Barrhaven Financial Services Inc. ("we") respects your privacy and handles personal information in line with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

Accountability and Privacy Officer

Our Privacy Officer is responsible for how we handle personal information: Saman (Sam) Pakbaz, hello@barrhavenfinancial.ca, 20 Laming St, Ottawa ON K2J 1V1.

What we collect

Website, chat and booking forms: name, email, phone, postal code, the product you're interested in, your preferred contact time, and your message.

When you apply for coverage: the information the insurer needs, including health and financial details. We collect that only through secure channels, never through website chat or forms.

Technical data: basic website analytics and cookies. We use cookies our website needs to work, such as keeping your chat session and booking going. We may also use basic Zoho analytics to see how visitors use the site, for example which pages are visited most. We don't use advertising or tracking cookies. You can block or delete cookies in your browser settings, but chat and booking may not work properly.

Why we use it

To respond to you, compare insurance options, help you apply for and service your coverage, keep the records the law requires, and, only if you agreed, send you marketing emails.

Consent

We collect, use and share your information with your consent, except where the law allows otherwise. You can withdraw consent at any time, subject to legal or contractual limits. We'll explain what that means for us.

Sharing

We share personal information only as needed:

with the insurers you choose to apply to, and their underwriters

with our managing general agency, where that applies

with service providers who process data for us

where the law requires it

We do not sell personal information.

Service providers and where your data is stored

Our website, booking and CRM tools are provided by Zoho and stored in Zoho's Canadian data centre. Our service providers process data on our behalf under contract.

Retention

We keep personal information only as long as we need it for the purposes above or as required by law and insurer or regulatory record-keeping rules, then destroy it securely. We generally keep client records for 7 years after our relationship ends, or longer if the law or an insurer requires it.

Safeguards

We use administrative, technical and physical safeguards suited to how sensitive the information is, including access controls and encrypted services.

Your rights

You can ask to see the personal information we hold about you, ask us to correct it, or ask questions about our practices. Contact our Privacy Officer, and we'll reply within 30 days. If you aren't satisfied, you can contact the Office of the Privacy Commissioner of Canada (priv.gc.ca).

Marketing emails

We send marketing emails only with your consent. Every email includes an unsubscribe link, and we process unsubscribe requests within 10 business days.

Changes

We may update this policy. The current version is always posted here.

Last updated: November 12, 2026