Last updated: Oct 31st, 2023

Overview At Grow Wealthwaves. (“we”, “our” or “us”), we value you as a customer and we know how much privacy means to you. We are committed to protecting your privacy. We are proud to demonstrate our commitment to your privacy by complying with applicable privacy laws in Canada, including the Personal Information Protection and Electronic Documents Act.

The purpose of this Privacy Policy is to inform you about the types of Personal Information Grow Wealthwaves. collects, uses, and discloses in connection with our operations. It explains how we collect, use, disclose, retain and safeguard that information, the rights you have in relation to our handling of your Personal Information, and how you can contact us to exercise those rights, ask a question, or raise a concern with our privacy practices.

The following is a high-level summary of this Privacy Policy. Please read the Privacy Policy in its entirety before accessing our website, or disclosing Personal Information to us:

Collection of Personal Information: We collect Personal Information directly from individuals and from third parties. For more information about the types of Personal Information we collect, refer to the below.

Use of Personal Information: We use Personal Information to provide quotes or information about our products and services, process applications for insurance, underwrite insurance policies, process claims, register and administer user accounts, personalize user experiences, make recommendations, and provide individual client service, among other purposes. For more information about how we use Personal Information, refer to the below.

Sharing of Personal Information: We transfer Personal Information to third party service providers who assist us in providing our products and services. Some of the third parties that we share Personal Information with may be located in jurisdictions outside of Canada. We also disclose Personal Information to the third party companies that underwrite our insurance policies, the reinsurance companies that insure those companies, and MIB. There are rare cases in which we may disclose Personal Information without consent, such as when we are ordered to do so by a court. For more information about how we transfer and disclose Personal Information, refer to the below.

Retention of Personal Information: We retain your Personal Information only for as long as is necessary to fulfil the purposes for which it was collected. For more information, refer to the below.

Security safeguards: We employ reasonable measures to secure your Personal Information from misuse, interference, loss, and unauthorized access, modification or disclosure. For more information, refer to the below.

Consumer Rights: You may have certain privacy rights in relation to the Personal Information that we collect, use and disclose about you. You may exercise those rights by contacting our Privacy Officer using the contact information provided in this Policy. For more information, see Consumer Rights, How to access your Personal Information, and How to request correction of your Personal Information, below.

Use of cookies and other technologies: Our website, online services, emails, and advertisements may use cookies and similar technologies to help personalize your experience, better understand your preferences, understand which parts of our website you have visited, and gather usage and performance data. For more information, refer to the below.

Third party websites: Our website may include links to websites run by third parties. If you click on a link and access a third party website, the third party may collect information about you. The information practices of those third parties are not covered by this Privacy Policy. For more information, refer to the below. Changes to this Privacy Policy: We make changes to this Privacy Policy from time to time. If the changes are material, we will revise the "last updated" date at the top of the Privacy Policy and notify you that changes have been made. Contact Us: If you have a privacy question, issue or concern, or would like to exercise any of the privacy rights described in this Privacy Policy, please contact the Privacy Officer using one of the following methods:

email: info@growwealthwaves.com

mail: Grow Wealthwaves 512 – 1315 Finch Ave West North York, Ontario M3J2G6

What Personal Information do we collect about you?

“Personal Information” is any information that is about an identifiable individual or that may be reasonably linked to an identifiable individual. We collect Personal Information from you directly, for example, when you interact with our website, contact us, fill out our forms, or interact with our social media pages, and indirectly from third parties, such as health professionals, from the life and health insurance underwriting tool MIB and any MIB member insurers, and from the ministry responsible for transportation in your jurisdiction, or online comparison platforms.

The types of Personal Information that we collect depends on your use of our products and services, and how you interact with us. This may include information such as: ·    

Your name, date of birth, gender, contact information including your work or home phone number, work or home email address, residential address and postal code, marital status, health information and health history, including information about your past health insurance claims and your family health history, employment status, and financial information, such as bank account details.

  The Personal Information of your beneficiaries, including their name, residential address, date of birth, relationship to you, work or home phone number and work or home email address. Information that we generate about you, such as a unique customer identification number, policy number, and information about your transactions with us.

    Registration information, such as your username, password, password hints, and security information that is used for authentication purposes. Cookies and tracking information, such as Internet Protocol (“IP”) address and other technical data that may uniquely identify your device, system or browser, as described in more detail below.

   Any other Personal Information for which we may obtain your consent from time to time.

If you apply for employment with Grow Wealthwaves., we will collect educational information, areas of interest, specialized knowledge, work history and any information on your resume. If you choose to import data for a social networking site, or if you provide us with a link to your profile page, we may also collect additional Personal Information from your publicly available social media profile, such as your LinkedIn profile and/or your personal website.

We will always collect your Personal Information by fair and lawful means.

How do we use Personal Information?

We use Personal Information for the following purposes (the “Purposes”): · 

processing requests for information or quotes;
  

processing applications for insurance;
      

underwriting a policy;

administering a policy;

verifying the accuracy of information provided during the application, underwriting and claims processes, by cross-referencing it with information from other available sources, for example MIB; making brief
reports of your personal health information to MIB, if required.

processing a payment;

processing a claim;

registering or administering a member account.

developing and maintaining a relationship with you and communicating with you.

with your consent, communicating with you about new programs, services and promotions offered by Grow wealth waves., and any of its subsidiaries, or affiliate companies, that may be of interest to you.

responding to requests, concerns, questions, or complaints.

collecting opinions and comments regarding our operations, products,

offering more secure access to your account; and services.

enhancing website security and determining the effectiveness of our website.

identifying patterns of behaviors' to offer relevant suggestions and provide a personalized online experience, including through the delivery of targeted advertising and marketing services;

detecting, preventing, or suppressing fraud or other prohibited or illegal activities.

meeting our legal and regulatory requirements.

other purposes for which we may obtain consent from time to time.