Understanding Our Privacy Policy for You

1. Introduction

Safe Horizon Financial (“we,” “us,” “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information through our website, safehorizonfinancial.ca (the “Site”). We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA), the British Columbia Personal Information Protection Act (PIPA), and other applicable privacy laws.

2. What Personal Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address.

• Demographic Data: Age, occupation, or other demographic details that you voluntarily provide.

• Financial Information: Limited financial details you provide when requesting quotes or consultations (e.g., insurance needs).

• Usage Data: Information about how you access and use the Site, including IP address, browser type, pages visited, referring/exit pages, and date/time stamps.

• Cookies and Tracking Technologies: We use cookies and similar technologies to enhance user experience, analyze site traffic, and understand user behavior. You can disable cookies through your browser settings, though some features may not function properly.

3. How We Use Your Information

We use personal information for the following purposes:

• Service Delivery: To provide and maintain our services, process requests for quotes, and communicate with you about your inquiries.

• Customer Support: To respond to your questions or feedback and assist you with any issues.

• Marketing and Communication: To send promotional emails, newsletters, and other communications about our services that may be of interest to you (with your consent, as required by Canadian Anti-Spam Legislation (CASL)).

• Analytics and Improvements: To monitor usage patterns, analyze Site performance, and enhance our offerings.

• Compliance: To comply with legal obligations and protect our rights or property.

4. How We Share Your Information

We do not sell or rent your personal information. We may share it under these limited circumstances:

• Service Providers: We may engage third-party service providers to perform functions on our behalf (e.g., email distribution, web hosting, analytics). These providers are bound by confidentiality obligations.

• Legal Obligations: We may disclose personal information if required by law, regulation, or court order, or if we believe such disclosure is necessary to protect our rights, property, or safety, or that of others.

• Business Transfers: If Safe Horizon is involved in a merger, acquisition, sale of assets, or other business transition, your information may be transferred as part of the transaction. We will notify users before the transfer.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, theft, and misuse. However, no method of transmission over the internet or storage method is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, or to resolve disputes. When information is no longer required, we will securely destroy, erase, or anonymize it.

7. Your Rights and Choices

Under Canadian privacy law, you have the right to:

• Access and Correct Your Information: Request access to personal information we hold about you and ask for corrections if it is inaccurate or incomplete.

• Withdraw Consent: Withdraw consent to the collection, use, or disclosure of your personal information (subject to legal or contractual restrictions and reasonable notice).

• Opt Out of Marketing Communications: Unsubscribe from our marketing emails by following the link in those communications or by contacting us directly.

• Complain to a Regulator: Lodge a complaint with the Office of the Privacy Commissioner of Canada or your provincial privacy regulator if you believe your privacy rights have been violated.

To exercise these rights, please contact us using the contact details at the end of this policy.

8. Children’s Privacy

Our Site is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe that a child under 18 has provided us with personal information, please contact us immediately so we can take appropriate action.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a new “last updated” date. Your continued use of the Site after changes indicates your acceptance of the updated policy. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Safe Horizon Financial
Email: kbigas@safehorizonfinancial.ca
Phone: 778‑300‑7663