Privacy Policy

Our data governance follows the ten fair information principles set out in PIPEDA.

Accountability

A designated Privacy Officer is responsible for our compliance, and everyone on our team is trained on the privacy obligations that come with handling client information.

Identifying purposes

We explain why we need your information before or at the time we collect it, and we record those purposes so they stay clear to you and to us.

Consent

We seek meaningful consent to collect, use and disclose personal information. Depending on sensitivity and context that consent may be express or implied, and you may withdraw it at any time.

Limiting collection

We gather only what is genuinely needed to deliver the planning work you have asked us for, and we do so fairly and lawfully.

Limiting use, disclosure and retention

Your information is used only for the purposes it was collected for, kept only as long as it is needed, and then securely destroyed.

Accuracy

We work to keep your information current and complete, and you can ask us to correct anything that is not.

Safeguards

We apply physical, administrative and technical protections proportionate to the sensitivity of the information we hold.

Openness

Our privacy practices are available to you on request; nothing about how we manage your information is hidden.

Individual access

You may ask what personal information we hold about you and how it has been used or disclosed. We respond within a reasonable period at little or no cost.

Challenging compliance

If you believe we have fallen short, contact our Privacy Officer. Every concern is investigated and corrected where warranted.

We collect information directly from you and from your interactions with us. This typically includes:

• Identification and contact details — your name, email address, telephone number, mailing address and similar identifiers.
• Financial and planning information — corporate structure, income, assets, insurance coverage, beneficiaries and records of the advice and services we provide.
• Technical and usage data — IP address, device and browser details, pages viewed and log data captured when you visit our website.
• Communications — your correspondence with our team, enquiries and feedback.
• Preferences — your choices about newsletters, marketing messages and cookies.

We may also use publicly available business contact information and information supplied by third-party service providers, where privacy law permits. We do not knowingly collect information from children without verifiable consent from a parent or guardian.

We use personal information for the purposes identified when it is collected:

• Delivering planning, insurance and advisory services and administering your file.
• Answering enquiries and providing ongoing client support.
• Sending updates, reviews and relevant planning information where you have consented.
• Understanding how our services and website are used so we can improve them.
• Meeting legal, regulatory and industry compliance obligations and protecting the security of our systems.

Information is retained only as long as needed for those purposes or as required by law, after which it is securely destroyed.

Some of our service providers store or process data outside Canada, including in the United States. Where that happens:

• Our agreements require protection comparable to Canadian privacy law and restrict use of your data to our stated purposes.
• Information held in another country may be accessible to the courts, law enforcement and national security authorities of that country.
• We perform due diligence on vendors and require appropriate technical and organizational safeguards.
• We obtain consent where it is required, and you may withdraw it subject to legal or contractual limits.
• We monitor our providers on an ongoing basis to confirm those obligations continue to be met.

We take reasonable steps to protect personal information against loss, misuse and unauthorized access:

• Physical — secured premises and controlled access to files and equipment.
• Administrative — privacy training, need-to-know access limits and documented handling procedures.
• Technical — encryption, multifactor authentication, network monitoring and periodic security reviews.

If a breach creates a real risk of significant harm, we will notify the individuals affected and the Office of the Privacy Commissioner of Canada as required.

Canadian privacy law gives you the right to:

• Access the personal information we hold and learn how it has been used and disclosed.
• Correct information that is inaccurate or incomplete.
• Withdraw consent to our use or disclosure of your information, subject to legal or contractual restrictions and reasonable notice.
• Complain to our Privacy Officer, or to the Office of the Privacy Commissioner of Canada.
• Manage cookies and marketing preferences through your browser or the unsubscribe options in our communications.

To exercise any of these rights, contact us using the details below.

Our services are intended for adults. We do not knowingly collect personal information from children under 13 without verifiable parental consent, and we will delete any such information promptly if we discover it. Parents or guardians who believe a child has provided us with information may contact us to request its removal.

Our website uses cookies and similar technologies for essential functionality and to understand how visitors use the site. Where consent is required, we ask for it before placing non-essential cookies. You can manage or clear cookies at any time through your browser settings.

We may revise this policy to reflect changes in our practices or in the law. When a change is material we will post a notice on this page along with a revised effective date. Continuing to use our services after that point means you accept the updated policy.

For any question, request or complaint about this policy or our privacy practices:

Email: info@gdmfinancialpartners.comPhone: 647-721-3277