Privacy Policy

OUR PRIVACY POLICY AND COMMITMENT TO PROTECTING YOUR PRIVACY

We value your business, and we thank you for your confidence in choosing our firm as your source for advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.

YOUR RIGHTS AS THEY PERTAIN TO YOUR PERSONAL INFORMATION

  • You had a right to know why an organization collects, uses, or discloses your personal information.
  • You have a right to expect an organization to handle your information reasonably and not use it for any other purpose other than the one to which you consented.
  • You have the right to know who in an organization is responsible for protecting your information.
  • You have the right to expect an organization to protect your data from unauthorized disclosure.
  • You have the right to inspect the information an organization holds about you and make sure it is accurate, complete, and current.
  • You have the right to expect an organization to destroy your information when requested or when no longer required for the intended purpose.
  • You have the right to confidentiality complain to an organization about how it handles your information and to the Privacy Commissioner of Canada if need be.

HOW WE COLLECT, USE AND DISCLOSE YOUR INFORMATION

When you do business with us, you share personal information, including sensitive medical information, which we keep in your file so that we may provide you with financial strategies, products, and services that best meet your needs. We assume you consent for our firm to use this information appropriately. We may use and disclose this information to:

  • I use your personal information to identify products, concepts, and services to address the needs you have identified. By signing this form, you agree:
  • To provide accurate, current and updated information throughout our business relationship as your circumstances change,
  • To allow me to use, share and disclose this information on an as-needed basis with my suppliers, associates, and wholesale organizations, which may retain some information on file for future use and reference by me, my suppliers and any assignees.
  • To communicate with you by mail, email, internet, or other electronic means to provide printing, mailings, and marketing information on products & services we offer.
  • To allow me to retain your personal information including, health information as detailed on you applications and any financial details you have provided, in my records for as long as I am your advisor or have a business or regulatory need to retain the information; and
  • To the assignment of your file, including your personal information, to another agent and/or agency, to continue to service your needs, if I become incapaciatetd, die or retire. You will, however, have the right to choose your agent, should you not agree to the agent selected for the re-assignment.
  • To communicate with you in a timely and efficient manner.

YOUR PRIVACY CHOICES

You may withdraw your consent at any time (subject to legal or contractual obligations and on providing us reasonable notice) by contacting our Privacy Officer. Please be aware that withdrawn your consent may prevent us from providing you with requested products or services. We may occassionally use your personal information to advise you of products or services we believe may be of interest to you or fit your personal circumstances If you would rather not receive this type of communication, please advise our Privacy Officer.

What is privacy and why does it matter?

Privacy is about more than just protecting you when you share your personal information when you use our products and services, or when you use our website. Privacy is also about our obligation to collect, use and disclose this information only for the purposes we’ve explained to you.

At the Martsa Financial Services we have a long history of protecting your information. Your information lets us give you the best possible service and products.

COMPLIANCE WITH CANADIAN ANTI-SPAM LAW AND IT'S REGULATIONS (CASL)

In the course of providing our services, we may want to provide you with some product opportunities or industry updates that may benefit you or enhance your insurance and/or financial health. As of July 1, 2014, Canada has anti-spam law (CASL), which reduces our ability to send you commercial electronic messages. This law requires your consent for us to communicate with you by electronic messaging and social media, including but not limited to: email, text messaging, and imessage.

Our Privacy Officer is:
Suite 400-1087 Queen Street West
Toronto, Ontario M6J-1H3
(416) 848-6999
privacyofficer@martsafinancial.com
Until advised otherwise, you have my consent to collect and maintain my personal information in my client file. I give permission Martsa Financial Services or any associates employed with this organization to contact me by electronic methods. I also authorize my advisor to communicate with me in a timely and efficient manner, including by automated means. I, the undersigned, have read, understand, and consent to this document. I further understand that I may rescind this consent by providing Martsa Financial Services with written notification

Our online privacy statement

How we safeguard your personal information and what types of information we receive and collect when you visit our website

Your privacy is important to us. We want you to understand how we safeguard your personal information and what types of information we receive and collect when you visit our website.

The term "personal information" includes any individually identifiable information about you that we may collect from you online, such as your name, address, email address, telephone number, or social Insurance Number.

When you visit a Martsa Financial Services website, you are anonymous unless you choose to identify yourself. You are not required to provide personal information to use our website, unless a feature requires it. For example, if you have a policy or contract with us and wish to access your account online, you will need to provide identifying information. In these cases, we have physical, electronic and procedural safeguards in place to help protect your online personal information from unauthorized use or improper access. These safeguards may include:

  • Passwords and personal identification numbers (PINs): Clients can access their account information online only after providing identifying information and a password or PIN. This information is unique to you, and is an important first step in protecting your information online.
  • 128-bit encryption: Martsa Financial Services uses a Secure Sockets Layer (SSL) protocol to protect personal information transmitted to us electronically. SSL transmitted information is encrypted, or scrambled, to prevent unauthorized reading of the electronic communication.

Although we have physical, electronic and procedural safeguards that we believe are adequate to protect personal information, any such systems may be subject to human and operational error. In particular, because the Internet is an open system, we cannot and do not guarantee that personal information entered by you online will not be misappropriated, intercepted, modified, deleted or used by others.

if you think that any personal information we have collected about you is inaccurate, you may send a written request to us at the following address: Martsa Financial Services 1087 Queen St W Suite 400, Toronto, ON M6J 1H3. We will review your request and make appropriate changes if warranted.

You may choose not to provide your personal information through a Martsa Financial Services website and use an alternative form of communication such as telephone, fax or regular mail.

Martsa Financial Services like many organizations, sometimes gathers data, such as your IP address, regarding howvisitors explore our website - information about the number of new and repeat visitors, where on the website a visitor explores, how long they visit, where they are geographically located and similar details. We may also track how many users visit advertisements promoting our products and services that appear on other company website. All such information is collected in an unidentifiable form and is used to improve our website' performance and functionality, create a better experience for our visitors, measure the response to web marketing campaigns and provide you with more relevant content based on your possible interests in Martsa Financial Services content, products and services.

Martsa Financial Services or its agents on our behalf collect this information through the use of cookies and electronic images known as web beacons.

A cookie is a small piece of information that a website sends to your computer where it is stored on your hard drive. The next time you visit our website, we may use the information stored on your cookie to make your visit easier. A cookie does not tell us your identity unless you have chosen to provide it to us. Cookies cannot access other information or files from your computer. There are 2 types of cookies - session cookies and permanent or persistent cookies.

A session cookie (sometimes called a "transient" cookie) is erased when you close your Internet browser and leave our website. In the United Kingdom, only session cookies are used.

A "permanent" cookie is a file that remains on your computer when you close your Internet browser. A permanent cookie can be read only by the website that created the cookie when you revisit that site. Permanent cookies are not used in all of our jurisdictions.

Cookies can identify a visitor only if the visitor has used a website's login feature. If you ask us to save your access ID to be used the next time you visit our website, we will use a permanent cookie to store your access ID in an encrypted format on your computer so that the next time you visit the website you will be recognized when you sign in. In this way, the website can recall your preferences and provide a more customized experience.

Permanent cookies have expiry dates and are automatically deleted from your computer after their expiry date. You can also clear your stored cookies via your browser preferences on your computer. However, unless you have settings that disallow cookies, the next time you visit our website, a new cookie will be added. You can set your website browser to notify you when you receive a cookie so that you can decide whether to accept or reject it. Since the procedure for altering preferences varies by browser you should check the "Help" menu of your browser to learn how to alter your cookie preferences. Please note, however, that rejecting cookies while visiting a Martsa website may result in certain parts of the website not functioning correctly or as efficiently as if cookies were allowed.

The permanent cookies that may be placed on your computer by the Google Display Network relating to web marketing campaigns are used to increase the relevance of display ads you may see when you visit other website that are serviced by the Google Display Network. To opt out of these cookies, select the opt out button on the Google Privacy Centre page.

Web beacons are a collective term used to refer to "pixel tags", "web beacons" or "clear GIF images" embedded in a web page and usually invisible to the user. Web beacons are used for many of the same purposes as cookies, allowing Martsa or its agents on behalf of Martsa to compile aggregate statistics about website usage patterns, such as how many times a link or an area on a website is clicked.

All the information collected by any of these online tracking tools is non-personal and is not used in connection with any other information that could identify you personally unless you have entered your access ID and password or provided it to us through your permanent cookie.

We may share the site visit information obtained using cookies, web beacons and other similar technologies with Google Analytics or other agents to analyze online activity on our website or in reaction to our online advertisements.

At this time, Martsa does not alter its behaviour or change its services upon receiving Do Not Track requests.

To provide website visitors with more information that may be helpful to them, some of our website contain links to other website that are not affiliated with or maintained by Martsa Financial Services. We do not monitor the privacy practices of these third-party sites, and do not have authority over them. As a result, we do not assume any responsibility for the data collection policies and procedures of these sites.

Martsa website are not directed at children. Our member company website do not knowingly collect information from children under the age of 18.

Please be aware that we may update and modify this online privacy statement at any time. Please review this section each time you access and/or use our website.

Social media guide

How we safeguard your personal information when you communicate with us by social media

If you are a customer of Martsa Financial Services and require assistance, please send an email to info@martsafinancial.com and we will connect you with the appropriate area in our business. Be sure to include the nature of your inquiry and your business with Martsa Financial Services to help us forward your email to the appropriate area.

Martsa Financial Services invites you to provide us with your comments through our social channels.

Protecting your privacy is priority for us. Any information you provide to us via social media (either through public areas or private message) is kept confidential in our records and will be used to help us better understand the interests and needs of individuals like you who choose to communicate with Martsa Financial Services through our social media channels. In Martsa Financial Services’s records, access to any personal information you may post in your comments will be restricted to those employees, representatives and third party service providers who are responsible for the administration of our social media channels. In some instances these persons may be located outside of your jurisdiction and any personal information you post may be subject to the laws of such foreign jurisdictions. To find out about our Privacy Policy, visit our website at www.martsafinancial.com/privacy, then select your region; or to obtain information about our privacy practices, send a written request by e-mail to info@info@martsafinancial.com, or by mail to Privacy Officer, Martsa Financial Services,1087 Queen St W Suite 400, Toronto, ON M6J 1H3, Canada.

By posting a public comment, you acknowledge and agree that it is not confidential and that if it isn’t your own you have permission to post it. By posting it, you are also giving Martsa Financial Services the right to re-use it in any way. From time to time, Martsa Financial Services may, at its discretion, modify this commenting policy.

Martsa Financial Services reserves the right to remove any comments that it views to be in violation of any of the following guidelines:

  • Protect your privacy
    Any comments or posts to the public areas of our social channels should not include personal or sensitive information. This includes policy, claim or account numbers, as well as email addresses, phone numbers or mailing addresses. Martsa Financial Services will take steps to remove (or encourage you to remove) public comments that include personal information. Although private messages via the social platform are not accessible to the public at large, Martsa Financial Services strongly recommends you use caution when sharing personal information through the social media channels. All of your activity on a social media platform is subject to that site's then current terms and conditions, along with their privacy and data security practices and policies. These platforms are not affiliated with Martsa Financial Services and may have practices and policies that are different from our own. For more information on Martsa Financial Services’s commitment to privacy, please visit the privacy page on our web site.
  • Respect others
    Please do not publicly identify or reference information about others that has not been voluntarily made available by them in a public post. This includes, but is not limited to, Martsa Financial Services employees, advisors, agents and contractors.
  • Content Restrictions
    All applicable laws including copyright laws must be followed. Do not use racist, sexist and/or offensive language. Personal attacks are not permitted. Any comments that are abusive, hateful or of a defamatory nature are not permitted. Do not post a comment that breaks the law or encourages bad behaviour. Do not include false information. Do not include links to any content with a virus or other harmful component. Martsa Financial Services is not responsible if there are any claims from third parties related to your comments on our social media channels.
  • Be relevant and considerate
    We ask that you please keep your comments relevant to the topic of conversation. Martsa Financial Services will determine if a comment is off topic at its sole discretion, and if appropriate, remove it. Comments that include solicitations will be deleted.
  • Posts are subject to removal.
    Martsa Financial Services reserves the right to delete/hide any comments that it views to be in violation of this Commenting Policy. We may ban repeat offenders from our social media channels and/or those committing significant violations of these policies.
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1-833-MARTSAF (627-8723)
info@martsafinancial.com