Date: April 11, 2024

At our company, we uphold the highest standards of confidentiality when handling client information, in compliance with the Personal Information and Electronic Documents Act (“PIPEDA”), a federal privacy law.

Accountability

We take responsibility for the personal information entrusted to us by our clients and strictly adhere to the principles outlined in PIPEDA to safeguard this information, whether in hard copy or digital format. Our employees are fully versed in and committed to upholding these regulations.

Collection Purposes, Limitations on Collection, Use, Disclosure, and Retention

We collect and maintain identity, health, corporate, and financial information solely for the purpose of providing tailored advice and facilitating efficient and accurate provision of products or services. In compliance with regulatory requirements, we confidentially share necessary information with insurers through reputable wholesale organizations. We only retain information essential for formulating advice and servicing products procured through our services.

Consent

Given the nature of our work, we require and retain substantial personal information from our clients, including health and financial data, and identity verification. By engaging our services, you consent to providing this information, allowing us to share it with relevant financial entities and intermediaries, and permitting us to retain it in our records, whether in physical or electronic form, for the duration of our advisory relationship or as legally required. In the event of retirement, incapacitation, or death, you authorize us to transfer your file, including personal information, to another qualified agent or agency for continued service, with the option to select an alternative agent. Additionally, you agree to receive electronic communications or Commercial Electronic Messages (CEMs) from us, with the option to withdraw consent at any time.

Information Accuracy

We rely on accurate information to formulate appropriate recommendations. Clients may request a review of the personal information retained about them, and we endeavor to update this information regularly to ensure the accuracy of our recommendations.

Safeguards

All client information, whether in written or digital form, is securely stored in password-protected computer files or locked filing cabinets. Off-site computer files are encrypted to military-grade standards. Disposed of files are thoroughly shredded or destroyed to prevent unauthorized access. Our staff is trained to recognize the sensitivity of client information and the importance of its protection.

Questions, Concerns, and Access

Clients may contact us at any time via telephone, email, or mail to address queries or request changes to their files. Further information about PIPEDA can be found online at www.privcom.gc.ca. In the event of any complaints regarding our procedures, we undertake to investigate promptly and provide a timely response. A complete copy of our Privacy Policy is available upon request.