We appreciate your business with us and as our client we are committed to protect the privacy and confidentiality of all the personal information in our care. Therefore, we have established our Privacy Policy to govern how we collect, use, retain and disclose personal information with compliance with the requirements under the Personal Information Protection and Electronic Documents Act (PIPEDA).

Why we need your personal information?
We collect, use and disclose your personal information to:
- Offer you insurance products and services.
- Determine the insurance premium.
- Assess your insurability.
- Determine what product best suits your needs.
- Verify your identity.
- Provide you with assistance and customer service.
- Verify the accuracy of your private information.
- Analyze claims.
- Keep our records of your personal information as accurate and up to date as is necessary to fulfill the purposes for which it is used.

Your personal information may be used for other purposes that we will disclose to you before collecting, using and disclosing your information.

We will make all reasonable efforts to ensure that any personal information we collect and keep is as accurate, complete and as up-to-date as required for the identified purposes. To do so, we will rely to a large extent on you to provide us with accurate information and to inform us of changes, such as changes in your contact information.

How we collect your personal information?
Whenever practical, we will collect the required information directly from you, or from your authorized representative(s), in completed applications and forms, through other means of correspondence, such as the telephone, mail or the Internet and through your business dealings with us. We will use fair and lawful means to collect your personal information. We will only collect information that is pertinent and consistent with the purposes of the collection.

Your Consent:
We collect, use and share your personal information only for disclosed purposes related to the products and services we offer and only with your consent or as permitted or required by law. Your consent may be expressed in writing or it may be given verbally, electronically, or through our, or your, authorized representative(s), such as your financial services advisor.

You may withdraw your consent or refuse to have your information collected, used and disclosed at any time by contacting our office. In certain circumstances, your consent may be required for legal or contractual reasons. In these circumstances, withdrawing or withholding your consent may affect our ability to continue to provide you with the products and services you have requested.

Accessing your Personal Information:
You have the right to access and verify your personal information maintained in our files and to request that any factually inaccurate personal information be corrected, if appropriate.

Your personal information will only be provided to, or be accessible by our employees, associated advisors and our contracted insurance carriers.

No personal information is disclosed to a third party without your written consent, unless the disclosure of your personal information is permitted or mandatory under Canadian Federal and Provincial Laws.

Safeguarding your Personal Information:
We are committed to protecting your personal information from unauthorized access or use by ensuring that the necessary physical (building security measures and physical barriers), organizational (our policies, procedures and access levels) and technological (use of passwords, encryption, firewalls and anti-virus software) safeguards are in place that are appropriate to the sensitivity of the information.
Retention of your Personal Information:
We will only keep your personal information in our records for as long as it is needed to fulfill the identified purposes or as required or permitted by law.
Personal information that is no longer required will be destroyed, erased or made anonymous.

Contact us:
We collect personal information in compliance with applicable laws and ethical business practices, in order to provide products and services and to conduct business. We limit the information we collect to that which is necessary for, or related to, these purposes. We do not sell client personal information to anyone. Nor do we share client personal information with organizations that would use it to contact you about their own products or services.

If you have any questions or concerns about our privacy policies and practices, please contact us or call us at 1-877-838-0020.