Anderson Chau Privacy PolicyUpdated on 2026-03-01IntroductionAnderson Chau ("I," "me," "my") is a licensed life and health insurance advisor in the Province of Ontario, regulated by the Financial Services Regulatory Authority of Ontario (FSRA). This Privacy Policy explains how I collect, use, disclose, and protect your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada's Anti-Spam Legislation (CASL).This Privacy Policy applies to information collected through my website (andersonchau.ca), booking forms, consultations, email communications, and any other interactions you have with me in connection with my insurance advisory services.By providing your personal information to me, you consent to its collection, use, and disclosure as described in this Privacy Policy. If you do not agree with the practices described here, please do not provide your personal information or use my services.Information I CollectInformation you provide directly: When you fill out a form on my website, book a consultation, or communicate with me, you may provide your name, email address, phone number, date of birth, mailing address, and other information relevant to assessing your insurance needs.Information collected during a needs analysis: During a consultation, I may collect additional information necessary to assess your insurance needs and provide suitable recommendations, including health information, financial information, employment details, family and beneficiary information, and existing insurance coverage. This information is collected only with your knowledge and consent, and only to the extent necessary to provide you with appropriate insurance advice.Information collected automatically: When you visit my website, certain technical information may be collected automatically, including your IP address, browser type, device type, pages visited, and referring URL. This information is collected through cookies and similar technologies and is used solely for website analytics and to improve your experience.How I Use Your InformationI use the personal information I collect for the following purposes:To respond to your inquiries and communicate with you about my servicesTo conduct a needs analysis and provide insurance recommendations tailored to your situationTo process insurance applications on your behalf with the applicable insurance carrierTo provide ongoing service and support related to your insurance policiesTo send you follow-up communications, educational content, and information related to life insurance products and services, where you have provided consent under CASLTo comply with legal and regulatory obligations, including those imposed by FSRA, the Insurance Act (Ontario), and applicable CLHIA guidelinesTo improve my website and servicesHow I Share Your InformationI do not sell, rent, or share your personal information with third parties for their marketing purposes.I may disclose your personal information only in the following limited circumstances:Insurance carriers: When you choose to proceed with an insurance application, your personal information will be shared with the applicable insurance carrier for the purpose of underwriting, issuing, and administering your policy. The carrier's own privacy policy will govern their handling of your information.Service providers: I may use trusted third-party service providers for website hosting, email delivery, scheduling, and other operational functions. These providers are given access only to the information necessary to perform their services and are contractually required to protect your information.Legal requirements: I may disclose your personal information where required by law, regulation, court order, or regulatory authority, including in response to requests from FSRA or other regulatory bodies.Commercial Electronic Messages (CASL)I comply with Canada's Anti-Spam Legislation (CASL) in all electronic communications. I will only send you commercial electronic messages (such as marketing emails, educational content, or promotional communications) if you have provided express consent or if implied consent exists under CASL.Every commercial electronic message I send will identify me as the sender, include my contact information, and contain a functioning unsubscribe mechanism. If you withdraw your consent, I will stop sending you commercial electronic messages within 10 business days. Withdrawing consent does not affect communications that are transactional in nature, such as appointment confirmations, policy documents, or service-related correspondence.For full details on consent and unsubscribe procedures, please refer to the consent statement provided at the point where you submitted your contact information.SMS and Text MessagingI do not currently collect mobile phone numbers or send SMS/text communications. If this changes in the future, the following will apply:Before sending you any SMS or text message, I will obtain your express opt-in consent. Mobile information, including text messaging originator opt-in data and consent, will not be shared with third parties or affiliates for marketing or promotional purposes, or for any other purpose.You may opt out of SMS communications at any time by replying STOP to any message you receive from me. For assistance with SMS messaging, you may reply HELP.Cookies and Website AnalyticsMy website uses cookies and similar technologies to collect anonymous usage data for the purpose of improving the website and understanding how visitors interact with it. I may also use tracking pixels (such as Meta Pixel) to measure the effectiveness of online advertising campaigns and to serve relevant advertisements to people who have visited my website.You can control or disable cookies through your browser settings. Disabling cookies may affect the functionality of certain features on my website. No personally identifiable information is stored in cookies.I do not use advertising cookies to build profiles for the purpose of selling data to third parties.Data RetentionI retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, to provide ongoing service related to your insurance policies, and to comply with legal and regulatory obligations. For clients with active or recently lapsed policies, information may be retained for the duration required by applicable insurance legislation and regulatory guidelines. For prospective clients who do not proceed with a policy, contact information is retained only for as long as you remain subscribed to communications or as required for regulatory record-keeping purposes.When your information is no longer needed, it will be securely destroyed or anonymized.Data SecurityI take reasonable measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include the use of encrypted connections (SSL/TLS) on my website, secure storage of electronic files, and limited access to personal information on a need-to-know basis.However, no method of electronic transmission or storage is completely secure. While I strive to protect your personal information, I cannot guarantee its absolute security.Your RightsUnder PIPEDA, you have the following rights with respect to your personal information:Access: You have the right to request access to the personal information I hold about you and to be informed of how it has been used and disclosed.Correction: You have the right to request that inaccurate or incomplete personal information be corrected.Withdrawal of consent: You may withdraw your consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions. Withdrawing consent may affect my ability to provide you with certain services.Deletion: You may request that your personal information be deleted, subject to any legal or regulatory retention requirements.To exercise any of these rights, please contact me using the information in Section 13 below. I will respond to your request within 30 days.ChildrenMy services are directed at adults. I do not knowingly collect personal information from individuals under the age of 18. If I become aware that I have inadvertently collected personal information from a minor, I will take steps to delete that information promptly.Changes to This Privacy PolicyI may update this Privacy Policy from time to time to reflect changes in my practices, applicable laws, or regulatory requirements. The updated policy will be posted on my website with a revised "Last updated" date. I encourage you to review this Privacy Policy periodically. Your continued use of my services or website after any changes constitutes your acceptance of the updated Privacy Policy.Contact InformationIf you have any questions about this Privacy Policy, wish to exercise your rights under PIPEDA, or have a privacy-related concern, please contact me:Anderson ChauEmail: [email protected]

Anderson Chau, Advisor Terms & ConditionsUpdated on 2026-03-01Agreement to TermsBy accessing or using the website located at andersonchau.ca (the "Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Website. These Terms, together with the Privacy Policy and Legal Disclaimer published on the Website, constitute the entire agreement between you and Anderson Chau regarding your use of the Website.Anderson Chau ("I," "me," "my") is a licensed life and health insurance advisor in the Province of Ontario, regulated by the Financial Services Regulatory Authority of Ontario (FSRA).Description of ServicesThe Website provides general educational and informational content related to life insurance concepts, financial planning topics, and related subjects. The Website also provides a means for visitors to book consultations with me and to submit contact information for follow-up communications.The Website does not facilitate online transactions, process payments, sell products, or provide an e-commerce function of any kind. No insurance product can be purchased through this Website.Not Professional AdviceAll content on the Website, including blog posts, videos, articles, and other materials, is provided for general educational and informational purposes only. Nothing on this Website constitutes financial advice, legal advice, tax advice, or a recommendation to purchase any specific insurance product. You should consult with a qualified professional before making any financial, legal, or insurance-related decisions.I make no representations or warranties regarding the accuracy, completeness, or applicability of any information on this Website to your individual circumstances. Insurance needs, eligibility, underwriting outcomes, premium rates, and product suitability vary based on individual factors.Consultations and BookingThe Website may include an invitation to book a no-obligation consultation. Booking a consultation does not create a client-advisor relationship, a binding agreement, or a commitment to purchase any product. A client-advisor relationship is established only when you formally engage my services and proceed with a needs analysis or insurance application.Information you provide through booking forms is handled in accordance with my Privacy Policy and the Personal Information Protection and Electronic Documents Act (PIPEDA).Electronic CommunicationsBy submitting your contact information through any form on this Website, you may be consenting to receive commercial electronic messages from me in accordance with Canada's Anti-Spam Legislation (CASL). The specific terms of consent are presented at the point where you submit your information. You may withdraw your consent at any time using the unsubscribe mechanism provided in any email, or by contacting me directly.If I collect your mobile phone number for the purpose of SMS communications, that use is governed by the SMS and Text Messaging section of my Privacy Policy, including how consent is obtained and how to opt out.For full details on how I handle electronic communications, please refer to the consent statement on the applicable form and my Privacy Policy.Intellectual PropertyAll content on this Website, including text, graphics, images, video, audio, and design elements, is owned by Anderson Chau or used with permission and is protected by Canadian and international copyright, trademark, and other intellectual property laws.You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Website without my prior written consent, except for personal, non-commercial use such as viewing, sharing a link, or printing a page for your own reference.Third-Party Links and ContentThe Website may contain links to third-party websites or resources. These links are provided for convenience only. I have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. Accessing third-party links is at your own risk and subject to the terms and conditions of those websites.Cookies and Tracking TechnologiesThe Website uses cookies and similar technologies for website analytics and to measure the effectiveness of online advertising. Cookies do not contain personally identifiable information. You can control or disable cookies through your browser settings, though doing so may affect website functionality. For more information, please refer to my Privacy Policy.Disclaimer of WarrantiesThe Website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, I disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.I do not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. I do not warrant that any information on the Website is accurate, complete, or current.Limitation of LiabilityTo the fullest extent permitted by applicable law, Anderson Chau shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Website or any content on the Website. This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if I have been advised of the possibility of such damages.Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Canadian law.IndemnificationYou agree to indemnify, defend, and hold harmless Anderson Chau from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Website or your violation of these Terms.Governing Law and Dispute ResolutionThese Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.In the event of any dispute arising out of or relating to these Terms or your use of the Website, you and Anderson Chau agree to first attempt to resolve the dispute through good faith negotiation. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue resolution through the courts of the Province of Ontario, and you consent to the exclusive jurisdiction of those courts.SeverabilityIf any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.Changes to These TermsI may update these Terms from time to time. The updated Terms will be posted on the Website with a revised "Last updated" date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. I encourage you to review these Terms periodically.Contact InformationIf you have any questions about these Terms, please contact me:Anderson ChauEmail: [email protected]