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Links to other sites
Some of the sites listed as links herein are not under the control of KL&A. Accordingly; KL&A makes no representations whatsoever concerning the content of those sites. The fact that KL&A has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by KL&A with respect to such site, its owners or its providers. KL&A is providing these links only as a convenience to you. KL&A has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and KL&A cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.
KL&A is in business to provide you with a broad variety of insurance and financial services. To meet your needs and serve you well, KL&A needs to know about your personal information, the details of which can differ depending on the types of insurance and financial services you require.
By purchasing insurance or financial services, you are providing your consent to the collection, use, and disclosure of certain personal information. You, as an individual, have a right to know how your financial advisor collects, uses, and discloses personal information. You have a right to expect that, to the best of our ability, your personal information held by us remains accurate, confidential and secure.
KL&A is proud of its reputation in maintaining the confidentiality and security of personal information. We've provided this information to explain to you how we protect the privacy of individual client’s personal information.
The need for confidentiality
As professional financial advisors we are committed to holding our clients personal information in strict confidence, and we shall not disclose any such information unless authorized by our clients, required by law to do so or required to do so in conducting negotiations with underwriters or insurers on behalf of the client.
Except as outlined below, a record is kept each time personal information is disclosed, noting the nature of the disclosure, the date and the identity of the party to whom the disclosure was made. Individual records of disclosure are not maintained for regular or routine actions such as transfers of information to insurers, underwriters and claims adjusters.
Or conduct and policy is based on the Canadian Standards Association (CSA) Model Code for the Protection of Personal Information and the Federal Personal Information Protection and Electronic Documents Act.
The need for trust
Trust comes with confidence. The more you know about us, the more confident you can feel about dealing with KL&A. Similarly, the more we know about you, the better we can serve you.
KL&A collects and uses information about you for only the following purposes.
- To understand your needs.
- To analyze the suitability of our insurance and financial products or services for you.
- To determine your eligibility for our products and services.
- To set up, manage and offer products and services that meet your needs.
- To provide you with ongoing service.
- To advise you of information, products and services which may better serve your needs
- To meet our legal and regulatory requirements.
- To facilitate the underwriting process and insurance claims.
Because it is important that we keep your trust, we will only ask for information we need, and when we ask you for information, we'll let you know why we need it.
Subject to legal and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you, or withdraw your consent to our further collection, use or disclosure of information at any time by giving us reasonable notice in writing.
If you refuse or withdraw your consent to the collection, use or disclosure of information about you, we may not be able to provide or continue to provide you with some products, services or information of value to you.
With your consent and where the laws allow, an advisor may share your personal information (other than health information) with other advisors within the firm so that they may directly tell you about their products and services.
The need for accuracy
While KL&A tries to ensure that the information we hold about you is accurate, complete and up-to-date, it is in your obligation to inform your advisor, promptly of a change of name, address or any other relevant information.
If you believe that personal factual information in your records may be inaccurate, we make it easy for you to access, verify and update it. If information has been provided to third parties, we will convey the corrected information to them, if necessary.
If we do not agree to change your personal information, you may challenge our decision. We will make a record of this challenge and, if necessary disclose the challenge to third parties who also possess the information.
The need for access
To review the personal information, which KL&A has about you, simply notify your advisor. Basic personal information can be verified on the spot, at no charge. If you wish to review more extensive information, you'll be asked to provide details regarding the nature of the information you wish to check.
The information will be obtained from our files and will normally be provided within 30 days of your request. There may be a charge for retrieving this information, in which case you will be notified in advance and may, if you like, withdraw your request. You may also challenge the reasonableness of the charge.
Sometimes we may not provide you with information about you that is within our control. This can occur if your right of access is constrained pursuant to the provisions of the Federal Personal Information Protection and Electronic Documents Act. For example, we will not provide you with personal information in our control if:
- It would reveal personal information about another party and your personal information cannot be separated.
- The information is subject to solicitor/client or litigation privilege.
- It contains the firm's confidential commercial or proprietary information, or if it cannot be disclosed for legal reasons.
- The information is used for the detection and prevention of criminal activity and dealings in the proceeds of crime.
If we deny your request for access to your personal information, you will be told why, unless prohibited by law. You may challenge that decision.
Once you have the information, all you have to do is check it for accuracy and let us know if there are any corrections required. We will correct our records or make note of any differences. If information has been provided to third parties, we will convey the corrected information or the note of any differences to them, if necessary.
The need for security
Every employee, as a condition of employment, takes responsibility for protecting client privacy, confidentiality and security. This obligation remains in effect even after an employee leaves the firm.
Suppliers of services to the firm such as software vendors are required to sign contracts obligating them to protect the privacy and confidentiality of personal information provided to them to enable them to perform their function.
Appropriate controls are in place over computer systems and data processing procedures and these controls are reviewed on an ongoing basis to ensure compliance with our security and privacy policies.
The firm destroys or erases any personal information when it is no longer needed. When information is destroyed or erased, the firm takes care that there is no unauthorized access.
In short, our people are committed, and our systems are designed, to protect your privacy and confidentiality.
Manulife Securities Privacy Disclaimer
Questions or concerns
Questions or concerns about personal information held by the firm can be answered readily by the KL&A Privacy Officer who can be reached at 519-974-4429. However, should the Privacy Officer be unable to resolve your concerns you may contact:
Federal Privacy Commissioner
112 Kent Street
Place de Ville
Tower B, 3rd Floor
Ottawa, ON K1A 1H3
Toll free: 1-800-282-1376