Privacy Policy

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.

• 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. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.
• 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.
  
• 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. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.
• 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.
• 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.
• Through our insurance quoting tools, advisor booking forms, and lead generation campaigns conducted on third-party advertising platforms (including Google Ads and Meta).

Information You Provide to Us

The information we collect directly from you on or through our Website may include:

• Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
• Records and copies of your correspondence (including email addresses), if you contact us.
  
• Your responses to surveys that we might ask you to complete for research purposes.
• Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
• Your search queries on the Website.
• Insurance needs assessment responses, advisor consultation notes, and any documents uploaded in support of an insurance application.

You may also provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that unauthorized persons will not view your User Contributions.

Information We Collect Through Cookies and Other Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use cookies or other automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.
  

Where required by applicable law, you may be presented with a cookie consent mechanism allowing them to accept or manage certain categories of cookies. We may also use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

The information we collect automatically is statistical information and may include personal information, and we may maintain it or associate it with personal information we collect in other ways, that you provide to us, or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website according to your individual interests.
  
• Speed up your searches.
  
• Recognize you when you return to our Website.
  

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings that are used for browser cookies.
  
• Web Beacons. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
  

Third Party Use of Cookies and Other Tracking Technologies

Some content or applications on the Website, including advertisements, are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioural) advertising or other targeted content.

In addition to helping advertisers reach the right people for their products and services, behavioural advertising helps support our Website so that you can enjoy free content.

You can opt-out of several third-party ad servers’ and networks’ cookies simultaneously by using specific tools provided by third parties. We do not control these third parties’ tracking technologies or how they are used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

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.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Automated Decision-Making and Profiling

We may use automated systems, analytics tools, or algorithms to analyze certain information collected through the Website in order to improve our services, enhance user experience, detect fraud, or personalize content, communications, or advertisements.

These systems may evaluate information such as usage patterns, browsing activity, interaction with the Website, and other technical or behavioral data. Automated analysis may be used to:

• understand how users interact with the Website;
• improve the functionality and performance of our services;
  
• personalize user experiences or communications; and
  
• support marketing and advertising activities.
  

We do not make decisions that produce legal or similarly significant effects concerning users based solely on automated processing without appropriate safeguards.

Mobile Information and SMS Communications

If you provide your mobile phone number through the Website, we may use it to communicate with you regarding your account, services you request, or other operational communications.

Information sharing to service providers or subcontractors is permitted only to the extent necessary to support business operations (for example, customer service or technical service providers). In such cases, those providers are required to maintain the confidentiality of the information and may only use it for the purposes for which it was disclosed. You may opt out of receiving SMS communications at any time by following the instructions included in the message or by contacting us using the contact information provided in this policy.

Artificial Intelligence and Data Processing Technologies

We may use artificial intelligence, machine learning, or other automated technologies to assist in analyzing information collected through the Website and to improve our services. These technologies may be used to:

• analyze website usage patterns;
• improve customer support or service delivery;
  
• enhance security, fraud detection, or risk monitoring; and
  
• improve marketing effectiveness or personalization of content.
  

Where such technologies are used, they operate as tools to assist our business operations and do not replace human oversight in material decision-making processes.

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, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Dundas Life Incorporated about our customers and users is among the assets transferred.
  
• 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 (such as analytics and search engine providers that assist us with Website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.
  
• 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.
  

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law.
• To enforce or apply our Terms of Service and other agreements, including for billing and collection purposes.
  
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Dundas Life Incorporated, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
  

Insurance and Brokerage Services Disclosure

Because Dundas Life Incorporated operates in connection with insurance brokerage, insurance technology, or related services, personal information you provide through the Website may be collected, used, or shared for the purpose of facilitating insurance quotes, insurance applications, underwriting, policy administration, or related brokerage services. Where applicable, your personal information may be shared with licensed insurance brokers, insurers, underwriting partners, or other service providers involved in the provision of insurance products or services you request. These organizations may collect, use, or disclose your personal information in accordance with their own privacy policies and applicable regulatory requirements. We take reasonable steps to ensure that such parties are contractually or legally required to protect personal information and use it only for the purposes for which it was disclosed.

Data Processing Roles

Depending on the nature of your interaction with our services, Dundas Life Incorporated may act either as a data controller or as a service provider processing information on behalf of third parties. When we determine the purposes and means of processing personal information, we act as the organization responsible for that personal information under applicable privacy laws. In other circumstances, we may process personal information on behalf of partners, service providers, or customers in accordance with contractual obligations. In all cases, we take reasonable steps to ensure that personal information is processed only for legitimate business purposes and in accordance with applicable privacy legislation.

Referral to Third-Party Service Providers

In certain circumstances, Dundas Life Incorporated may refer users or potential clients to third-party service providers, including licensed insurance brokers, insurers, financial service providers, or other professional advisors. These referrals may occur where we believe another provider is better suited to assist with a particular request or where services are delivered in collaboration with third-party partners.

Where a referral occurs, the third party will be responsible for the services they provide and for their own privacy practices. Any personal information shared in connection with a referral will be limited to what is reasonably necessary to facilitate the requested services and will be handled in accordance with applicable privacy laws and contractual confidentiality obligations.

TRANSFERRING YOUR PERSONAL INFORMATION

We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.

We may process, store, and transfer your personal information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country. Whenever we engage a service provider, we require that its privacy and security standards adhere to this policy and applicable Canadian privacy legislation.

You are welcome to contact us to obtain further information about Company policies regarding service providers outside of Canada. See Contact Information and Challenging Compliance. By submitting your personal information or engaging with the Website, you consent to this transfer, storage, or processing.

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Website may not be accessible or may not function properly.
• Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by checking the relevant box located on the form where we collect your data (the registration form). You can also opt-out by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to support@dundas.life.
  
• Promotional Offers from the Company. If you have opted in to receive certain emails from us but no longer wish to have your contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by checking the relevant box located on the form on which we collect your data (the registration form) or at any other time by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to support@dundas.life. If we have sent you a promotional email, you may unsubscribe by clicking the unsubscribe link we have included in the email. This opt-out does not apply to information provided to the Company as part of a product purchase, warranty registration, product service experience, or other transactions.
  

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of several third party ad servers’ and networks’ cookies simultaneously by using an opt-out tool created by third party. Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.

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. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

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. We will also take reasonable steps to mitigate the effects of the breach and prevent future incidents.

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.

You can review and change your personal information by logging into the Website and visiting your account profile page.

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. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

We may request specific information from you to help us confirm your identity and your right to access, and to provide you with the personal information that we hold about you or make your requested changes. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal information, we will inform you of the reasons why, subject to any legal or regulatory restrictions.

We will provide access to your personal information, subject to exceptions set out in applicable privacy legislation. Examples of such exceptions include:

• Information protected by solicitor-client privilege.
• Information that is part of a formal dispute resolution process.
  
• Information that is about another individual that would reveal their personal information or confidential commercial information.
  
• Information that is prohibitively expensive to provide.
  

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.