1. About This Policy

This Privacy Policy describes how Safe Crest Insurance Inc. (“Safe Crest,” “we,” “us,” or “our”) collects, uses, discloses, and protects personal information through this website (www.safecrest.ca) and any digital tools hosted or linked from it, including our online life insurance needs analysis tool.

We are committed to complying with the federal Personal Information and Electronic Documents Act (PIPEDA), the Personal Information Protection Act (Alberta) (PIPA), the Personal Information Protection Act (British Columbia) (BC PIPA), and the Canadian Anti-Spam Legislation (CASL).

By using this website or submitting information through any of our digital tools, you consent to the collection, use, and disclosure of your personal information as described in this policy.

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2. Who We Are

Safe Crest Insurance Inc. is an independent life and benefits brokerage licensed to sell life, disability, and group benefits insurance in Alberta and British Columbia.

For individual life insurance and standalone disability insurance, we work with multiple Canadian insurers through our Managing General Agency (MGA) relationship with HUB Financial Inc.

For group benefits, we hold direct broker-of-record contracts with Canadian insurance carriers and place coverage with them directly, without an intermediary MGA.

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For privacy inquiries, you may contact us at:

 

Safe Crest Insurance Inc.

Calgary, Alberta

Email: info@safecrest.ca

Phone: 403.303.2974

 

3. What Personal Information We Collect

We may collect the following categories of personal information through our website, contact forms, and digital planning tools:

3.1 Contact and identity information

• Full name

• Email address

• Phone number

• Province of residence

3.2 Financial and planning information

When you use our online life insurance needs analysis tool, you may voluntarily provide:

• Annual income and household income details

• Age and retirement planning assumptions

• Mortgage balance, debt obligations, and savings information

• Existing insurance coverage amounts

• Business ownership and corporate structure details (for incorporated owners)

• Estate and legacy goals

This information is used solely to generate a personalized insurance needs estimate within the tool. See Section 5 for details on how this data is handled.

3.3 Communication and consent information

• Your consent status for electronic communications (CASL)

• Notes or messages you provide in contact forms or planning tool fields

3.4 Technical and usage information

When you visit our website, we or our service providers may automatically collect:

• IP address and browser type

• Pages visited and time spent on the site

• Referring website or search query

• Device type and operating system

This information is collected through web analytics, session analytics, and advertising tracking tools described in Sections 7.5 and 9. Some of this information (for example, data collected by the Meta Pixel) may be used to build audiences for digital advertising campaigns and to show you relevant ads on third-party platforms such as Facebook and Instagram. It is not used to determine your identity on our website unless you voluntarily provide contact information through a form or planning tool.

 

4. How We Collect Personal Information

We collect personal information through:

• Contact forms on our website

• Our online life insurance needs analysis tool

• Email, telephone, or in-person communications you initiate

• Third-party insurers, MGAs, or other professionals you authorize us to contact on your behalf

• Cookies and web analytics tools (see Section 9)

We collect personal information only with your knowledge and consent, or as required or permitted by law.

 

5. Our Online Planning Tools

5.1 Life insurance needs analysis tool

Safe Crest provides an online life insurance needs analysis tool to help individuals estimate their insurance coverage requirements. This tool is hosted on Netlify, a third-party web hosting platform (see Section 7 for details).

When you use this tool:

• The financial and planning information you enter is processed within your browser session to generate your personalized estimate.

• If you provide your name, email address, phone number, and your consent to be contacted, this contact information — along with a summary of your coverage estimate and your CASL consent selections — is transmitted to Safe Crest and stored in our CRM system, Cloven. See Section 7.3 for details on this data flow and Section 13 for details on the three separate CASL consent categories (contact, SMS, and marketing) that you can grant independently.

• A copy of session data may be temporarily stored in your browser’s local storage. This data remains on your device and is not accessible to Safe Crest. You can clear it by clearing your browserYour contact details are only transmitted to Safe Crest when you explicitly grant contact consent. Without that consent, you can still complete the full needs analysis and view your results — no contact information is sent to Safe Crest.’s local storage or browsing data.

The detailed financial inputs you enter (income, debts, savings, etc.) are used only to calculate your estimate within the tool and are not transmitted to or stored by Safe Crest on our servers unless you expressly submit your contact information.

5.2 Third-party quote tool

Our website links to Propel, a life insurance quote tool provided by Life Design Analysis. When you access this tool, you are subject to Life Design Analysis’s own privacy policy and terms of service. Safe Crest does not control the data practices of this third-party tool.

 

6. How We Use Your Personal Information

We use personal information for the following purposes:

• To respond to your inquiries and provide insurance planning advice

• To assess your insurance needs and recommend appropriate coverage

• To prepare and submit insurance applications on your behalf, where authorized

• To communicate with insurers, MGAs, and other professionals involved in your coverage

• To send you information about products and services that may be relevant to your needs, where you have consented

• To comply with legal, regulatory, and contractual obligations

• To improve our website and digital tools

We will not use your personal information for any purpose other than those identified above without your consent, or as required by law.

 

7. Third-Party Service Providers and Data Transfers

In the course of operating our website and digital tools, we use the following third-party service providers. Where noted, some providers process data outside Canada.

7.1 Website hosting — Wix

Our main website (www.safecrest.ca) is hosted on Wix, a cloud-based website platform. Wix may process data on servers located outside Canada, including in the United States. Wix’s privacy practices are governed by their Privacy Policy, available at www.wix.com/about/privacy.

7.2 Planning tool hosting — Netlify

Our life insurance needs analysis tool is hosted on Netlify, a web hosting and deployment platform. Netlify processes data on servers in the United States. Netlify’s privacy practices are governed by their Privacy Policy, available at www.netlify.com/privacy.

7.3 Lead transmission and CRM — Make.com and Cloven

When you submit your contact information through our planning tool or contact forms, that information is transmitted to Safe Crest using Make.com, a third-party automation platform operated by Celonis Inc., and stored in Cloven, our customer relationship management system.

Data handling for this process is as follows:

Make.com processes data on servers located in the United States. Personal information transmitted through Make.com may be temporarily processed on those servers during transit. Make.com's privacy notice is available at www.make.com/en/privacy-notice.

Cloven hosts all stored data on Canadian servers. Personal information stored in our CRM remains within Canada and is subject to Canadian privacy law.

We have taken reasonable steps to ensure that both Make.com and Cloven handle your personal information in a manner consistent with Canadian privacy requirements.

7.4 Insurance Carriers and MGAs

For individual life insurance and standalone disability insurance, Safe Crest conducts business through HUB Financial Inc. as our Managing General Agency. Personal information related to insurance applications and policy administration for these lines of business may be shared with HUB Financial and the insurers we work with. HUB Financial is subject to its own privacy obligations under PIPEDA.

For group benefits business, Safe Crest has direct broker-of-record relationships with Canadian insurance carriers. When you or your employer apply for group coverage, relevant personal information is shared directly with the applicable carrier to underwrite, issue, and administer the policy. Each carrier is subject to its own privacy obligations under PIPEDA and applicable provincial law.

7.5 Analytics and Tracking Tools

Our website uses the following analytics and tracking tools to help us understand how visitors use the site, improve the user experience, and (where applicable) support digital advertising:

• Google Analytics 4 (GA4): collects anonymized usage data including pages visited, time on site, referring source, device type, and general geographic location. Data is processed by Google on servers outside Canada.

• Microsoft Clarity: provides session replay and heatmap analytics to help us understand how visitors interact with our pages. Clarity is configured with "Strict" content masking, which automatically obscures text entered into form fields and other sensitive elements. Data is processed by Microsoft on servers outside Canada.

• Meta Pixel (Facebook Pixel): enables us to measure the performance of advertising campaigns and to build audiences for retargeting on Meta platforms (Facebook and Instagram), if and when we run such campaigns. Data is processed by Meta on servers outside Canada.

You can opt out of these tools as described in Section 9.

7.6 Client files and document storage — Microsoft 365

Safe Crest uses Microsoft 365 (including Outlook, OneDrive, and SharePoint) to manage client files, correspondence, and documents related to insurance applications, policy administration, and ongoing client service. Our Microsoft 365 tenant is configured with Canadian data residency, meaning the core client data stored in these services is hosted in Microsoft's Canadian data centers and remains within Canada.

Some Microsoft 365 services (such as email anti-spam scanning, threat protection, and certain administrative diagnostics) may process metadata or message content outside Canada as part of Microsoft's global service operations. Microsoft is bound by its own privacy obligations and contractual commitments, which are detailed in their privacy documentation available at privacy.microsoft.com.

Safe Crest does not store client files on local computer hard drives. All client files are stored within the Microsoft 365 environment, with access limited to authorized personnel.

7.7 Adobe Acrobat and E-Signature Services

We use Adobe Acrobat Pro to prepare insurance application documents and to collect electronic signatures from clients during the application process. In the Canadian life insurance industry, accepted electronic signature platforms are limited, and Adobe Acrobat is one of the platforms our carriers and managing general agencies recognize for binding signatures on insurance applications.

When you sign or review documents through Adobe Acrobat in connection with our services, your information — including the documents themselves, your signature, and associated metadata such as IP address and timestamps — is processed and stored by Adobe Inc. on infrastructure located in the United States. Adobe has confirmed in writing that, for Canadian customers, Document Cloud content is stored in Adobe's AWS US-East 1 data center in Virginia, USA.

This means that personal information you provide through Adobe-hosted documents may be subject to United States laws, including laws permitting government access for national security or law enforcement purposes. We rely on Adobe's published security and privacy practices, including its compliance with industry-standard encryption and data protection frameworks, to protect this information during processing and storage.

If you have concerns about the use of Adobe services for your insurance application documents, please contact us before signing. Alternative arrangements may be possible in some circumstances, though signing requirements set by individual insurance carriers may limit available options.

7.8 Twilio (SMS Communications)

If you provide express consent to receive text messages from us, your mobile phone number and the contents of any text messages exchanged between us are processed and stored by Twilio Inc., our SMS communications provider. Twilio's infrastructure for our account is located in the United States.

Twilio receives, transmits, and stores: your mobile phone number, the contents of text messages we send to you, the contents of any replies you send to us, message delivery status information, and associated metadata such as timestamps and message identifiers.

Personal information processed by Twilio may be subject to United States laws, including laws permitting government access for national security or law enforcement purposes. Twilio publishes its privacy and security practices and maintains industry-standard data protection certifications, which we rely on to protect this information.

You may withdraw your consent to receive text messages at any time by replying STOP to any message we send, or by contacting us at patrick@safecrest.ca or 403-303-2974. Withdrawing SMS consent does not affect any other consents you may have provided (such as consent to receive emails or phone calls); those must be withdrawn separately if desired.

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8. Disclosure of Personal Information

We may disclose your personal information to:

• Insurers and reinsurers in connection with your insurance application or policy

• HUB Financial Inc. and other MGAs involved in administering your coverage

• Your authorized representatives, including accountants, lawyers, or financial advisors, where you have directed us to do so

• Government authorities or regulators where required by law

• Our third-party service providers as described in Section 7

We do not sell your personal information to any third party. We do not share your personal information with organizations that would use it to contact you about their own products or services without your consent.

 

9. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to operate the site, understand how visitors use it, and (where applicable) support digital advertising. Cookies are small text files stored on your device.

Types of cookies and trackers we use:

• Essential cookies: required for the website to function properly, including cookies set by our website platform, Wix.

• Analytics cookies and trackers: set by Google Analytics 4 and Microsoft Clarity to measure site usage and user experience, as described in Section 7.5.

• Advertising cookies and trackers: set by the Meta Pixel. These enable Meta (Facebook/Instagram) to recognize site visitors for the purposes of advertising measurement and audience building for retargeting campaigns.

How to opt out:

• You can control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of the website.

• You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-On (tools.google.com/dlpage/gaoptout).

• You can manage your Meta advertising preferences through your Facebook or Instagram account settings, or opt out of interest-based advertising through the Digital Advertising Alliance of Canada (youradchoices.ca).

• Microsoft Clarity respects the Global Privacy Control (GPC) signal; if your browser sends this signal, Clarity will not record your session.

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10. Retention of Personal Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law or regulation.

For insurance clients, we are required by regulatory bodies to retain records demonstrating the suitability of our recommendations for a minimum period. Contact information submitted through our website or planning tools but not resulting in a client relationship will be retained for a reasonable period to allow for follow-up, after which it will be securely deleted.

You may request deletion of your personal information at any time, subject to our legal and regulatory obligations. See Section 12 for how to make such a request.

 

11. Security

We take reasonable organizational, technological, and physical measures to protect your personal information against unauthorized access, collection, use, disclosure, modification, or disposal. These measures include:

• Use of reputable, industry-standard hosting and transmission platforms

• Storage of client data in Canadian-hosted systems (Cloven CRM and Microsoft 365)

• Limiting access to personal information to individuals who need it to perform their duties

• Using encrypted communications where available

No method of electronic transmission or storage is completely secure. While we strive to protect your personal information, we cannot guarantee absolute security.

 

12. Your Rights

Subject to certain legal exceptions, you have the right to:

• Know what personal information we hold about you and how it is used

• Access your personal information held by us

• Request correction of inaccurate or incomplete information

• Withdraw your consent to our collection, use, or disclosure of your personal information (subject to legal or contractual obligations)

• Request deletion of your personal information, subject to our retention obligations

• File a complaint with the Office of the Privacy Commissioner of Canada or the applicable provincial privacy commissioner if you believe your privacy rights have been violated

To exercise any of these rights, please contact us at info@safecrest.ca or 403.303.2974. We will respond to your request within a reasonable timeframe.

 

13. Electronic Communications and CASL

Pursuant to the Canadian Anti-Spam Legislation (CASL), we will only send you commercial electronic messages with your express or implied consent, as defined under CASL.

When you submit our contact form, you are asked to provide consent across three separate categories:

• Contact consent: permission for Safe Crest to respond to your specific inquiry by email or phone.

• SMS consent: separate permission to receive text messages (SMS) from Safe Crest, including appointment confirmations, follow-ups, or other communications by text. Standard message and data rates may apply.

• Marketing consent: permission to receive ongoing marketing communications such as newsletters, educational content, and information about products and services that may be relevant to your needs.

You may grant any combination of these consents, and you may withdraw any of them at any time by:

• Clicking the unsubscribe link in any email we send you

• Replying STOP to any SMS message

• Contacting us directly at info@safecrest.ca

• Calling us at 403.303.2974

Withdrawing your consent to electronic communications will not affect our ability to send you transactional or administrative messages related to an existing insurance policy or application.

 

14. Complaints

If you have a concern about how we have handled your personal information, we encourage you to contact us first at info@safecrest.ca so we can attempt to resolve your concern.

If you are not satisfied with our response, you may file a complaint with:

 

Office of the Privacy Commissioner of Canada

www.priv.gc.ca  |  1-800-282-1376

Office of the Information and Privacy Commissioner of Alberta

www.oipc.ab.ca  |  1-888-878-4044

Office of the Information and Privacy Commissioner for British Columbia

www.oipc.bc.ca  |  250-387-5629

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15. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the “Last Reviewed” date at the top of this policy. We encourage you to review this policy periodically.

Your continued use of our website or digital tools after any changes constitutes your acceptance of the updated policy.

 

16. Children and Minors

Our website and digital planning tools are not directed at individuals under the age of 18. Safe Crest does not knowingly collect personal information from minors without the consent of a parent or legal guardian. If you believe we have collected personal information from a minor without appropriate consent, please contact us at info@safecrest.ca and we will take steps to delete it.

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