Privacy Policy

Our Commitment to Protecting your Privacy: We comply with the Federal Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. We maintain the highest standards of confidentiality to ensure the protection of your personal information PI. We also adhere to the Canadian Anti-Spam Legislation and Regulations (CASL) and will only communicate electronically with your consent.

 

Accountability: We are responsible for the PI that we receive from you and will safeguard that information in whatever form it is held.

 

How we Collect, Use, Share, Disclose and Retain Your Information: We collect all personal, corporate, financial and related information with your consent and use and retain it solely for the purposes of providing advice and to ensure that any products or services you purchase through us are provided quickly and correctly. We confidentially convey your PI to insurers through wholesale organizations known as Managing General Agencies (MGAs), which are contracted to provide administrative services to them. We only collect and keep information that helps us formulate advice, including personal, financial and health information. With your consent, we may share this information with others to get you help in areas outside of my areas of expertise. We are required to retain much of the information we collect for regulatory reasons including demonstrating that the recommendations we make are suitable and address your identified needs.

 

Accuracy of Information: In order to make appropriate recommendations, we must receive accurate information. You may review the PI I retain about you upon request. We will attempt to update the PI we hold in our records to determine whether the recommendations we made are still appropriate in light of changes in your circumstances. We also rely on you to provide regular updates.

 

What we will NOT Do with Your Information: We do not sell your PI to anyone nor do we share your PI with organizations outside of our relationship with you that would use it to contact you about their own products or services.

 

We Strive to Protect Your PI: All employees, associated advisors, wholesale organizations and suppliers that are granted access to client records are required by law and regulation to keep this information protected and confidential and to use the information only for the purposes identified. Information that is no longer required for the intended original purpose will be destroyed. We have also established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use.

 

Your Privacy Choices: You may withdraw your consent at any time (subject to legal or contractual obligations and on providing us with reasonable notice) by contacting us. Withdrawing your consent may prevent us from providing you with requested products or services and may end our business relationship. We may occasionally use your PI to advise you of products or services that may interest you or fit your personal circumstances. If you would rather not receive this type of communication, please advise us at any time.

 

Your Right to Complain: You have the right to complain confidentially to us, to the insurer and to the Privacy Commissioner of Canada if need be.