How we handle your information

Who we are

Canada Policy Experts provides insurance quote assistance and licensed insurance advisory services to people in Canada. For privacy questions or requests, contact our Privacy Officer at info@canadapolicyexperts.com or +1 877-418-8847.

Information we collect

We collect information you choose to provide through our quote and contact forms, by phone, email, text message, or when you work with an advisor. This may include:

• Identity and contact details: name, email address, phone number, province or territory, and related communication details.
• Quote details: date of birth, gender, smoking or nicotine status, who you want to insure, coverage goal, coverage amount, and preferred insurance type.
• Insurance application details: if you choose to continue after the initial quote request, an advisor may collect health, medical, lifestyle, financial, beneficiary, identification, or other underwriting information required to assess eligibility, prepare applications, or service a policy.
• Website and security data: IP address, device or browser information, form submission logs, rate-limit data, security challenge results, and technical error or security reports.

How we use information

We use personal information only for purposes a reasonable person would consider appropriate in the circumstances, including to:

• respond to quote requests, contact requests, and questions;
• match you with suitable life insurance options;
• contact you by phone, email, or text about your request;
• prepare, submit, and service insurance applications or policies;
• verify identity, eligibility, and underwriting information when needed;
• maintain business, compliance, audit, and security records;
• detect, prevent, and investigate fraud, abuse, spam, or security incidents;
• meet legal, regulatory, licensing, tax, accounting, or insurer requirements.

Consent and opt-out choices

By submitting a form, contacting us, or continuing with an insurance application, you consent to our collection, use, and disclosure of your information for the purposes described in this policy and explained at the time of collection. You may withdraw consent at any time, subject to legal, regulatory, contractual, or insurer requirements.

You can ask us to stop marketing or promotional communications at any time. If you opt out, we may still contact you about an active quote, application, policy, service request, legal requirement, or other non-marketing matter.

When we share information

We do not sell your personal information. We may share information only as needed for the purposes in this policy, including with:

• licensed advisors, internal team members, or contractors who need it to help with your request;
• insurance companies, managing general agencies, underwriters, reinsurers, paramedical providers, or other insurance industry partners involved in quoting, applying for, underwriting, issuing, administering, or servicing insurance;
• service providers that help operate the website, process forms, manage leads, send email, prevent spam, host data, maintain security, or provide business systems;
• regulators, insurers, courts, law enforcement, professional advisers, or other parties where required or permitted by law;
• a successor organization if our business is reorganized, transferred, merged, or sold, subject to appropriate privacy protections.

Service providers and storage

Our website and intake workflow may use third-party providers, including website hosting and security providers, Cloudflare Turnstile for spam prevention, Zoho for lead workflow, and Microsoft services for email delivery and business communications. These providers may process or store information in Canada, the United States, or other jurisdictions. Information processed outside your province or outside Canada may be accessible to courts, law enforcement, or government authorities under local laws.

Cookies, local storage, and security tools

We use limited website technologies to make the site work, remember your display preference, protect forms from automated abuse, maintain security, and understand technical issues. For example, the site may store your light or dark mode preference in your browser. Cloudflare Turnstile may process technical information to verify that a form submission is legitimate.

How we protect information

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information. These may include access controls, server-side validation, spam and abuse prevention, secure credential handling, audit logs, backup records, and limiting access to people and providers who need the information for their work. No internet transmission or storage system is perfectly secure, but we work to protect information against unauthorized access, use, disclosure, alteration, or loss.

Access, correction, and complaints

You may ask to access, correct, or update the personal information we hold about you, subject to limited legal exceptions. You may also ask questions or make a privacy complaint. Contact us at info@canadapolicyexperts.com or +1 877-418-8847. We may need to verify your identity before responding.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes to our services, website, providers, or legal requirements. The updated version will be posted on this page with a new last updated date.