Privacy Policy

How we collect, use and disclose personal information

We ask you for only the information we need
We collect only the information we need for the purposes we have identified to you. Our files are kept for the purpose of providing and servicing financial and insurance products and services that we believe are right for you, over your lifetime. We will not sell your personal information.

Why we need the information
Generally, we need to collect personal information to:

• understand your needs,
• determine your eligibility,
• continue to offer you the full range of products and services that we believe meet your changing needs and to service such products and services,
• meet regulatory or contractual requirements relating to the products and services provided to you.

We will make sure you understand why we need the information by using clear, understandable language when we identify the purpose.

We will obtain your permission
We collect, use or disclose your personal information with your permission. Your permission may be expressed in writing or be implied and you may give it to us verbally, electronically, or through your authorized representative. You may withdraw your permission to collect, use and disclose your personal information at any time, subject to legal and contractual restrictions and reasonable notice.

Before we make information available to third parties, other than an agent or service provider who needs it, we will tell you at the time we obtain your consent or before we make the information available, who those persons or organizations are, the kind of information we want to share with them and why.


We will limit how long we keep information

We are responsible for your information
We will keep your personal information as long as it is necessary, including updating the product or service or as required by law.
When we destroy personal information, we will use safeguards to prevent unauthorized parties from gaining access to the information during the process.

How we protect information
We have developed and are continuing to enhance security procedures to safeguard and protect personal information against loss, theft, unauthorized disclosure, copying, and unauthorized use or modification. We will maintain appropriate safeguards and security procedures that reflect the types of documents, including electronic or paper records, organizational measures including security clearances and limiting access on a “need-to-know” basis, and technological measures such as the use of passwords and encryption.