Privacy Policy and Privacy Protection Notice
1. My commitment to protecting your privacy
I value your business and thank you for your confidence in choosing me as your source for advice and products. As my client, you trust me with your personal information. I respect that trust and want you to be aware of my commitment to protect the information you share in the course of doing business with me.
KFinancial is operated by Trevor Emuobome. I place my life insurance business through Carte Risk Management Inc., and I operate under Velmora Financial Group, an Associate General Agency (AGA), and Carte Financial Group.
2. Your rights regarding 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 not to use it for any purpose other than the one you consented to.
- 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 it is no longer required for the intended purpose.
- You have the right to complain confidentially to an organization about how it handles your information, and to the Privacy Commissioner of Canada if needed.
3. Information collected through this website
This website does not contain a form that directly collects information you type into the landing page. It does use cookies and similar technologies, including the Meta Pixel, as described in Section 12. When you choose to book an initial consultation, you are taken to a GoHighLevel scheduling page where you provide your information directly. That typically includes your name, email address, phone number, province and anything else you choose to provide in the booking form or during the consultation.
I ask which province you are in because advisor licensing is province specific. I am a Financial Advisor in Alberta and a Life Licensed Advisor in British Columbia (BC), Saskatchewan (SK), Manitoba (MB), Ontario (ON) and New Brunswick (NB).
4. Your client record
If you go on to become a client, the personal information collected about you is held in a record called the client record. Depending on the insurance, investment or service you request, that record may include your name, address and telephone number, Social Insurance Number, birth date, driver's licence, passport number, income, net worth, account holdings, and the name, address and Social Insurance Number of your spouse and beneficiary. For example, if you establish a pre-authorized payment plan, your financial institution account number is recorded.
5. Why I collect, hold, use and disclose this information
I may collect, hold and use the information in your client record, and may collect it from and disclose it to third parties, for the following purposes:
- Identifying you and ensuring the accuracy of information in your client record.
- Establishing and administering your account, and determining, maintaining, recording and storing account holdings and transaction information.
- 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.
- Understanding your insurance and investment needs and eligibility for products and services, and recommending particular products and services to meet those needs.
- Protecting you against error and fraud.
- Meeting the legal and regulatory requirements of various statutes, including provincial securities legislation and federal money laundering regulations.
- Verifying information you previously provided with another organization, where necessary for the purposes in this notice.
- Communicating with you in a timely and efficient manner, evaluating claims and underwriting risks where required, analyzing business results, and acting as required or authorized by law.
6. What I will not do with your information
I will not sell your information to anyone. I will not share your information with organizations outside of my relationship with you that would use it to contact you about their own products or services. Your personal information will not be shared with sales advisors of any other company without your consent.
7. Third parties who may receive your information
I may collect personal information about you from third parties, and disclose personal information about you to third parties, for the purposes identified in this notice. These parties can include the dealers through which I place my life insurance business, other financial institutions, insurance and segregated fund companies, mutual fund companies, account statement preparation and mailing companies, Canada Post, courier and document storage companies, and Canadian government agencies such as the Canada Revenue Agency (CRA).
When I transfer personal information to any service provider, I ensure by contractual means that the transferred information is used only for the purposes for which that service provider was retained.
This website is hosted by Netlify, and scheduling and client communication run on GoHighLevel. These providers may store or process data outside Canada, including in the United States, where it may be subject to the laws of that jurisdiction.
8. Use of your Social Insurance Number
I am required by law to use your Social Insurance Number to facilitate required tax reporting to the Canada Revenue Agency (CRA). I may also provide the number to third parties engaged to provide income tax reports.
9. Where records are kept, and for how long
Client records, in electronic or paper format, are kept at the offices of the dealers through which I place my life insurance business, and I may also keep my own records. Paper records forming part of your client record may be kept in secure offsite storage, and records may be transferred to other locations for disaster recovery purposes.
Records are retained for the life of the product relationship, and for a further five to seven years after that relationship ends, in order to meet the record-keeping obligations that apply to licensed financial services work. Electronic client documents are held in secured Microsoft OneDrive and pCloud storage.
10. Who has access, and how information is protected
I may have employees and advisors who work with me 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 notice. Access is permitted only to the extent necessary for those purposes. All employees, associated advisors and suppliers granted access to client records understand the need to keep this information protected and confidential, and know they are to use it only for the purposes intended. I have also established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use. This website is served over an encrypted connection (HTTPS).
11. Your consent, and withdrawing it
By submitting the booking form, you consent to my collecting and using your information for the purposes described above. You may withdraw your consent at any time, subject to legal or contractual obligations and on providing reasonable notice, by contacting me or the Privacy Officer of the dealers through which I place my life insurance business.
Please be aware that withdrawing your consent may prevent me from providing you with the requested products or services. In some circumstances, legal requirements may prevent you from withholding consent, because the collection of information and disclosure to certain third parties is a necessary part of making a product or service available to you.
I may occasionally use your personal information to advise you of products or services I believe may be of interest to you or fit your personal circumstances. If you would rather not receive this type of communication, please let me know. Where I communicate with you electronically, I do so in accordance with Canada's Anti-Spam Legislation (CASL), and every commercial electronic message includes a way to unsubscribe.
12. Cookies and tracking
This website uses the Meta Pixel, a tool provided by Meta Platforms, Inc. The Pixel may set cookies and records when a page on this site is viewed and when a visitor selects a link leading to the strategy-call booking page. This helps me understand how visitors reach and use the site, measure advertising performance and evaluate whether the landing page is producing consultation interest.
If a visitor completes an appointment booking through GoHighLevel, limited event information confirming that a booking occurred may also be sent to Meta through a server-side Conversions API connection. A booking-link click is not treated as a completed appointment.
These tracking events are not intended to send Meta the details of a visitor's financial situation, appointment notes, consultation discussion or other sensitive financial-services information. Technical information processed by Meta may include browser information, IP address, cookie identifiers and advertising click identifiers. I have applied Meta's available data restrictions for financial-services activity.
Information processed by Meta may be stored or processed outside Canada under Meta's own terms and privacy policy. You can limit browser-based collection through your browser cookie settings, device advertising settings or the ad preference controls in your Meta account.
13. Access, correction and complaints
Except in limited circumstances prescribed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and similar provincial privacy protection legislation, you are entitled to access, through a written request, the personal information contained in your client record. You may verify this information and request that any inaccurate information be corrected. Please inform me promptly of any change to the personal information you have previously provided.
If your concerns have not been resolved to your satisfaction, you may contact the Privacy Officer of the dealers through which I place my life insurance business, or the Office of the Privacy Commissioner of Canada.
14. Contact
I appreciate your business and promise to handle your questions or input regarding personal information in a prompt and courteous manner.
Trevor Emuobome, P.Eng., PMP
KFinancial
trevor@kfinancial.ca
587.407.1911