Let's Talk Insurance

1. Introduction

Let’s Talk Insurance (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.letstalkinsurances.com (the “Site”) or use our financial consulting services.

We serve individuals and families across Cornwall and Ontario, providing insurance planning, credit repair, debt elimination, wealth building, and financial consulting services. Due to the nature of our business, we understand the importance of maintaining the confidentiality of your personal and financial information.

Please read this Privacy Policy carefully. By accessing or using our Site and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. This Privacy Policy may change from time to time, so please check periodically for updates.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

  • Identification Information: Name, email address, postal address, phone number, date of birth, social insurance number, and government-issued identification.
  • Financial Information: Bank account details, credit card information, credit history, income information, assets, liabilities, tax information, and investment preferences.
  • Insurance Information: Current insurance policies, health information (for life and health insurance applications), beneficiary information, and insurance claim history.
  • Employment Information: Current and past employment details, occupation, business ownership information, and income verification.
  • Technical Information: IP address, browser type, operating system, device information, usage data, and cookies.

2.2 How We Collect Information

We collect information in the following ways:

  • Direct Collection: Information you provide when you:
    • Fill out forms on our website
    • Register for a consultation
    • Subscribe to our newsletter
    • Contact us via email, phone, or social media
    • Apply for insurance or financial products
    • Participate in surveys or promotions
  • Automated Collection: We automatically collect certain information when you visit our Site through cookies, web beacons, and similar technologies.
  • Third-Party Sources: We may receive information about you from:
    • Credit bureaus and reporting agencies
    • Insurance companies and financial institutions
    • Public databases and government sources
    • Partners and service providers

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 To Provide Our Services

  • Process applications for insurance and financial products
  • Conduct financial assessments and create personalized financial plans
  • Provide credit repair and debt elimination services
  • Offer investment and retirement planning advice
  • Communicate about your accounts or services

3.2 Business Operations

  • Improve our website and services
  • Process payments
  • Maintain our internal records
  • Detect and prevent fraud
  • Comply with legal obligations
  • Analyze usage patterns and trends
  • Respond to your inquiries and requests

3.3 Marketing and Communications

  • Send newsletters, promotions, and updates (with your consent)
  • Provide information about products or services that may interest you
  • Conduct market research and surveys

4. Data Protection Measures

We implement and maintain reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

  • Technical Safeguards: Encryption, firewalls, secure networks, and regular security assessments
  • Physical Safeguards: Secure premises, locked cabinets, and controlled access to physical records
  • Administrative Controls: Employee training, access restrictions, and confidentiality agreements
  • Data Minimization: Collecting only the information necessary for the stated purposes
  • Retention Policies: Keeping personal information only as long as necessary or required by law

Despite our efforts, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your information.

5. Data Sharing and Disclosure

5.1 Third-Party Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

  • Insurance carriers and underwriters
  • Financial institutions and investment companies
  • Credit reporting agencies
  • Payment processors
  • Cloud storage providers
  • Email and communication service providers
  • Analytics providers
  • Marketing partners

These service providers are contractually obligated to use your information only to provide services to us and to maintain appropriate security measures.

5.2 Legal Requirements

We may disclose your information when legally required to do so:

  • To comply with applicable laws or regulations
  • To respond to subpoenas, court orders, or legal process
  • To protect our rights, privacy, safety, or property
  • To investigate, prevent, or take action regarding illegal activities, suspected fraud, or violations of our terms

5.3 Business Transfers

If we are involved in a merger, acquisition, financing, or sale of all or a portion of our business, your information may be transferred as part of that transaction.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

6.1 All Users

  • Access: Request information about the personal data we collect about you
  • Correction: Request correction of inaccurate or incomplete information
  • Marketing Choices: Opt out of marketing communications

6.2 GDPR Rights (For EU Residents)

  • Data Portability: Receive your data in a structured, commonly used format
  • Restriction: Request restriction of processing in certain circumstances
  • Objection: Object to processing based on legitimate interests
  • Erasure: Request deletion of your data (right to be forgotten)
  • Withdraw Consent: Withdraw previously given consent
  • Lodge Complaints: File a complaint with a supervisory authority

6.3 CCPA Rights (For California Residents)

  • Disclosure: Know what personal information is collected, used, shared, or sold
  • Deletion: Request deletion of personal information
  • Opt-Out: Opt out of the sale of personal information
  • Non-Discrimination: Not to be discriminated against for exercising these rights

6.4 How to Exercise Your Rights

To exercise your privacy rights, please contact us using the information in the “Contact Us” section. We may need to verify your identity before processing your request.

7. Cookies and Similar Technologies

7.1 What We Use

  • Cookies: Small text files stored on your device
  • Web Beacons: Electronic images that help deliver cookies
  • Pixels: Small graphics with a unique identifier
  • Local Storage: Information stored locally on your device

7.2 How We Use Them

  • Essential functionality and security
  • Remembering your preferences
  • Analyzing site traffic and user behavior
  • Personalizing your experience
  • Marketing and advertising purposes

7.3 Your Choices

Most web browsers allow you to control cookies through their settings. You can also opt out of certain types of cookies by:

  • Adjusting your browser settings to refuse cookies
  • Using opt-out mechanisms provided in our communications
  • Using available industry opt-out tools

8. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us. If we learn that we have collected personal information from a child without parental consent, we will take steps to delete that information.

9. International Data Transfers

While we primarily operate in Canada, we may transfer, store, and process your information in countries other than your residence. By using our services, you consent to the transfer of information to countries that may have different data protection rules in your country. We ensure appropriate safeguards are in place for international transfers as required by applicable law.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on this page with a revised “Last Updated” date. We encourage you to review this Privacy Policy periodically. Your continued use of our Site after changes to the Privacy Policy constitutes your acceptance of the updated terms.

11. Retention of Your Information

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining retention periods, we consider:

  • The amount, nature, and sensitivity of the information
  • The potential risk of harm from unauthorized use or disclosure
  • The purposes for which we process the information
  • Whether we can achieve those purposes through other means
  • Legal, regulatory, and contractual requirements

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Let’s Talk Insurance
Contact Us Page
Phone: +1 (343) 463-2564

We will respond to your inquiry as soon as reasonably possible and within the timeframes required by applicable law.