Privacy Policy

1. Introduction

Money Freedom Inc. and its parent and affiliated companies (“MoneyFreedom,” “we,” “us,” or “our”) operate [www.moneyfreedom.ca] (the “Site”). Through the Site you can compare insurance quotes, receive advice, and apply for coverage online (collectively, the “Services”).
Your privacy matters to us. This Privacy Policy explains what personal information we collect, how we use and protect it, when we share it, and the choices you have. Please read it carefully before using the Site or Services. By visiting or using the Site you agree to the practices described here. If you do not agree, do not use the Site or Services.
This Policy is part of our [Terms of Service] (https://www.moneyfreedom.ca/terms-of-service/). Capitalized terms not defined here have the meanings given in the Terms.

2. Scope & Jurisdiction
We follow the *Personal Information Protection and Electronic Documents Act (PIPEDA)* and applicable provincial laws. If you access the Site from outside Canada you consent to your information being transferred to, processed, and stored in Canada, where privacy laws may differ from your home country.

3. Updates to This Policy
We may change this Policy as our business, technology, or legal obligations evolve. When we do, we’ll post the revised version here and update the “Last updated” date. Material changes will be highlighted or otherwise communicated as required by law. Continuing to use the Site means you accept the revised Policy.

4. What Counts as “Personal Information”?
“Personal information” means data that identifies you—or could identify you—on its own or combined with other details.

5. The Information We Collect

How we collect it. Examples of data. Why we need it
You give it to us: Name, address, email, phone, age, date of birth, marital status, citizenship, occupation, income range, health info (height, weight, smoking status, medical history), driving & insurance history, mortgage & debt details. Generate quotes, assess insurance needs, submit applications, create your account, contact you, comply with law.

Third parties: Underwriting results, medical-exam details, application updates from insurers, CRM data
Process applications, verify info, update your quote or policy status
Automatically: IP address, device type, browser, referring URL, pages visited, time on page, error logs, approximate location
Site performance, security, analytics, targeted advertising
We use cookies and similar tech for functionality, analytics, and marketing. You can manage cookies in your browser settings, but some features may not work if you disable them.

6. How We Use Your Information
* Provide, operate, and improve the Site and Services
* Generate and refine insurance quotes
* Submit and manage applications with insurers
* Verify identity and prevent fraud
* Send transactional messages (e.g., quote updates, appointment reminders)
* Send marketing messages (if you opt in)
* Conduct analytics, research, and product development (using aggregated or de-identified data where possible)
* Meet legal and regulatory requirements

7. Communications

Transactional: Sent automatically as part of the Service (account creation, password resets, quote status). You can’t opt out of these.
Marketing: Newsletters, offers, and product updates. We send these only with your consent, and every message includes an unsubscribe link.

8. When We Share Your Information

Who gets it. What for & Safeguards

Insurers / Managing General Agent | Underwriting, pricing, issuing your policy | Governed by each insurer’s privacy policy once submitted |
| *Service Providers* (hosting, analytics, CRM, SMS/email, appointment scheduling) | Operate the Site, support customer service, process data | Contractually required to protect and use info only for our purposes |
| *Legal / Business Transfers* | Comply with law, enforce terms, protect rights, or during mergers, acquisitions, or asset sales | Limited to what’s necessary |
| *No sale to third-party marketers* We never sell your personal information | Aggregated or de-identified data may be shared for analytics

9. International Transfers

Some service providers are outside Canada (e.g., U.S.). Your data may be subject to foreign laws and accessible to foreign authorities. We use contractual and other safeguards to protect it.

10. Your Consent & Choices
You may withdraw consent or update preferences at any time by contacting us (see Section 15). Some data is essential to the Services—if you withdraw consent we may not be able to serve you fully.

11. Security
We use industry-standard safeguards—SSL encryption, secure hosting, access controls—to protect your data. No method of transmission is 100 % secure, but we continually strive to keep your information safe.

12. Access & Correction
You can request access to, or correction of, your personal information by writing to our Privacy Officer. We may need to verify your identity and may charge a reasonable fee where permitted by law.

13. Retention
We keep personal information only as long as necessary for the purposes stated here or as required by law, then securely delete or anonymize it.

14. Cookies & Advertising
We use first- and third-party cookies (Google, Facebook, Twitter, LinkedIn, etc.) for analytics and targeted ads. Manage cookies in your browser or opt out of many ad networks

15. External Links
Our Site links to third-party sites (including insurer portals). We’re not responsible for their privacy practices—review their policies before sharing information.

16. Contact Us

Questions or requests? Reach out to our Privacy Officer:

Email: info@moneyfreedom.ca
Mail: Privacy Officer, Money Freedom Inc: 625 Cochrane Dr. Suite 610, Markham, On L3R 9R9

By continuing to use the Site or Services you acknowledge that you have read and understood this Privacy Policy and agree to its terms.
Last updated — May 1st, 2025