Privacy Policy

Owned & Operated by Immunis Financial Brokers Inc.

Summary

Managed and operated by Immunis Financial Brokers Inc. (“IFBI”, “we”, “us”, “our”)

Our Privacy and Commitment to Protecting Your Privacy

Immunis Financial Brokers Inc. values your business and thanks you for your confidence in choosing our firm as your source of advice and product access. CostPlus Life Insurance is a digital platform managed and operated by Immunis Financial Brokers Inc. (the “CostPlus Platform”). When you use the CostPlus Platform or engage with IFBI, you trust us with your personal information. We respect that trust and are committed to protecting the information you share while doing business with us.

Scope: This Privacy Policy applies to personal information collected through the CostPlus Platform and in connection with IFBI’s brokerage services.

Your Rights as They Pertain to Your Personal Information

  • Your Rights as They Pertain to Your Personal Information
  • You have the right to expect an organization to handle your information reasonably and to not use it for any other purpose other than the one to which you consented.
  • You have the right to know who in an organization is responsible for protecting your information.
  • You have the right to expect an organization to protect your information from unauthorized disclosure.
  • You have the right to inspect the information an organization holds about you and make sure it is accurate, complete, and current.
  • You have the right to expect an organization to destroy your information when requested or when no longer required for the intended original purpose (subject to legal, regulatory, and contractual retention requirements).
  • You have the right to raise concerns with an organization about how it handles your information and to contact the Office of the Privacy Commissioner of Canada if required.

Information We Collect

We collect personal information that you provide to us, including:

  • Contact information (name, email, phone number, address)
  • Date of birth and age
  • Health and medical information (for insurance underwriting purposes)
  • Financial information
  • Employment information
  • Beneficiary information

How We Collect, Use, and Disclose Your Information

When you do business with us through the CostPlus Platform or directly with IFBI, you may provide personal information so that we can deliver products and services that meet your needs. We rely on your consent (express or implied, as appropriate) to collect, use, and disclose your information in a reasonable manner.

We may collect, use, and disclose personal information to:

  • Assess and process your application for insurance and other services made available through IFBI
  • Quote and facilitate placement of coverage with insurers and other product providers, as applicable
  • Evaluate underwriting requirements and support claim-related inquiries when required
  • Detect, investigate, and prevent fraud and other financial or security risks
  • Analyze and improve service quality, operational performance, and platform functionality
  • Communicate with you about your application, policy, service requests, updates, and required disclosures
  • Comply with legal and regulatory obligations, including recordkeeping and suitability requirements, where applicable
  • Work with service providers (e.g., technology, hosting, security, document management) who support the CostPlus Platform and IFBI operations, under confidentiality and security expectations

Important clarification: Insurance carriers and other third-party product providers may require certain personal information to underwrite, issue, and administer coverage. Where you proceed with an application, you authorize IFBI to share necessary information with those parties for those purposes.

What We Will NOT Do With Your Information

We do not sell client information to anyone. We do not share client information with organizations outside of our relationship with you except as required to deliver the services you request (e.g., insurers, underwriting partners, authorized service providers), or as required/authorized by law.

We Strive to Protect Your Personal Information

All employees, associated advisors, and suppliers/service providers who are granted access to client records understand the need to keep this information protected and confidential. They are expected to use the information only for the purpose intended. This expectation is clearly communicated. We maintain administrative, physical, and technical safeguards—along with appropriate processes—to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction.

Website Terms of Use (CostPlus Platform)

By accessing and utilizing the CostPlus Life Insurance website and related pages, tools, forms, and services (collectively, the “Site”), you agree to comply with the following terms of use. These terms apply to all content, products, and services contained within the Site. The Site is managed and operated by Immunis Financial Brokers Inc.

1. Responsibility of Contributors

If you submit, upload, post, or otherwise contribute any content to the Site (where permitted), you accept responsibility for that content and may be held liable for any harm resulting from its use. Any contributed content (text, images, graphics, etc.) must not:

  • Infringe the proprietary rights of a third party
  • Contain viruses or other destructive content
  • Be spam or unwanted commercial content
  • Contain unlawful, harmful, or offensive material

2. Responsibility of Visitors

Visitors are responsible for taking precautions when reviewing, using, or downloading material from the Site. While IFBI strives for accuracy and reliability, materials on the Site may not be fully reviewed in every instance and may change over time. IFBI disclaims responsibility for any harm or loss resulting from the use of the Site, except where such limitation is not permitted by law.

3. Content Posted on Other Websites

IFBI is not responsible for content found or accessed via links to other websites. We have not reviewed or endorsed the material contained within external websites and disclaim responsibility for any harm or loss resulting from the use of those external sites.

4. Copyright Infringement

We ask that you respect the intellectual property rights of the Site, IFBI, and others. Visitors found repeatedly infringing upon copyrights may no longer be permitted to access the Site. If you believe material on the Site violates intellectual property rights, please notify us so appropriate action can be taken.

5. Intellectual Property

Your use of the Site does not grant permission to reproduce or use any trademarks, service marks, graphics, or logos representing CostPlus Life Insurance or Immunis Financial Brokers Inc., or those representing third parties.

6. Termination

We reserve the right to terminate or restrict your access to all or any part of the Site at any time, with or without cause, and with or without notice, subject to applicable law.

7. Disclaimer of Warranties

The Site is provided on an “as is” and “as available” basis. IFBI disclaims warranties that the content will be error-free or that access to the Site will be unlimited, continuous, or uninterrupted. Your use of the Site is at your own discretion and risk.

8. Limitation of Liability

To the extent permitted by law, IFBI will not be liable, with respect to any subject matter of these terms, under any legal theory, for any loss, damages, costs, or harm of any kind arising from or related to your use of the Site.

9. General Representation

By using the Site, you agree to act in accordance with these terms, this Privacy Policy, and all applicable laws and regulations.

10. Indemnification

You agree to indemnify and hold harmless IFBI and its directors, officers, employees, contractors, and representatives from and against any and all claims and expenses (including legal fees, where applicable) arising out of your use of the Site, including but not limited to your violation of these terms.

11. Miscellaneous

These terms and the Privacy Policy represent the full understanding governing your use of the Site. IFBI may modify or update these terms from time to time. The Site is governed by the laws of the Province of Alberta, Canada, and applicable federal laws. If any part of this agreement is deemed invalid, that part will be construed to reflect the parties’ original intent while the remaining sections will remain in full force.

Contact — Privacy Inquiries

To request access, correction, or deletion (where applicable), or to ask questions about this Privacy Policy, contact:

Privacy Officer — Immunis Financial Brokers Inc.

Email: info@costpluslife.ca

Phone No: 403-454-8723