Privacy Policy

Last Updated: September 2026

Cardinal Financial Alliance Corporation (“Cardinal Financial Alliance,” “we,” “us,” or “our”) is committed to protecting the privacy, confidentiality and security of the personal information entrusted to us.

As a financial services and insurance advisory organization, we recognize that our clients may provide us with sensitive personal, financial and, where required in connection with insurance applications, medical and health-related information. We maintain policies and procedures designed to protect this information and to comply with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

This Privacy Policy explains how we collect, use, disclose, safeguard and retain personal information.

1. Personal Information We Collect

Depending on the products or services requested, we may collect personal information including:

Name, address, telephone number and email address;
Date of birth, age and gender, where relevant to an insurance or financial product;
Identification information;
Marital and family information;
Employment, occupation and business information;
Financial information, including income, assets, liabilities, net worth, investment information and banking information;
Tax-related information where required;
Insurance and investment holdings;
Beneficiary information;
Information concerning financial objectives, investment objectives, risk tolerance, time horizon and financial needs;
Medical, health and lifestyle information where required for insurance applications or underwriting;
Information concerning existing or proposed insurance coverage;
Records of communications and interactions with us;
Information contained in applications, forms and supporting documents; and
Other information reasonably required to provide the financial, insurance or investment products and services requested.

We seek to limit the personal information we collect to information reasonably necessary for the purposes identified to you.

2. How We Collect Personal Information

We may collect personal information directly from you through:

Meetings and conversations with our advisors and staff;
Telephone, email and other electronic communications;
Insurance and investment applications;
Know Your Client (KYC) and other regulatory forms;
Electronic signature platforms;
Our website and online forms;
Documents and information provided by you; and
Other interactions in the course of our business relationship.

With your consent, or where otherwise permitted or required by law, we may also obtain information from third parties, including insurance companies, investment companies, managing general agencies, financial institutions, medical professionals or facilities, paramedical providers and other service providers.

3. Why We Collect and Use Personal Information

We may collect and use personal information for purposes including:

Assessing your insurance, investment and financial needs;
Providing insurance and investment advice and recommendations;
Determining suitability for financial and investment products;
Obtaining quotations and illustrations;
Preparing, submitting and administering applications;
Facilitating insurance underwriting;
Establishing and servicing insurance policies and investment accounts;
Processing transactions and client instructions;
Maintaining and updating client records;
Conducting periodic client and KYC reviews;
Communicating with you regarding your policies, investments and financial needs;
Responding to questions and service requests;
Meeting regulatory, legal, compliance and record-keeping requirements;
Preventing or detecting fraud and other unauthorized activity; and
Managing and administering our business relationship with you.

We will not use personal information for an unrelated purpose without obtaining additional consent where required by law.

4. Consent

By providing personal information to Cardinal Financial Alliance, you consent to its collection, use and disclosure for the purposes identified at or before the time of collection and as otherwise permitted or required by law.

The form of consent may vary depending on the nature and sensitivity of the information and the circumstances in which it is collected.

You may withdraw your consent to certain uses or disclosures of your personal information, subject to legal, regulatory and contractual restrictions and reasonable notice.

Withdrawal of consent may affect our ability to provide certain products or services to you. For example, an insurance company may require particular information to underwrite or administer an insurance policy.

5. Disclosure of Personal Information

We do not sell or rent client personal information.

Where necessary to provide our services, and subject to applicable consent and legal requirements, personal information may be disclosed to organizations such as:

Insurance companies;
Investment and fund companies;
Managing general agencies and dealers;
Financial institutions;
Medical and paramedical service providers;
Physicians, medical facilities and laboratories where authorized;
Technology and electronic document service providers;
Electronic signature providers;
Professional advisors, auditors and compliance providers;
Regulators and governmental authorities where required; and
Other service providers involved in administering our business or providing products or services to you.

Service providers may process or store information in Canada or other jurisdictions. Where personal information is processed outside Canada, it may be subject to the laws of that jurisdiction and may be accessible to courts, law-enforcement or governmental authorities in accordance with those laws.

We remain responsible for personal information under our control and use appropriate measures when engaging third-party service providers.

6. Protection and Security of Personal Information

Cardinal Financial Alliance uses administrative, physical and technological safeguards appropriate to the sensitivity of the information in our possession or control.

These safeguards may include:

Restricted access to client information;
Password-protected systems and devices;
Secure electronic storage and transmission methods;
Physical protection of paper records;
Confidentiality requirements for employees and representatives;
Access controls based on business requirements;
Security practices applicable to third-party service providers; and
Procedures for the secure destruction or disposal of personal information.

While we take reasonable precautions to safeguard personal information, no method of electronic transmission or storage can be guaranteed to be completely secure.

7. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to satisfy applicable legal, regulatory, contractual and business requirements.

Retention periods may therefore extend beyond the termination of a particular policy, investment account or client relationship.

When personal information is no longer required, it will be securely destroyed, deleted or anonymized in accordance with our policies and applicable requirements.

8. Accuracy of Personal Information

We take reasonable steps to maintain personal information that is accurate, complete and up to date as necessary for the purposes for which it is used.

Clients are encouraged to notify us of changes to their contact information, financial circumstances, insurance needs or other information relevant to the services we provide.

9. Accessing or Correcting Your Personal Information

You may request access to personal information that Cardinal Financial Alliance holds about you and may request correction of information you believe is inaccurate or incomplete.

We may need to verify your identity before responding to a request.

In certain circumstances, applicable law may permit or require us to refuse access to some information. If this occurs, we will provide an explanation where required or permitted by law.

10. Website Information and Cookies

When you visit our website, certain technical information may be collected automatically, such as your IP address, browser type, device information, pages visited and the date and time of your visit.

Our website or third-party services used by our website may use cookies and similar technologies to operate the website, understand website usage, improve functionality and maintain security.

You may be able to disable or restrict cookies through your browser settings. Doing so may affect the operation of certain website features.

Information submitted through a website contact form, email link or other electronic communication should not include highly sensitive financial, medical or identification information unless an appropriate secure method of transmission has been provided.

11. Electronic Communications

We may communicate with clients electronically, including by email, electronic signature platforms, videoconferencing and other electronic systems.

Electronic communications may involve third-party service providers and are subject to the security characteristics and privacy practices of those systems.

Where required by applicable law, we will obtain appropriate consent before sending commercial electronic communications.

12. Privacy Breaches

Cardinal Financial Alliance maintains procedures for responding to suspected or confirmed privacy and security incidents.

Where required by applicable law, we will notify affected individuals and report qualifying breaches to the appropriate regulatory authority.

13. Privacy Officer and Questions or Complaints

Cardinal Financial Alliance Corporation has designated a Privacy Officer who is responsible for overseeing our privacy practices and responding to privacy-related questions, requests and complaints.

To request access to your personal information, request a correction, withdraw consent where applicable, or raise a privacy concern, please contact:

Matt Maslowski
Privacy Officer
Cardinal Financial Alliance Corporation
1050 King St. W.
Toronto, Ontario M6K 0C7
Telephone: 905-267-0173
Email: info@cardinalfinance.ca

We will review and respond to privacy inquiries and complaints in accordance with applicable privacy legislation.

If you are not satisfied with our response, you may also have the right to contact the Office of the Privacy Commissioner of Canada.

14. Third-Party Websites

Our website may contain links to websites operated by insurance companies, investment companies, financial institutions or other third parties.

Cardinal Financial Alliance is not responsible for the privacy practices, security or content of third-party websites. We encourage users to review the privacy policies of those organizations before providing personal information.

15. Changes to This Privacy Policy

Cardinal Financial Alliance Corporation may update this Privacy Policy periodically to reflect changes in our business practices, technology, regulatory requirements or applicable law.

The current version will be posted on our website with the date it was last updated.

Our Commitment

Cardinal Financial Alliance recognizes that protecting the confidentiality of our clients’ personal and financial information is fundamental to the trust placed in us. We are committed to handling personal information responsibly and maintaining appropriate privacy and security practices throughout our relationship with our clients.