  • Visits or browsing on F. Carter Njovana's website.

The types of personal information F. Carter Njovana may collect include:

  • Personal and business contact information, such as name, address, telephone number, and email address
  • Other unique information such as user IDs and passwords, service preferences and contact preferences
  • Details of the services clients have requested from F. Carter Njovana or which they have inquired about, together with any additional information necessary to deliver those services and to respond to client inquiries
  • Any additional information relating to you that you provide to us directly through our websites or indirectly through use of our websites or online presence, through our representatives or otherwise


F. Carter Njovana uses User Information for the sole purpose of providing and improving client service, maintaining security, and targeted information delivery. F. Carter Njovana will not share user information with telemarketing or third parties and is subject to privacy restrictions set forth herein.

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What is Personal Information

Personal information is defined as information about an identifiable individual such as name, address, age, gender, income, marital status, finances, employment, and government issued identification numbers. Personal information does not include business contact information. 

Why We Need Your Information

Securities and insurance industry regulations require that we obtain a minimum amount of information about you so that we can provide the proper level of service and supervision to your account. Certain details such as your financial position and risk tolerance are required as the basis for our recommendations about the proper management of your account. We require your Social Insurance Number in order to comply with certain Canada Revenue Agency (CRA) reporting requirements. We will use your drivers license or passport as a means of identifying you.

Disclosure of Personal Information

Disclosure of personal information to a third party may be required in cases such as dealing with service providers or when disclosure is lawfully required. Our service providers are bound by the same requirements and are required to maintain procedures and high standards in respect to the protection of your personal information. We are required to provide your personal information to regulatory bodies within the investment and insurance industries upon request. We may also be required to disclose your information to government agencies, law enforcement or when we are in receipt of a valid court order or search warrant. 

Accountability & Protection of Information

F. Carter Njovana is required to follow the standards set out in the privacy policy and must sign a confidentiality and non-disclosure agreement as a condition of client engagement. Accessing your confidential information is only permitted for a legitimate business purpose. We maintain strict standards to protect your information against unauthorized access and use. Only authorized individuals have access to your personal information.

Your Right To Access Information

Most of your information is in the form of account documentation and transaction records. You will receive copies of any documents you sign to open an account with F. Carter Njovana. You will also receive monthly or quarterly account statements, which detail the transactions that have occurred in your account during that period. With access to your account electronically, you may view your account transactions at any time. You can request access to your personal information (unless prohibited by law or regulation). If you require further details about your information, you may contact us at any time. 

Accuracy Of Information

Maintaining complete and accurate information about you will enable us to give you the best possible service. We expect that you will provide us with updated information when you move, change telephone numbers or have any other material changes in your information, including employment information. If you detect any errors in the documentation we provide to you, please let us know immediately. 

Your Account with F. Carter Njovana

By opening an account with F. Carter Njovana, you provide us with consent to collect, use and disclose your personal information as set out in this policy. You are also consenting to be contacted by telephone, internet, email and other methods for the purpose of ongoing communication in the handling of your account(s) using the contact information you have provided. 

Your Right To Withdraw Consent

When opening an account, you consent to the collection, use and release of your personal information. If at any time you wish to withdraw this consent, please advise us. However, withdrawing consent may result in F. Carter Njovana not being able to provide certain services or maintain an account for you.

Contacting F. Carter Njovana

We will address and respond to any of your concerns regarding the handling of your personal information. Concerns may be addressed to the attention of F. Carter Njovana, 101 Duncan Mill Rd., Suite 108, Toronto, ON M3B 1Z3.