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Privacy Policy

Last updated: November 10, 2019

The Critical Illness Insurance Specialists Corporation (“Pension Solutions Canada”, “Dundas Financial”, “us”, “we”, or “our”) operates https://pensionsolutionscanada.com (the “Site”, or “Website”).

We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Site. We have adopted this privacy policy (“Privacy Policy”) to inform you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site. This Privacy Policy applies only to information we collect through the Site and does not apply to our collection of information from other sources.

By using the Site, you agree to the collection and use of information in accordance with this policy. Depending on your activities when visiting our Site, you may be required to agree to additional terms and conditions.

Log Data

Like many site operators, we collect information that your browser sends whenever you visit our Site (“Log Data”).

This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Website Visitors

Like most website operators, Pension Solutions Canada collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Pension Solutions Canada’s purpose in collecting non-personally identifying information is to better understand how Pension Solutions Canada’s visitors use its website. From time to time, Pension Solutions Canada may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Pension Solutions Canada also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on https://pensionsolutionscanada.com blog posts. Pension Solutions Canada only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Advertisements

Ads appearing on our website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Pension Solutions Canada and does not cover the use of cookies by any advertisers.

Links To External Sites

Our Service may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.

Aggregated Statistics

Pension Solutions Canada may collect statistics about the behavior of visitors to its website. Pension Solutions Canada may display this information publicly or provide it to others. However, Pension Solutions Canada does not disclose your personally-identifying information.

Cookies

To enrich and perfect your online experience, Pension Solutions Canada uses “Cookies”, similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Pension Solutions Canada uses cookies to help Pension Solutions Canada identify and track visitors, their usage of https://pensionsolutionscanada.com, and their website access preferences. Pension Solutions Canada visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Pension Solutions Canada’s websites, with the drawback that certain features of Pension Solutions Canada’s websites may not function properly without the aid of cookies.

By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Pension Solutions Canada’s use of cookies.

Personally-Identifying Information Collection And Use

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your name (“Personal Information”). The amount and type of information that Pension Solutions Canada gathers depends on the nature of the interaction.

What personal data we collect and why we collect it

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Popup Modules & Forms

When visitors or users submit a form or view a module, we capture the IP Address for analysis purposes. We also capture the email address and might capture other personal data included in the form fields.

By filling out one of our forms to register for a seminar event, your information submitted to us including name, email, and event preferences is sent to our office staff for processing via email. We may contact you to confirm your seminar registration.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Google Analytics

Our Site uses Google Analytics, a web analysis service of Google, Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043 USA, www.google.com (“Google Analytics” or “Google”). Google Analytics employs cookies that are stored to your computer in order to facilitate an analysis of your use of the site. The information generated by these cookies, such as time, place and frequency of your visits to our site, including your IP address, is transmitted to Google’s location in the US and stored there.

Google uses this information to analyze your use of our site, to compile reports for us on internet activity and to provide other services relating to our Site.

Google may also transfer this information to third parties where required to do so by law or where such third parties process this data on Google’s behalf. Google states that it will in never associate your IP address with other data held by Google. You can prevent cookies from being installed by adjusting the settings on your browser software accordingly as noted elsewhere in this Privacy Policy. You should be aware, however, that by doing so you may not be able to make full use of all the functions of our website.

Google Analytics also offers a deactivation add-on for most current browsers that provides you with more control over what data Google can collect on websites you access. The add-on tells the JavaScript (ga.js) used by Google Analytics not to transmit any information about website visits to Google Analytics. However, the browser deactivation add-on offered by Google Analytics does not prevent information from being transmitted to us or to other web analysis services we may engage.

Google Analytics also uses electronic images known as web beacons (sometimes called single pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used.

You can find additional information on how to install the browser add-on referenced above at the following link: https://tools.google.com/dlpage/gaoptout?hl=en.

Google Tag Manager (GTM)

Google Tag Manager (GTM”) is a tag management system to manage JavaScript and HTML tags used for tracking and analytics on websites. Tags are small code elements that, among other things, are used to measure traffic and visitor behaviour: to understand the effect of online advertising and social channels; to set up remarketing and orientation towards target groups; and to test and optimize websites. GTM makes it easier for us to integrate and manage our tags. We use GTM on our website to include the following tracking tools (as in described in detail this Section 12):

● Google Analytics

● Marketo Munchkin

● Facebook Conversion Pixels

● Twitter tailored audience

If you have performed deactivation, GTM takes this deactivation into account. For more information about GTM’s privacy practices can be found at https://policies.google.com/privacy?hl=en and terms of use at https://www.google.com/analytics/tag-manager/use-policy/.

Google AdWords for Remarketing

We use remarketing services to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits. Of course, any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.

You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

Communications

We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

When visitors or users submit a form or view a module we retain the data indefinitely.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Spam Detection

Visitor comments may be checked through an automated spam detection service.

Privacy Policy Changes

Although most changes are likely to be minor, Pension Solutions Canada may change its Privacy Policy from time to time, and in Pension Solutions Canada’s sole discretion. Pension Solutions Canada encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Our Contact Information

The Critical Illness Insurance Specialists Corporation
155 King St W, Dundas, Ontario, Canada L9H 1V3
1-888-554-6661