Privacy Policy

Effective Date: 2025-07-25

This Privacy Policy outlines how your personal information is collected, used, stored, and protected when you interact with this website, operated by Lilit Harutyunyan, an Independent Licensed Life & Health Insurance Advisor, partnered with iA Financial Group (Industrial Alliance), serving clients in British Columbia and Ontario, Canada.

1. Information We Collect

We may collect the following personal information through this website or during your interactions with us:

• Full Name

• Phone Number

• Email Address

• Province of Residence

• Age or Date of Birth

• Insurance Needs or Preferences

• Medical or lifestyle information (only if voluntarily submitted for quote purposes)

We only collect information that is necessary to assess your eligibility for insurance coverage or to contact you for follow-up purposes.

2. How Your Information is Used

Your personal information is used only for the following purposes:

• To provide you with a personalized life insurance quote

• To contact you via phone, email, or text message regarding your inquiry

• To assist you with the application or underwriting process (if requested)

• To provide general information about available insurance options

• To fulfill regulatory and compliance obligations

We will never sell, rent, or share your personal information for marketing purposes with any third parties.

3. Consent

By submitting your personal information on this website, you consent to its collection and use as described in this policy. If you do not agree with this policy, please do not submit personal data through the website.

You may withdraw your consent at any time by contacting us directly at LifeCoverCanada@gmail.com.

4. Third-Party Disclosure

Your information may be shared with authorized insurance providers, including iA Financial Group, only when necessary to:

• Generate a formal quote

• Process your application

• Comply with regulatory or legal requirements

All third parties we deal with are required to uphold strict confidentiality and data protection standards.

5. Data Security

We take your privacy seriously and have implemented technical and organizational measures to protect your data, including:

• Secure form submission and encrypted email transmission

• Limited access to personal information

• Secure storage of data only for the duration needed to fulfill your request

Despite our best efforts, please note that no method of internet transmission is 100% secure.

6. Retention of Data

We retain your personal data only as long as necessary:

• To fulfill the purpose it was collected for

• To comply with insurance record-keeping regulations

• Or until you request its removal (unless restricted by law)

7. Your Rights

As a Canadian resident under PIPEDA, you have the right to:

• Access your personal data

• Correct inaccurate or outdated information

• Withdraw consent

• Request deletion of your information (subject to legal exceptions)

To exercise these rights, contact:
📧 LifeCoverCanada@gmail.com
📍 Burnaby, BC, Canada

8. Policy Updates

This Privacy Policy may be updated from time to time. Any changes will be posted to this page with the revised “Effective Date” noted above.

We encourage you to review this policy periodically.

9. Contact

If you have questions, concerns, or wish to update or remove your information, you may contact:

Lilit Harutyunyan
Licensed Life & Health Insurance Advisor
📧 LifeCoverCanada@gmail.com
📍 Burnaby, British Columbia, Canada