Privacy Policy

How Mill Creek Wealth Management collects, uses and handles the personal information you share through this website.

Draft for review by Tim Ternosky and Designed Securities Ltd. before launch.

Last updated: [date of launch]

Who this policy covers

This policy covers [production domain to come], the website of Mill Creek Wealth Management, the practice of Timothy Ternosky. It explains what personal information the website collects and what happens to it. Accounts and investments held through Designed Securities Ltd. are covered by Designed Securities Ltd.’s own privacy policy [link from DSL].

What the website collects

  • Contact form: your name, email address, phone number if you give one, and your message.
  • Booking: when you book a meeting, the booking service collects your name, email address, the time you choose and any answers you give.
  • Cookies: the website asks for your consent before setting any cookie that is not needed for the site to work. You can change your choice at any time.
  • Server logs: like most websites, the host records basic technical information such as IP addresses and browser type, to keep the site secure.

How it is used

Your information is used to reply to your message, to arrange and prepare for meetings, and to keep the website working and secure. It is not sold, rented or used for marketing lists.

Who can see it

  • Tim Ternosky, who receives and answers enquiries.
  • Service providers that run the website and booking system on Tim’s behalf, such as the website host and the booking service. They may store information outside Canada.
  • Designed Securities Ltd., which supervises Tim’s investment business, where its regulatory obligations require access to client communications.
  • Anyone else only where the law requires it.

How long it is kept

Enquiries are kept for as long as needed to respond and to meet record-keeping requirements that apply to Tim’s practice, and are then deleted.

Your choices

You can ask to see the personal information held about you, ask for it to be corrected, or withdraw your consent to its use, subject to legal and regulatory requirements. To make a request, contact Tim using the details below.

Contact

Timothy Ternosky, Mill Creek Wealth Management
Phone: 519-890-8585
Email: [email address to come]

Changes to this policy

If this policy changes, the updated version will be posted on this page with a new date.

Mill Creek Wealth Management Designed Securities Ltd.

Independent, goals-based financial planning and investment management.

CERTIFIED FINANCIAL PLANNER™ professional · Chartered Investment Manager (CIM®)

Contact

Serving Kingsville, Leamington, Wheatley and Tilbury

© 2026 Mill Creek Wealth Management

Important information

Timothy Ternosky is a representative of Designed Securities Ltd. Designed Securities Ltd. is regulated by the Canadian Investment Regulatory Organization (Canadian Investment Regulatory Organization (ciro.ca) and is a Member of the Canadian Investor Protection Fund (www.cipf.ca). Investment products are provided by Designed Securities Ltd. and include, but are not limited to, mutual funds, stocks, and bonds. Timothy Ternosky is registered to provide advice and solutions to clients residing in the province of Ontario.

Any advice which may be given in respect of non-securities services is given by Timothy Ternosky solely and no such advice is given in their capacity as a registrant of Designed Securities Ltd. Canadian Investor Protection Fund (CIPF) coverage is available to CIRO Dealer Members and does not offer protection, within limits, on non-securities products not held by a Member. Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product; any type of mortgage service. Accordingly, Designed Securities Ltd. is not providing and does not supervise any of the above noted activities and you should not rely on Designed Securities Ltd. for any review of any non-securities services provided by Timothy Ternosky.

No information on this website shall be deemed as investment advice or a recommendation. The information provided may be gathered from sources believed to be accurate. This website is for informational and reference purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult the appropriate professional depending on your particular circumstances. This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

The opinions expressed are those of the author and do not necessarily reflect those of Designed Securities Ltd. The information contained on this website is subject to change without notice. Information has been gathered from sources believed to be reliable. Content is accurate as of the date of publication, and subject to change without notice.

By accessing links to external websites, you will be leaving this website, and Mill Creek Wealth Management of Designed Securities Ltd. is not responsible for the information contained on these external websites. Content may not be reproduced or distributed without the consent of Timothy Ternosky.

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