330 – 5th Avenue SW, Tower 1, Suite 1800, Calgary, AB T2P 0L4

  825-431-5633  info@intellivest.ca

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Privacy Policy

Our Privacy Policy explains how we collect, use, and protect your personal information. We are committed to maintaining the highest standards of confidentiality and transparency, ensuring your data is handled securely and only for purposes that support your financial needs. By working with us, you can trust that your privacy is always respected and safeguarded.

Intellivest Wealth Solutions Ltd. (“Intellivest,” “we,” “us,” “our”) is committed to protecting the confidentiality, integrity, and appropriate use of all personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with PIPEDA and applicable provincial regulatory requirements.

1. Introduction & Scope

This policy applies to all personal and financial information collected from clients, prospects, or other individuals in connection with IntelliVest’s insurance, investment advisory, bookkeeping, and tax services. It outlines your rights and our responsibilities regarding the handling of this information.

2. Definitions

  • Personal Information: Data that identifies you as an individual, including but not limited to name, address, date of birth, contact information, financial details, identification numbers, and employment history.
  • Consent: Your agreement (express or implied) to the collection, use, or disclosure of personal information for identified purposes.
  • Minor: Any individual below the provincial age of majority.

3. Legal Framework & Compliance Basis

This policy is designed to comply with:

  • PIPEDA (Personal Information Protection and Electronic Documents Act)
  • Provincial privacy legislation
  • Regulatory standards applicable to insurance, investment, tax, and bookkeeping services
  • FINTRAC, FATCA, AML, CRA, and self-regulatory organization requirements

4. Collection Purposes

We collect personal information solely for purposes necessary to:

  • Assess your financial and insurance needs
  • Provide advice on suitable products and services
  • Comply with legal, regulatory, and audit obligations
  • Deliver bookkeeping and tax services
  • Conduct risk management and fraud prevention

5. Categories of Data Collected

We may collect:

  • Full legal name, address, date of birth, and contact information
  • Identification documents for verification (government-issued ID, SIN)
  • Financial and income data, assets, liabilities, and investment objectives
  • Policy or investment account details
  • Beneficiary and estate-planning information where required
  • KYC, suitability, and risk-assessment documentation

6. Consent (Express, Implied, Renewed)

We obtain your consent before collecting, using, or disclosing personal information, except as permitted or required by law. Consent may be:

  • Express: Signed or electronically agreed
  • Implied: Provided voluntarily in the context of requesting services
  • Renewed: Requested again if the purpose changes

7. Minors & Protected Individuals

Personal information of minors (under the provincial age of majority) is collected only with verified parental or guardian consent. It is:

  • Used solely for regulatory, insurance, or investment requirements
  • Never used for marketing or commercial solicitation
  • Retained in compliance with statutory requirements and insurer audit standards

8. Sources of Information

Information may be collected from:

  • Your applications, forms, or interviews
  • Credit bureaus, income verification sources, or references (with your consent)
  • Licensed insurers, investment dealers, or service partners

9. Third-Party Custodians, Carriers & MGAs

Information may be shared with authorized insurers, MGAs, and investment dealers strictly to provide requested services. These third parties are contractually bound to protect your data.

10. Investment Dealers & Service Platforms

Information may be shared with investment dealers or service platforms for:

  • Account opening
  • Transaction processing
  • Compliance and regulatory reporting
  • Secure document storage

11. Insurance Underwriters, Reinsurers & Assessors

We may disclose information to insurers, reinsurers, or other assessing entities only as necessary for product issuance, underwriting, or claims assessment. All such parties are obligated to maintain confidentiality.

12. Accounting, Bookkeeping & Tax Filing Data

Personal information used for bookkeeping or tax services is:

  • Collected voluntarily
  • Stored securely
  • Shared only with accountants, auditors, or CRA/CRA-authorized authorities as legally required
  • Retained for regulatory or statutory periods

13. CRA, FINTRAC, FATCA, AML, Audit Requirements

IntelliVest may disclose information without consent where legally required to:

  • CRA, FINTRAC, or FATCA authorities
  • Anti-money laundering, fraud prevention, or tax reporting
  • Audit and compliance reviews

14. Access, Use & Disclosure Standards

We limit access to personal information to employees or agents directly involved in servicing your accounts, providing advice, or fulfilling regulatory obligations. Personal data is used only for purposes previously identified.

15. Analytics, Cookies, CRM Logs & Web Tracking

Website and digital platform use may collect:

  • Non-identifiable analytics
  • Device type, session duration, and page navigation
  • CRM system logs for client communications and onboarding

No profiling or commercial exploitation of your data occurs outside service or regulatory purposes.

16. Data Retention, Archiving & Legal Hold

Information is retained only as long as necessary to:

  • Provide requested services
  • Fulfill regulatory requirements
  • Support legal, audit, or dispute resolution obligations

After retention periods, data is securely destroyed or anonymized.

17. Digital Signatures, IP Logs & Intake Platforms

Electronic signatures and platform logs may be stored temporarily to:

  • Validate submission authenticity
  • Track document completion
  • Maintain audit trails for regulatory compliance

All systems are secured to prevent unauthorized access.

18. Accuracy & Correction Requests

You have the right to request updates or corrections to your personal information. IntelliVest will make reasonable efforts to ensure records are accurate, complete, and up to date.

19. Client Access Rights

You may request access to any personal information held by IntelliVest, subject to legal or contractual restrictions. Requests must be made in writing with sufficient identification details.

20. Withdrawal of Consent

You may withdraw consent to use or disclose personal information at any time, provided it does not conflict with contractual or legal obligations. We will explain any impact on the provision of services.

21. Safeguards (Digital, Physical, Procedural)

We protect personal information through:

  • Physical security of offices and filing systems
  • Digital encryption, password protection, and restricted access
  • Internal procedures and staff training on confidentiality

22. Cross-Border Data Routing (if any)

Where required, data may be processed outside Canada but only through secure, regulated platforms. Transfers comply with Canadian privacy legislation.

23. Beneficiaries & Estate-Planning Data

Personal information related to beneficiaries is collected solely for:

  • Policy administration
  • Regulatory compliance
  • Estate-planning documentation

24. Beneficiary Change, Claim Support & Risk Review

Updates to beneficiary designations or claims-related data are handled with:

  • Written consent
  • Verification procedures
  • Compliance with regulatory and insurer standards

25. Renewal, Compliance Outreach & Ongoing Contact

We may contact you regarding:

  • Policy or account renewals
  • Regulatory compliance checks
  • Advisory follow-ups

All contact is limited to service and compliance purposes.

26. Marketing Opt-Out vs. Regulatory Notice

Marketing communication requires your explicit consent. You may opt out at any time. Regulatory communications (e.g., account statements, policy notices) are mandatory and cannot be opted out.

27. Professional Confidentiality & Record Barriers

Personal information is kept confidential within IntelliVest. Only authorized staff may access records necessary for service delivery or regulatory compliance.

28. Corporate Changes & Data Continuity

In the event of corporate restructuring, merger, or sale, personal information may be transferred only to ensure continued service and compliance. Any transfer is subject to privacy protection measures.

29. Acknowledgment of Client Rights

By engaging with Intellivest, you acknowledge:

  • Information is provided voluntarily
  • You authorize contact regarding inquiries or service delivery
  • No financial product or service is issued without express written consent and completion of compliance documentation
  • You may request a copy of the full Privacy Policy at any time

30. Contact Information

For privacy inquiries, access requests, corrections, or consent withdrawal:

Intellivest Wealth Solutions Ltd.

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