Privacy Policy

1. Who This Policy Covers

This policy applies to the professional services provided by Sean Swaby through two separate business channels:

2. Information We Collect

We only collect information that is necessary to provide you with high-quality professional services.

For Tax & Accounting:

• Social Insurance Number (SIN)
• Income statements (T4s, T5s)
• Expense receipts
• Bank information required for CRA filing

For Insurance & Investments:

• Health history
• Financial goals
• Beneficiary details
• Identification (such as a Driver's License) as required by Canadian insurance regulators and anti-money laundering laws (FINTRAC)

3. How We Use Your Information

Accuracy:

We use your data to ensure your tax returns are accurate and your insurance coverage is appropriate for your needs.

Communication:

To contact you regarding deadlines, policy renewals, or important financial updates.

Legal Compliance:

To meet our mandatory reporting requirements to the Canada Revenue Agency (CRA) and provincial insurance regulators.

4. The "Information Wall" (Internal Sharing)

Because we operate two distinct businesses, we maintain a strict "information wall."

• Information provided to Swaby & Associates Ltd. for tax purposes is not automatically shared with the insurance side of the business.
• We will only share information between the two entities if you give us explicit consent to do so (for example, using your tax return to calculate the right amount of life insurance coverage).

5. How We Protect Your Data

We treat your data as if it were our own. Our security measures include:

6. Sharing with Third Parties

We do not sell your information to anyone. We only share your data with:

• Government Agencies: The CRA (for tax filing).
• Insurance Carriers: Companies like Manulife, iA Financial, or Equitable Life (only when you apply for a policy).
• Service Providers: Secure technology partners that help us process your files (like our tax software providers).

7. Your Rights

You have the right to:

• Ask to see exactly what information we have on file for you.
• Request that we correct any inaccurate information.
• Withdraw your consent for us to hold your data (subject to legal record-keeping requirements).