Privacy Policy

Last updated: January 1, 2026

1. Introduction

Gallagher Financial ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our financial planning services.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation in Ontario, Canada.

2. Information We Collect

Personal Information

We may collect the following personal information when you engage our services or contact us:

  • Full name, date of birth, and contact information (address, phone, email)
  • Social Insurance Number (SIN) for investment and insurance applications
  • Financial information including income, assets, liabilities, and investment objectives
  • Employment information and beneficiary details
  • Health information for insurance applications

Website Information

When you visit our website, we may automatically collect:

  • IP address and browser type
  • Pages visited and time spent on each page
  • Referring website or search terms
  • Device type and operating system

3. How We Use Your Information

We use your personal information to:

  • Provide financial planning, investment, and insurance services
  • Process applications and transactions on your behalf
  • Communicate with you about your accounts and services
  • Comply with legal and regulatory requirements
  • Improve our services and website experience

4. Disclosure of Information

We may share your personal information with:

  • Insurance companies and investment fund companies to process your applications
  • Regulatory bodies as required by law (e.g., FSRA, MFDA)
  • Third-party service providers who assist in our operations (subject to confidentiality agreements)
  • Legal authorities when required by law or to protect our rights

We will never sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

  • Encrypted data transmission and storage
  • Secure physical storage of paper documents
  • Access controls limiting information to authorized personnel
  • Regular security assessments and updates

6. Your Rights

Under PIPEDA, you have the right to:

  • Access your personal information held by us
  • Request correction of inaccurate information
  • Withdraw consent for certain uses of your information
  • File a complaint with the Privacy Commissioner of Canada

7. Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, and as required by applicable laws and regulations. Financial records are typically retained for a minimum of seven years.

8. Cookies

Our website may use cookies and similar technologies to enhance your browsing experience. You can control cookie settings through your browser preferences.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website with an updated effective date.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

Gallagher Financial
London, Ontario, Canada
Phone: 519-619-3241
Email: victoria@gallagherfinancial.ca