What services does North Harbor Financial provide through its consulting work?

North Harbor Financial typically offers financial consulting that helps clients assess their current situation, organize priorities, and plan next steps with more clarity. The work can include reviewing cash flow, budgeting, debt strategy, savings goals, and broader financial planning so the recommendations fit the client’s needs in Canada.

What is usually included in a financial consulting engagement?

An engagement usually starts with a review of the information the client shares, followed by a conversation about goals, concerns, and the scope of support needed. From there, North Harbor Financial may provide a practical action plan, written recommendations, and follow-up guidance so the client knows what to do next and what falls outside the agreed scope.

How does North Harbor Financial determine pricing for consulting work?

Pricing is usually based on the scope of the engagement, the complexity of the financial questions involved, and the amount of analysis or preparation required. If the work calls for specialized review, multiple meetings, or coordination with other professionals, that can affect the final quote.

What fees or costs should I expect when requesting a quote?

We typically outline fees in a clear proposal before any work begins, so you can see what is included and what may be billed separately. Costs can change depending on the size of the project, the speed of delivery, and whether the consulting request is one-time or ongoing.

How can I contact North Harbor Financial to get started?

You can reach out by phone, email, or the contact form on our website to share a few details about what you need. A member of the consulting team will usually reply with the next steps and let you know what information to have ready for an initial conversation.

Privacy Policy

1. Introduction and Company Information

This Privacy Policy explains how North Harbor Financial Consulting collects, uses, discloses, stores, and protects personal information in connection with its financial consulting services, website, communications, and related business activities. We are committed to handling personal information in a manner that complies with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, relevant provincial privacy legislation.

North Harbor Financial Consulting operates as a financial services business and recognizes the sensitivity of the personal and financial information entrusted to us.

Business Name: North Harbor Financial Consulting
Address: North Harbor Financial, 1455 W 8th Avenue, Suite 210, Vancouver, BC V6H 1C9, Canada
Email: [email protected]
Phone: +1 (604) 782-4691

2. Data Collection and Processing

We may collect personal information directly from you, from your authorized representatives, from service providers, and from other sources where permitted by law. Depending on the services requested, the information we collect may include:

Identification details such as your name, date of birth, and contact information;
Government-issued identification details, where required for verification or compliance purposes;
Financial information such as income, assets, liabilities, account information, investment preferences, and tax-related information;
Employment and business information;
Information related to financial goals, risk tolerance, and suitability assessments;
Communications with us, including emails, telephone calls, meeting notes, and service inquiries;
Technical information collected through our website or digital tools, such as device type, browser information, IP address, and usage data;
Any other information you choose to provide to us in connection with our services.

We limit collection to what is necessary for identified purposes and use fair and lawful means to process personal information.

3. Purpose of Data Processing

North Harbor Financial Consulting processes personal information for purposes that include:

Providing financial consulting and related professional services;
Assessing client needs, objectives, suitability, and risk profile;
Verifying identity and complying with know-your-client, anti-money laundering, tax, and other legal obligations;
Communicating with clients, prospective clients, and authorized third parties;
Preparing reports, recommendations, documents, and administrative records;
Managing billing, payments, and account administration;
Maintaining business records and internal operations;
Improving our services, website, systems, and client experience;
Detecting, preventing, and investigating fraud, unauthorized access, or other unlawful activity;
Meeting regulatory, audit, professional, and legal requirements.

4. Legal Basis for Processing

In Canada, our ability to collect, use, and disclose personal information generally depends on consent, legal obligations, contractual necessity, or other lawful bases recognized under applicable privacy laws. We may process personal information where:

You have given express or implied consent;
The processing is necessary to provide requested financial consulting services or to take steps at your request before entering into a service relationship;
The processing is required or authorized by law;
The processing is necessary to comply with regulatory, accounting, tax, or record-keeping obligations;
The processing is necessary for purposes that a reasonable person would consider appropriate in the circumstances, including fraud prevention, system security, or business administration, where permitted by law.

Where consent is required, you may withdraw it subject to legal, contractual, and operational limitations.

5. Data Sharing and Third Parties

We do not sell personal information. We may share personal information in the following circumstances:

Service providers: with vendors, consultants, IT support providers, cloud hosting providers, payment processors, document management providers, analytics providers, and other professional service providers who assist our operations;
Financial institutions and counterparties: where necessary to facilitate services, account-related actions, or transactions requested by you;
Regulators and authorities: where required by law, subpoena, court order, or lawful request, or to comply with regulatory obligations;
Professional advisers: including auditors, lawyers, accountants, and insurers;
Business transactions: in connection with a merger, reorganization, financing, acquisition, or sale of all or part of our business, subject to appropriate protections.

We require third parties receiving personal information to safeguard it and use it only for authorized purposes, subject to contractual and legal obligations.

6. Data Transfer to Third Countries

Your personal information may be stored or processed outside Canada, including in jurisdictions where privacy laws may differ from those in Canada. This may occur when our service providers or infrastructure providers are located in other countries. Where personal information is transferred across borders, we take reasonable steps to ensure it is protected by appropriate contractual, technical, and organizational safeguards. However, personal information may be accessible to courts, law enforcement, or regulatory authorities in those jurisdictions under applicable foreign laws.

7. Storage Duration

We retain personal information only as long as necessary for the purposes for which it was collected, or as required by law, regulation, professional standards, or legitimate business needs. Retention periods may vary depending on the type of information and the services provided. In general, we may retain:

Client records for the duration of the relationship and for a reasonable period thereafter;
Financial, tax, accounting, and compliance records for periods required by law or regulation;
Communications and administrative records for business continuity and dispute resolution purposes.

When personal information is no longer required, we securely delete, destroy, or anonymize it in accordance with our retention and destruction practices.

8. User Rights

Subject to applicable legal restrictions, you may have the following rights regarding your personal information:

Access: request access to the personal information we hold about you and information about how it is used and disclosed;
Rectification: request correction of inaccurate, incomplete, or outdated information;
Erasure: request deletion of personal information in certain circumstances, subject to legal retention obligations;
Restriction: request that we restrict certain processing in limited circumstances;
Data portability: request a copy of certain personal information in a structured, commonly used format where applicable;
Objection: object to certain processing based on your particular situation, where permitted by law.

To exercise any of these rights, please contact us using the details below. We may need to verify your identity before responding. We will respond within the time required by applicable law.

9. Withdrawal of Consent

Where our processing is based on your consent, you may withdraw that consent at any time by contacting us. Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal. Please note that withdrawing consent may limit our ability to provide certain services, comply with legal obligations, or maintain an ongoing business relationship.

10. Right to Complain

If you have concerns about our handling of personal information, you may contact us first so that we can address your concern promptly. You may also have the right to file a complaint with the Office of the Privacy Commissioner of Canada or, where applicable, the relevant provincial privacy authority.

We encourage you to contact us before escalating any complaint so we can work to resolve the issue efficiently.

11. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. These safeguards may include:

Access controls and authentication measures;
Encryption where appropriate;
Secure storage and transmission practices;
Employee confidentiality obligations and privacy training;
Monitoring and logging of certain system activity;
Regular review of security practices and vendor protections.

Although we strive to protect personal information, no method of transmission or storage is completely secure. We cannot guarantee absolute security.

12. Contact Information

If you have questions about this Privacy Policy, our privacy practices, or wish to make a request regarding your personal information, please contact:

North Harbor Financial Consulting
North Harbor Financial, 1455 W 8th Avenue, Suite 210, Vancouver, BC V6H 1C9, Canada
Email: [email protected]
Phone: +1 (604) 782-4691

13. Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, regulatory guidance, or operational needs. Any changes will become effective when posted on our website or otherwise communicated to you, unless a different effective date is stated. We encourage you to review this Privacy Policy periodically to stay informed about how North Harbor Financial Consulting protects personal information.

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