We adhere to the Personal Information Protection and Electronic Documents Act (PIPEDA), a federal privacy law, and the provincial privacy laws that apply. We will maintain the highest standards of confidentiality to ensure the protection of your personal information.
We also adhere to the Canadian Anti-Spam Legislation and Regulations and will only communicate electronically with your permission.
We are responsible for the personal information received from clients and will safeguard that information in whatever form it is held. My employee also understands and abides by these rules.
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 me are provided quickly and correctly.
We confidentially convey your personal information 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 me 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 the requirement that we be able to demonstrate that the recommendations made are appropriate and address your identified needs.
We use your personal information to identify products, concepts and services to address needs you have identified.
We do not sell client information to anyone, nor do we share client information with organizations that are outside of our relationship.
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, confidential and to use the information only for the purposes identified. Information that is no longer required for the intended original purpose will be discarded by shredding or similarly destroyed. We’ve also established physical and systems safeguards, along with proper processes to protect client information from unauthorized access or use.
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.
You have the right to complain confidentially to us, to the insurance company and to the Privacy Commissioner of Canada if need be.