PRIVACY POLICY

ADVISOR PRIVACY STATEMENT AND CONSENT Last Updated May 2026

For Collection, Use, Retention & Disclosure of Personal Information

My Commitment to Protecting your Privacy: 

I make best efforts to comply with the federal Personal Information and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.  I strive to maintain the highest standards of confidentiality to ensure the protection of your personal information (PI). I also adhere to the Canadian Anti-Spam Legislation and Regulations (CASL) and will only communicate electronically with your consent or where the information provided is necessary to the on-going good standing status of your policy. 

Accountability: 

I am responsible for the PI that I receive from you. I will take appropriate and reasonable measures to safeguard that information in whatever form it is held. 

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.

How I Protect Your PI: 

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 and confidential and to use the information only for the purposes identified.  I have established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use.  I do not sell your PI to anyone nor do I share your PI with organizations outside of my relationship with you that would use it to contact you about their own products or services.

Your Privacy Choices: 

You may withdraw your consent, which allows me to retain your PI on file, at any time (subject to legal or contractual obligations) by providing me with reasonable notice.  Withdrawing your consent may prevent me from providing you with appropriate updates on products or services which may be in your best interests and/or fit into your long-term financial plan. 

Your Right to Complain:

You have the right to complain confidentially to me, to the insurer and to the Privacy Commissioner of Canada where you believe there has been a breach of your PI to an unauthorized party. 

How I Collect, Use, Share, Disclose and Retain Your Information: 

With your consent, I collect information that helps me formulate advice and a recommendation of the most suitable products or services available to purchase through me.  I collect all personal and corporate information including related personal details, financial and health information and use and retain it solely for the purposes of providing advice.  I convey your PI to Insurers through wholesale organizations known as Managing General Agencies (MGAs), which are contracted to provide administrative services to them.  The Managing General Agency through which I conduct business is named HUB Financial Inc.  I may share this information with others to obtain help in areas outside of my areas of expertise.  I am required to retain much of the information I collect for regulatory reasons including demonstrating that the recommendations I make are suitable and have address your identified needs. 

Consent: 

In the course of providing our services, we may ask you to provide personal information, such as your name, address, date of birth, social insurance number, family and financial circumstances, employer information and medical information.  I use your PI to identify products, concepts and services to address needs you have identified. 

You may request access to your personal and other information, use and disclosure of that information by sending your request to our office.  You will be given reasonable access to your information and will be entitled to challenge the accuracy and completeness of the information and to have it amended as appropriate. You can help maintain the accuracy of your information by notifying us of any changes as they occur.