Privacy Policy (“We”) respects the privacy of all users (“You”) who access our website or utilize our services. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information.

As a leading provider of term life insurance policies in Canada, we are committed to transparent privacy practices that build user trust and protect personal data. Please read this policy carefully to understand our views and practices regarding your personal information and how we will treat it.

Information We Collect

Personal Information

We collect personal information when you visit our website, submit an application, purchase insurance, file a claim, or contact us directly. The categories of personal information we collect may include:

Identifying Information

  • Full legal name
  • Contact details (email, phone number, physical address)
  • Date and place of birth
  • Government-issued identification numbers

Background Information

  • Marital/family status
  • Gender
  • Occupation and employment history
  • Income and financial details
  • Lifestyle habits

Insurance Information

  • Insurance history and existing policies
  • Policy beneficiary designations
  • Claim history and details

Health Information

  • Medical history and records
  • Family medical history
  • Physician details
  • Prescription information

Website Activity

  • IP address
  • Website pages visited
  • Links clicked
  • Content viewed or downloaded
  • Time spent on pages
  • Website account logins

We collect your personal information to determine policy eligibility, underwrite applications, process claims, provide customer service, and fulfill legal and regulatory requirements.

Cookies and Tracking Technologies

We use tracking technologies like cookies, web beacons, pixels, and analytics tools to collect usage data about how you interact with our website. This includes which pages you visit, links and buttons clicked, items viewed or added to the cart, and other actions.

We use this data to understand user behaviour, improve website performance, customize site content and offers, monitor marketing campaign effectiveness, and optimize the user experience.

You can turn off cookies through your browser settings, which may affect website functionality.

How We Use Your Information

We use your personal information to:

  • Provide quotes and recommend suitable insurance products
  • Verify your identity and background information
  • Determine eligibility and underwrite your application
  • Process payments for policy premiums
  • Communicate with you about your policy or claims
  • Notify you of policy renewals, updates, or changes
  • Develop new products and services
  • Improve the user experience on our website
  • Conduct analytics and generate reports
  • Comply with legal and regulatory requirements
  • Detect and prevent fraud

We do not rent, sell, or share your personal information with third parties except as outlined in this policy or with your permission.

Safeguarding Your Information

Protecting the privacy and security of your personal information is important to us. We maintain appropriate organizational, technical, and physical safeguards to secure your data.

Our security controls include:

  • Encryption of data in transit and at rest
  • Access restrictions to personal information
  • Employee privacy and security training
  • Policies surrounding appropriate data use
  • Background checks for staff in sensitive roles
  • Monitoring and logging of unauthorized access attempts
  • Endpoint protection on devices and systems
  • Perimeter firewalls and intrusion detection

We authorize access to your information only for our staff who require it to fulfill their job duties.

Data Retention

We retain your personal information as long as you have an active insurance policy with After your policy ends, we may retain your data as laws and regulations require.

Our retention periods align with insurance industry standards and regulatory obligations. We periodically review and update our retention policy as regulations evolve.

Accuracy of Personal Information

We strive to keep your personal information up-to-date and accurate. Please get in touch with us if you need to update or correct any information in your policy records.

Disclosure of Personal Information

We may disclose your personal information to select third parties in the course of conducting business, including:

Insurance Partners

  • Insurance carriers and underwriters
  • Reinsurers and brokers
  • Claims administrators and adjusters

Service Providers

  • Cloud storage and IT service providers
  • Payment processors
  • Marketing service providers
  • Communications service providers
  • Legal and accounting services

As Permitted or Required by Law

We may also disclose your personal information to third parties:

  • To comply with legal or regulatory obligations
  • To prevent fraud and enhance cybersecurity
  • As part of a merger, acquisition, or asset sale
  • To protect the rights and safety of others
  • With your consent or at your request

Third parties who access your personal information must keep it confidential and secure and not use it for any unauthorized purpose.

Your Privacy Rights

You have certain rights and controls over your personal information, including rights to:

  • Access your data
  • Correct or update your data
  • Withdraw consent
  • Request deletion of your data
  • Restrict the processing of your data
  • Opt-out of communications

If you wish to exercise these rights, please get in touch with our Privacy Officer. We will respond to your request by applicable privacy laws.

Privacy Questions or Concerns

The Privacy Officer oversees compliance with this Privacy Policy. Please get in touch with us if you have any questions or concerns about our privacy practices:

Privacy Officer

Email: [email protected]

Phone: 1 877-611-6722

Address: ORCA Financial Publishers, 36 Toronto St #850, Toronto, ON M5C 2C5, Canada

Changes to this Policy

We may occasionally update this Privacy Policy as required to reflect changes in regulations, technology, legal requirements, company operations, and privacy practices.

Your continued use of our website or services after any changes indicates your acceptance of the revised Privacy Policy.

This policy was last updated on June 1st, 2024.


Protecting your personal information is a priority for This Privacy Policy summarizes our practices regarding your personal data collection, use, disclosure, and security.

We follow the highest standards of ethics, transparency, accuracy, and accountability in handling your information. Please get in touch with us with any questions or concerns about this policy or your privacy.

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