Protect & Prosper Canada (“we,” “us,” or “our”) is committed to protecting your privacy and handling your personal information in a fair, transparent, and secure manner.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you:

• visit our website;
• register for a seminar, webinar, or educational event;
• request a 1-on-1 meeting or consultation;
• contact us by form, email, phone, or text message; or
• interact with our website tools, analytics, or marketing communications.

We operate in Canada and handle personal information in accordance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, Canada’s Anti-Spam Legislation (CASL) for electronic marketing communications.

1. What personal information we collect

Depending on how you interact with us, we may collect:

• your name;
• email address;
• phone number;
• city or general location;
• seminar or meeting preferences;
• information you provide in inquiry or intake forms;
• general information about your financial goals or areas of interest, such as insurance protection, savings, retirement planning, education savings, or estate-related concerns;
• communication preferences and consent records;
• technical information such as IP address, browser type, device information, website activity, referral source, and page visits;
• other information you voluntarily provide to us.

We aim to collect only the information reasonably necessary for the identified purpose. We ask that you do not submit highly sensitive personal information through website forms unless specifically requested through a secure process. This inter alia includes items such as Social Insurance Numbers, detailed medical information, full banking information, or government-issued identification documents. PIPEDA requires organizations to limit collection to what is needed for legitimate identified purposes.

2. Why we collect your information

We collect personal information for purposes such as:

• registering you for seminars, webinars, and educational events;
• contacting you about your registration or attendance;
• scheduling and confirming 1-on-1 meetings or consultations;
• understanding the reason for your inquiry so we can respond appropriately;
• providing information about our services, where permitted by law;
• sending follow-up communications you have requested or consented to receive;
• maintaining records of inquiries, registrations, and consent;
• improving our website, user experience, and communications;
• protecting our systems, preventing misuse, and meeting legal, regulatory, or compliance obligations.

Under PIPEDA, organizations must identify the purposes for collecting personal information, and those purposes must be ones a reasonable person would consider appropriate in the circumstances.

3. Consent

By submitting your information through our website, you consent to our collection, use, and disclosure of your personal information as described in this Privacy Policy, subject to applicable law.

Where required, we will seek your express consent, especially for marketing communications. To make consent meaningful, we aim to explain what information we collect, why we collect it, and how it may be used or shared. PIPEDA requires meaningful consent for the collection, use, and disclosure of personal information.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawal of consent may affect our ability to provide certain services or respond to specific requests.

4. Marketing emails and text messages

If you opt in to receive promotional or follow-up communications, we may send you emails or text messages about seminars, educational content, services, or meeting opportunities.

Where a message is a commercial electronic message, we will aim to comply with CASL by:

• obtaining the required consent;
• identifying ourselves clearly; and
• including an unsubscribe or opt-out method where required.

You may unsubscribe from marketing emails at any time by using the unsubscribe link in the message or by contacting us at the contact details below. CASL generally requires consent, sender identification, and a working unsubscribe mechanism for commercial electronic messages.

5. How we use your information

We may use personal information to:

• respond to questions and meeting requests;
• personalize our communications and follow-up;
• assess what type of meeting, seminar, or information may be relevant to you;
• maintain internal business records;
• manage client and prospective client relationships;
• detect fraud, misuse, or technical issues;
• comply with legal, regulatory, licensing, recordkeeping, and compliance obligations.

Unless required or permitted by law, we will only use or disclose personal information for the purposes for which it was collected, or for a compatible purpose you have consented to. PIPEDA limits use, disclosure, and retention to identified purposes unless consent or legal authority allows otherwise.

6. When we may disclose information

We do not sell personal information.

We may share personal information with:

• service providers who help us operate our website, appointment forms, email systems, analytics, CRM tools, or communications;
• professional advisors, compliance consultants, or auditors where reasonably necessary;
• insurers, agencies, MGAs, or product providers, but only where appropriate and relevant to a requested service, application, or follow-up process;
• regulators, law enforcement, courts, or other parties where required or permitted by law.

When we use service providers, we expect them to protect personal information and use it only for authorized purposes.

7. Website analytics, cookies, and similar tools

Our website may use cookies, pixels, analytics, or similar technologies to understand website traffic, page usage, ad performance, and user interactions.

These tools may collect information such as:

• IP address;
• browser and device type;
• pages visited;
• time spent on pages;
• referral source;
• actions taken on the website.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.

8. Third-party websites and tools

Our website may contain links to third-party websites, booking tools, webinar platforms, or social media pages. We are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies before providing personal information.

9. How we protect personal information

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information we hold. These may include access controls, password protection, secure service providers, limited-access systems, staff training, and other reasonable security practices.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. However, PIPEDA requires organizations to protect personal information with safeguards appropriate to its sensitivity and against loss, theft, unauthorized access, disclosure, copying, use, or modification.

10. Retention

We retain personal information only as long as necessary for the purposes for which it was collected, and as needed to satisfy legal, regulatory, compliance, or recordkeeping obligations. When personal information is no longer required, we will securely delete, destroy, anonymize, or de-identify it as appropriate.

PIPEDA requires organizations to limit retention and not keep personal information longer than necessary for identified purposes.

11. Access and correction

You may request access to the personal information we hold about you, subject to limited exceptions permitted by law. You may also request corrections to inaccurate or incomplete information.

PIPEDA’s openness and individual access principles require organizations to make their privacy practices readily available and to provide access to personal information on request, subject to lawful limits.

To make a request, contact us using the details below.

12. Cross-border service providers

Some of our technology or service providers may store or process information outside your province or outside Canada. In such cases, personal information may be subject to the laws of the jurisdiction in which it is processed.

13. Children’s privacy

Our website and services are intended for adults. We do not knowingly collect personal information from children without appropriate authorization.

14. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or services. The updated version will be posted on this page with a revised effective date.

15. Contact us

If you have questions about this Privacy Policy, want to withdraw consent, unsubscribe from communications, request access to your personal information, or make a privacy complaint, contact:

Protect & Prosper Canada
Privacy Contact: Lukas Jocius
Email: lukas@affinityontario.com