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At Kaló Insurance and Financial Services Ltd., protecting your privacy is a fundamental part of how we serve our clients. We are committed to handling your personal information with care, transparency, and respect.

We collect, use, and disclose personal information only in ways that a reasonable person would consider appropriate, and in accordance with applicable Canadian privacy legislation.

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Personal Information We Collect

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Depending on the services we provide, we may collect information such as:

• Name, address, phone number, and email

• Date of birth and marital status

• Insurance and claims history

• Credit and payment information

• Driver’s record

• Property details (e.g., home value, contents)

• Employment information

• Medical details where relevant to underwriting (e.g., driving-related conditions)

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This information may be collected from:

• You directly

• Insurance companies and underwriting partners

• Other brokers or agents

• Credit bureaus

• Financial institutions

• Government or licensing authorities

• Medical professionals (where required and authorized)

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Why We Collect Your Information

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We collect and use your information to:

• Arrange, place, or renew your insurance coverage

• Assess your needs and provide appropriate recommendations

• Ensure your information is accurate and up to date

• Communicate with insurers and service providers on your behalf

• Protect against error, fraud, or misrepresentation

• Offer additional products or services where appropriate

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Sharing Your Information

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To properly serve you, we may share your information with:

• Insurance carriers

• Other brokers or intermediaries involved in your coverage

• Claims adjusters, legal advisors, or service providers

• Financial institutions (e.g., mortgage lenders)

We do not sell your personal information, and we do not share it with third parties for marketing purposes outside of your insurance needs.

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How We Protect Your Information

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We take appropriate steps to safeguard your personal information, including:

• Limiting access to authorized individuals

• Using secure systems and processes

• Maintaining accurate and up-to-date records

• Retaining information only as long as necessary or required by law

You have the right to request access to your personal information and to ask for corrections where needed.

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Website & Digital Communication

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If you interact with us online, we may collect limited technical data (such as browser type or site usage) to improve your experience. Please note that communication over the internet is not completely secure. While we take reasonable precautions, we cannot guarantee the absolute security of information transmitted electronically.

 

Consent

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By engaging with our services or using our website, you consent to the collection, use, and disclosure of your information as outlined in this policy.

You may withdraw your consent at any time, subject to legal or contractual restrictions, by contacting us directly.

 

Contact Us

 

If you have any questions about this policy or how your information is handled, please contact us:​​

Kaló Insurance and Financial Services Ltd.

(905) 856-5256

7675 Hwy 27 Unit 25A, Vaughan, ON L4L 4ML