Privacy Policy

I respect the confidentiality of personal information entrusted to my independent insurance practice. This policy describes my privacy practices, including practices relating to this website, under British Columbia's Personal Information Protection Act (PIPA) and other applicable law.

I am individually licensed in British Columbia for Life Insurance and Accident & Sickness Insurance activities, currently under supervision. I process insurance business through a Managing General Agent (MGA) and participating insurers, which may also handle information under their own privacy obligations.

Depending on your inquiry or insurance needs, I may collect information reasonably necessary for the purposes explained at or before collection, including:

• Identity and contact details, such as name, address, email, phone number, and date of birth.
• Financial, employment, and insurance information relevant to your needs or application.
• Health and medical information where necessary for insurance applications or underwriting.
• Communications, consent records, applications, and policy service history.
• Website information, such as IP address, device/browser details, pages visited, and cookie data, where applicable.

I collect information from you through inquiries, meetings, communications, forms, and applications. With consent or other legal authority, I may also obtain information from my MGA, insurers, medical professionals, and other authorized sources.

I use information to respond to inquiries, assess insurance needs, provide recommendations, prepare and service applications and policies, communicate with you, maintain records, prevent fraud, and comply with legal and regulatory obligations.

I obtain consent to collect, use, and disclose personal information unless the law permits or requires otherwise. Express consent is generally appropriate for sensitive information, including medical information. You may withdraw consent on reasonable notice, subject to legal or contractual restrictions; withdrawal may affect my ability to provide services.

Where appropriate and authorized, information may be shared with my MGA, insurers, reinsurers, medical or paramedical providers, service providers, other professionals you authorize, or regulators and authorities as required or permitted by law. I do not sell personal information or disclose it for third-party advertising.

My website uses Formspree to process Contact form submissions and Cal.com to arrange appointments. These providers receive and process information you submit to deliver their services. Insurance quotes and applications may also use platforms operated by insurers, my MGA, or authorized service providers. Their own privacy notices may apply when you use those services.

I use reasonable administrative, physical, and technical safeguards suited to the sensitivity of the information. No electronic transmission or storage system can be guaranteed completely secure; please use designated secure channels for sensitive documents.

I retain information while needed for the purposes collected and for legal, regulatory, contractual, and business recordkeeping. Where information is used to make a decision directly affecting you, PIPA generally requires it to be retained for at least one year after that use. When retention is no longer justified, information is securely deleted, destroyed, or de-identified as appropriate.

My MGA, insurers, and service providers may store or process information in Canada or other jurisdictions, where local laws may apply.

Subject to PIPA, you may request access to your personal information, information about its use and disclosure, or correction of errors. I may verify your identity and request sufficient detail to locate records. Written requests are generally answered within 30 days, subject to permitted extensions and exceptions.

This website may use essential cookies, analytics, and cookies or similar technologies associated with embedded videos, maps, scheduling tools, or insurer services. Their use depends on the features enabled. See my Cookie Policy for details and browser controls.

This website is intended primarily for adults. Information about children may be collected when necessary for insurance services requested by a parent, guardian, or other authorized person, with appropriate consent or legal authority.

Gisele Pecapedra is the designated Privacy Contact for this insurance practice. For privacy questions, access or correction requests, or privacy complaints, use the contact details published on my Contact page. I review privacy concerns and can provide information about my privacy practices and complaint process on request.

I may revise this policy as services, practices, or legal requirements change. The posted update date identifies the latest version; material changes will be communicated when required by law.

If a privacy concern remains unresolved, you may contact the Office of the Information and Privacy Commissioner for British Columbia about your rights and complaint options under PIPA.