PRIVACY AND DISCLOSURE STATEMENT
The laws governing insurance agents bind Integrated Financial Strategies (IFS) and our agents. The policies, procedures, and laws of the Mutual Fund Dealers Association and the Ontario Securities Commission bind Integrated Financial Strategies. Agents associated with our firm are licensed for health and life insurance as well as mutual funds, segregated funds and investment products. The Code of Ethics of Advocis, Conference for Advanced Life Underwriting, Ontario Securities Commission, and Mutual Fund Dealers Association binds all of our agents. No insurer or mutual fund company holds an ownership interest in our firm, nor does our firm hold an interest in any insurance or mutual fund company. We are compensated by sales commission at the time a policy is accepted and settled by an insurer and/or on the purchase of mutual fund investments; we may also receive non-monetary benefits, bonuses and renewal/service commissions to service you, your policy and your investments. We are licensed in Ontario, British Columbia and Alberta and we are affiliated with PPI Advisory, PPI Solutions, Bridgeforce Financial Group, and Investia Financial Services Inc. Our agents have affiliations by which we are able to provide unbiased assessments and can recommend products from BMO, Canada Life, Great-West Life, Manulife Financial, RBC Insurance, Standard Life, Sun Life, Transamerica and Empire Life. Acting in the best interest of our clients is a guiding principle at our firm and each recommendation is based solely on our analysis and assessment of your needs. It is our duty to disclose any conflict of interest or potential conflict associated with each transaction and recommendation. As the client, you understand that the calculations, projections, advice and recommendations provided will be based on the information you provide and will be made in accordance with Canadian Financial Planning Practice Standards. You understand that these will be projections only and that actual results can, and will, vary depending on a number of factors.
We will protect personal information with security safeguards that are appropriate to the sensitivity of the information, in order to protect it from unauthorized access, release or use. Any personally identifiable information about you, the client, is considered personal information and will be treated with this policy. Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended, if appropriate.
It is reasonably necessary that you share personal information so that we may provide you with the specific products and services that you have requested which meet your needs. We may use and disclose this information in order to offer, update, and provide investments, insurance products and services to you; to correspond and enable us and our associated companies to correspond with you on certain products/services which are available; to administer, service, update, and maintain your investment and insurance portfolio information on our computer database and in your client file; to verify your identity, detect and prevent fraud; to establish and maintain communication with you in a timely and efficient manner; and to act as required or authorized by law or may be required to provide a regulator access to files for the purposes of review. We do not sell or share client information with anyone, nor do we share client information with organizations outside of our relationship with you. Your consent is not a requirement or condition of working with Integrated Financial Strategies.
All employees, advisors and suppliers who are granted access to client records understand the need to keep this information confidential. We have also established physical and system safeguards, along with proper processes, to protect client information from unauthorized access or use. We may occasionally use your personal information to advise you of products or services we believe may be of interest to you.
Insurance and mutual fund investments are long-term products and we receive compensation when the product is purchased and while it remains in force. Advisors may become eligible to receive additional compensation and other non-monetary benefits, such as bonuses, travel incentives and other non-monetary rewards, depending on the success of my business, volume of sales and other factors. As your advisor, we cannot perform tax and/or legal functions for you and recommend that you review our recommendations with your legal and tax advisors.
WE TAKE YOUR FEEDBACK SERIOUSLY
Clients who are not satisfied with a financial product or service have a right to make a complaint and to seek resolution. If you have a problem, first, speak to your advisor, as he/she will solve most problems quickly. You may contact our office at 416-850-2423.