Our Commitment to Protecting your Privacy, our Policy
Collecting personal information about you is essential to our ability to offer you high-quality investment, retirement and insurance products and to provide you with on-going service relating to your lifetime financial needs. We take great care to keep your personal information which we collect accurate, confidential and secure.
- How we collect, use and disclose personal information.
- We will protect your personal information
We ask you for only the information we need
We collect only the information we need for the purposes we have identified to you.
Our files are kept for the purpose of providing and servicing financial and insurance products and services that we believe are right for you, over your lifetime.
We will not sell your personal information.
Why we need the information
Generally, we need to collect personal information to:
- understand your needs,
- determine your eligibility,
- continue to offer you the full range of products and services that we believe meet your changing needs and to service such products and services,
- meet regulatory or contractual requirements relating to the services and products provided to you.
We will make sure you understand why we need the information by using clear, understandable language when we identify the purpose.
We will obtain your permission
We collect, use or disclose your personal information with your permission.
Your permission may be expressed in writing or be implied and you may give it to us verbally, electronically, or through your authorized representative.
You may withdraw your permission to collect, use and disclose your personal information at any time, subject to legal and contractual restrictions and reasonable notice.
Where medical information about you is collected or released, we will obtain your consent to do so.
Before we make information available to third parties, other than an agent or service provider who needs it, we will tell you at the time we obtain your consent or before we make the information available, who those persons or organizations are, the kind of information we want to share with them and why.
We will limit how long we keep information
We will keep your personal information as long as it is necessary, including updating the product or service or as required by law.
When we destroy personal information, we will use safeguards to prevent unauthorized parties from gaining access to the information during the process.
We are responsible for your information
We are responsible for all personal information in our possession, including information transferred to a third party service provider or agent, so that we can provide you with a product or service.
All employees, agents and authorized service providers are required to protect the confidentiality of your personal information.
How we protect information
Access to your personal information is restricted to those employees, agents and authorized service providers who need it to do their jobs.
We have developed and are continuing to enhance security procedures to safeguard and protect personal information against loss, theft, unauthorized disclosure, copying, and unauthorized use or modification. We will maintain appropriate safeguards and security procedures that reflect the types of documents, including electronic or paper records, organizational measures including security clearances and limiting access on a "need-to-know" basis, and technological measures such as the use of passwords and encryption. While we endeavour to protect all information, the most sensitive information, such as medical information, receives the highest level of protection.
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