Personal Information Policy
This Personal Information Policy spells out the responsibility of Stratum Advisory Group Inc., and your
rights as our applicant, customer or former customer (“you” or “your”), regarding the collection, use
and disclosure of your personal information.
This Personal Information Policy is subject to any amendments which will be posted on Stratum Advisory Group Inc.’s website and will also be available from Stratum Advisory Group Inc.’s Privacy Officer by calling 416-792-7244. Our privacy promise describes in clear language how Stratum Advisory Group Inc. ensures the protection of the personal information entrusted to us.
Please read this document carefully, not because anything in it is difficult to understand, but because
we want you to know Stratum Advisory Group Inc. protects your personal information.
We view our Privacy Promise as more than not just a legal obligation.
When you become a Stratum Advisory Group Inc. client, you share important personal information
with us. You do this so we can serve you better, and we know we will honour and respect your
privacy. Your trust is not misplaced. Let’s be perfectly clear. What is “personal information”?
“Personal information” is information about an identifiable individual, but does not include the name,
title or business address or telephone number of an employee of an organization.
Collecting, using and disclosing your personal information.
Why do we do it?
We collect, use and disclose personal information for one reason: to serve you better. Knowing you
better helps us understand your financial needs, communicate effectively with you, and provide you
with the services and products you want.
Let’s be specific. We collect, use and disclose your personal information to:
- Verify your identity;
- Determine your eligibility for financial products and services;
- Assess and underwrite insurance and reinsurance risks ;
- Determine prices, fees and premiums;
- Determine the suitability of your investments;
- Comply with the law; or
- Comply with tax requirements
Personal information may be collected, used or disclosed for any of theses “Identified Purposes” set
out above. If your personal information is not needed for one of the Identified Purposes, we will not
use or disclose it without obtaining additional consent from you.
How do we gather your personal information? - From you, on applications for insurance and investment products or on other forms filled out through
telephone, e-mail, face to face interviews; for example your name, address, telephone number, e-mail
address, occupation, financial and banking information, and health information; - From your interactions with us; for example through your payment history and underwriting;
- From government and other entities, that have information on your driving records;
- From consumer reporting agencies; for example your credit history
Your consent.
Your knowledge and consent are required before we may collect, use or disclose your personal
information. If any of the personal information that we collect is sensitive, such as health information,
we will obtain additional written or oral consent from you before collecting, using or disclosing the
information.
How do you provide us with your consent?
We accept any of the following as your consent for Stratum Advisory Group Inc.’s existing use and
future collection, use and disclosure of your personal information for the Identified Purposes: - Your receipt of this Personal Information Policy;
- Your unrestricted provision of information to Stratum Advisory Group Inc.;
- Your express written or oral consent as obtained through an application process; or
- Your consent as provided by your authorized representative, such as a legal guardian or power of attorney
You have the power to say no. How you can withdraw your consent. You may withdraw your consent at any time upon reasonable notice, subject to legal or contractual restrictions. Please note, however, that withdrawing your consent may affect our ability to continue to provide you with the advice, products and services that you have or would like to receive.
To withdraw your consent, you should contact our Privacy Officer, Diana Dias at 416-792-7244 ext.
202 or 402-4211 Yonge St, Toronto, ON M2P 2A9. Unless we hear otherwise from you, you are giving
to us your consent for the collection, use and disclosure of personal information as provided in this
Policy for the Identified Purposes.
How long do we keep your personal information?
Your personal information is retained only as long as we need it to effectively provide products and
services to you and for a reasonable length of time thereafter in case we need to meet any potential
obligations or legal or government requirements. Stratum Advisory Group Inc. shall use care when
storing or destroying your personal information in order to prevent unauthorized access.
How do we protect your personal information?
Whether in electronic or paper-based format, Stratum Advisory Group Inc. maintains strict security
systems to safeguard your personal information from unauthorized access, disclosure or misuse. As
well, when we no longer need your personal information, we take as much care to destroy it as we do
when storing it.
In the event that we transfer your personal information to a third party for processing (for example,
need some examples like off-site server, ISP provider), we contractually require any person or
organization providing products or services on our behalf to protect our customers’ confidentiality in a
manner consistent with our own internal measures, or as required by law.
Your right to access your personal information.
You have a right to access your personal information that we have in our possession or control.
How do you access your personal information?
Please make your request in writing to Diana Dias, Stratum Advisory Group Inc.’s Privacy Officer,
stating as specifically as possible which personal information you are requesting.
We will try to respond to such requests as soon as possible, and will advise you if for some reason we
cannot respond right away. Stratum Advisory Group Inc. may charge you a reasonable fee for
providing access to your personal information, but only after first advising you of the approximate
cost.
Keeping your information accurate. A priority.
Stratum Advisory Group Inc. strives to ensure that the personal information we have on file about you
is as accurate and up-to-date as necessary for the Identified Purposes for which it is to be used. If any
information needs to be updated or amended to reflect a change in your situation, we make every
effort to update our records. Stratum Advisory Group Inc. shall amend personal information that is
materially inaccurate or incomplete and, where appropriate, shall endeavour to advise other parties
having access to the information in question.
Use of this Web site is governed by the following terms and conditions which are
subject to change without notice to you. Please read them carefully before using
this site.
Privacy and Confidentiality
You acknowledge that the Corporation collects and uses personal information for purposes
of providing the services contained on this site. The Corporation is committed to respecting
the privacy and confidentiality of information in accordance with applicable law. The
Corporation has established and will continue to maintain appropriate safeguards to protect
the security and confidentiality of personal information. However, you acknowledge and
confirm that the Internet is not a secure medium where privacy and confidentiality can be
guaranteed and that complete security and confidentiality of transmissions to and from this
site over the Internet is not possible at this time. Your confidential use of the site cannot be
guaranteed and you acknowledge that your use of the site (including information you
transmit to the site) may be subject to access or manipulation by, or disclosure to, third
parties. Without limiting any other disclaimer herein, the Corporation shall not be
responsible or liable for any damages that you or any other person may suffer in connection
with any such breach of privacy, confidentiality or security. If you are provided with a user
name and password to access any part of this site, you agree to be liable for all uses of your
user name and password, including unauthorized use without your consent and you
acknowledge that the Corporation shall not be responsible to confirm the actual identity or
authority of any user. Instructions provided pursuant to such user name and password shall
constitute sufficient authority to the Corporation to execute any transactions directed
thereunder. You agree to notify the Corporation immediately should the confidentiality of
your user name and password be in jeopardy.
E-mail security
The security of e-mail communication cannot be guaranteed at this time. Any person
wishing to communicate or send information of a private or confidential nature to the
Corporation is encouraged to do so by other means.
Copyright
This site has been developed by the Corporation. The contents of this site are the property
of the Corporation and third parties whose information or materials are contained on the
site. All information and materials contained on this site are protected by copyright,
trademark and other intellectual property laws of Canada and other countries. Subject to
the limited license to use this site as described above, no person may copy, redistribute,
reproduce or republish in any form, or link to this site or its contents in any manner
whatsoever, including by way of hyperlinks or framing, unless that person has obtained the
prior written consent of the Corporation. Any infringement of the rights of the Corporation
may result in appropriate legal action.
Trademarks
The Corporation owns or has obtained the right to use by license or otherwise the
trademarks used on or in connection with the goods and services provided. The trademarks
are protected by Canadian and foreign trademark laws. All rights reserved. The display of
trademarks on this site shall not in any way be construed as an implied license to use such
trademarks.
General disclaimer
The content of this site is provided solely for personal and educational purposes and for
purposes of doing business with the Corporation and is subject to modification without
notice to you. While information posted on this site is believed to be reliable and accurate at
the time of posting, the Corporation does not guarantee, represent or warrant that the
information contained on this site is accurate, complete, reliable, verified or error free.
The Corporation makes no express or implied representations or warranties regarding the
usability or condition of this site, that this site will operate uninterrupted or error free, or
that this site will operate in combination with any services or software used in connection
therewith or that it shall be viewed consistently with all browser software or that any
communication transmitted to or from this site is private, confidential or secure.
THE CORPORATION EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES OR
CONDITIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT
LIMITATION, THE WARRANTIES AND CONDITIONS OF MERCHANTABLE QUALITY AND
FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COMPATIBILITY,
TIMELINESS, SECURITY OR ACCURACY, AND ANY REPRESENTATIONS, WARRANTIES OR
CONDITIONS THAT MAY ARISE FROM A COURSE OF DEALING OR USAGE OF TRADE.
YOU ASSUME FULL RESPONSIBILITY FOR RISK OF LOSS OF ANY NATURE
WHATSOEVER RESULTING FROM YOUR USE OF THIS SITE. Without limiting the
generality of the foregoing, you acknowledge and agree that none of the Corporation,
London Life or any of its affiliates, or any of their directors, officers, representatives,
employees or agents shall be liable to you for loss of data, computer time or any loss or
damage of any nature whatsoever arising out of or attributable in any manner whatsoever
to your use or inability to use this site for any reason whatsoever or to any action or
inaction on the part of the Corporation or for any direct, indirect, special or consequential
damages, even if the Corporation has been advised of the possibility thereof, including but
not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure
to realize expected savings.
More information
For more information concerning the terms and conditions of use of this site or to request
the authorization to reproduce or distribute the content of this site or any part thereof,
please contact the Corporation.
How to contact us.
Updated versions of this Personal Information Policy are posted on Stratum Advisory Group
Inc.’s website or you can direct any queries about this Policy to Stratum Advisory Group Inc.’s
Privacy Officer at the telephone, e-mail address, or mailing address listed below.
For more information, to file a complaint, to make enquiries, or to opt out of all or parts of this Policy,
please contact Stratum Advisory Group Inc.’s Privacy Officer:
Stratum Advisory Group Inc.’s Privacy Officer
Address: 402-4211 Yonge St, ON M2P 2A9
Telephone: 416-792-7244
Fax No: 416-792-7241
E-mail address: [email protected]
Internet: www.stratumadvisorygroup.com
If you have a complaint, we want to know about it.
If you have a complaint related to this Personal Information Policy or any of our procedures, contact
our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue,
including amending our Policy and practices, if necessary.
If we are not able to resolve your concern, or if you have any other concerns about Stratum Advisory
Group Inc.’s Personal Information Policy and procedures, you may contact the Office of the Privacy
Commissioner of Canada or, if applicable, the provincial Privacy Commissioner. Stratum Advisory
Group Inc.’s Privacy Officer will provide you with the contact information upon request.