Privacy Policy

1. Who We Are

Best Planners Inc. ("we", "us", "our") is a licensed insurance and financial advisory firm incorporated in Ontario, Canada, with its principal place of business in Brampton, Ontario. We are committed to protecting the privacy of individuals who interact with our website and engage our services.

2. Applicable Law

We collect, use, and disclose personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation. Where required by our regulators, we also comply with the insurance licensing requirements of the Financial Services Regulatory Authority of Ontario (FSRA).

3. Information We Collect

We may collect the following categories of personal information:

• Contact information: name, mailing address, email address, and telephone number.
• Identification information: date of birth and, in some cases, government-issued identification numbers required for regulatory purposes.
• Financial information: income, assets, liabilities, and existing coverage details needed to provide suitable insurance and financial recommendations.
• Health and medical information: details about your current and past health status collected through insurance application forms, as required by insurers to underwrite life, disability, or critical-illness coverage.
• Usage information: IP address, browser type, and pages visited on this website, collected automatically via cookies and server logs.

4. Why We Collect It

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

• Assessing your insurance and financial planning needs and providing tailored recommendations.
• Submitting insurance applications to licensed carriers on your behalf.
• Fulfilling regulatory and compliance obligations imposed by FSRA and our insurers.
• Communicating with you about your policies and our services.
• Improving the content and functionality of this website.

5. Consent

By submitting a form on this website or engaging our advisory services, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw consent at any time by contacting us in writing; however, withdrawal may limit our ability to provide certain services. Where sensitive health information is involved, we obtain your explicit consent before collection.

6. Disclosure to Third Parties

We do not sell your personal information. We may share it with:

• Licensed insurance carriers to whom we submit applications on your behalf.
• Our managing general agents (MGAs) as required by carrier agreements.
• Technology service providers who host this website or our practice management software, subject to contractual confidentiality obligations.
• Government authorities or regulators where required or permitted by law.

7. Retention

We retain personal information for as long as necessary to fulfill the purposes described above and to comply with regulatory record-keeping requirements applicable to licensed insurance advisors in Ontario. After that period, information is securely destroyed or anonymized.

8. Security

We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information to protect it against loss, theft, unauthorized access, disclosure, copying, use, or modification.

9. Your Rights

You have the right to request access to the personal information we hold about you, to request corrections, and to ask questions about our privacy practices. To exercise these rights, contact our Privacy Officer at the address below. We will respond within 30 days.

10. Cookies

This website may use cookies and similar tracking technologies to improve user experience and analyze traffic. You may configure your browser to decline cookies; however, some features of the site may not function as intended.

11. Changes to This Policy

We may update this policy from time to time. The "Last updated" date at the top of this page will reflect any changes. Continued use of our website or services after a change constitutes acceptance of the updated policy.

12. Contact Us

Questions, complaints, or requests regarding this policy should be directed to our Privacy Officer at: Best Planners Inc., 195 Queen St E, Brampton, ON L6W 2B3 · info@bestplanner.ca. If you are not satisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca.