Disclaimer and legal notice
General Information

Phillips & Cohen Associates (CANADA), Ltd. respects the privacy of visitors to our online site. Any personal information gathered on this site will be kept strictly confidential and will only be used in ways for which you have specifically consented. We will never sell or rent any personal information collected from you to any third party. We will take special care to protect the privacy and security of your information.

Phillips & Cohen Associates (CANADA), Ltd. does not currently take payments through this website.  All personal information gathered on this website is in accordance withThe Personal Information Protection and Electronic Documents Act (PIPEDA) and this Privacy Policy. This policy came into effect on May 1, 2010. It may be updated from time to time.

On April 9, 2019, the Office of the Privacy Commissioner of Canada launched the Consultation on transborder dataflows.In accordance with that consultation, our commitment to protect personal privacy, Phillips &Cohen adheres to the principles of the Safe Harbor Framework as developed by the U.S. Department of Commerce in consultation with the European Commission. The seven principles and fifteen Frequently Asked Questions (FAQs) referred to in this policy constitute the Safe Harbor privacy framework. These principles and FAQs may be found at: http://www.export.gov/safeharbor. Additionally, as the Canadian legislation states: “Today’s globally interdependent economy relies on international flows of information. These cross-border transfers do raise some legitimate concerns about where personal information is going as well as what happens to it while in transit and after it arrives at some foreign destination. Consumer confidence will be enhanced, and trust will be fostered, if consumers know that transfers of their personal information are governed by clear and transparent rules.” https://www.priv.gc.ca/en/privacy-topics/personal-information-transferred-across-borders/gl_dab_090127/

Privacy Contact Information

You can contact Phillips & Cohen Associates (CANADA), Ltd. regarding privacy matters via email to [email protected] or mail at

Phillips & Cohen Associates (CANADA), Ltd. Privacy Officer
Phillips & Cohen Associates
(Canada) LTD.

Quebec Office
16766 Transcanada Hwy
Suite #402
Kirkland, Qc H9H 4M7

phone: 866.272.3003

email: [email protected]


Collection and Use of Personal Information

Phillips & Cohen Associates (CANADA), Ltd.  will only collect personal data, such as your name, address, telephone number, or e-mail address, when it is voluntarily submitted to us.. This information will be collected through an online form or when you contact Phillips & Cohen Associates (CANADA), Ltd.  regarding any other matter.

We may pass on to our client, who was your original credit lender, personal information that you voluntarily gave to us. No other third parties, either on our behalf or for themselves, will collect any Personally Identified Information through this website.

If you wish to opt out of using our service, you should email [email protected] and we will remove you from any future marketing emails within 72 hours.

Tracking Technologies

Non-Personal Information
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 data in our collection efforts.

Our website uses a technology called “cookies”. A cookie is a token that a server gives to your browser when you access a website. Cookies are capable of storing many types of data. Cookies help provide additional functionality to the site or to help us analyze site usage more accurately. For instance, our server may set a cookie that keeps you from having to enter a password more than once during a visit to one of our sites. In all cases in which cookies are used, the cookie will not collect personally identifiable information except with your explicit permission. We do not, however, use cookies to track the navigational habits of identified visitors.

Change of Privacy Policy
If we are going to use your personal information in a manner different from that stated at the time of collection through this website, we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already collected through our site, we will post a prominent notice on our website notifying users of the change.

Access to Your Information
If you would like us to delete any information we have about you, we shall unless it is a requirement of our client who was your original credit grantor or a party who has succeeded in interest to your original credit grantor.We are also required to maintain information due to provincial or territorial laws/regulations and we will follow those laws.  We will respond to your request to access, update or delete your information within ten (10) business days. Before we are able to provide you with any information, correct any inaccuracies or delete any information, however, we may ask you to verify your identity.

We take careful measures to prevent the loss, misuse, and alteration of your information. We use Secure Sockets Layer (SSL) technology supporting 128-bit encryption.  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’ employees. 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 arbitratiorat  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/..

Disclosure of Information

All personal information gathered can be disclosed to judicial or other government agencies subject to warrants, subpoenas or other governmental orders.

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 Court Order.


We do not intentionally collect information from persons under the age of 18.

Third Party Links and Advertisement

As a convenience to our visitors, Phillips & Cohen Associates (CANADA), Ltd. websites may contain links to a number of sites that we believe may offer useful information. The privacy policies and procedures described here do not apply to those sites. We suggest contacting those sites directly for information on their data collection and distribution policies.

We do not use third party advertising companies to provide advertisements or allow third party advertisers to track your browsing.

Contact Phillips & Cohen Associates (CANADA), Ltd.

Phillips & Cohen Associates (CANADA), Ltd.
16766 Transcanada Hwy
Suite #402
Kirkland, Qc H9H 4M7

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

Terms and Conditions

The following terms and conditions (“Terms and Conditions”) govern your use of the World Wide Web Site located at www.phillips-cohen.ca(this “website”). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.

This website has been prepared solely for the purpose of providing information about Phillips & Cohen Associates (CANADA), Ltd., hereinafter referred to as “PCA” and the products and services offered by the company and its operating subsidiaries and affiliates. Without limiting the generality of anything else, PCA makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions in the website. PCA reserves the right to add, modify or delete any information on this website at any time, with or without notice.

Copyright and Other Proprietary Information:

Website text, graphics, design, selection and arrangement copyright ©2017 Phillips & Cohen Associates, Ltd., (PCA) and or Phillips & Cohen Associates (CANADA)  All rights reserved. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission PCA is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to PCA or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

PCA welcomes your feedback and suggestions about how to improve our products, information, and services and this website. By transmitting any suggestions, information, data, material, or other content (collectively, “Submissions”) to PCA, you automatically grant PCA the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, PCA is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information. 

Disclaimers; Disclaimers Regarding Other Servers and Web Sites:

This website, the website materials on and in and made available through this website, and the services, information, and products offered by PCA and its operating subsidiaries and affiliates in connection therewith are made available “as is” and “with all faults.” Use of this website is entirely at your own risk.

PCA makes no representations or warranties, and disclaims all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.

PCA shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will PCA extend liability to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this website. Use this website at your own risk.

Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of PCA. Accordingly, PCA can make no representation concerning the content of these sites to you, nor can the fact that PCA has given you this listing serve as an endorsement by PCA of any of these sites. PCA is providing links to these sites as a convenience to you. PCA has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and PCA cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. PCA is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.

Privacy Statement:

PCA has a Privacy Notice setting out PCA’s online information gathering and dissemination practices with respect to the website. The Privacy Notice is incorporated into these Terms and Conditions by reference, as if set forth fully herein.

Governing Law and Jurisdiction:

These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and PCA with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the Province of Quebec or the laws of the State o fDelaware as applicable, without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.


By accessing, viewing, or using the works, content, or materials on this website, you consent to the exclusive jurisdiction of the federal and state courts presiding in Wilmington, Delaware, and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is controlled and operated by PCA from its offices within the United States. Without limiting anything else, PCA makes no representation that the works, content, materials, services, information, or products available on, in, or through the website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access this website from other locations do so on their own volition and are responsible for compliance with applicable laws. The waiver or failure of PCA to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. Headings used in these Terms and Conditions, including, without limitation, the Privacy Notice, are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). The waiver or failure of PCA to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. PCA reserves the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason whatever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.