Privacy Policy

At PEACH Advisory Inc. ("PEACH", "we", "our", or "us"), protecting your personal information is an important part of earning and maintaining your trust.

We are an Alberta-based insurance brokerage helping individuals and businesses understand, obtain, and manage insurance coverage, including life insurance, disability insurance, critical illness insurance, key person insurance, and health and dental benefits.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you:

• Visit our website at https://peachintel.com
• Submit an insurance inquiry or request a quote
• Complete a form through Facebook, Instagram, or another advertising platform
• Communicate with us by phone, email, text message, or social media
• Apply for, purchase, or receive assistance with insurance coverage
• Otherwise interact with PEACH

This policy applies to our Canadian operations, excluding Quebec, where we do not currently offer insurance services.

We are committed to complying with applicable Canadian privacy laws, including Alberta's Personal Information Protection Act (PIPA), British Columbia's PIPA, and the federal Personal Information Protection and Electronic Documents Act (PIPEDA), where applicable.

The information we collect depends on your relationship with us and the services you request.

We collect and use personal information for legitimate insurance-related business purposes, including to:

1. Respond to inquiries and contact you about requested services.
2. Understand your personal or business insurance needs.
3. Evaluate suitable insurance products and coverage options.
4. Obtain insurance illustrations, quotations, and preliminary eligibility assessments.
5. Prepare and submit insurance applications with your authorization.
6. Communicate with insurance carriers, managing general agencies, and authorized service providers.
7. Assist with policy administration, renewals, changes, and service requests.
8. Maintain appropriate client records and meet legal, licensing, and regulatory obligations.
9. Protect against fraud, unauthorized activity, and security incidents.
10. Improve our services, processes, and customer experience using information in ways permitted by law.

We do not use sensitive medical or financial information for unrelated advertising purposes without the required consent.

PEACH may advertise its services through Meta platforms, including Facebook and Instagram.

When you submit a lead form, Meta may provide us with the information you choose to submit, including:

• Your name
• Email address
• Phone number
• Business name
• Your role within a business
• Approximate business revenue range
• Insurance needs or areas of interest

We use this information to respond to your inquiry, assess your requirements, and contact you about relevant insurance services.

Submitting a lead form does not constitute an insurance application, guarantee eligibility, or create insurance coverage.

Meta independently processes information in accordance with its own privacy policies and platform terms.

We do not request detailed medical histories or sensitive financial documentation through our initial Meta advertising lead forms.

We obtain consent for the collection, use, and disclosure of personal information where required by applicable law.

Consent may be provided electronically, verbally, in writing, or through other legally recognized methods, depending on the nature and sensitivity of the information.

For sensitive information, including health and medical information, we obtain express consent where required.

We explain the purposes for which information is collected and identify relevant disclosures to insurers and other parties.

You may withdraw your consent, subject to applicable legal, contractual, and regulatory restrictions.

Withdrawing consent may limit our ability to obtain insurance quotations, process applications, or continue providing certain services.

To withdraw consent, contact us using the information provided below.

We do not sell your personal information to data brokers or advertisers.

We may disclose relevant information to the following parties when necessary and appropriately authorized:

We limit disclosures to information reasonably necessary for the relevant purpose and use appropriate safeguards when engaging service providers.

Insurance carriers and other independent organizations receiving your information may be subject to their own privacy obligations and policies.

PEACH may use technology, automation, and artificial intelligence to help organize inquiries, maintain records, prepare administrative summaries, support research, and improve operational efficiency.

We are responsible for ensuring that personal information processed through such systems is handled in accordance with applicable privacy laws.

Where sensitive personal information is processed using external technology providers, we assess applicable privacy and security requirements and obtain necessary consent.

We do not authorize the use of client medical or financial information to train publicly available artificial intelligence models without appropriate authorization and a lawful basis.

Artificial intelligence tools do not independently issue insurance policies or guarantee underwriting or eligibility decisions.

Insurance recommendations and applications remain subject to appropriate professional oversight and insurer requirements.

Our website may use cookies and similar technologies to support essential website functions, understand website performance, measure advertising effectiveness, and improve user experience.

Where we use third-party analytics or advertising technologies, information may be processed by the relevant technology providers in accordance with their applicable policies.

We provide information about available privacy choices and obtain consent where required.

You may also manage cookies through your browser settings.

If you inquire about our services, we may contact you to respond to your request and provide information directly relevant to your insurance needs.

We send promotional electronic messages only where permitted by Canada's Anti-Spam Legislation (CASL) and other applicable requirements.

Where required, we obtain consent before sending marketing emails or text messages.

You may unsubscribe from promotional communications at any time using the unsubscribe mechanism provided or by contacting us directly.

Unsubscribing from marketing does not prevent us from sending necessary communications related to an existing insurance inquiry, application, policy, or legal obligation.

We take reasonable administrative, technical, and physical measures appropriate to the sensitivity of the personal information we handle.

These measures may include access controls, authentication, secure communication methods, staff or contractor confidentiality requirements, service-provider assessments, and procedures for responding to privacy incidents.

Access to personal information is limited to individuals and service providers who require it for authorized business purposes.

No electronic system or transmission method is completely secure, and we cannot guarantee absolute security.

Personal information may be stored or processed using technology service providers operating in Canada or other jurisdictions.

Where personal information is transferred or processed outside Canada, it may be subject to the laws and lawful access requirements of the jurisdiction in which it is processed.

We remain accountable for personal information under our control and take appropriate measures to protect information handled by service providers.

You may contact us for further information about our cross-border data-handling practices.

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, meet applicable legal and regulatory requirements, resolve disputes, and maintain appropriate business records.

Different retention periods may apply to:

• General insurance inquiries and prospective clients
• Insurance quotations and applications
• Active and expired insurance policies
• Regulatory and compliance records
• Marketing consent and unsubscribe records

When information is no longer required, we take reasonable steps to securely delete, destroy, or anonymize it, subject to applicable retention obligations.

Subject to applicable law, you may:

• Request access to personal information we hold about you
• Request correction of inaccurate or incomplete information
• Ask how your information has been collected, used, or disclosed
• Withdraw consent where legally permitted
• Request information about our privacy practices
• Raise concerns or complaints about our handling of your information

We may need to verify your identity before processing certain requests.

We respond to requests within the timeframes required by applicable law and will explain any lawful restrictions on access, correction, or deletion.

If a privacy or security incident occurs, we will investigate, assess the potential risk of harm, and take appropriate steps to contain and address the incident.

Where required by applicable law, we will notify affected individuals and relevant privacy regulators.

We will maintain records of privacy incidents as required.

Our website or communications may contain links to external websites, insurance carriers, quoting platforms, and other service providers.

These organizations may have their own privacy policies and practices.

We encourage you to review those policies before providing personal information directly to third parties.

Our insurance advisory services are primarily intended for adults.

We do not knowingly solicit insurance inquiries directly from minors through our advertising campaigns.

Where information about a minor is necessary for an insurance application or dependent coverage, it will be collected and handled with the appropriate authorization and safeguards required by law.

We may update this Privacy Policy to reflect changes in our operations, technology, legal obligations, or privacy practices.

The updated policy will be published on our website with a revised effective date.

Where changes materially affect the collection, use, or disclosure of personal information, we will provide additional notice or obtain consent where required.

If you have questions about this Privacy Policy, wish to access or correct personal information, withdraw consent, or raise a privacy concern, please contact:

We will review privacy concerns and respond in accordance with applicable law.

If you are dissatisfied with our response, you may contact the privacy commissioner or other competent authority responsible for the applicable legislation.