What is the purpose of PIPEDA?

• A. To collect as much consumer data as possible.
• B. To restrict businesses from collecting data.
• C. To regulate mortgage rates.
• D. To ensure consent before collection, use, or disclosure of personal information and to protect privacy.

Answer: (D)

PIPEDA focuses on protecting individuals’ privacy in commercial dealings. Its purpose is to ensure that organizations obtain meaningful consent before collecting, using, or disclosing personal information, and to implement safeguards and openness about how that information is handled. It also gives individuals rights to access and challenge how their data is used. This emphasis on consent and privacy protection is why the correct choice highlights consent before collection, use, or disclosure and the protection of privacy. The other options miss the central idea: it’s not about maximizing data collection, broadly restricting data, or setting mortgage rates.