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Privacy Statement
 

Celesta Financial is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Celesta Financial Web site and governs data collection and usage. By using the Celesta Financial website, you consent to the data practices described in this statement.

Collection of your Personal Information

Celesta Financial collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Celesta Financial also collects anonymous demographic information, which is not unique to you, such as your Postal code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Celesta Financial. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Celesta Financial for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Celesta Financial Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Celesta Financial public message boards, this information may be collected and used by others. Note: Celesta Financial does not read any of your private online communications.

Celesta Financial encourages you to review the privacy statements of Web sites you choose to link to from Celesta Financial so that you can understand how those Web sites collect, use and share your information. Celesta Financial is not responsible for the privacy statements or other content on Web sites outside of the Celesta Financial and Celesta Financial family of Web sites.

Use of your Personal Information

Celesta Financial collects and uses your personal information to operate the Celesta Financial Web site and deliver the services you have requested. Celesta Financial also uses your personally identifiable information to inform you of other products or services available from Celesta Financial and its affiliates. Celesta Financial may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Celesta Financial does not sell, rent or lease its customer lists to third parties. Celesta Financial may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Celesta Financial may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Celesta Financial, and they are required to maintain the confidentiality of your information.

Celesta Financial does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Celesta Financial keeps track of the Web sites and pages our customers visit within Celesta Financial, in order to determine what Celesta Financial services are the most popular. This data is used to deliver customized content and advertising within Celesta Financial to customers whose behavior indicates that they are interested in a particular subject area.

Celesta Financial Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Celesta Financial or the site; (b) protect and defend the rights or property of Celesta Financial; and, (c) act under exigent circumstances to protect the personal safety of users of Celesta Financial, or the public.

Use of Cookies

The Celesta Financial Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Celesta Financial pages, or register with Celesta Financial site or services, a cookie helps Celesta Financial to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Celesta Financial Web site, the information you previously provided can be retrieved, so you can easily use the Celesta Financial features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Celesta Financial services or Web sites you visit.

Security of your Personal Information

Celesta Financial secures your personal information from unauthorized access, use or disclosure. Celesta Financial secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure.

Changes to this Statement

Celesta Financial will occasionally update this Statement of Privacy to reflect company and customer feedback. Celesta Financial encourages you to periodically review this Statement to be informed of how Celesta Financial is protecting your information.

Contact Information

Celesta Financial welcomes your comments regarding this Statement of Privacy. If you believe that Celesta Financial has not adhered to this Statement, please contact Celesta Financial at admin@celestafinancial.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

   
1.00% Tax Free Savings Account (TFSA)
1.00% Registered Retirement Savings Account (RRSP)
1.00% Savings Account
 -  Not locked-in; funds in all three accounts are accessible at all times.
 -  No minimum balance required.
 -  Interest is calculated on the closing daily balance and paid monthly.
2.15% GIC 5 year
 -  Minimum deposit for GIC is $2500.
 -  All deposits are insured by Canada Deposit Insurance Corporation (CDIC).
Current rates at Manulife Bank
Our mobile financial representatives at Celesta Financial Inc. can meet with you in our office or in the comfort of your home or office to open your account.