How Personal Information Is Handled.

1. Scope of This Policy

This Privacy Policy applies to personal information collected through this website, booking or inquiry forms, email communications, consultation requests, and the Corporate Liquidity Review process.

For the purposes of this policy, “personal information” means information about an identifiable individual. It does not generally include business contact information used only to communicate with an individual in their professional capacity, where applicable law treats that information separately.

2. Information We May Collect

We collect only the information reasonably necessary to respond to inquiries, evaluate suitability, schedule reviews, and support advisory or implementation discussions.

Information you provide directly

• Name, email address, phone number, and preferred contact details.
• Professional role, practice type, corporation type, or business context.
• Information submitted through booking forms, contact forms, questionnaires, or email.
• Details relevant to a Corporate Liquidity Review, including retained earnings context, passive-income exposure, corporate cash flow, liquidity goals, shareholder planning objectives, and insurance-planning considerations.

Information collected automatically

• Website usage data, browser type, device type, pages visited, approximate location, and referral source.
• Cookies or similar technologies used to operate the website, measure performance, improve user experience, or understand traffic patterns.

If underwriting, insurance application, or implementation steps are pursued, additional information may be requested by licensed advisors, insurers, underwriters, or service providers. That information may include sensitive financial, health, or insurance-related information depending on the strategy and application requirements.

3. How Information Is Used

Personal information may be used for the following purposes:

• To respond to inquiries and schedule a Corporate Liquidity Review.
• To assess whether a corporate-owned insurance or liquidity planning strategy may be suitable.
• To prepare for client consultations, modelling discussions, or implementation reviews.
• To coordinate with authorized advisors, implementation partners, insurers, underwriters, or administrative service providers.
• To maintain records of communications, review requests, and client interactions.
• To comply with legal, regulatory, contractual, compliance, or professional obligations.
• To improve website performance, communication quality, and service delivery.

We do not use personal information for unrelated purposes without consent, unless permitted or required by law.

4. Consent

By submitting information through this website, booking a review, sending an email, or participating in the Corporate Liquidity Review process, you consent to the collection, use, and disclosure of your personal information for the purposes described in this Privacy Policy.

You may withdraw consent at any time, subject to legal, regulatory, contractual, or practical restrictions. Withdrawal of consent may limit our ability to respond to your inquiry, complete a review, or support implementation.

5. Disclosure of Personal Information

Personal information may be disclosed only where reasonably necessary for the purposes described in this policy.

Disclosure may include:

• Authorized advisory team members involved in the Corporate Liquidity Review or implementation process.
• JR Morales or other licensed implementation partners where a client consultation or suitable insurance implementation is being considered.
• Insurance carriers, managing general agencies, underwriters, and administrative service providers where implementation is requested or required.
• Technology providers supporting website hosting, booking forms, email, CRM, analytics, document handling, or communication workflows.
• Accountants, tax advisors, lawyers, or other professional advisors, but only where authorized by you or required to support the planning process.
• Regulators, courts, law enforcement, or other parties where required or permitted by law.

We do not sell personal information.

6. Service Providers and Cross-Border Processing

Some third-party service providers may process or store information outside your province or outside Canada. When this occurs, personal information may be subject to the laws of the jurisdiction where it is processed or stored.

We take reasonable steps to use service providers that support appropriate privacy and security practices for the nature of the information handled.

7. Cookies and Website Analytics

This website may use cookies, analytics tools, pixels, or similar technologies to support website functionality, understand visitor behaviour, measure performance, and improve user experience.

You may adjust your browser settings to refuse or delete cookies. Some website features may not function properly if cookies are disabled.

8. Safeguards and Security

We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the personal information being handled.

Safeguards may include access controls, limited internal access, secure communication practices, service provider controls, and appropriate record-handling procedures.

No website, email system, or electronic communication method is completely secure. Do not submit highly sensitive information through general website forms unless specifically requested through an appropriate secure process.

9. Retention

Personal information is retained only as long as reasonably necessary for the purposes described in this policy, or as required for legal, regulatory, insurance, compliance, recordkeeping, dispute-resolution, or business purposes.

When personal information is no longer required, it will be securely deleted, anonymized, or otherwise disposed of in a reasonable manner.

10. Access, Correction, and Questions

You may request access to personal information we hold about you, request correction of inaccurate information, withdraw consent where applicable, or ask questions about how your information is handled.

We may need to verify your identity before responding to a request. Access may be limited where permitted or required by law, including where disclosure would reveal confidential information, third-party information, legal privilege, or information related to an investigation or dispute.

11. Communications and Marketing

We may use your contact information to respond to inquiries, provide requested information, schedule consultations, or follow up regarding the Corporate Liquidity Review.

Where marketing or educational communications are sent, you may unsubscribe or request removal from future non-essential communications.

12. Third-Party Links

This website may link to third-party websites, including government, booking, insurance, or advisory resources. We are not responsible for the privacy practices, content, or security of third-party websites.

13. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time to reflect changes in legal requirements, business practices, service providers, or website functionality.

The updated version will be posted on this page with a revised “Last updated” date.

14. Contact

For questions, access requests, correction requests, or privacy-related concerns, contact: