PRIVACY PROTECTION NOTICE

Client Record and Personal Information

The personal information collected about you for the purposes identified in this Privacy Protection Notice is held in a record called the “client record”. The personal information in your client record may include your name, address and telephone number, social insurance number, birth date, driver’s license, passport number, income, net worth, account holdings and the name, address and social insurance number of your spouse and beneficiary. Depending on the investment/insurance or service you request, additional personal information may be held in your client record. For example, if you have established a pre-authorized payment plan, your financial institution account number is recorded.

Providing Your Information to your Financial Advisor

When you completed an application form or otherwise opened an account with our assistance, you provided us with personal information including, where applicable, personal information concerning your spouse and beneficiary. You may have also provided us with information when you gave instructions to us about insurance and/or investments you had or wished to have. We collect this personal information, hold it in your client record, use it and when needed, disclose it for the purposes identified in this Privacy Protection Notice.

Collecting, Holding, Using and Disclosing Information in Your Client Record

We may collect, hold and use the information in your client record. We may also collect personal information from, and disclose personal information to, third parties for the following purposes:
a. Identifying you and ensuring the accuracy of information contained in your client record.
b. Establishing and administering your account, determining, maintaining, recording, and storing account holdings and transaction information in your client record.
c. Providing you with investment account statements and other information related to any insurance policies held, which you may request as needed to service your account.
d. Understanding your insurance and/or investment needs and eligibility for products and services and recommending particular products and services to meet your needs.
e. Protecting you against error and fraud.
f. Meeting the legal and regulatory requirements of various statutes including provincial securities legislation and federal money laundering regulations.
g. Verifying information previously given by you with any other organization when necessary for the purposes provided in this Privacy Protection Notice.

We may collect personal information about you from third parties for the purposes identified in this Privacy Protection Notice. These parties include your other financial institutions, insurance/segregated fund companies, mutual fund companies and others who represent that they have the right to disclose the information.
We may disclose to third parties’ personal information about you for the purposes identified in this Privacy Protection Notice. These parties include the dealer(s) through which I place my life insurance business, other financial institutions, account statement preparation and mailing companies, Canada Post, courier and document storage companies, insurance/segregated fund companies and mutual fund companies. Other third parties could include Canadian government agencies such as the Canada Revenue Agency.
When we transfer personal information to any service providers, we ensure by contractual means, that the transferred personal information is used only for the purposes for which the service provider is retained. If you wish to withdraw consent to the continuation of this information sharing or discuss the implications of such withdrawal, please contact us through one of the means listed at the end of this notice. In some circumstances, legal requirements may prevent you from withholding consent. Your decision to withhold consent may limit my ability to deal with you and may also limit the products and services that we provide you, because the collection of information and the disclosure to certain third parties is a necessary part of making the product or service available to you.
Your personal information will not be shared with sales advisors of any other company without your consent.

Using Your Social Insurance Number

We are required by law to use your Social Insurance Number to facilitate required tax reporting to the Canada Revenue Agency. We may also provide the number to third parties engaged to provide income tax reports.

Employees and Advisors Who Have Access to Your Client Record

We may have employees and advisors who may work with us and who may have access to your client record provided they have a specific need to know in connection with the purposes identified in this Privacy Protection Notice. Access is permitted only to the extent necessary for such purposes.

Location of Your Client Records

Your client records, in electronic or paper format, are kept at the offices of the dealer(s) through which we place our life insurance business and we may also keep our own records. Paper records forming part of your client record may also be kept in secure offsite storage. Your client record may be transferred to other locations for disaster recovery purposes.

Right to Access and Rectify Personal Information

Except in limited circumstances prescribed by the Protection of Personal Information and Electronic Documents Act (Canada) and similar provincial privacy protection acts, you are entitled to access, through a written request, the personal information contained in your client record. You may verify this personal information and request that any inaccurate information be corrected. Please contact us through one of the means listed at the end of this notice. If your concerns have not been resolved to your satisfaction, you can contact the Privacy Officer of the dealer(s) through which we place our life insurance business.

Changes to Your Personal Information:

Please inform us promptly of any change in the personal information that you have previously provided. Contact information is provided below.
We appreciate your business and promise to handle your questions or input regarding personal information in a prompt and courteous manner.

PRIVACY POLICY CONSENT

Our Privacy Policy and Commitment to Protecting Your Privacy

We value your business and we thank you for your confidence in choosing me as your source for advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.
Your Rights as they Pertain to Your Personal Information
• You have the right to know why an organization collects, uses, or discloses your personal information.
• You have the right to expect an organization to handle your information reasonably and to not use it for any other purpose other than the one to which you consented.
• You have the right to know who in an organization is responsible for protecting your information.
• You have the right to expect an organization to protect your information from unauthorized disclosure.
• You have the right to inspect the information an organization holds about you and make sure it is accurate, complete, and current.
• You have the right to expect an organization to destroy your information when requested or when no longer required for the intended purpose.

Advisor Disclosure

Please be advised that as life insurance agents and certified financial planners, we are obliged to disclose, in writing, any potential conflicts of interest to our clients.

Licenses and Jurisdictions

We are licensed for life insurance and health insurance in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick, Life Insurance includes term and permanent types of coverage. Health insurance may include long-term disability, critical illness, long-term care, and medical/dental plans. Additionally, we are able to help clients with insured income and investment types of plans such as annuities and segregated funds.
We are also licensed/registered in the following fields: Law.
For insurance products, We place business through Carte Risk Management

For Stocks , we can place business through Croft Financial Group.

We have access to products through the distributor from a variety of companies including but not limited to:
Canada Life
Manu Life
Empire Life
Beneva (La Capitale & SSQ)
RBC Forester’s
Canada Protection Plan
Industrial Alliance

Compensation

We are compensated for financial plans we prepare for clients and by a sales commission on policies we sell, and we may also receive a renewal (or service) commission on policies that remain active. Commissions are paid by the company that provides the product you purchased.
For certain products, the commission may be different than the standard commission scale provided by the company providing the product. We will advise you if this occurs. Any future increases in the commission scale will require your written approval.

If our sales reach a certain level, we may be eligible for additional compensation, such as bonuses and other benefits, such as conferences. This compensation depends on various factors such as the volume or retention of business we place with a particular company during a given time period. Recognition/incentive- based compensation is an industry wide practice and is a standard form of payment.
As Independent Financial Advisors, we are bound by the laws governing life insurance agents in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan This means that any insurance product(s) we recommend will be the product(s) we consider to best suit your needs, regardless of the compensation.

Conflict of Interest

We take the potential of a conflict of interest seriously. We confirm that we have no conflict of interest. If we become aware of a potential conflict, we will tell you.
This statement has been prepared by Canadian Partners Financial Limited, and we are responsible for its accuracy.

More Information

If you need more information about our qualifications or our business relationships, contact us. We would be happy to help.