Privacy Policy

1. Information We Collect

We collect the following categories of personal information:

• Contact information — full name, email address, and phone number.
• Quote information — date of birth, sex, smoker/nicotine status, desired coverage amount, term length, and province of residence, used solely to generate an estimated life insurance premium.
• Communication preferences — your consent (or withdrawal of consent) to receive marketing communications from us.
• Technical information — IP address, browser type, referring URL, and analytics/advertising identifiers (e.g. Google Click ID, Meta Click ID) collected automatically when you visit the site.
• Lead ad information — if you submit an inquiry through a Meta (Facebook/Instagram) Lead Ads form, we receive the contact and quote information you provided to Meta.

2. How We Use Your Information

We use the personal information we collect to:

• Generate an estimated insurance premium using your quote information;
• Respond to your inquiry and connect you with a licensed insurance advisor;
• Send you marketing or follow-up communications, where you have provided express consent in accordance with Canada's Anti-Spam Legislation (CASL);
• Maintain records of our communications with you in our client relationship system;
• Measure and improve the performance of this website and our advertising; and
• Comply with legal, regulatory, and insurance industry recordkeeping obligations.

3. Consent

By submitting the quote form, you consent to First Avenue Financial collecting and using your personal information as described in this policy, and to being contacted by a licensed advisor about the products and services you inquired about. Where you provide separate consent to receive marketing communications, that consent is obtained in accordance with CASL and can be withdrawn at any time, free of charge, by using the unsubscribe link included in our emails or by contacting us using the information in Section 10 below. Withdrawing consent to marketing communications does not affect our ability to contact you regarding a quote or inquiry you have already submitted.

4. Disclosure of Your Information

We may share your personal information with:

• Insurance carriers and underwriters — where you proceed with an application, to obtain formal underwriting and issue a policy;
• Compulife Software Inc. — a third-party quote comparison engine we use to calculate estimated premiums from information you provide;
• Service providers — including our website hosting, database, and customer relationship management providers, who process information on our behalf and are contractually required to protect it;
• Advertising platforms— Meta (Facebook/ Instagram) and Google, for the purpose of measuring and optimizing our advertising, in accordance with those platforms' own privacy policies; and
• Legal and regulatory authorities — where required by law, regulation, or a valid legal process.

We do not sell your personal information to third parties.

5. Cookies and Analytics

This website uses essential cookies required for the site to function, and analytics/advertising cookies that help us understand website usage and measure advertising performance. Non-essential cookies are only set after you provide consent through our cookie banner. You can withdraw or manage cookie consent at any time through your browser settings or the cookie preferences on this site.

6. Data Retention and Security

We retain personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law and insurance industry recordkeeping requirements. We use reasonable administrative, technical, and physical safeguards — including encrypted data transmission and access- controlled databases — to protect your personal information against unauthorized access, use, disclosure, or loss.

7. Your Privacy Rights

Subject to limited exceptions, you have the right to request access to the personal information we hold about you, request correction of inaccurate information, and request that we delete or stop using your information. This website is operated in accordance with the federal Personal Information Protection and Electronic Documents Act (PIPEDA), Alberta's Personal Information Protection Act (PIPA), and British Columbia's Personal Information Protection Act (PIPA). To exercise any of these rights, contact us using the information in Section 10 below. We will respond to your request within the timelines required by applicable law.

8. Children's Privacy

This website is not directed at, and is not knowingly used by, children. Insurance products described on this site can only be purchased by individuals who have reached the age of majority in their province of residence. We do not knowingly collect personal information from children.

9. Third-Party Links

This website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy policy of any third-party site you visit.

10. Contact Us

If you have questions about this Privacy Policy, or wish to exercise your privacy rights, please contact us at:

First Avenue Financial
Phone: 403-390-2380

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes to our practices or applicable law. The "Last updated" date at the top of this page indicates when this policy was last revised. We encourage you to review this page periodically.