Privacy Policy

This Privacy Policy outlines how Bhupinder Singh Gill ("we", "our", or "us"), operating in the financial industry providing insurance and investment services, collects, uses, discloses, and protects your personal information. We are committed to safeguarding your privacy and ensuring the security of your personal data.

## Information We Collect

We collect the following types of personal information:

- Contact details (name, address, phone number, email)
- Financial information (income, assets, liabilities, tax information)
- Employment details
- Insurance policy information
- Investment preferences and risk tolerance
- Social Insurance Number (for tax reporting purposes)
- Health information (for insurance applications)

## How We Collect Information

We collect personal information through:

- Account opening forms and applications
- Telephone, email, or in-person conversations
- Online interactions through our website
- Third-party sources (with your consent)

## How We Use Your Information

We use your personal information to:

- Provide insurance and investment services
- Process transactions and maintain your account
- Assess your financial needs and recommend suitable products
- Comply with regulatory requirements
- Prevent fraud and manage risk
- Communicate with you about our products and services

## Data Security

We implement robust security measures to protect your personal information, including:

- Encryption of sensitive data
- Secure access controls and authentication mechanisms
- Regular security audits and vulnerability assessments
- Employee training on data protection and privacy

## Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. We have established data retention policies to ensure that we do not keep your information longer than needed.

## Sharing of Information

We do not sell your personal information. We may share your information with:

- Financial institutions and insurance providers to facilitate your requests
- Regulatory authorities as required by law
- Service providers who assist us in our operations (subject to confidentiality agreements)

## Your Rights and Choices

You have the right to:

- Access and review your personal information
- Request corrections to your information
- Withdraw consent for certain data processing activities
- Request the deletion of your information (subject to legal requirements)

## Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website, and significant changes will be communicated to you directly.

## Consent

By providing us with your personal information, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. You may withdraw your consent at any time, subject to legal or contractual restrictions.