Privacy Policy

Our Privacy Statement and Commitment

Safe Haven Financial values your business and we thank you for your confidence in choosing our firm as your source of advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us. This document outlines our practice with respect to the collection, use and disclosure of your personal information.

What we will not do with your information

We do not sell or share client information with organizations outside of our relationship with you that would use it to contact you about their own products or services.

Personal Information We Collect

Safe Haven Financial collect personal information in a number of circumstances in the course of conducting our business. Personal information we may collect includes:

  • Name, address, email address, telephone number, and other contact information;
  • Age, birth date, social insurance number, ID numbers, gender, credit card numbers or license plate numbers;
  • information about your preferences, income, assets or personal finances;
  • Medical records, credit records, loan records, driving record, employment records, insurance or transaction history;
  • Information about your insurance claims or claims history; and such other information we may collect with your consent or as permitted or required by law.

We generally collect personal information directly from you, for example, from application forms that you fill out for our insurance products and services, or when you communicate with us by telephone, email or in person. We may also collect personal information about you from other sources, such as other insurance brokers, insurance companies, and consumer reporting agencies, industry associations and data banks, investment product suppliers, marketing agencies, government agencies, claims adjusters, employers, and inspectors.

Use of Personal Information

Safe Haven Financial generally uses personal information to manage and administer our business, including to understand your insurance needs, communicate with you effectively and to provide you with the products and services you request. For example, Safe Haven Financial may use your personal information to:

  • Determine your eligibility for, offer and/or provide you with insurance products and services that you request
  • Evaluate credit worthiness and monitor, collect premiums and fees
  • Verify your identity
  • Determine prices, fees and premiums including by evaluating your coverage needs and assessing risk
  • Maintain, administer, collect, service and renew your account(s) and assess your ongoing needs for insurance products and services
  • Update credit bureau reports
  • Investigate and settle claims
  • Determine your eligibility for and offer and provide other products or services that may be of interest to you, such as investment or retirement products or group benefits, unless you ask us not to
  • Detect and protect against error or fraud
  • Compile statistics and conduct market research
  • Maintain business records for reasonable periods
  • Meet legal, regulatory, self-regulatory, insurance, security and processing requirements; and otherwise with consent or as permitted or required by law.

Disclosure of Your Personal Information

As necessary to carry out the purposes for which Safe Haven Financial collects and uses your personal information, Safe Haven Financial may disclose your personal information to third parties, such as other insurance brokers, insurers, consumer reporting agencies, claims adjusters, government, regulatory and self-regulatory agencies, lawyers, financial institutions, benefits providers and medical professionals, and others involved in the claims handling process in accordance with legal and insurance regulatory reporting requirements or standard accepted insurance brokerage and insurance practices. Safe Haven Financial may also disclose your personal information with your consent or as permitted or required by law.

Your Consent

Safe Haven Financial collects, uses and discloses your personal information with your consent, except as permitted or required by law. We may be required or permitted under statute or regulation to collect, use or disclose personal information without your consent, for example to comply with a court order, to comply with local or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us. Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an “opt out” option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney). Generally, by providing us with personal information either directly or through our agents, other insurance brokers, insurance companies, claims adjusters or your employer, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this Privacy Statement, if applicable, or otherwise at the time of collection. If you obtain insurance for a family member or other third party or otherwise provide personal information concerning a third party, including a family member, for example by naming him/her as a beneficiary, you represent that you have obtained any necessary consent to our collection, use and disclosure of his/her personal information for the purposes described above. You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. There may be consequences on failing to provide or withdrawing your consent, such as your inability to acquire or renew an insurance policy and/or cancellation of a policy. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this Privacy Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records and disclosures to Canadian and foreign government entities as required to comply with laws).


We take reasonable physical, organizational and technological security measures to safeguard the personal information in our custody or control. These include safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. Authorized Safe Haven Financial employees who require access to your personal information in order to fulfill their job requirements will have access to your personal information

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