Peak Scale Marketing Inc.

Privacy Policy

Effective Date: September 1, 2026

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This Privacy Policy describes how Peak Scale Marketing Inc. (“Peak Scale,” “we,” “us,” or “our”) collects, uses, discloses, and safeguards personal information when you visit https://peakscalemarketing.com (the “Site”), submit an inquiry, booking, or lead form on the Site or on a Peak Scale-operated advertising landing page, or otherwise interact with us, including through sales, marketing, or events. It replaces all prior versions of the Privacy Policy posted at peakscalemarketing.com.

If you do not agree with this Policy, please do not use our Services. If you have questions or concerns, contact us using the details in the “Contact Us” section below.

Important Notice Regarding Text Messaging Data

Peak Scale does not share the fact that a phone number opted in to receive SMS messages from us, or the associated consent record, with any affiliate or third party for marketing, promotional, or other purposes unrelated to providing the messaging service you opted into. This specific “text messaging originator opt-in data” is kept strictly confidential and is only shared with subcontractors who help us deliver the SMS messages themselves (for example, SMS gateway or aggregator providers). See “SMS Messaging & Compliance” below for the full SMS terms, and “Information Sharing & Disclosure” for how other information you submit — such as through a lead form — may be shared with business partners to fulfill your request.

Summary of Key Points

• What we collect: contact details, payment information, communications and opt-in records, technical/usage data, and — where relevant to a lead inquiry — information about the product or service you're asking about.
• Do we collect sensitive information? Only where you voluntarily provide it as part of a specific inquiry (for example, age or health-related information for a life insurance quote), and only to route that inquiry.
• Do we sell or share personal information? We do not sell, rent, or trade personal information to data brokers. We do share lead inquiry information with the specific business partner(s) able to fulfill the service you requested — see “Information Sharing & Disclosure.”
• How do we keep information safe? See “Data Security” below. No method of transmission or storage is ever 100% secure.
• What are your rights? You can access, correct, delete, or restrict use of your information, and withdraw consent at any time — see “Your Rights & Choices.”

1. Information We Collect

Personal Information

• Name, email address, phone number, and physical address.
• Payment information, when you make a purchase or request a quote directly from Peak Scale. Payment data is processed and stored by our payment processor (Stripe); see https://stripe.com/en-ca/privacy.
• Opt-in records and timestamps for all communication channels (SMS, email, etc.).
• Where you submit a lead inquiry in response to a Peak Scale advertising campaign (for example, for debt relief or life insurance offers), the specific information requested on that form — which may include information about your financial situation or, for insurance inquiries, information such as age, date of birth, or self-reported health information. We collect only what that form requests, and only with your consent to submit it.

Non-Personal Information

• IP address, browser type, and device information.
• Website usage patterns and analytics.
• Cookies and similar technologies.

Customer Communication

• Records of inquiries and service requests.
• Appointment details and preferences.
• Service history and feedback.

All personal information you provide must be true, complete, and accurate, and you must notify us of any changes.

2. How We Use Your Information

We use the information we collect to:

• Provide, deliver, and improve our services, including routing your lead inquiry to a suitable business partner.
• Process transactions and payments.
• Communicate with you about your inquiries, appointments, and — where you've separately consented — promotions.
• Respond to inquiries and offer support.
• Enhance website functionality and user experience, and evaluate the effectiveness of our campaigns.
• Ensure security and prevent fraud.
• Maintain records of your communication preferences and consent.
• Comply with applicable law.

Where we rely on your consent for a purpose — including sharing your lead information with a business partner, or sending marketing messages — you may withdraw that consent at any time; see “Your Rights & Choices” below.

3. Legal Bases for Processing (Canada)

If you are located in Canada, we process your information where you have given specific permission (express consent), or where your permission can reasonably be inferred (implied consent). You may withdraw consent at any time. In limited circumstances, applicable law permits us to process information without consent — for example, for fraud investigation and prevention, to comply with a subpoena or court order, in connection with a business transaction, or where the information is publicly available.

4. SMS Messaging & Compliance

By opting in to our SMS messaging program, you agree to receive text messages related to the service you engaged with — which may include appointment reminders, customer support, and account or service updates, and, only if you separately opt in, promotional messages.

Opt-In & Consent

• You will only receive messages if you have explicitly opted in.
• We maintain timestamped records of all opt-in actions.
• We aim to comply with Canada's Anti-Spam Legislation (CASL) and, for messages sent to U.S. numbers, the Telephone Consumer Protection Act (TCPA) and all other applicable laws.

Opt-Out Instructions

• You can cancel SMS notifications at any time by replying “STOP.”
• You will receive a final confirmation message, and no further messages will be sent unless you re-opt in.
• Opt-out requests are processed immediately.

Message Frequency & Content

• Message frequency varies based on your interactions with our business.
• Messages will be directly related to the services you have requested.
• We do not send promotional content to a number without specific, separate consent for that category of message.

Help & Support

Reply “HELP” for assistance, or contact us at [email protected] or (289) 514-5830 during business hours.

Carrier Information

• Standard message and data rates may apply.
• Carriers are not liable for delayed or undelivered messages.
• Our program is designed to work with major Canadian wireless carriers and, for messages sent to U.S. numbers, AT&T, Verizon, T-Mobile, Sprint, and most regional carriers.

SMS Data Protection Statement

Text messaging originator opt-in data and consent records are not shared with any third party for marketing or promotional purposes. This data may only be shared with subcontractors who support delivery of the messaging service itself (for example, SMS aggregators), solely for that purpose. This protection is specific to the SMS opt-in record itself and does not limit the sharing of other lead information described in Section 5 below.

5. Information Sharing & Disclosure

We do not sell, rent, or trade personal information to data brokers or for purposes unrelated to fulfilling the service you requested. We may share information as follows:

Lead Inquiries

A core part of our business is connecting people who respond to our advertising campaigns with third-party businesses that can provide the debt relief, life insurance, or related service requested. When you submit a lead form, the information you provide is shared with one or more pre-selected, vetted business partners for the purpose of contacting you about that service, and may be routed through third-party lead distribution platforms to partners in Canada, Australia, or other markets we serve. This may constitute a “sale” or “sharing” of personal information under certain privacy laws — see “U.S. State Privacy Rights” below for the applicable opt-out.

Service Providers

• Third-party vendors who assist in our operations (e.g., payment processing, appointment scheduling).
• SMS aggregators and providers, solely for the purpose of delivering messages you've consented to receive.
• All service providers are contractually obligated to maintain confidentiality and security.

Legal Compliance

• If required by law, legal process, or to protect our rights.
• In response to valid law enforcement requests or court orders.

Business Transfers

• In case of a merger, acquisition, financing, or sale of assets.
• In such cases, your data remains subject to the protections of this Policy (or a successor policy of which you will be notified).

Text messaging originator opt-in data and consent records are excluded from all of the above categories except SMS delivery aggregators/providers, consistent with Section 4.

6. Cookies & Tracking Technologies

We use cookies and similar technologies (such as web beacons and pixels) to analyze site traffic and user behavior, remember your preferences, improve website functionality, and measure the effectiveness of our services. We also permit service providers to use these technologies for analytics and advertising, including tailoring ads to your interests. We may share information with Google Analytics for this purpose; you can opt out at https://tools.google.com/dlpage/gaoptout or manage ad personalization at https://adssettings.google.com/. You may control cookies through your browser settings, though disabling them may limit certain website features.

7. How Long We Keep Your Information

We retain personal information only as long as necessary for the purposes described in this Policy, unless a longer period is required or permitted by law (for example, tax or accounting requirements). Where retention is no longer necessary, we delete or anonymize the information, or, where that isn't immediately possible, securely isolate it from further processing until deletion is possible.

8. Data Security

We implement and maintain reasonable security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest.
• Secure access controls and authentication mechanisms.
• Regular security assessments and updates.
• Employee training on data protection.
• Breach notification protocols in accordance with applicable laws.
• Secure backup systems and disaster recovery procedures.

Despite these measures, no method of transmission over the internet or electronic storage is 100% secure. We use commercially reasonable means to protect your information but cannot guarantee absolute security.

9. Children's Privacy

We do not knowingly collect or solicit personal information from, or market to, children under 18 years of age, nor do we knowingly sell such information. By using our Services, you represent that you are at least 18, or that you are the parent or guardian of a minor and consent to that minor's use of the Services. If we learn that personal information from someone under 18 has been collected, we will delete it and deactivate any associated account. If you believe a child under 18 has provided us with personal information, contact us at [email protected].

10. Your Rights & Choices

Depending on where you live, you have the right to:

• Access, correct, update, or delete your personal information.
• Restrict or object to certain processing, and, where applicable, receive your data in a portable format.
• Opt out of marketing emails by clicking “unsubscribe” in our emails.
• Opt out of SMS messages by replying “STOP.”
• Request information about how we process your data.
• Withdraw consent at any time for future processing, including future lead-sharing or marketing communications — this does not affect the lawfulness of processing carried out before withdrawal.
• Lodge a complaint with a supervisory authority if you believe your rights have been violated.

To exercise these rights, contact us using the information in “Contact Us” below.

11. Controls for Do-Not-Track Features

Most web browsers and some mobile platforms include a “Do Not Track” (DNT) signal. Because no uniform standard for recognizing DNT signals has been finalized, we do not currently respond to DNT signals or similar mechanisms.

12. U.S. State Privacy Rights

If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have rights under applicable state privacy law, including rights to know, access, correct, delete, and obtain a copy of your personal information, and to opt out of the sale or sharing of personal information or of certain profiling.

As described in Section 5, we may share lead inquiry information with business partners in a manner that could constitute a “sale” or “sharing” under certain state laws. You may opt out of this sharing by contacting us at [email protected]; doing so will limit our ability to connect you with a business partner in response to a lead inquiry.

Categories of Personal Information Collected (past 12 months)

• Identifiers (name, address, phone, email, IP address, online identifier) — Collected
• Personal information under the California Customer Records statute (name, contact information, and, where relevant to a lead inquiry, financial information) — Collected where relevant to the service requested
• Protected classification characteristics (e.g., age/date of birth, where relevant to an insurance inquiry) — Collected only where necessary for that inquiry
• Commercial information, biometric information, precise geolocation, professional/employment information, education information — Not collected
• Sensitive personal information (e.g., self-reported health information volunteered as part of an insurance inquiry) — Collected only where you voluntarily provide it, and used solely to route the inquiry

You may designate an authorized agent to exercise these rights on your behalf, subject to identity and authority verification. If we decline a request, you may appeal by emailing [email protected]; if your appeal is denied, you may contact your state attorney general. California residents may also request, once per year, information about categories of personal information disclosed to third parties for direct marketing purposes under California's “Shine the Light” law.

13. Other Regions

Australia and New Zealand

We collect and process personal information in accordance with Australia's Privacy Act 1988 and New Zealand's Privacy Act 2020. You may request access to or correction of your personal information using the contact details below. If you believe we have unlawfully processed your personal information, you may lodge a complaint with the Office of the Australian Information Commissioner (oaic.gov.au) or the Office of the New Zealand Privacy Commissioner (privacy.org.nz).

14. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies. This Privacy Policy applies only to information collected by Peak Scale Marketing Inc.

15. Changes to This Privacy Policy

We may update this Policy from time to time. The latest version will always be available on our website with a current effective date. For material changes, we will notify you by email or through a notice on our website.

16. Contact Us

If you have questions about this Privacy Policy or how your information is handled, or would like to review, update, or delete your personal information, contact us at:

Peak Scale Marketing Inc.
1201-270 Dufferin St, Toronto, Ontario M6K 0H8, Canada
Phone: (289) 514-5830
Email: [email protected]
Web: https://peakscalemarketing.com

By using our website and services, you consent to this Privacy Policy.