Privacy Statement

Our Privacy and Commitment to Protecting your Privacy

Pro-Active Financial Services Ltd. values your business and we thank you for your confidence in choosing our firm as your source of advice and product. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.
Your Rights as they pertain to your personal information

  • You have the right to know why an organization collects, uses or discloses 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.
  • You have the right to confidentially from an organization about how it handles your information and to the Privacy Commissioner of Canada if need be.

How we Collect, Use and Disclose Your Information

When you do business with us, you share personal information so that we may provide you with products and services that best meet your needs. We assume your consent allows our firm to use this information in an appropriate manner. We may use and disclose this information in order to:

  • Assess your application for investment, insurance and other services available to you by our firm
  • Evaluate claims and underwriting risks when required
  • Detect and prevent fraud
  • Analyze business results
  • Act as required or authorized by law

What We Will NOT Do With Your Information

We do not sell client information to anyone; nor do we share client information with organizations outside of our relationship with you.
We Strive to Protect Your Personal Information*

All employees, associated advisors and suppliers who are granted access to client records understand the need to keep this information protected and confidential. They know they are to use the information only for the purpose intended. This expectation is clearly communicated. We’ve also established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use.

Website Terms of Use

Upon accessing and utilizing this website, all users are agreeing to comply by the following terms of use. These terms apply to all content, products, and services contained within this website.

1. Responsibility of Contributors

If you contribute any content to this website, you are accepting all responsibility for the content. Therefore, you will be held liable for any harm that results from the use of that content. Any type of content (text, images, graphics, etc.) contributed to this website must not:

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

2. Responsibility of Visitors

Visitors of this website are to be responsible for taking precautions when reviewing, using, or downloading material from this website. The material posted to this site has not been, and cannot be, 100% reviewed, and therefore Pro-Active Financial Services Ltd. cannot be responsible for the material’s content, use, effects, or accuracy. Pro-Active Financial Services Ltd. disclaims responsibility of any harm or loss resulting from the use of this website.

3. Content Posted on Other Websites

Pro-Active Financial Services Ltd. is not responsible for content found or used via links to other website. We have not reviewed or endorsed the material contained within any outside websites, and disclaim any responsibility for any harm or loss resulting from the use of these external sites.

4. Copyright Infringement

We as that you respect the intellectual property rights of our website and Pro-Active Financial Services Ltd., as well as the intellectual property rights of others. Any visitors found repeatedly infringing upon copyrights will no longer be allowed to access the site. If visitors see material on the website that does violate intellectual property rights of any kind, we ask that you notify our staff immediately so appropriate action can be taken.

5. Intellectual Property

Your use of this website does not give you permission to reproduce or use any trademarks, service marks, graphics, or logos representing Pro-Active Financial Services Ltd. or those representing third-parties.

6. Termination

We maintain the right to terminate your access to all or any part of this website at any time, with or without cause, and with or without notice.

7. Disclaimer of Warranties

This website disclaims all warranties that the content within will be error free or that access to the site will be unlimited, continuous, or uninterrupted. Visitors use, download, or obtain services at their own discretion and risk.

8. Limitation of Liability

In no event will Pro-Active Financial Services Ltd. be liable, with respect to any subject matter of this agreement, under any legal theory for any loss, damages, cost or harm of any kind.

9. General Representation

By using this website, you agree to act in strict accordance with this agreement, the privacy policy, as well as all applicable laws and regulations.

10. Indemnification

You agree to indemnify and hold harmless Pro-Active Financial Services Ltd. and all of its staff members from and against any and all claims and expenses, including attorney’s fees, arising out of your use of this website, including but not limited to your violation of this agreement.

11. Miscellaneous

Through use of this website, users agree to all subject matter included in these terms of service. These terms can be modified or updated by executives of the Pro-Active Financial Services Ltd. at any time. This website will be governed by the laws of the province of British Columbia, Canada. If any part of this agreement is deemed invalid, that part will be construed to reflect the parties’ original intent, while the remaining sections of the agreement will remain in full force.

Legal Disclaimers

Life and Health insurance products are provided through Pro-Active Financial Services Ltd. Life and Health insurance products and services are not available through Desjardins Financial Security Investments Inc. (DFS Investments) nor are the insurance plans or services available and/or offered, supervised or reviewed by DFS Investments. DFS Investments is the mutual fund dealer through which mutual fund products and services are provided.
Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Insurance¹. DFS investments is a mutual fund dealer registered in every Canadian province and territory and an exempt market dealer registered in Quebec. It is also registered in every Canadian province and territory for the distribution of insurance products. DFS Investments' advisors may be qualified to provide advice on mutual funds, exempt market products and other investments products, among other things. In Quebec, DFS Investments is also registered as a restricted dealer, a group insurance of persons and a financial planning firm. Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Insurance¹, and their value is subject to market fluctuations. Desjardins Insurance¹ refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.
This site is not the property of Desjardins Insurance¹ and Desjardins Financial Security Investments Inc. (DFS Investments). DFS Investments has control over the content of this site by their review of the information provided in accordance with its policies and procedures. DFS Investments is not responsible for the content in this website that is unrelated to the business of DFS Investments nor is it responsible for the monitoring or supervision of these other business activities. Desjardins Insurance refers to Desjardins Financial Secuirty Life Assurance Company, a provider of life and health insurance and retirement savings products.

1Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.