Privacy Policy

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.

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. We work with multiple Canadian insurers through our Managing General Agency (MGA) relationship with HUB Financial Inc.

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 standard web analytics tools and is used to improve our website. It is not used to identify you personally unless combined with other information you have provided.

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 consent to be contacted, this contact information — along with a summary of your coverage estimate — is transmitted to Safe Crest and stored in our CRM system, Cloven. See Section 7.3 for details on this data flow.
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 browser’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 — Zapier and Cloven

When you submit your contact information through our planning tool, that information is transmitted to Safe Crest using Zapier, a third-party automation platform, and stored in Cloven, our customer relationship management system.

Data handling for this process is as follows:

Zapier is a US-based platform. Personal information transmitted through Zapier may be temporarily processed on servers in the United States during transit. Zapier’s privacy policy is available at zapier.com/privacy.
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 Zapier and Cloven handle your personal information in a manner consistent with Canadian privacy requirements.

7.4 Managing General Agency — HUB Financial Inc.

Safe Crest conducts insurance business through HUB Financial Inc. as our Managing General Agency. Personal information related to insurance applications and policy administration may be shared with HUB Financial and the insurers we work with. HUB Financial is subject to its own privacy obligations under PIPEDA.

7.5 Analytics

Our website may use analytics tools to understand how visitors use the site. These tools may collect usage data including pages visited, time on site, and general geographic location.

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 may use cookies and similar tracking technologies to enhance your experience and collect usage information. Cookies are small text files stored on your device.

Types of cookies we may use:

Essential cookies: required for the website to function properly
Analytics cookies: used to understand how visitors interact with the site
Advertising cookies: may be used if we run digital advertising campaigns with retargeting (this policy will be updated before any such cookies are activated)

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

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 a CRM hosted on Canadian servers
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 provide your contact information and check the consent box in our planning tool or contact form, you are providing express consent to receive electronic communications from Safe Crest about your insurance needs and related products and services.

You may withdraw your consent to receive electronic communications at any time by:

Clicking the unsubscribe link in any email we send you
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

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.

Safe Crest Insurance Inc. | www.safecrest.ca | Calgary, Alberta | Licensed in Alberta & British Columbia