Electronic signatures are used for applications and client forms. Depending on the insurance provider, the means of signing may differ. 

Our Commitment:

Our clients are our business.  As an advisor, I am trusted with some of my clients’ most sensitive personal information.  I respect that trust and need my clients to be aware of my commitment to protect the information they provide in the course of doing business with me.

Any personal information that is collected is done in compliance with applicable laws and ethical business practices, in order to provide services and to conduct business.  I limit the information that I collect to that which it is necessary for, or related to, these purposes.

Information Collection and Use:

I collect only the  information that is required to complete the task for which I am engaged, whether that is life, critical illness, or disability insurance, or financial services such as RESP’s.

Personal information is information that refers to you specifically. I will only collect information that is pertinent and consistent with the purposes of the collection.  Whenever practical, I will collect the required information directly from the client, or from their authorized representative(s), in completed applications and forms, through other means of electronic correspondence, such as Docusign.

What I need to know and why:

I collect information from my clients and about them, only with their consent, or as required or permitted by law.  In general, I will collect personal information such as name, address, telephone number(s) or other identifying information, such as their  date of birth. 

The type of additional information that I gather will depend on the type of product or service involved.  The information gathered may be financial, which would include such information as place of employment, annual income, assets and liabilities.  It may be investment or advice related, requiring information on such things as your financial goals and retirement plans.  If you are applying for insurance or group insurance benefits, it may also include health information or lifestyle related information, such as their occupation, travel history and plans, driving record or criminal record.  

Retention of Personal Information:

I will only keep clients personal information in my records for as long as it is needed to fulfill the identified purposes, or as required or permitted by law. 

I abide by the following Ten Privacy Principles.  The Principles are based on the federal government’s privacy legislation, the Personal Information Protection and Electronic Documents Act

Accountability:

An organization is responsible for personal information under its control and shall designate an individual or individuals who are accountable for the organization’s compliance with the following principles.

Identifying Purposes:

The purposes for which personal information is collected shall be identified by the organization at or before the time the information is collected.

Consent:

The knowledge and consent of the individual are required for the collection, use or disclosure of personal information, except when inappropriate.

Limiting Collection:

The collection of personal information shall be limited to that which is necessary for the purposes identified by the organization. Information shall be collected by fair and lawful means.

Limiting Use, Disclosure, and Retention:

Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by the law. Personal information shall be retained only as long as necessary for fulfillment of those purposes.

Accuracy:

Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.

Safeguards:

Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.

Openness:

An organization shall make readily available to individuals specific information about its policies and practices relating to the management of personal information.

Individual Access:

Upon request, an individual shall be informed of the existence, use and disclosure of his or her personal information and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

Challenging Compliance:

An individual shall be able to address a challenge concerning compliance with the above principles to the designated individual or individuals for the organization’s compliance.