Privacy and Client Personal Information

Pal Insurance Services Limited (Pal Insurance), is committed to protecting your privacy.

We will not sell or rent your information and provide this statement on personal information practices for clients, potential clients, employees, representatives, and business partners; we assure you this is how we always handle personal information; with care and discretion.

Collection and Use of Personal Information

The collection, use and disclosure of personal information is fundamental to the professional advisory services Pal Insurance provides and the life insurance products we place. We collect and use personal information only to the extent necessary for the following purposes:

  • to provide life insurance advisory services;
  • to obtain a quote for life insurance from an insurer;
  • to assist in the placement of a requested insurance product;
  • to complete an application for life insurance;
  • to administer insurance coverage, we have assisted in placing;
  • to comply with legal requirements, such as the laws governing the distribution of
    financial services;
  • to assist in settling insurance claims; and
  • to keep clients aware of new, enhanced, or additional life insurance products which we believe may be of
    valuable interest.

An individual may at any time elect to decline or revoke their consent to our use of their personal information to communicate with them about new, enhanced, or additional life insurance products. This may be done by communicating those preferences during a meeting or by contacting our Privacy Officer. With respect to these wishes, we will be unable to provide continuing life insurance advice for such an individual and we will service only products and services previously placed on their behalf.

Disclosures of Information

Pal Insurance does not sell or rent any client lists or personal information (including e-mail address), we collect.

Respecting the importance of keeping personal information confidential, we only disclose it if required by law; in the event of fraud or criminal activity; or in order to protect the interests of Pal Insurance in civil proceedings.

Please be advised, we do disclose personal information to assist in placing requested insurance coverage, in settling a claim or as necessary in the proper administration of a client’s life insurance coverage, only the necessary information to the appropriate insurance company is provided.

Accuracy of Personal Information

We maintain procedures to ensure that the personal information we collect, and use is accurate, up-to-date, and as complete as possible. However, we rely on our clients to disclose all material information to us and to inform us of any changes.

Confidentiality of Personal Information

We treat the personal information of our clients as confidential and we do not disclose that personal information except as required in accordance with an appropriate authorization, in accordance with this privacy policy and the law. We apply appropriate safeguards to our computer networks and physical files, and we restrict access to personal information to those of our employees who need to know that information in the performance of their job duties.

Retention and Access to Personal Information

We retain personal information only for so long as is necessary to fulfill the purpose for which it was collected and to meet our legal and contractual obligations. Personal information no longer required for use is destroyed. People have a right to request access to their personal information and make corrections to inaccurate information. Please make requests in writing to the address below.

Privacy Practices

For personal information practices and any further information beyond what is in this privacy statement, please contact our Privacy Officer at This privacy statement may be modified from time to time. An up-to-date version may be obtained by contacting our Privacy Officer or by visiting

Pal Insurance Services Limited

1046 Yonge Street
Toronto, ON, Canada
M4W 2L1