how we collect, use, disclose and store your personal information.
• The personal information we collect
• Why we need the information
• Third-Party collection and transfer of your personal information
• Your consent to our collection, use and disclosure of your information
• Protecting your personal information
• Your right to request access to your personal information
• Accuracy of personal information
• The duration for keeping your personal information
• Withdrawing your consent regarding the receipt of product information
• How to contact us
The personal information we collect
We only collect the information we need for the purposes of providing and servicing your financial and insurance products. Personal information means information about an “identifiable individual” and may include:
• Credit information
• Health information
• Net worth
• Marital status
• Date of birth
• Social insurance number, Drivers License, Passport
• Citizenship status
• Name, home address and phone number
Your consent to our collection, use and disclosure of your information
We will only collect, use or disclose personal information with your consent, except as required by law.
Your consent is required for the collection, use or disclosure of your personal information, except where required by law. Consent may be oral or written, express (eg. Providing your personal information on an application form)
or implied (e.g. Not withdrawing your consent to a certain use of your personal information when given the
opportunity to do so) your authorized representative may give consent on your behalf.
You can withdraw your consent for us to collect, use and disclose your personal information any time, subject to legal and contractual restrictions and reasonable notice
Protecting your personal information
We are responsible for all personal information under our control. We maintain a file of your personal information. Only Klyne Insurance Inc. employees, agents and authorized service providers who need your personal information to do their jobs are given access to your personal information.
We have developed physical, electronic and procedural safeguards intended to safeguard your personal
information against loss, theft, unauthorized disclosure, copying and unauthorized use or modification. This is
includes shredding old documents for disposal, locking of cabinets and file rooms, regular password updates for computer files. However, we are not responsible for the privacy practices and policies of companies or
organizations who may obtain personal information independently of any relationship they may have with us. We are not also responsible for the privacy practices and policies of companies or organizations to whose websites our websites may provide links. Please review the privacy policies of these companies and organizations before providing your personal information.
If we hold any personal information about you. However, if we have any sensitive medical information about you from a third party, we will only release this information through your physician.
How we have used and are using any personal information about you.
To whom we have disclosed any personal information about you.
Your right to request access to your personal information, You have the right to know.
You can write to us if you want to access the personal information we have about you. In some situations, you
may not be able to access all of your personal information. For example, we may not be able to disclose
information. For example, we may not be able to disclose information if it would reveal personal information about a third party or would reveal confidential commercial information
Accuracy of personal information
We will try to ensure that the personal information collected and used is accurate and, where necessary,
updated. You have the right to request correction of any inaccurate or incomplete information about you in our possession.
The duration for keeping your personal information
Your personal information will only be kept as long as it is needed or as required by law. The length of time that
we keep your personal information will depend upon the product or service that we provide to you and the nature of the information.
Withdrawing your consent regarding the receipt of product information
If you do not want your personal information to be used for marketing or promotional purposes, please:
i) follow the procedures, where available, indicated at the point of collection to “opt out” so that your personal
information is not collected or used or disclosed for those purposes; or
ii) Where an opt out is not offered, let your advisor know that you wish to opt out.
How to contact us
Requests for access to or an update or correction of your personal information or privacy-related questions,
complaints or comments may be directed in writing to Financial Horizons’ Compliance Officer at the following
ATTN: Malcolm Graham
Klyne Insurance Inc.
22 Frederick St. Suite 112