Privacy Policy — Dundas Brokers

Introduction

Dundas Life Incorporated, an Ontario corporation, operating under the business name of Dundas Life, Dundas Wealth, and Dundas Brokers and any future affiliates and subsidiaries (“Company” or “We”) respect your privacy and are committed to protecting it by complying with this policy.

By accessing or using this Website, you acknowledge that you have read and understood this Privacy Policy and agree to be bound by its terms. Your use of the Website also constitutes acceptance of the applicable Terms of Service and any related policies governing the use of our services, which are available at the following links: https://www.dundaslife.com/terms-conditions, https://www.dundasbrokers.com/terms, and https://www.dundaswealth.ca/terms

If you do not agree to this Privacy Policy or the applicable Terms of Service, you must not access or use the Website.

This Privacy Policy applies to personal information collected by Dundas Life Incorporated through its websites, online services, and related interactions with users and customers. This policy describes:

How we collect, use, disclose, and protect the personal information of our customers and website users (“you”).
Describes the types of information we may collect from you or that you may provide when you visit the websites www.dundaslife.com, www.dundaswealth.ca, and www.dundasbrokers.com and any related websites operated by Dundas Life Incorporated (collectively, the “Website”).
Our practices for collecting, using, maintaining, protecting, and disclosing that information.

We will only use your personal information in accordance with this policy unless otherwise required by applicable law. We take steps to ensure that the personal information that we collect about you is adequate, relevant, not excessive, and used for limited purposes.

Privacy laws in Canada generally define “personal information” as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person. Personal information does not include business contact information, including your name, title, or business contact information.

This policy applies to information we collect, use, or disclose about you:

On this Website.
In email, text, and other electronic messages between you and this Website.
Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.
When you interact with us through social media platforms (including Instagram, LinkedIn, YouTube, Facebook, X, and TikTok). Through referral partners, including licensed insurance brokers, financial advisors, or professional partners who may refer you to our services.

The Website may include links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read the privacy policy of every website you visit.

This policy DOES NOT apply to information that:

We collect offline or through any other means, including on any other Company or third-party website.
You provide to or is collected by any third party, through any application or content (including advertising) that may link to or be accessible from or on the Website.
You provide to or is collected by any third party, including referral partners, insurers, or financial institutions, except where such information is shared with us in accordance with this policy.

Dundas Life Incorporated complies with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), where applicable. Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you indicate that you understand, accept, and consent to the practices described in this policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes indicates that you accept and consent to those changes, so please check the policy periodically for updates. We will notify you in advance of any material changes to this policy and obtain your consent to any new ways that we collect, use, and disclose your personal information.

Use of the Website or communication with Dundas Life Incorporated through the Website does not create a client, brokerage, advisory, or other professional relationship between you and Dundas Life Incorporated. No such relationship is formed unless and until a written agreement has been entered into between you and Dundas Life Incorporated that expressly governs the services to be provided.

Information We Collect About You

We collect and use several types of information from and about you, including:

Personal information, that we can reasonably use to directly or indirectly identify you, such as your name, mailing address, e-mail address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name or other similar identifier, billing and account information, date of birth, gender, smoking status, health information (as provided through insurance quoting or application forms), income and financial information, employment status, beneficiary details, and coverage preferences, and any other identifier we may use to contact you (“personal information”). We provide an opportunity for any user to unsubscribe from our email marketing and SMS communications or opt-out of contact for marketing or promotional purposes on an ongoing basis by accessing our Website, using the unsubscribe mechanism at the bottom of our e-mails, or e-mailing us at support@dundas.life and by replying STOP to any SMS message.
Business-related information, namely information that related to your business duties, including: title; duties; business address; business email address; and business telephone number.
Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as demographic information, or statistical or aggregated information.
Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access our Website, and usage details.
Non-personal details about your Website interactions, including the full Uniform Resource Locators (URLs), clickstream to, through and from our Website (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.
Insurance-related information, including coverage amounts, policy types, health and lifestyle information provided for the purpose of obtaining insurance quotes or applications, corporate structure and retained earnings information (for Dundas Wealth services), and broker licensing and commission information (for Dundas Brokers services).

How We Collect Information About You

We use different methods to collect your information, including through:

Direct interactions with you when you provide it to us, for example, by filling in forms or corresponding with us by phone, email, or otherwise.
User contributions. You may also provide information for us to publish or display on public Website areas or transmit to other Website users or third parties.
Automated technologies or interactions, as you navigate through our Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
Third parties or publicly available sources, for example, our business partners.
Through our insurance quoting tools, advisor booking forms, and lead generation campaigns conducted on third-party advertising platforms (including Google Ads and Meta).

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.
To provide you with information, products, or services that you request from us.
To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it.
To provide you with notices about your account, including service updates, policy-related communications, and renewal notices.
To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements.
To notify you about changes to our Website or any products or services we offer or provide through it.
To improve our Website, products or services, marketing, or customer relationships and experiences.
To allow you to participate in interactive features, social media, or similar features on our Website.
To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you.
To facilitate insurance quoting, applications, and brokerage services. To match you with appropriate insurance products or licensed advisors. To process referrals to or from third-party service providers. To operate and improve our insurance technology platform (Dundas Brokers).
In any other way we may describe when you provide the information.
For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you, as permitted by law. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data (the registration form), adjust your user preferences in your account profile, use the unsubscribe mechanism at the bottom of our e-mails or e-mail us at support@dundas.life.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
In accordance with applicable law, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Dundas Life Incorporated’s assets.
To advertisers and advertising networks that require the information to select and serve relevant advertisements to you and others.
To third parties to market their products or services to you if you have not opted out of these disclosures.
To contractors, service providers, and other third parties we use to support our business and who are contractually obligated to keep personal information confidential.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.
To licensed insurance carriers, underwriters, and reinsurers in connection with insurance applications or policy administration. To licensed insurance brokers participating in the Dundas Brokers platform. To referral partners where you have been referred to or from a third-party service provider.

Data Security

The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk.

In the event of a breach of security safeguards involving personal information under our control that creates a real risk of significant harm, we will take steps required under applicable privacy laws, including notifying affected individuals and reporting the breach to the appropriate regulatory authorities where required.

Data Retention

Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at support@dundas.life.

Accessing and Correcting Your Personal Information

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes. By law you have the right to request access to and to correct the personal information that we hold about you.

If you want to review, verify, correct, or withdraw consent to the use of your personal information you may also send us an email at support@dundas.life to request access to, correct, or delete any personal information that you have provided to us.

If you are concerned about our response or would like to correct the information provided, you may contact our Privacy Officer at support@dundas.life.

Withdrawing Your Consent

Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact us at support@dundas.life.

Please note that if you withdraw your consent we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the email address specified in your account or through a notice on the Website home page.

We include the date the privacy policy was last revised at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information and Challenging Compliance

We welcome your questions, comments, and requests regarding this privacy policy and our privacy practices. Please contact us at:

Privacy Officer at support@dundas.life

We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this policy, and with applicable privacy laws. To discuss our compliance with this policy please contact our Privacy Officer using the contact information listed above.