Privacy Policy

1. Overview & Accountability

GSM Financial Solutions (“GSM”, “we”, “us”, or “our”), operated by Les Mroz, CLU, provides financial solutions based in Burlington, Ontario. We are committed to protecting the privacy, accuracy, and security of personal information entrusted to us in accordance with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

This Privacy Policy explains the types of personal information collected through our website (gsminsurance.ca), the purposes for which that information is collected, how it is used and safeguarded, and how you may exercise your rights regarding your personal data.

2. Personal Information We Collect

We limit the collection of personal information strictly to what is necessary for the purposes identified in this policy:

Information You Voluntarily Provide: When you complete our Discovery Call request form, contact us by email, or call our office, you may provide your full name, email address, telephone number, client category (such as business owner, executive, or professional), industry, requested area of service (such as business succession, estate planning, or life insurance), and any message or background information you choose to include.
Technical & Server Data: When you access this website, our hosting infrastructure may automatically log standard connection data, such as your IP address, browser type, operating system, referring URL, and date/time of access. This information is utilized solely for technical site administration, reliability, and security monitoring.
No Third-Party Analytics or Tracking Pixels: This website does not deploy third-party advertising cookies, behavioral tracking pixels, or cross-site tracking scripts. Typography and static assets are self-hosted directly on our domain with no external font CDN network calls.

3. Purpose & Use of Information

Personal information collected through this website is used exclusively for legitimate business purposes:

To respond promptly to your inquiries and schedule discovery calls or consultations;
To assess and discuss appropriate insurance, succession, and estate planning structures tailored to your stated circumstances;
To maintain professional correspondence and client advisory relationships;
To comply with applicable legal, regulatory, and professional record-keeping requirements.
We do not sell, lease, rent, or trade your personal information to any third parties. We do not use your contact information for unsolicited commercial email or newsletter marketing without your explicit affirmative consent.

4. Disclosure & Third-Party Service Providers

We do not disclose your personal information to outside parties except in the following limited circumstances:

Service Providers: Trusted third-party technology providers supporting our direct email communication and secure web hosting infrastructure, bound by strict contractual confidentiality requirements.
Financial Partners: If you proceed from an initial inquiry into a formal policy application or advisory engagement, your information will be shared with specific insurance carriers and underwriters only upon your explicit written authorization and direction.
Legal & Regulatory Obligations: Where required or permitted by Canadian federal or provincial law, court order, or regulatory authority.

5. Retention & Security Safeguards

We retain personal information only for as long as necessary to fulfill the purposes for which it was gathered, or as required by applicable professional standards, tax legislation, and legal limitation periods.

We maintain reasonable physical, electronic, and administrative safeguards designed to protect personal information from loss, unauthorized access, copying, use, modification, or disclosure. However, please note that no internet data transmission can be guaranteed to be completely secure; visitors transmitting sensitive information do so with awareness of general internet communication risks.

6. Third-Party Links

Our website contains links to external third-party platforms, including professional profiles on LinkedIn and Facebook. This Privacy Policy applies solely to information collected by GSM on this website. We encourage visitors to review the privacy policies of any external website they choose to visit.

7. Your Rights & Access

In accordance with PIPEDA and Canadian privacy law, you have the right to request access to the personal information we hold concerning you, to understand how it has been used or disclosed, and to request corrections if you believe any information is inaccurate or incomplete.

To submit an access or correction request, or if you have questions regarding our privacy practices, please contact our office using the details below.