We value you as a client and we are committed to protecting the privacy, confidentiality, accuracy and security of your personal information that we collect, use, retain and disclose in our efforts to providing you with superior products and services.
This Personal Information Policy spells out the responsibility of Nour Private Wealth (“we”, “our”, “us”), and your rights as our applicant, client, former client or claimant (“you” or “your”), regarding the collection, use and disclosure of your personal information.
Nour Private Wealth understands that trust is an important factor in our relationship, and at Nour Private Wealth we take this very seriously. Protection of your privacy and the confidentiality of your personal information is a fundamental part of our responsibility toward you. Clients of Nour Private Wealth are entitled to a high degree of care in the handling of their confidential information through our policies and procedures as well as state-of-the-art equipment and computer security measures. We ensure that your privacy and the confidentiality of your information are protected. The personal information you provide to Nour Private Wealth (or which the firm collects with you consent) with respect to your account application will be protected and maintained in a client investment file with Nour Private Wealth. The key components of the firm’s policy are as follows:
Our privacy policy, which includes important definitions and details on how we use your information, is provided below and at www.Nour Private Wealth.ca.
The term “personal information” refers to any information that specifically identifies you, including information such as your home address, telephone numbers, social insurance number, date of birth, assets and/or income information, employment history and credit history.
Nour Private Wealth is responsible for your personal information in its possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented to us collecting, using and disclosing your personal information.
We collect, use, and disclose personal information to provide you with the investment products and services of Nour Private Wealth. Specifically, we collect, use and disclose your personal information to:
When produced, updated versions of this Personal Information Policy can be obtained from your account advisor, the compliance department or you can direct any queries about this policy to Nour Private Wealth, Privacy Officer at the telephone, e-mail address, or mailing address listed below. If you have a complaint related to the Personal Information Policy or any of our procedures, contact our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue, including amending our policy and practices, if necessary. If we are not able to resolve your concern, or if you have any other concerns about Nour Private Wealth Personal Information Policy and procedures, you may contact the office of the Privacy commissioner. Nour Private Wealth Privacy Officer will provide you with this contact information upon request.
For more information, to file a privacy complaint, to make inquiries or to opt out of all or parts of this Policy, please contact us at:
Nour Private Wealth Inc. 2845 Bristol Circle, Oakville, Ontario, L6H 6X5
Attention: Privacy Officer
Tel: 905.845.9090 Fax: 905.845.3115 Email: privacy@npw.ca
National Instrument 54-101 Communication with Beneficial Owners of Securities of a Reporting Issuer
Based on your instructions, the securities in your account with us are not registered in your name but rather in our name or the name of our carrying broker holding your securities on our behalf. The issuers of the securities in your account may not know the identity of the beneficial owner of these securities.
We are required under securities law to obtain your instructions concerning various matters relating to your holding of securities in your account.
SMS Consent and Terms Disclaimer
By providing your mobile number, you consent to receive text messages from NPW. Message frequency may vary. Standard message and data rates may apply. You may opt out at any time by replying STOP or request assistance by replying HELP. Delivery of messages may depend on your mobile carrier. NPW will not share your mobile number with unaffiliated third parties for their marketing purposes.
You acknowledge that by visiting, accessing and or using this web site that you agree to be bound by the terms and conditions of its use.
This web site shall be governed by the laws of the Province of Ontario and the Country of Canada and you voluntarily agree to submit to the jurisdiction over you by the courts of the Province of Ontario or any Federal court of Canada.
The information on this website does not constitute the official version of our disclosure documents and may not always be current. The website and access to it is provided strictly on an “as is” and “as available” basis without any warranties of any kind. The information contained in this web site is collected from sources believed to be reliable, but the accuracy and completeness of the information is not guaranteed.
In no event will Nour Private Wealth Inc. assume any responsibility or liability for the accuracy or losses caused by the use or misuse of this website or reliance on the information or content therein, including direct, indirect, special incidental, consequential, exemplary or punitive.
The information in this web site is intended for use by persons who residents in the jurisdictions where Nour Private Wealth Inc. is registered. Currently we are registered in the following Provinces in Canada, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Quebec, Prince Edward Island and Saskatchewan. We are members of the Canadian Investor Protection Fund (CIPF) and the Investment Industry Organization of Canada (IIROC).
Unless otherwise noted Nour Private Wealth Inc. is either the owner or licensed user of the copyrighted material on this website. The Nour Private Wealth Inc’s name, logo, brand names and all other trademarks, are the property of, or licensed to, Nour Private Wealth Inc. and unauthorized use is strictly prohibited.
The information offered on this web site is not intended to provide any specific wealth planning, tax, legal or accounting advice. The information offered on this web site is not to be considered an offer to buy, sell or a solicitation of any kind to buy or sell any security, derivate or any other investment product or service.
Without the use of secure encryption this web site is not a secure medium for electronic communications. Confidential use of this web site cannot be guaranteed. You there for acknowledge that any confidential information transmitted by a user utilizing this medium may be read and / or copied by unauthorized individuals. Nour Private Wealth Inc. assumes no responsibility or liability for any harm that may occur in connection with any breach or hack that may compromise personal information transmitted through this web site. Be advised that trading instructions should not be communicated via email and if any such instructions are received they will not be acted on. Insurance Services are provided in Ontario through Nour Insurance Services Inc. not Nour Private Wealth Inc. The sale of Insurance products by your advisor is based on that advisors Insurance registration through the Financial Services Commission of Ontario.
Nour Private Wealth Inc. reserves the right to use cookies on this website. Cookies are small harmless data file that web sites can write to your hard drive when you visit them. A cookie can include a user ID that the site uses to track the pages you visit. Cookies may also be used to enhance your experience on the web site, to determine user traffic patterns and for other purposes. Cookies can be removed from your browser at any time by accessing the Safety tab on your web browser screen and deleting your browser history.
It is the user’s responsibility to take all necessary precautions to scan for viruses and other malware. All internet email messages and their attachment received and sent through the facilities of this website and the computers used by all employee, agents and advisors are subject to review by supervisory personnel. Such communications are retained, and we may be required to produce them to our regulatory authorities. All products and services provided by Nour Private Wealth Inc. are subject to the terms and conditions of the applicable agreements governing their use.
The Accessibility for Ontarians with Disabilities Act (AODA) is a law that sets out a process for developing and enforcing accessibility standards. Recognizing the history of discrimination against persons with disabilities in Ontario, the purpose of this Act is to benefit all Ontarians by developing, implementing and enforcing accessibility standards to achieve accessibility for Ontarians with disabilities with respect to goods, services, facilities, accommodation, employment, buildings, structures and premises on or before January 1, 2025. To achieve accessibility, the AODA establishes five standards that recognize five areas of daily life:
The Design of public spaces standard Together, these standards work towards making Ontario more accessible by ensuring people with disabilities can participate more actively in their communities Nour Private Wealth Inc. is committed to providing to our clients the highest standard of service possible.
Nour Private Wealth commitment is;
To provide our goods and services in a manner that respects the dignity and independence of persons with disabilities;
*In situations where confidential or personal information might be discussed, consent will be obtained from the client regarding the sharing of this information with the support individual.
Actual, potential, and perceived conflicts of interest may exist in any interaction you have with an individual or organization. Our relationship with you is no different.
Nour Private Wealth Inc. (“NPW”) is what is referred to as a “retail” investment firm (or a retail investment dealer) since we provide mostly a range of retail client services and products. We recognize that, by definition, we are more susceptible to conflicts of interest than many other business activities since we may, for example, represent both sides to a transaction, namely, the buyer and the seller. There are generally three types of conflicts that can arise:
As an investment dealer, we are a financial intermediary. As is the common practice in the brokerage industry, sometimes we may be the party on the other side of the transaction (referred to as a “principal” trade) where we own the security we sell to you. On other occasions, we simply facilitate a transaction between you as our client and a third party on the other side of the transaction through an “agency” trade where we have no ownership interest in the security traded. In still other cases, an Advisor may be trading for another Nour Private Wealth client where that client may be on the opposite side of your buy or sell transaction.
In general, we deal with and manage relevant conflicts through:
Avoidance: This includes avoiding conflicts that are prohibited by law, as well as conflicts that cannot effectively be addressed.
Control: We manage acceptable conflicts through means such as physically separating different business functions and restricting the internal exchange of information.
Disclosure: By providing you with information about conflicts, you are able to assess independently, their significance when evaluating our recommendations and any actions we take. Disclosure is provided at account-opening, before or at the time they recommend the transaction or provide the service that gives rise to the conflict, or in a timely manner if they are identified later, to give you reasonable time to assess the conflict. An advisor cannot satisfy his/her obligations to identify and address material conflicts of interest solely by providing disclosure to you. All material conflicts of interest must be promptly reported to Nour Private Wealth by the advisor, and it must be addressed in the client’s best interest. When providing disclosure, the conflict will be prominent, specific, clear, and meaningful, and it will be explained how the conflict could affect the service being offered.
The following information is intended to assist you in understanding and assessing material potential and actual conflicts of interest, including how we address them. However, this is an overview of a complex subject and is not meant to be an all-inclusive list of conflicts of interest.
If you ever have any questions or concerns, whether they involve conflicts of interest or anything else, you should never hesitate to say so, and you should ask your Advisor for an explanation as well as for more information.
We earn compensation by selling products and services to you for which you pay us.
We will inform you of fees, commissions, and other compensation in advance so that you know what you will be paying.
Depending on the product or account type you choose, we may offer a variety of pricing options to choose from.
Different products and services have differing levels of compensation.
Our compensation is disclosed to you and we offer pricing alternatives intended to reduce the conflicts associated with commission-based pricing.
We are required by industry regulations and firm policy only to make “suitable” investment recommendations.
We may choose not to offer a complex product that carries a high commission.
We may receive compensation from securities issuers and other third parties based on their products we sell to you. For example: “trailer fees” on mutual funds or “finder’s fees” on private placements.
We disclose to you the situations and type of third-party compensation we may receive.
Securities regulations require issuers to provide specific disclosure in the offering document (e.g., fund fact sheet) of such arrangements and the compensation we will receive.
We are compensated in other ways as a result of the business you may do with us, including interest spreads on un-invested cash deposits with us and foreign exchange spreads when you convert currencies.
Various forms of other compensation we may receive are disclosed to you.
We may sell you securities which we own (called principal trades) and profit by doing so.
We will tell you whether we acted as principal or agent for each transaction on the trade confirmation.
We may sell you securities of companies that are related or connected to us. Currently, there are no related or connected companies.
We are required by regulation to disclose this when we make a recommendation to you.
All of our related parties would be disclosed on our website.
We would inform you whether a transaction involved a related or connected security on the trade confirmation.
Our advisors receive the same commission compensation payout as a percentage of gross revenue or per share basis regardless of the product originator.
We may need to select which clients will be offered certain securities if availability is limited.
We have a “fair allocation” policy for managed accounts.
If we were to provide investment research on securities of companies that may have other business relationships with us.
We will provide full disclosure of any conflicts of interest in all research reports disseminated.
Our research and recommendations would be subject to extensive and detailed regulatory requirements and internal standards.
We do not engage in trading of securities for our own account (called proprietary trading).
If we start, we will maintain information barriers between our corporate trading activities and retail advisory business.
Firm and employee trades are identified as such and client trades are given priority to firm and employee trades in accordance with industry “client priority” regulations.
We may permit certain individuals who are registered with us (including your investment advisor) to be employed by, participate in, or accept compensation from other persons or firms, outside the scope of his/her relationship with us.
We have adopted internal policies and procedures that supplement the regulatory requirements. Such arrangements are reviewed for potential conflicts of interest.
Canada has comprehensive and extensive securities regulatory rules and regulations, many of which are directed at protecting client and investor interests, including dealing with conflicts of interest. For more information on how Canadian securities regulations address conflicts of interest in order to safeguard the investing public, we suggest that you refer to the websites and publications of the provincial securities commissions (which are available through the Canadian Securities Administrators (CSA)) at www.securitiesadministrators.ca and the Canadian Investment Regulatory Organization (CIRO) at www.ciro.ca. This Policy is posted on our website at www.npw.ca.
