1. Overview

We collect only what we need to provide quotes, advice, applications, renewals, and related financial services you request. This policy covers website interactions, forms, and our client communications. For website terms, see our Terms of Use.

2. What We Collect

• Form details: name, email, phone, location, family/business details, preferences, and free-text notes you supply.
• Client onboarding: identifiers, financial and employment information necessary to assess needs and place products (with consent).
• Website usage: IP, device/browser, pages viewed, interaction data (via analytics and essential cookies).
• Communications: emails/messages; delivery logs from our email provider.

3. How We Use Information

• Prepare quotes, proposals, and product comparisons you request.
• Support applications, policy servicing, renewals, and claims assistance.
• Send confirmations, appointment reminders, and important notices.
• Improve website performance, prevent fraud/abuse, and ensure security.
• Meet legal, regulatory, and audit requirements.

4. Consent & Legal Basis

We rely on your consent and on obligations necessary to provide services or comply with law. You may withdraw consent at any time (see Your Rights), recognizing this may limit services.

5. Sharing & Service Providers

We disclose personal information only as needed:

• Carriers / MGAs / Fund companies you ask us to approach for quotes or applications.
• Email delivery: Postmark (transactional email).
• Hosting & SSL: Web Hosting Canada.
• Website tools: Elementor/WP tools; Google (analytics).
• Legal requests: when required by law or to protect rights, security, or property.

We do not sell your personal information.

We do not share, sell, rent, or disclose personal information, including phone numbers, to third parties or affiliates for marketing or lead generation purposes. Personal information is only used to provide requested services and client communication.

6. Cookies & Analytics

We use essential cookies for security and core functionality, and analytics cookies to understand traffic in aggregate. Control cookies via your browser settings and any preferences we provide.

Learn more from the Office of the Privacy Commissioner of Canada.

7. Retention

We retain information only as long as necessary for these purposes and to meet legal/regulatory requirements, then securely delete or de-identify it.

8. Security

We implement administrative, technical, and physical safeguards appropriate to the sensitivity of the data. While no method is perfect, we strive to protect against unauthorized access, use, or disclosure.

9. Your Rights

• Request access to or a copy of your personal information.
• Request corrections to inaccurate or incomplete data.
• Withdraw consent for future processing, subject to legal and regulatory limits.

To exercise your rights, email info@gmfsi.ca. See also our Terms of Use.

10. Children’s Privacy

Our website is intended for adults. We do not knowingly collect information from children without appropriate parental or guardian consent.

11. International Transfers

Some providers may process data outside Canada. When they do, information may be subject to foreign laws. We use providers that implement appropriate protections.

12. Third-Party Links

We may link to external sites we do not control. Their practices are governed by their own policies. For quotes or assistance, please visit our Contact page.

13. Updates

We may update this policy to reflect changes to our practices or legal requirements. The “Last updated” date above shows the latest version.

14. SMS Communication Consent

By providing your phone number and opting in through our website forms, you expressly consent to receive SMS messages from Green Mountain Financial Services Inc. (“GMFSI”) at 905-575-8287.

These messages may include appointment confirmations, follow-ups, reminders, service-related communications, and responses to your inquiries regarding financial planning, insurance, investments, and group benefits.

Message frequency may vary depending on your interaction with us. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP or contact us directly at info@gmfsi.ca.

We do not share, sell, rent, or disclose your phone number or SMS consent information to third parties or affiliates for marketing or lead generation purposes.

Green Mountain Financial Services Inc. does not share or sell personal information, including phone numbers, with third parties or affiliates for marketing or lead generation purposes. SMS consent is not shared with third parties.

Your information will be handled in accordance with this Privacy Policy and applicable Canadian privacy laws.

15. Contact

Email info@gmfsi.ca for questions or requests related to privacy.