Privacy Policy

General Information

Last Update: August 17, 2026

The Website is owned and operated by Phillips & Cohen Associates (Canada) Ltd. (“Phillips & Cohen”, “we”, “us”, “our”), protecting your personal information is of paramount importance. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard your personal information in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), Quebec’s Act representing the protection of personal information in the private sector (LAW 25), and other applicable provincial privacy laws. This Privacy Policy describes the privacy practices relating to https://phillips-cohen.com/canada/ (the “Website”) and applies solely to information collected and used in connection with your use of this Website and in communications with you, including email, phone calls, chat, and other electronic messages, between you and Phillips & Cohen.

PLEASE BE AWARE THAT BY USING AND INTERACTING WITH OUR WEBSITE, YOU CONSENT – TO THE EXTENT PERMITTED UNDER APPLICABLE CANADIAN DATA PROTECTION LAWS – TO THE COLLECTION, USE, DISCLOSURE, AND SHARING OF THE PERSONAL INFORMATION YOU PROVIDE REGARDING YOURSELF, A DECEDENT AND A DECEDENT’S ESTATE AS DESCRIBED IN THIS PRIVACY POLICY.

Table of Contents

What is this Privacy Policy about and what is Personal Information?
Your Personal Information – Personal Representatives, Executors and Administrators
Collection and Use of Personal Information
SMS Disclosure
Tracking Technologies/Cookies
Sensitive categories personal information
Disclosure of Information and Transborder Data Transfers
Data Retention and Destruction
Your Privacy Rights (Quebec and Canada)
Security and Incident Notifications
Updates to this Policy
How do I complain or enquire about the use of my information?

1. What is this Privacy Policy about and what is Personal Information?

This document explains what personal information is collected when you access and use the Website and in communications with you, including email, phone calls, chat, and other electronic messages, between you and Phillips & Cohen, and how Phillips & Cohen collects, uses, and protects your personal information to achieve the purposes outlined in this document

Personal information refers to information that can be used to identify you directly or indirectly. This includes details such as first name, last name, email address, tracking technologies (like cookies or tracking pixels), user activity, and device information.

2. Your Personal Information – Personal Representatives, Executors and Administrators

Phillips & Cohen respects the privacy of visitors to our online sites. Any personal information gathered on this Website will be kept strictly confidential, stored securely in compliance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), Quebec’s Act representing the protection of personal information in the private sector (LAW 25), and other applicable provincial privacy laws.

3. Collection and Use of Personal Information

We only collect personal information that is necessary for the legitimate purposes of our debt collection activities, estate management services (Estate-Serve), and consumer communications. All the personal information we hold about you will be processed by Phillips & Cohen and stored in data centers located in Canada. The purpose of our processing is to contact you to discuss an estate to which you are an appointed representative, Administrator or Executor and, where relevant to take payment to settle the outstanding balances. We will not record or share your payment information (i.e. Card number or bank details) unless we are required to do so by law. We will only share your contact information with our client and approved third parties that apply the same levels of information security and privacy as Phillips & Cohen.

When you fill out online forms or contact us directly, we may collect:

Your name, mailing address, telephone number, and email address.
Account details or information regarding an estate you represent.

This Website also collects and uses information in aggregate form to track the total number of visitors to our site, the number of visitors to each page of our site, the domain names of our visitors’ Internet service providers, and other such technical information. This is technical information that does not by itself identify a specific individual. No personal information is available in this process. We use this information to improve our services.

When you use the Website to make a payment for a debt referred to us, cardholder personal information including name, address, account or case reference numbers, security information or other verification information used to access your account, payment information will be processed by our payment processor, REPAY Holdings, LLC, in accordance with their Privacy Policy and in alignment with this Privacy Policy.

4. SMS Disclosure

By providing your mobile number, you consent to receive SMS communications from Phillips & Cohen Associates (Canada), Ltd. regarding account updates, service notifications, or customer support. Message frequency varies based on your interactions. Standard message and data rates may apply. You may opt out at any time by replying “STOP.” For help, reply “HELP.” We do not sell or share your mobile number, though it may be shared with third-party service providers solely for message delivery. For full details outlining the purpose of SMS communication, opt-out procedures, data handling, and rate disclosures, please see our SMS Terms and Conditions.

5. Tracking Technologies/Cookies

We may use automatic date collection technology and services that record and collect information that can identify a user’s computers. We also use similar tracking technologies (such as pixel tags, web beacons, and local storage) on our Website. Some of these are essential to the operation of our Website; others are used to enhance your experience, analyze site traffic, or for the limited basis of tracking the websites that may have been accessed by a user of our Website both before and after accessing our Website. Please note that where these technologies identify, locate, or profile you, we obtain opt-in consent before use as required by privacy legislation. Cookies and web beacons do not collect or contain personal information.

You may adjust your cookie preferences at any time by clicking the “Manage Cookies” link in the footer of our Website. You may disable functional, analytics, and advertising cookies without affecting your ability to use core site features. Moreover, individuals can reject or disable cookies by managing their browser as well.

IP Addresses and Server Logs

Unique Internet Protocol (IP) addresses are assigned to all Internet users by their Internet Service Providers (ISPs). IP addresses do not directly identify Internet users; however, through an ISP, an IP address may be linked to a particular user.

During a visit to a website, certain information about a user’s traffic patterns, linked with the user’s IP address, is passively and automatically collected in the normal course of establishing and maintaining a website connection. This information is logged by the web server of the website that is visited.

The following information is logged by us during visits to our Website: IP addresses, type of operating system, time and duration of visit, web pages visited and browser type. We do not link this information to any other information in a way that would enable the identification of visitors to our Website. This information is analyzed by us to improve our Website and to customize the Website for users. In addition, from time to time, this information may be reviewed for security purposes; for example, to detect unauthorized activity on our Website. In such cases, data containing IP addresses, may be shared with law enforcement bodies where required by a subpoena, warrant, court order, or legal authority, or necessary to investigate a matter under Canadian federal or provincial law.

Links to Third Party Sites

Our Website may offer links to other third-party websites, including websites of our affiliates. You should be aware that operators of linked websites may also collect your information using cookies or other tracking technologies when you visit their websites. We are not responsible for how such third parties collect, use, or disclose as such information, so it is important to familiarize yourself with their privacy policies before visiting their websites or providing them with information regarding yourself or any estate.

Sensitive Categories Personal Information

In addition to the basic data described above, it may also benefit you to notify us of any health condition or disability you have, so that we are aware of these conditions and how they affect you. This will allow us to take any reasonable steps to accommodate specific needs or requirements you have when we contact you. This type of information is known under the law as ‘sensitive personal information’ and we require your explicit consent to process this information.

This kind of information will only be collected from you and used by Phillips & Cohen to assist you. The information will only be shared with our client, who has engaged us to provide these services, with your consent and will only be kept as long as it is required for this purpose, or until such time as you notify us you no longer consent to its processing.

Disclosure of Information and Transborder Data Transfers

We do not sell or rent your personal information to third parties. Your information may only be disclosed to:

Original lenders and creditors: Information you provide may be shared with the original credit lender from whom the account originated.

In the event of a merger, all data will be transferred to the new entity. In the unlikely event of a bankruptcy proceeding, all information would be transferred in accordance with the Court Order.

Some of our service providers or servers may be located outside Quebec (including in the United States). Prior to transferring any personal information outside of Quebec, we perform a Privacy Impact Assessment (PIA) to ensure your personal information receives a level of protection equivalent to standards applicable under Quebec and Canadian law.

Children

We do not intentionally collect information from persons under the age of 18 or 19 depending on the province.

Data Retention and Destruction

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or in compliance with statutory requirements applicable to collection agencies (including but not limited to provincial debt collection regulations).

When personal information is no longer required, it is securely destroyed or anonymized for legitimate analytical purposes in accordance with industry security standards.

Your Privacy Rights (Quebec and Canada)

Subject to applicable legal limits, you hold the following rights regarding your personal information:

Right to Access and Rectification: You may request access to the personal information we hold about you and request corrections if it is inaccurate or incomplete.
Right to Withdraw Consent: You may withdraw your consent to use or disclose of your personal information at any time.
Right to Data Portability (Quebec): You have the right to receive computerized personal information you provided us with in a structured, commonly used technological format.
Right to Erasure (Quebec): You can request the deletion of your personal information once the purpose for which it was collected has been fulfilled, subject to our statutory record retention obligations.
Opting Out: To unsubscribe from electronic messages, email us at optout@phillips-cohen.com. Your request will be processed within 72 hours.

Security and Incident Notifications

We take careful measures to prevent the loss, misuse, and alteration of your information. We use the TLS 1.3 version of the Transport Layer Security protocol, a technology that encrypts internet traffic to keep data safe between a user and a website. The information collected is stored on a secure server network, protected by firewalls and other security measures. We only provide access to your personal information to Phillips & Cohen Associates (Canada) Ltd employees and representatives that require them to carry out their functions. Our current policy is to permanently maintain information. If you request that we delete your information, we may ask you to verify your identity and provide for the request in writing. We will respond to your written request within ten (10) business days. There may be business reasons why we would not agree to delete your information and we will communicate that to you if we are unable to comply with your written request.

In the event of a dispute, we will agree to binding arbitration with the American Arbitration Association or the Canadian Arbitration Association. We will make the selection of Arbitrator. To file a request for arbitration, contact the American Arbitration Association at http://www.adr.org or the Canadian Arbitration Association at https://canadianarbitrationassociation.ca/.

In an event of a privacy incident involving your personal information that poses a risk of serious harm, we will notify you and the Commission d’accès à l’information du Québec (CAI) or the Office of the Privacy Commissioner of Canada (OPC) as required by law.

Updates to this Policy

If we make material changes to this policy, we will post a prominent notice on our website and update the “Last Update” date above. We encourage you to review this policy periodically.

How do I Contact Phillips & Cohen Associates (Canada), Ltd. Or the Person Responsible for the Protection of Personal Information

We have appointed a Designated Privacy Officer responsible for ensuring compliance with our legal obligations and responding to your inquiries or privacy rights requests.

You can contact Phillips & Cohen Associates (Canada), Ltd. regarding privacy matters via email to privacy@phillips-cohen.com or mail at

Phillips & Cohen Associates (Canada), Ltd.
c/o Jacques Bignoux (Privacy Officer)
16766 TransCanada Hwy
Suite #402
Kirkland, QC H9H 4M7

Toll-Free Phone: 888-215-3302

Alternative Support Email: support@phillips-cohen.ca

This is an attempt to collect a debt and any information obtained will be used for that purpose.