Privacy Policy

Who We Are

Ezeife Financial is a life insurance advisory practice operated by Mukosolu Blessing Ezeife, a Licensed Life Insurance Agent operating under Greatway Financial (Managing General Agency), licensed with the Financial Services Regulatory Authority of Ontario (FSRA) and the Alberta Insurance Council (AIC).

For privacy-related questions or requests, contact us at: [email protected]

Information We Collect

We collect personal information only when it is necessary to provide our services or as required by law. This may include:

Information You Provide to Us

• Name, email address, and phone number (when you contact us or book a consultation)
• Date of birth, health information, and financial details (when you request an insurance quote or apply for coverage)
• Employment information and income details (for insurance underwriting purposes)
• Beneficiary information (when completing an insurance application)
• Communications and correspondence you send us

Information Collected Automatically

• Website usage data (pages visited, time on site, browser type) via cookies and analytics tools
• IP address and device information for security and analytics purposes
• Referral source (how you found our website)

How We Use Your Information

We use your personal information for the following purposes:

• To provide insurance advice, quotes, and recommendations tailored to your situation
• To process insurance applications and communicate with insurers on your behalf
• To book and conduct consultations (via Calendly or phone)
• To follow up on your inquiry or application status
• To send service-related communications (appointment confirmations, policy updates)
• To send marketing communications about our services, where you have provided consent under CASL
• To comply with regulatory requirements (FSRA, AIC, PIPEDA, CASL)
• To improve our website and services through anonymized analytics
• To detect and prevent fraud or unauthorized activity

Sharing Your Information

We do not sell your personal information. We may share it only as follows:

• Greatway Financial: As our Managing General Agency (MGA), Greatway Financial may receive your information to support the processing of insurance applications and compliance requirements.
• Insurance Carriers: When you apply for coverage, we share your information with the relevant insurance company (such as Manulife, Canada Life, Sun Life, Empire Life, TruStage, or other carriers) for underwriting and policy administration.
• Service Providers: We use third-party services including Calendly (appointment scheduling), Google Analytics (website analytics), and GoHighLevel/Greatway CRM (lead and client management). These providers process your information under their own privacy policies.
• Legal Requirements: We may disclose information where required by law, regulation, court order, or government authority.

Consent and Marketing (CASL)

Canada's Anti-Spam Legislation (CASL) governs how we send commercial electronic messages (emails, texts).

We send marketing emails only to individuals who have provided express or implied consent. Every marketing email includes a clear and functioning unsubscribe mechanism. You may withdraw consent at any time by:

• Clicking the unsubscribe link in any of our emails
• Emailing us at [email protected] with "Unsubscribe" in the subject line

Withdrawing marketing consent does not affect our ability to send service-related messages necessary to your policy or consultation.

Cookies and Tracking

Our website uses cookies to improve your experience and understand how visitors use our site. For full details on the types of cookies we use and how to control them, please see our Cookie Policy.

Data Retention

We retain your personal information for as long as our business relationship continues or as required by law. Insurance regulatory requirements may require us to retain client records for a minimum period after a transaction is completed. When information is no longer needed, we securely delete or anonymize it.

Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes secure data storage, limited access controls, and encrypted communications where applicable.

No method of transmission over the internet is 100% secure. If you have concerns about a specific communication, please contact us directly.

Your Rights Under PIPEDA

Under PIPEDA, you have the right to:

• Access: Request access to the personal information we hold about you
• Correction: Request that inaccurate or incomplete information be corrected
• Withdrawal of consent: Withdraw consent for the collection, use, or disclosure of your information (subject to legal and contractual restrictions)
• Complaint: File a complaint with the Office of the Privacy Commissioner of Canada at www.priv.gc.ca

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

Third-Party Links

Our website may link to third-party websites (such as insurance carriers, government portals, or social media platforms). We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised effective date. Continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

For any privacy questions, access requests, or concerns, please contact:

Mukosolu Blessing Ezeife
Privacy Officer, Ezeife Financial
[email protected]
Operating under Greatway Financial, Licensed MGA