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Privacy Statement

I adhere to the Personal Information and Electronic Documents Act (“PIPEDA”), a federal privacy law.


1. Accountability – My company is responsible for the personal information I receive from my clients, and I will abide by the principles of PIPEDA in safeguarding that information in hard copy and computer documents. My employees also understand and abide by these rules.


2. Collection Purposes, Limitations on Collection, Use, Disclosure, and Retention – Any personal, corporate, financial, and related information collected is solely for providing advice and facilitating the purchase of products or services. To obtain products, I may share your information with insurers through intermediary brokerage firms. Only relevant information necessary for formulating advice, including personal, financial, and health information, is collected and retained.


3. Consent – By becoming my client and signing this form, you consent to the collection, use, and sharing of your personal information for the purpose of providing financial advice and purchasing financial products. This includes sharing information with insurers and brokerage intermediary firms. You also allow the retention of your information for as long as needed for advisory purposes. In the event of my retirement, death, or incapacitation, you authorize the transfer of your information to another agent or agency.

 

4. Information Accuracy – I rely on receiving accurate information to make appropriate recommendations. You may review and update your personal information upon request to ensure recommendations are based on correct information.

 

5. Safeguards – All written information is stored in secure filing cabinets or password-protected computer files. Computer files stored off-site are encrypted or locked. Old files are shredded or destroyed. My staff understands the sensitivity of this information and the importance of protecting it.

 

6. Access and Contact Information – You have the right to request access to and updates of your personal information held by me. Contact me via telephone, email, or mail to address any questions or concerns regarding your files. For more information on privacy rights under PIPEDA, visit www.privcom.gc.ca.

Advisor Disclosure

Licensing
I, Nicole Marques, am licensed as a life insurance broker in the province of Ontario. I operate my company under my personal name, Nicole Marques, and I work under the Managing General Agent IDCWIN.
 

Companies I Am Contracted With
I currently hold broker contracts with following insurance companies:

  • Canada Life

  • BMO Insurance

  • Empire Life

  • Equitable Life

  • Foresters

  • Industrial Alliance

  • Ivari

  • Manulife Financial

  • RBC Insurance

  • Sun Life

 

Alternative contracts with additional carriers can be secured if the mentioned insurance providers are deemed insufficient.
 

Relationship with the Companies I Am Contracted With
No insurance company holds an ownership interest in my business, nor do I hold an interest in any insurance company.

 

Compensation
If you choose to purchase a financial product through me, I will be paid a sales commission from the company that provides the product. I may also receive renewal (or service) commission if you are happy and keep your plan for years to come. I may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that I place during a given time.

 

Conflict of Interest
I take the potential of a conflict of interest seriously. I confirm that I have no conflict of interest. If I become aware of a potential conflict, I will tell you.


Should you require additional information about my qualifications, the nature of my business relationships, or any aspect of the services I provide, I would be pleased to assist you.

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