Privacy Policy

1. Personal Information We Collect

Information You Provide Directly

I may collect personal information that you voluntarily provide, including:

• Name
• Contact information (email address, telephone number, mailing address)
• Province of residence
• Information shared through contact forms, emails, meetings, or consultations
• Details relevant to insurance discussions, reviews, or applications

When insurance coverage is applied for, additional personal and financial information may be required by insurers for
underwriting and regulatory purposes. This information is collected only when necessary and with your knowledge and
consent.

Automatically Collected Information

When you visit this Website, limited technical information may be collected automatically, such as:

• IP address
• Browser and device type
• Pages visited and time spent on the site
• Referral source

This information is used only to improve website performance and user experience.

2. How Personal Information Is Collected

Information may be collected through:

• Website contact forms
• Email or telephone communication
• Virtual or in-person meetings
• Insurance application and review processes
• Website analytics tools and cookies

3. How Personal Information Is Used

Personal information is used for the following purposes:

• Responding to inquiries and consultation requests
• Explaining insurance products and options in plain language
• Reviewing existing coverage and identifying potential gaps
• Submitting insurance applications and supporting underwriting
• Communicating with insurance carriers on your behalf
• Meeting legal, regulatory, and FSRA record-keeping requirements
• Improving Website content and functionality

Personal information is never sold, rented, or traded.

4. Disclosure of Personal Information

With Your Consent

If you choose to proceed with insurance coverage, relevant information may be shared with:

• Insurance companies and underwriters
• Managing general agencies (MGAs)
• Policy administration and service providers

Only the information required for the requested service is shared.

Regulatory and Legal Requirements

As required by FSRA and other applicable laws, personal information may be disclosed:

• To regulatory authorities
• To comply with legal obligations or audits
• To respond to lawful requests or court orders

Service Providers

Limited information may be shared with trusted third-party service providers (such as secure data storage, website
hosting, or analytics providers). These providers are required to safeguard information and use it only for
authorized purposes.

5. Record Retention

As required by FSRA and insurance carriers, certain personal information must be retained for a prescribed period of
time, even if you choose not to proceed with coverage. Records are stored securely and retained only as long as
necessary to meet regulatory and legal obligations.

6. Data Storage and Cross-Border Processing

Some service providers (such as website hosting or analytics services) may store information outside of Canada. When
this occurs, reasonable safeguards are used to ensure personal information receives a level of protection comparable
to Canadian privacy standards.

7. Safeguarding Personal Information

Reasonable physical, administrative, and technical safeguards are used to protect personal information, including:

• Secure systems and access controls
• Password-protected files and devices
• Restricted access to sensitive information

While reasonable measures are taken, no electronic transmission or storage method can be guaranteed to be completely
secure.

8. Your Rights

Under Canadian privacy law, you have the right to:

• Access your personal information
• Request corrections to inaccurate or incomplete information
• Withdraw consent, subject to legal or regulatory requirements
• Ask how your information is collected, used, or disclosed

Requests can be made by contacting:
david@dave-escuadro.com

9. Children’s Privacy

This Website is not intended for individuals under 18 years of age. Personal information from minors is not knowingly
collected.

10. Third-Party Websites

This Website may contain links to third-party websites. I am not responsible for their privacy practices, and their
policies govern how information is handled once you leave this site.

11. Contact Information

For privacy-related questions or concerns:

David Escuadro
Licensed Life Insurance Agent (Ontario)
Email: david@dave-escuadro.com
Website: www.dave-escuadro.com

12. Updates to This Policy

This Policy may be updated from time to time to reflect changes in legislation, FSRA requirements, services, or
business practices. Any updates will be posted on this page.

Last updated: January 2026