Introduction
This Privacy Policy outlines how Starlight Financial Services (“StarLight,” “we,” “our,” or “us”) collects, uses, stores, and protects your personal information when you visit our website, use our services, or interact with us in any way. This policy complies with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.
By using our services or providing your personal information to us, you consent to the practices described in this Privacy Policy.
Information We Collect
We collect the following types of information:
1. Personal Information
- Name, address, email address, and phone number
- Date of birth, social insurance number, and government-issued identification
- Financial information, including income, assets, liabilities, tax information, and investment goals
- Employment details
- Family information, including marital status and dependents
2. Communication Information
- Records of communications between you and StarLight, including emails, phone calls, text messages, and in-person meetings
- Information provided in forms, applications, or surveys
3. Website and Technical Information
- IP address, browser type, operating system
- Browsing behavior on our website
- Device information
How We Collect Information
We collect information through the following methods:
- Direct interactions when you provide information through our website, forms, email, telephone, or in person
- Automated technologies, including cookies and similar tracking technologies
- Third parties, such as credit reporting agencies, financial institutions, or other professional advisors (with your consent)
How We Use Your Information
We use your personal information for the following purposes:
- To provide financial planning, investment, insurance, and advisory services
- To process transactions and manage your accounts
- To communicate with you about our services, including sending account statements, updates, and important notices
- To comply with legal and regulatory requirements
- To prevent fraud and protect the security of our services
- To improve our services and develop new offerings
- To provide personalized content and recommendations
- To follow up on inquiries, provide requested information, and respond to complaints
Text Message Consent and Information
By providing your phone number and checking the consent box on our contact forms, you agree to receive text messages from Star Light regarding your inquiries, appointments, and follow-up communications. Standard message and data rates may apply.
Message Frequency
You may receive up to 4 messages per month, depending on your interaction with our services. Message frequency may vary based on your account activity.
Opting Out
You can opt out of receiving text messages at any time by:
- Replying “STOP” to any text message from us
- Contacting us at contact@starlightfinancials.ca
- Calling our office at +1 (587) 325-2665
After opting out, you will receive one final message confirming your opt-out status.
Disclosure of Your Information
We may share your personal information with:
- Service providers who assist us in providing our services (e.g., technology providers, custodians, and administrative services)
- Financial institutions, insurance companies, and investment firms when necessary to provide our services
- Legal and regulatory authorities when required by law
- Successors in the event of a business transaction, such as a merger or acquisition
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, access controls, regular security assessments, and employee training.
While we take reasonable steps to protect your information, no security system is completely impenetrable. We cannot guarantee the absolute security of information transmitted to us.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory requirements, or to resolve disputes. When personal information is no longer needed, we securely destroy or anonymize it.
Your Privacy Rights
Under Canadian privacy laws, you have the right to:
- Access your personal information that we hold
- Request correction of inaccurate or incomplete information
- Withdraw your consent to the collection, use, or disclosure of your personal information
- File a complaint about our privacy practices
- Request information about our policies and practices regarding your personal information
To exercise these rights, please contact our Privacy Officer at contact@starlightfinancials.ca or +1 (587) 325-2665.
Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe we have collected information from your child, please contact us immediately.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact our Privacy Officer:
Privacy Officer
StarLight Financial Services
220 3016 19 Street NE
Calgary, AB T2E 6Y9
Email: contact@starlightfinancials.ca
Phone:+1 (587) 325-2665