Privacy Policy

01Who we are

This policy explains how Lomas Financial Inc. collects, uses, shares, and protects personal information. It applies to this website and to the planning and insurance services Dan Lomas provides to clients.

We follow Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and the privacy requirements of the insurers and agencies we work with. Dan Lomas is our Privacy Officer and is accountable for how we handle your information.

02What we collect

When you contact us or book a call

• Your name, email address, phone number, and business name
• Anything you choose to tell us in a message or booking form

When we work together

To give advice that fits your situation, we may ask for:

• Information about your corporation, including financial statements, retained earnings, and share structure
• Personal financial information, such as income, assets, and existing insurance
• Family and beneficiary details, and your estate and succession goals
• For an insurance application: date of birth, health and lifestyle information, and other details the insurer requires

When you visit this website

Our website platform and analytics tools automatically collect technical information, such as your IP address, browser and device type, the pages you visit, and how you arrived at the site. See Cookies and analytics below.

03How we use it

We use personal information to:

• Respond to your questions and schedule meetings
• Understand your corporate and personal situation and prepare recommendations
• Apply for, place, and service insurance policies on your behalf
• Coordinate with your accountant, lawyer, or other advisors when you ask us to
• Keep the records that insurance regulators, insurers, and the law require
• Maintain and improve this website

We do not sell, rent, or trade your personal information.

04Your consent

We collect, use, and share personal information only with your consent, except where the law allows or requires otherwise. We ask for your express consent before collecting sensitive information, such as health details for an insurance application. Consent for basic contact information may be implied when you reach out to us.

You may withdraw your consent at any time, subject to legal or contractual limits, by contacting our Privacy Officer. If you do, we will explain how it affects the services we can provide.

05Meeting notes and recordings

We document every client conversation. Meetings and calls may also be recorded so that we have an accurate record of the advice given, as required by insurance industry standards. We will tell you at the start of any meeting that is being recorded.

06Who we share it with

We share personal information only as needed for the purposes described above:

• Insurers and agencies. To place insurance, we share application information with Desjardins Financial Security Independent Network, Desjardins Financial Security Life Assurance Company, and any other insurer involved in your plan.
• Your other advisors. With your permission, we work with your accountant, lawyer, and other professionals.
• Service providers. We use trusted companies for website hosting, our client database, email, scheduling, and video meetings. They may use your information only to provide those services to us.
• Regulators and the law. We disclose information when required by law, by an insurance regulator, or to protect our legal rights.

07Storage outside Canada

Some of our service providers, including our website, scheduling, and email platforms, may store information on servers outside Canada, most often in the United States. While there, it may be accessible to courts and authorities in that country under their laws.

08Cookies and analytics

This website uses cookies and similar technologies to keep it working properly, remember your preferences, and help us understand how visitors use the site. Our booking calendar is provided by a third party that may also set its own cookies.

You can block or delete cookies in your browser settings. Some parts of the site, such as booking a call, may not work properly if you do.

09How long we keep it

We keep personal information only as long as we need it for the purposes it was collected for, or as long as the law and insurance industry rules require. Client files are typically kept for several years after our relationship ends. When information is no longer needed, we securely destroy or anonymize it.

10How we protect it

We protect personal information with safeguards suited to its sensitivity, including secure systems, access limited to people who need it, password protection, and locked storage for paper records. No method of transmission or storage is perfectly secure, but we take reasonable steps to protect your information from loss, theft, and unauthorized access.

11Your rights

You have the right to:

• Ask what personal information we hold about you and how it has been used
• Ask us to correct information that is inaccurate or incomplete
• Withdraw your consent, as described above

Send your request to our Privacy Officer. We will respond within 30 days. In some cases the law may prevent us from giving access to certain information. If so, we will tell you why.

12Other websites

This website links to other sites, including our booking calendar. We are not responsible for the privacy practices of those sites. Please review their policies before you share information with them.

13Changes to this policy

We may update this policy from time to time. The latest version will always be posted on this page, with the date it was last updated.

14Contact our Privacy Officer

If you have a question, a request, or a concern about how we handle your personal information, please contact:

If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.