Privacy Policy

Effective Date: November 11, 2024
Last Updated: January 31, 2026

Independent Financial Broker (“we,” “us,” or “our”) respects your privacy and is committed to protecting personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

This Privacy Policy explains how personal information is collected, used, disclosed, and protected in connection with this website and related communications.

By accessing this website or providing personal information to us, you consent to the practices described in this Privacy Policy.

Scope

This Privacy Policy applies to personal information collected through:
• This website (https://indbroker.ca)
• Email, phone, or digital communications initiated through the site
• Booking and intake related to educational or introductory consultations

This website is an educational and informational platform. Regulated financial advice, when provided, occurs through separate, direct engagement and is governed by applicable professional standards and disclosures.

Information We Collect

We collect only information necessary to respond to inquiries, facilitate introductory consultations, and support subsequent engagement when appropriate.

This may include:

2.1 Personal Information
• Name
• Email address
• Phone number
• Information voluntarily provided through forms or communications

Sensitive personal or financial information is not collected through this website unless required later as part of a regulated engagement and disclosed accordingly.

2.2 Website Usage Data
• IP address
• Browser and device type
• Pages visited and time spent on the site

This data is used for basic analytics and site functionality.

We do not knowingly collect personal information from individuals under the age of 18.

How Information Is Used

Personal information is used to:
• Respond to inquiries and communications
• Schedule and manage introductory consultations
• Provide requested information
• Maintain records required for business and regulatory purposes
• Improve website functionality and user experience

We do not use this website to issue personalized financial, legal, or tax advice.

Disclosure of Information

We do not sell, rent, or trade personal information.

Information may be disclosed only:
• With your consent
• When required by law or regulatory obligation
• To service providers supporting website hosting, communications, or analytics, under confidentiality obligations

Any sharing related to regulated financial services occurs only within the appropriate professional context and with proper disclosure.

Consent

By providing personal information, you consent to its collection and use as described in this policy.

You may withdraw consent at any time, subject to legal or contractual requirements, by contacting us using the information below.

Safeguards

We use reasonable administrative, technical, and physical safeguards to protect personal information, including:
• Secure data storage
• Access controls
• Encrypted communications where appropriate

No method of transmission or storage is completely secure, and users should take reasonable precautions when sharing information online.

Retention

Personal information is retained only as long as necessary to fulfill its purpose or meet legal and regulatory requirements. Information no longer required is securely deleted or anonymized.

Your Rights

You have the right to:
• Request access to your personal information
• Request corrections
• Inquire about how your information is used

Complaints may be directed to the Office of the Privacy Commissioner of Canada if concerns are not resolved.

Cookies

This website uses cookies for basic analytics and functionality.
You may disable cookies in your browser settings, though this may affect site performance.

Policy Updates

This Privacy Policy may be updated periodically. The most current version will always be posted on this website.

Contact

Independent Financial Broker

Email: [email protected]