Effective Date: January, 2025
Sean Mulder is dedicated to protecting the privacy and confidentiality of your personal information. We are committed to collecting, using, and disclosing your personal information in a responsible manner, and only to the extent necessary for the products and services we provide. This policy outlines our professional responsibility to you and is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and the standards set by the Financial Services Regulatory Authority of Ontario (FSRA).
"Personal Information" means any information about an identifiable individual. This can include, but is not limited to, your name, address, date of birth, gender, marital status, financial information, employment details, and health information.
We collect, use, and disclose your personal information for the following primary purposes:
To understand your specific needs and to determine the suitability of insurance products and services for you.
To complete applications for insurance and related financial products on your behalf.
To communicate with insurance carriers and other financial institutions to underwrite, process, and administer your policies and accounts.
To provide you with ongoing service, support, and information related to your policies.
To meet our legal and regulatory obligations as required by FSRA, insurers, and federal/provincial laws.
To detect and prevent fraud.
We will identify the purposes for which we collect your information at or before the time of collection.
Your consent is required for the collection, use, and disclosure of your personal information, except where otherwise required or permitted by law. Consent can be express (e.g., in a signed application), implied (e.g., when you provide information to us to obtain a product), or given through an authorized representative.
By providing us with your personal information, you consent to its collection, use, and disclosure for the purposes identified in this policy. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. However, withdrawing consent may prevent us from providing you with the requested products or services.
The collection of personal information will be limited to that which is necessary for the purposes we have identified. We will not use or disclose your personal information for purposes other than those for which it was collected, except with your consent or as required by law.
Your personal information is shared with third parties, such as insurance carriers, their administrators, and our service providers, only to the extent required to process and service your applications and policies. We will retain your personal information only as long as necessary for the fulfillment of the identified purposes or as required by law and regulatory guidelines.
We have implemented critical physical, organizational, and technological security measures to protect your personal information from unauthorized access, disclosure, copying, use, or modification. Your information is stored in secure environments, and access is restricted to authorized personnel who require it to perform their duties.
You have the right to access your personal information and to request corrections if you believe it is inaccurate or incomplete. We will respond to your written request in a timely manner. We are committed to maintaining the accuracy of your personal information and will update it as necessary for the purposes for which it is used.
We are responsible for the personal information under our control and have designated a Privacy Officer to ensure compliance with this policy and applicable privacy legislation. If you have any questions or concerns about our privacy practices, please contact us.
Contact Information:
Sean Mulder
ph. (431) 446-7873
[email protected]
If you are not satisfied with our response to your privacy concerns, you have the right to contact the Office of the Privacy Commissioner of Canada or the Financial Services Regulatory Authority of Ontario.