This Privacy Policy applies to JSK Overseas Inc. ("JSK", "we", "our", "us"), operating at www.jskoverseasinc.com, incorporated in Canada and servicing clients in Canada and the United States. This policy is effective as of January 1, 2026, and is subject to periodic review and update.

JSK Overseas Inc. hosted on WIX platform (https://www.wix.com/about/privacy), is committed to compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada, applicable provincial privacy legislation, and the privacy laws of the United States jurisdictions in which we operate, including applicable provisions of US state privacy frameworks.

1. Information We Collect

JSK Overseas Inc. collects personal information only for legitimate business purposes. The categories of personal information we may collect include:

Contact Information: Name, email address, phone number, business name, and mailing address provided through our website contact form, session booking requests, or direct correspondence.

Newsletter & Marketing Lists: Email address and name provided voluntarily when subscribing to JSK Overseas Inc. communications, newsletters, or updates.

Engagement Information: Information you share with us in the course of a consulting engagement, including business details, financial information, operational data, and any other information relevant to the services being provided.

Website Usage Data: Technical data including IP address, browser type, pages visited, and session duration, collected automatically through standard website analytics tools.

2. How We Use Your Information

Personal information collected by JSK Overseas Inc. is used solely for the following purposes:

To respond to inquiries submitted through our website contact form

To deliver consulting services agreed upon in an engagement

To send newsletters, updates, and marketing communications to subscribers who have provided express consent

To manage our client relationships and business operations

To comply with applicable legal and regulatory obligations

To improve our website and service delivery based on usage analytics

We do not sell, rent, trade, or otherwise disclose your personal information to third parties for commercial purposes.

3. Consent

JSK Overseas Inc. collects personal information with your knowledge and consent. By submitting a contact form, booking a session, or subscribing to our newsletter, you are providing express consent to the collection and use of your personal information for the purposes described in this policy. You may withdraw consent at any time by contacting us directly. Withdrawal of consent may affect our ability to provide certain services.

4. Newsletter & Marketing Communications

If you subscribe to JSK Overseas Inc. newsletters or marketing communications, your email address and name will be added to our mailing list. Every marketing communication will include a clear and accessible option to unsubscribe. Upon unsubscribing, your information will be removed from our marketing list promptly and in compliance with Canada's Anti-Spam Legislation (CASL) and applicable US CAN-SPAM requirements.

5. Hosting, Data Storage & Security

Our website is hosted on the Wix.com platform. Wix.com provides us with the online platform that allows us to provide our services to you. Your data may be stored through Wix.com’s data storage, databases, and the general Wix.com applications on secure servers behind a firewall.

Disclaimer: While reasonable security safeguards may be implemebted by Wix.com, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but commit to responding promptly and transparently to any data security incident.

6. Retention

JSK Overseas Inc. retains personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law. Client engagement records are retained for a minimum of seven years in accordance with standard Canadian business record-keeping obligations. Marketing subscriber information is retained until you unsubscribe or request removal.

7. Your Rights

You have the right to:

Request access to the personal information JSK Overseas Inc. holds about you

Request correction of inaccurate or incomplete personal information

Withdraw consent to the use of your personal information for non-essential purposes

Request deletion of your personal information, subject to legal retention obligations

Lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC) or applicable US regulatory authority if you believe your privacy rights have been violated

8. Third-Party Links

Our website may contain links to third-party websites. JSK Overseas Inc. is not responsible for the privacy practices of those websites and encourages you to review their privacy policies independently.

9. Contact

For any privacy-related inquiries, requests, or concerns, please contact JSK Overseas Inc. directly through the contact form at www.jskoverseasinc.com. We are committed to addressing all privacy inquiries promptly and in good faith.

10. Cookies

Why does Wix use cookies?

Wix uses cookies for important reasons, such as:

To provide a great experience for your visitors and customers.

To identify your registered members (users who registered to your site).

To monitor and analyze the performance, operation and effectiveness of Wix's platform.

To ensure our platform is secure and safe to use.

JSK Overseas Inc. reserves the right to update this Privacy Policy at any time. Material changes will be communicated through our website. Continued use of our website or services following any update constitutes acceptance of the revised policy.

Career Growth & Learning

Our Commitment

At JSK Overseas Inc., career growth and continuous learning are not aspirational ideals. They are active, daily commitments. As a women-owned, owner-operated consulting firm, I hold myself to the same standard of professional development that I encourage in every client I serve. The quality of advice I provide is directly proportional to the depth of knowledge I bring and that knowledge must be constantly renewed, challenged, and expanded.

What This Means in Practice

Continuous Professional Development

We encourage to ongoing education in risk management, business consulting, governance, and emerging industry trends including formal certifications, industry conferences, peer learning, and self-directed research. My clients deserve an advisor who is ahead of the curve, not catching up to it.

Client Knowledge Transfer

Every engagement we undertake is designed to grow the capabilities of my clients, not create dependency on my services. Career growth at JSK means leaving every client organization more capable, more informed, and more resilient than we found it.

Industry Awareness

We actively monitor developments in geopolitical risk, AI, financial crime, digital transformation, sustainability, and governance, ensuring that the advice we provide reflects the real-world environment my clients operate in today and the one they will face tomorrow.

Looking Ahead

As JSK Overseas Inc. grows, this commitment to learning will extend to any future team members, partners, or collaborators who join the firm. Career growth and knowledge sharing are not just personal values, they are the operating standards of this business.

Diversity, Equity & Inclusion

Our Position

At JSK Overseas Inc., diversity, equity, and inclusion are not corporate talking points, they are lived values that shape how we show up for our clients, how we conduct my business, and how we engage with the broader Canadian and North American business community. We believe that diverse perspectives produce better risk thinking, more nuanced business strategies, and more resilient organizations. That belief is the foundation of everything we do and deliver.

Diversity

We are committed to serve businesses of all sizes, sectors, cultural backgrounds, and ownership structures without bias or preference. We actively seek to understand the unique context each client brings, recognizing that business challenges are never one-size-fits-all. The SME landscape in Canada and the United States is rich with diverse entrepreneurs, and JSK Overseas Inc. is proud to serve that community in its full breadth.

Equity

Professional-grade risk management and business consulting has historically been accessible only to large corporations with significant budgets. At JSK Overseas Inc., we try to close that gap, making expert, framework-driven consulting accessible and affordable for small and medium-sized enterprises regardless of their size, revenue, or stage of growth. Equity, in this business, means ensuring the quality of advice is never determined by the size of the client.

Inclusion

Every client, partner, and collaborator who engages with JSK Overseas Inc. can expect to be heard, respected, and treated with absolute professionalism. We are committed in creating an engaged environment where every voice is valued, every concern is taken seriously, and every business regardless of who owns it or how it was built, it receives the same standard of expert, impartial advisory support.

Ongoing Commitment

We would continue to examine my own practices, seek diverse perspectives, support women-owned and minority-owned businesses wherever possible, and advocate for a more equitable consulting landscape across Canada and the United States.

Environmental Sustainability

Our Position

At JSK Overseas Inc., environmental sustainability is embedded in how we operate, how we advise, and how we think about the long-term health of the businesses we serve. As a boutique, owner-operated consulting firm, our direct environmental footprint is modest, but our influence on the risk thinking of Canadian and American SMEs is not. We take both seriously.

How We Operate Sustainably

Digital-First Operations
JSK Overseas Inc. operates as a primarily digital business conducting the majority of client engagements, document delivery, and communications online. This deliberate choice significantly reduces travel emissions, paper consumption, and physical resource use without compromising the quality of service delivered.

Paperless Consulting
All client deliverables, reports, frameworks, tools, and templates are provided in digital format. We do not maintain unnecessary physical inventory and actively encourage clients to adopt paperless practices within their own operations.

Responsible Travel
Where in-person engagements require travel, We make conscious choices to minimize environmental impact consolidating trips, choosing lower-emission transportation options where practical, and offsetting travel where possible.

How We Advise on Sustainability

Environmental and sustainability risk is a growing priority within our Enterprise Risk Management practice. We help Canadian and US-based SMEs understand their ESG risk exposure, build sustainability reporting frameworks, and embed environmental considerations into their governance and strategic planning processes recognizing that sustainability is no longer optional for businesses seeking long-term resilience.

Our Commitment Going Forward

As JSK Overseas Inc. grows, We are committed to maintaining the lowest practical environmental footprint, staying current with ESG standards and reporting obligations relevant to Canadian and US businesses, and continuing to integrate environmental risk as a core dimension of the advisory services we provide.

Social Impact

Our Belief

At JSK Overseas Inc., social impact is not a separate initiative bolted onto a business model, it is the business model. Every SME we help build a stronger operational foundation, a more resilient risk framework, or a clearer strategic direction is a business better positioned to support its employees, serve its community, and contribute to the economic fabric of Canada and the United States.

Empowering SMEs

Small and medium-sized enterprises are the backbone of the Canadian and American economies generating employment, driving innovation, and sustaining communities from coast to coast. Yet they consistently operate without access to the calibre of risk and business consulting that larger corporations take for granted. JSK Overseas Inc. exists to change that making world-class consulting accessible, practical, and affordable for the businesses that need it most.

Supporting Women in Business

As a women-owned and operated consulting firm, we are deeply aware of the barriers that women entrepreneurs continue to face in accessing capital, advisory expertise, professional networks, and credibility in male-dominated sectors. We actively support women-owned businesses through prioritized engagement, mentorship where appropriate, and advocacy for a more inclusive business consulting landscape across North America.

Building Resilient Communities

Every business we help strengthen is a community asset. When SMEs survive disruption, navigate risk intelligently, and grow sustainably, the ripple effects extend beyond the boardroom into jobs protected, families supported, and local economies strengthened. That is the social impact at the heart of every JSK Overseas Inc. engagement.

Giving Back

We are committed to contribute to the broader business community through knowledge sharing, accessible educational content, and pro-bono or reduced-rate support for early-stage entrepreneurs and non-profit organizations where capacity allows. Social impact is not a one-time gesture — it is an ongoing practice.

Work-Life Balance

Our Philosophy

At JSK Overseas Inc., work-life balance is not a policy written for employees — it is a personal and professional standard that holds us as the founder, principal consultant, and sole operator of this business. We believe that the quality of the advice we provide is directly connected to our capacity to think clearly, engage fully, and show up for our clients with energy and perspective. That capacity requires boundaries, rest, and a life that extends beyond the work.

What This Means for Clients

Defined Engagement Hours

Client engagements are conducted during structured business hours i.e. Monday through Friday, within reasonable time zones across Canada and the United States. We are responsive, reliable, and committed to clients' timelines and ask that clients respect the boundaries that allow us to deliver the best work consistently.

Quality Over Volume

As a boutique, owner-operated firm, We deliberately limit the number of concurrent active engagements to ensure every client receives our full attention, focus, and expertise. We do not overbook to maximize revenue at the expense of service quality. Every client deserves a consultant who is present, not stretched thin.

Response Time Expectations

We commit to responding to all client communications within one business day during standard business hours. After-hours and weekend communications will be addressed on the next business day, unless an urgent matter has been agreed upon in advance as part of an engagement scope.

What This Means for How I Work

We take scheduled time away from work to recharge because a consultant who never rests is a consultant who eventually stops being effective. We bring the same discipline to manage our own wellbeing that we bring to managing client risk: proactively, strategically, and without apology. We model the work-life standards that we encourage within the SME organizations we serve.

Accessibility Policy

Our Commitment

JSK Overseas Inc. is committed to ensuring that our website, digital content, and consulting services are accessible to all individuals, including persons with disabilities. We believe that every person, regardless of ability, deserves equal access to the information, tools, and services we provide. Accessibility is not an afterthought in our business design. It is a standard we actively work to uphold.

2. Web Accessibility Standards

JSK Overseas Inc. strives to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, as the benchmark for our website accessibility. These guidelines are internationally recognized as the standard for accessible web design and are consistent with Canadian and US regulatory expectations for digital accessibility.
Our ongoing accessibility efforts include:
•   Maintaining sufficient colour contrast ratios for text and visual elements
•   Ensuring all images include descriptive alternative text
•   Structuring content with clear headings, logical reading order, and navigable page layouts
•   Ensuring all forms and interactive elements are keyboard-navigable and screen-reader compatible
•   Providing accessible document formats for downloadable tools, templates, and resources where possible

3. Accessible Service Delivery

JSK Overseas Inc. is committed to providing consulting services in a manner that respects the dignity and independence of all clients. If you require accommodations to access our services including alternative communication formats, modified session delivery, or other adjustments: please contact us in advance and we will work with you to meet your needs to the best of our ability.

4. Feedback & Accessibility Barriers

We recognize that accessibility is an ongoing journey and that barriers may exist that we have not yet identified. We welcome and actively encourage feedback from website visitors and clients who encounter accessibility barriers when interacting with JSK Overseas Inc., online or through our services.
If you experience accessibility issue, please contact us through the contact form at www.jskoverseasinc.com, describing the barrier encountered and the assistive technology or device being used if applicable. We would acknowledge your feedback and try to address identified barriers in a timely manner, in best possible way.

5. Ongoing Improvement

JSK Overseas Inc. is committed to the continuous improvement of our website and service accessibility. We will conduct periodic accessibility reviews, act on feedback received, and stay informed of evolving accessibility standards and regulatory requirements in both Canada and the United States.

6. Applicable Legislation

This policy has been written considering following legislative and regulatory frameworks:
•   Accessibility for Ontarians with Disabilities Act (AODA) — Ontario, Canada
•   Accessible Canada Act (ACA) — Federal Canada
•   Web Content Accessibility Guidelines (WCAG) 2.1, Level AA — W3C International Standard
•   Americans with Disabilities Act (ADA) — United States, as applicable to digital accessibility
It is possible that all regulatory requirements may not have been captured and followed from above said frameworks. However we always look forward to your feedback in making your experience exemplary.

7. Contact

For accessibility inquiries, accommodation requests, or to report an accessibility barrier, please contact JSK Overseas Inc. through contact form in our website at www.jskoverseasinc.com. We are committed to responding with care, urgency, and respect.