Canadian Recovery& Enforcement
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Commercial recovery documents transferred through a privacy-conscious secure intake process

Privacy and File Handling

Privacy-conscious commercial recovery file transfer: minimize before you share

A stronger commercial file is not the file with the most data. It is the file that contains the relevant record, is shared through an appropriate secure route, and respects the boundaries around personal and commercially sensitive information.

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File ReadinessPublished August 18, 2026

Share the commercial record that supports the review

The usual starting set is the agreement or credit application, invoices, statements, delivery or completion evidence, payment history, material communications, entity information, authority record, dispute information, and a concise chronology. The scope should match the stated review purpose rather than becoming an uncontrolled data transfer.

Exclude information the review does not need

Do not send payment-card numbers, banking credentials, online-banking passwords, social insurance numbers, health records, government account passwords, or unrelated personal information through a public form. Mark particularly sensitive documents and preserve originals in the creditor’s own controlled systems.

Use authorized and secure handling

Confirm that the creditor is authorized to share the information and use the CRE’s secure intake route for the records needed for fit review. Privacy obligations vary by organization, province, purpose, and facts; this article is general information, not a compliance determination.

Document the transfer decision

Record what was shared, why it was relevant, any restrictions, and what remains with the creditor. Data minimization improves operational clarity and supports a more credible file review without implying that a privacy-conscious transfer guarantees acceptance or recovery.

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Confidential fit review

Bring the file that standard workflows could not move.

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