Overview

Life Insurance Solutions Canada Inc. (“we,” “us,” or “our”) operates the SmartLife Quotes™ platform and the website https://www.lifeinsurancesolutions.ca (the “Site”). This Privacy Policy explains how we collect, use, disclose, and protect personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), as well as other applicable regulatory requirements.

By using our Site or SmartLife Quotes™ tools, you acknowledge and agree to the practices described in this Privacy Policy.

1. Our Role

SmartLife Quotes™ is a life insurance education and quote technology platform. We provide tools that allow individuals to explore life insurance options and pricing.

Insurance advice, recommendations, and policy placement are provided only by provincially licensed life insurance advisors, where applicable.

2. Personal Information We Collect

We may collect the following types of personal information when you use our Site or tools:

• Identifying information (e.g., name, province, date of birth)
• Contact information (e.g., email address, phone number)
• Lifestyle or underwriting-related information (e.g., smoking status)
• Quote and coverage preferences
• Technical information (e.g., IP address, browser type, device information)
• Communications you send to us

We collect only the information necessary to provide quote technology, respond to inquiries, and support your requested interactions.

3. How We Use Personal Information

We use personal information for the following purposes:

• To generate life insurance quotes and illustrations
• To respond to inquiries or requests you initiate
• To improve and operate SmartLife Quotes™ technology
• To maintain site security and prevent misuse
• To comply with legal, regulatory, or audit requirements
• To communicate with you only when requested or permitted

We do not use personal information for unsolicited sales outreach.

4. Consent

We collect, use, and disclose personal information with your knowledge and consent, as required by PIPEDA.

Types of Consent

• Implied consent: When you voluntarily provide information to explore quotes or use site features.
• Explicit consent: When you choose to apply, request assistance, or authorize contact by a licensed advisor.

Withdrawal of consent may limit our ability to provide certain services, such as connecting you with licensed advisors, but will not affect your ability to browse or explore general information.

5. Sharing of Personal Information

No Sale of Personal Information

Life Insurance Solutions Canada Inc. does not sell, rent, or trade personal information.

Sharing With Licensed Advisors (Key Disclosure)

If you choose to apply or request help, we may share your submitted information with a provincially licensed life insurance advisor solely to respond to your request and discuss next steps.

We do not share your information with advisors unless:

• You intentionally request assistance, or
• You initiate an application or contact request

Licensed advisors are independent professionals and are responsible for their own regulatory and privacy obligations.

Service Providers

We may share limited information with trusted third-party service providers (e.g., hosting, analytics, email services) who support our operations. These providers are contractually required to protect personal information and use it only for authorized purposes.

6. Legal Basis for Processing

For Canadian users, our processing of personal information is based on:

• Your consent
• Contractual necessity to provide requested services
• Legitimate business interests, such as site improvement and security

Where applicable, similar principles apply to users accessing the Site from other jurisdictions.

7. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy, including:

• Quote request data: retained for a limited period after your request or until no longer required
• Communications: retained for service, compliance, or record-keeping purposes
• Analytics data: retained in aggregated or anonymized form where possible

Retention periods may vary based on regulatory, contractual, or legal requirements.

8. Security Safeguards

We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction, including:

• Secure (SSL/TLS) encryption
• Restricted access controls
• Internal policies and procedures
• Ongoing monitoring and risk management

No method of transmission or storage is completely secure; however, we take reasonable steps to protect your information. In the event of a breach involving personal information, we will comply with applicable legal and regulatory notification requirements.

9. Cookies and Analytics

We may use cookies and similar technologies to improve site functionality, analyze usage patterns, and enhance user experience.

You may adjust your browser settings to manage cookies. Disabling cookies may affect site functionality.

10. Your Rights

Subject to applicable law, you have the right to:

• Access your personal information
• Request corrections to inaccurate information
• Withdraw consent
• Request deletion of personal information, where appropriate
• Ask questions about our privacy practices

You also have the right to file a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated.

11. International Users

Our services are intended primarily for individuals in Canada. If you access the Site from outside Canada, your information may be processed in Canada or other jurisdictions where our service providers operate.

We do not intentionally target residents of the European Union; however, where applicable, we endeavour to respect internationally recognized privacy principles.

12. Children’s Privacy

Our services are not intended for individuals under the age of majority in their province or territory. We do not knowingly collect personal information from minors.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. Continued use of the Site constitutes acceptance of the updated policy.

14. Contact Information / Privacy Officer

For privacy questions, requests, or to withdraw consent, please contact: