Privacy Policy

At Vered Wealth Management (Canada) Company Limited, maintaining your privacy and your personal information within a safe and secure environment is very important to us. Personal information is any information that can be used to identify you as an individual, including your name, age, address, financial details and any other identifying information that you choose to provide. Personal information does not include so-called “business card information” such as your business telephone number and address in your capacity as an employee of an organization. We are committed to providing a quality service in a manner that fosters trust and confidence between Vered Wealth Management (Canada) Company Limited and our clients. We limit the collection, use and disclosure of personal information to data that will enable us to provide our products and services and to meet regulatory requirements. We do not sell or distribute any client information to any third parties for the purpose of marketing or soliciting any products or services. To formalize our conduct governing the collection, use and disclosure of our clients’ personal information, we have adopted the following Privacy Principles (the “Principles”) that will enable us to comply with the legislation passed by both the provincial and federal governments.


Most of the information that we collect about you comes directly from you, from the applications, agreements, or forms you complete to take advantage of our services and products. In addition, we maintain records of our transactions and holdings with us.

When we collect information from you, we will explain what information we collect, how we intend to use it, and advise clients of third parties to whom it will be disclosed.

Collecting Information

Most of the information that we collect about you comes directly from you, from the applications, agreements, or forms you complete to take advantage of our services and products. In addition, we maintain records of our transactions and holdings with us.

When we collect information from you, we will explain what information we collect, how we intend to use it, and advise clients of third parties to whom it will be disclosed.

Information We Collect from You

Depending on the business relationship’s nature, we obtain certain information from you to meet business, legal, and regulatory requirements. In all cases, we collect only personal financial information necessary to provide personalized financial services to you.

We ask for a variety of information when you open an account with us. Securities industry regulations demand that we obtain information about you to provide the proper level of services to you on the information you provided to us. For example, we may use your date of birth to identify you or determine your eligibility for products or services (time horizon), which may benefit a certain age group. We are required to obtain your Social Insurance Number (“SIN”) and comply with the legislation regarding its use. SIN numbers are provided to the Canada RevenueAgency in accordance with the CRA reporting requirements.

This consent may not be withdrawn as it relates to the operation of your accounts.

Disclosing Information

Information Disclose to China Vered Financial Holdings and a group of companies

Only with your consent, we may share your information with China Vered Financial Holdings and other affiliated companies to help us serve you better by identifying related products and services that may be of use to you. Sharing information within the China Vered Financial Holdings and group of companies will also help us ensure that the information we have on file for you is complete and up-to-date. Your consent to us providing informationto China Vered Financial Holdings and a group of companies to provide information to you about related products and services is optional. You may withdraw it at any time.

Information Disclosed to Third Parties

We may provide your information to other parties in situations:

  • Where we have your consent;
  • Where the other parties are our suppliers or business partners who provide services to your accounts; and
  • Where we are required to do so by

With your consent, we may obtain information about you from third parties such as credit agencies. This information helps us assess your eligibility for certain products and services. Please remember that we may not extend certain account privileges to you if you do not provide consent for this, such as margin loans.

We will, as necessary, use various services from non-affiliated third parties. We use this external service provides to support the financial products and services that we provide to you. For example, VWMC is in a type 2 brokerage agreement with Raymond James Correspondences Services. Raymond James is responsible for all the back-office supports and services to us. These third-party providers’ ability to protect our clients’ personal information is an important consideration in our relationship with them.

Non-affiliated third parties are prohibited from using information about you except for the narrow purpose we disclose to them. The recipient non-affiliate third parties of that information must protect the confidentiality andsecurity of that information and may not reuse it for any other purpose.

We may also disclose information to government agencies and regulations when permitted or required by law.

For certain purposes, we are not required to obtain your consent to disclose your personal information. For example, service providers that we hire to do things like processing your trades and sending month-end statements to you will have access to certain account information including your name and address, to perform their functions. However, all such third-party service providers are required to sign agreements to help ensure that they will protect the confidentiality of your information. Other situations in which we may disclose your information without consent include:

  • To regulatory bodies within the investment industry;
  • To government agencies or law enforcement agencies;
  • When we receive a valid Court Order or Search Warrant; and

To outside sources to help us collect a debt owed to us by

Protecting Information

We will take appropriate steps to protect your information. We have thorough security standards in place to protectyour information against unauthorized access and use. If you access the accounts through our Account Online Service or subscribe to our e-Statement service, we use passwords that you alone should know. We retain your information only as long as we need it to service your accounts or as long as industry regulations and our legalobligations demand. Accordingly, we will retain your personal information on file after your accounts are closed. When we no longer need your information and are no longer required to keep it, we will delete electronic records and destroy physical records containing your information.

Security safeguards that are appropriate to the sensitivity of the information shall protect your personal information. Safeguards include, but are not necessarily limited to, limiting access to your information’s maximum physical storage, using User ID and password to access electronic records, and using encryption and other techniques to restrict internet access to your information. We restrict access to your personal information internally on a “need to know” basis and advise employees on our policies and procedures concerning your data, including the importance of protecting your privacy.

Accuracy of Information

Your personal information shall be as accurate, complete, and up-to-date as necessary for the purpose for which it is to be used.

Having accurate information about you will enable us to provide the best possible service. We expect that you willprovide updated information. If you detect any errors in the information that we have, please let us know immediately.

Online Services

Vered Wealth Management (Canada) Company Limited offers online services through our website. While we may keep records of which web pages you visit or download, we only do so for statistical purposes. We do not take or use any personal information during your visit to our website. When you send us an email, we learn your exact email address and any other information that you may have included in the email. While we may use your email address to reply to you, we do not make your email address known to anyone outside of the VWMC.

Only with your consent, we may retain your email address on the email list to advise products or services that may interest you. You may request us to remove the email address from the mailing list at any time.

We may also send the required information to you via email, such as Shareholder Communication Information, with your permission. Again, you may cancel this at any time.

Please keep in mind that information sent via email is generally unencrypted, so we would remind you not to send confidential information via email.


We will provide access to your information upon your request. We will take reasonable steps to ensure that yourpersonal information is accurate and complete and up-to-date. Most of your data is in the form of account documentation and transaction records. You will receive copies of any documents that you signed when you open an account with us. If you require further details about your personal information, you may contact us at any time. Although we will accommodate your requests, we may refuse access in certain circumstances prescribed by law. For example, where the information contains other persons’ personal information, where disclosure of client information would reveal our confidential commercial information or violate our legal privilege, or where we are otherwise required or permitted by law to refuse access.

Right to Withdraw Consent

By opening an account with us, you provide the express consent for us to collect, use, and disclose the personal information you have provided to us. However, you have the right to withdraw this consent at any time.

Please note that withdrawing consent is subject to legal and contractual restrictions. Your withdrawal of consent may mean that we will be unable to provide certain services to you or, in certain circumstances, may cause us by regulation, to be unable to administer your account.

Upon request, we will explain the consequences of withdrawing consent in more detail to you.

Addressing Your Concerns

You have the right to view your files and request correction of any inaccurate, incomplete, or outdated information. Vered Wealth Management (Canada) Company Limited will address and respond to your concerns about handling personal information. Our Privacy Officer is the Chief Compliance Officer. You may direct the concerns or inquiries to:

Vered Wealth Management (Canada) Company Limited

2500 – 1075 West Georgia Street

Vancouver BC V6E 3C9

Telephone: 1.604.245.8981

Email: [email protected]

Attention: Chief Compliance Officer

We may charge you a nominal fee for providing copies of your information.

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Marshal Liu 刘庚


刘庚在加拿大温莎大学获得国际会计和金融专业硕士学位。他拥有12年加拿大金融服务从业经验,先后获得保险经纪(MDRT 百万圆桌成员)、注册退休投资规划顾问、公募基金销售等资质和执照,近期又成功成为IIROC 持牌投资顾问。刘庚主要从事金融资产投资、财富管理及规划等。多年来,他利用自己的专业知识,成功帮助加拿大年轻的高净值专业人士和中国大陆新移民投资北美金融市场,实现财富保值增值和代际传承。他擅长深入理解客户需求,根据客户投资特点和目标提供长期财富增长、传承方案。业余时间里刘庚热爱生活,喜欢足球、健身和音乐。他是两个可爱孩子的父亲,正和他们一起携手在人生道路上追逐梦想。

温哥华 Vancouver

办公室 Office

Suite 2500 – 1075 West Georgia Street

Vancouver, BC V6E 3C9


Head Office

Suite 2500 – 1075 West Georgia Street

Vancouver, BC V6E 3C9

David Lu

Chief Executive Officer, Director

Investment Advisor

With more than two decades of experience in the financial industry, David believes the modern investment is primarily on scientific reasoning guided by tactical asset allocation and sophisticated risk management. David avoids short-term nosey and speculative trading. With this in mind, David helps his clients achieve a wealthy state of mind regardless of the market conditions. David offers sound advice and a unique perspective on investing and being opportunistic in today’s market. David advises clients on investing, personal finance, business, wealth transfer and philanthropic planning.

David likes to golf and ski in his leisure time.