Security Policies

We take every precaution to protect the confidentiality and security of your personal information by using industry-recognized security safeguards such as firewalls, coupled with carefully developed security procedures to protect your information from loss, misuse or unauthorized alteration. When we collect sensitive account information such as credit card numbers, we protect its transmission through the use of encryption such as the Secure Socket Layer (SSL) protocol. takes care to reinforce the importance of our website visitors’ security and privacy among our team. Our brokers and employees are trained and required to safeguard your information and, using physical, electronic and procedural safeguards, we restrict access to personal information to those brokers and employees for business purposes only. Additionally, we use internal and external resources to review the adequacy of our security procedures.

We will never share, sell, or rent your personal information with third parties for their promotional use. Occasionally, we enter into contracts with third parties so that they can assist us in servicing you (for example, providing additional administrative work marketing or mail out campaigns). The contracts prohibit them from using any of your personal information for their own purposes, and they are required to sign an agreement and maintain the confidentiality of the information we provide to them.

Cookies and Web Beacons

We use a variety of technologies on our sites. Among these are cookies: a text-only string of information that a website transfers to the cookie file of the browser on your computer’s hard disk so that the website can remember your browser in the future. A cookie will typically contain the name of the domain from which the cookie has come, the “lifetime” of the cookie, and a value, usually a unique number. When you visit our website, open our email, or encounter our services online (perhaps on a customer’s website) we may send you a cookie. Cookies may be used in many ways: they allow us to verify the login status of customers using products or services linked directly with our website, track point of entry to point of registration for those users participating in our affiliate signup programs, and track and measure the success of a particular marketing campaign. Cookies also allow us to track overall site usage and determine areas users prefer, enabling us to make your visit to our website easier by recognizing you when you return and helping to provide you with a customized experience.

Usage of a cookie is in no way linked to any personally identifiable information while on our site. You have the ability to accept or decline cookies by modifying the settings in your browser. If you choose to disable cookies, you may still use our site; however, you may have limited access to some areas within our website.
Some of our web pages, emails, and other online content may contain electronic images known as web beacons, also known as single-pixel GIFs, which are invisible graphical images. These web beacons allow us to count users who have visited our web pages, seen our ads, or opened our email. Web beacons collect only limited information, such as a cookie identifier, time and date of a page being viewed, and a description of the page on which the Web Beacon resides (the URL).

When we send you emails, we may include a web beacon to allow us to determine the number of people who open our emails. When you click on a link in an email, we record this individual response to allow us to customize our offerings to you.

Web Beacons cannot be declined when delivered via a regular web page. However, Web Beacons can be refused when delivered via email. If you do not wish to receive Web Beacons via email, you will need to disable HTML images or refuse HTML (select Text only) emails via your email software.


Canada’s Anti Spam Law (CASL) is integrated in policy and we only tolerate permission-based email. In addition, users always have the opportunity to opt-out or change preferences via a link in the footer of all non-transactional email messages. These options are made available when you sign-up for our email lists and in email messages delivered from our company. Alternatively, you may email us at service@

Some communications (e.g. important account notifications and payment information) are considered transactional and are necessary for all customers. You must cancel your account with to unsubscribe from these communications. To cancel your policy, please email us at


Some of our sites provide links to third-party websites, such as those of our business partners. While on these sites, or its partners may collect information about you. Because does not control the information policies or practices of these third parties, you should review their privacy policies to learn more about how they collect and use personally identifiable information.

Notification of Changes

This policy is in effect as of July 2020. If we decide to change our privacy policy, we will post those changes on all website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Privacy Policies

At, TRUST is the basis of each client relationship.

Our Commitment to Your Privacy (“ITO”) has been a trusted provider of insurance and financial services to individuals since 1997. In order to comply with privacy legislation, we have developed this Privacy Policy. Any personal identifiable information about a client* is considered personal information and will be treated in accordance with this Privacy Policy. does not sell personal information and staff has been trained to treat personal information carefully and with respect.

Collecting and Disclosing Personal Information collects and discloses personal information only for the purposes of serving the insurance-related needs of clients. Among other things, this includes offering and providing insurance and financial products and services to you; evaluating, monitoring and assessing your insurance needs; providing risk management services, underwriting, rating, binding and mailing and emailing of insurance policies and insurance-related communications; determining and facilitating your payment of fees and premiums and providing all policy-related or administrative services including loss control, compliance with the law or the requests of law enforcement agencies or regulatory requirements and claims investigation, adjustment and coverage assessment; compiling statistics; detecting and preventing fraud or other illegal activities; establishing and maintaining communications with you; newsletters and contests. This also includes collecting and disclosing personal information about you to insurers, legal and financial representatives with respect to the insurance needs of clients.

Limiting Collection of Retention of Personal Information will only collect, use or disclose personal information that is necessary for the uses described in this policy or as required by law. We will retain your personal information as long as necessary for the fulfillment of any of the uses described in this policy.


Your personal information recorded in documents and electronically is securely stored at our office in Richmond Hill, Ontario. protects your personal information by security safeguards appropriate for the sensitivity of the information.


With respect to our collection, use and disclosure of your personal information, we rely on your action as indication of your consent to our existing and future personal information practices. Such as your voluntary provision of personal information provided directly to for the purpose of acquiring an insurance quote or contract or financial service or product including information previously provided to us; your consent or acknowledgement contained within a written, verbal, electronic, text, or facsimile application process; your consent given through your authorized representative such as a legal guardian, lawyer, mortgage or loan lender, real estate agent, car dealership or your power of attorney for a specified purpose.

Given reasonable notice, you may withdraw this consent anytime to subject to certain legal or contractual restrictions. However, in some cases refusing to provide certain personal information could mean we cannot provide you with insurance coverage or other requested products, services or information.

Accuracy, Individual Access and Openness is committed to the accuracy of your personal information that it uses or discloses. Upon written request and subject to the following (and other reasonable conditions which may be necessary), we will provide reasonable access to personal information exclusively to the individual to whom it refers. We will not provide access if doing so would likely reveal personal information about a third party; the information is subject to solicitor-client privilege; if revealing the information would reveal confidential health information; if revealing the information could affect the security of another person; if the information relates to the actual or suspected breach of an insurance policy or other agreement or the breach of Canadian law; or if the information was generated in the course of a formal dispute resolution process.


We at are responsible for the personal information within our control and we have designated a Privacy Officer who is accountable for our compliance with this Privacy Policy.

When you call us, we may confirm your identity by asking you to confirm certain personal information and you may be directed to send us certain requests in writing.

Amendments may amend this policy from time to time at its discretion. Please contact our Privacy Officer for the most current version.

Privacy Officer

If you have any questions or concerns about the accuracy of your personal information or our Privacy Policy, please contact our Privacy Officer at:

Attention: Lia Avram
Telephone: 905-787-1615
Fax: 905-737-7429

Our Privacy Officer will respond to your request within 30 days. If you become aware that the information we have about you is incorrect, you should notify the Privacy Officer and we will ensure the information is updated, where necessary.

Filing a Complaint

If you are dissatisfied with the privacy policies or practices of, you should make a written complaint to the Privacy Office. The Privacy Officer will investigate the matter and take corrective action where necessary. The Privacy Officer will report back to you and advise you of any steps taken to correct the problem.

*In our Privacy Policy, “client, “you” or “your” includes any individual who has requested, applied for or been supplied services or products (including quotes and claims services) by and its insurance brokers including any other individual for whom the client has acted as spouse, guardian or representative.


This website is designed to enhance public understanding of the Canadian Insurance industry and the issues that affect it. This site is intended to provide general information only; it is not intended to provide insurance policies or to answer specific questions about your insurance. You should book an appointment with one of our licensed insurance advisors if you require such advice or answers.

All content on this site is copyrighted by (“ITO”). You may not reproduce or retransmit any content without prior express written permission from ITO.

Strictly as a convenience to users, many documents and pages on this website contain links to documents or information created and maintained by other organizations. When you use one of these links you may be leaving ITO website. ITO does not control and is not responsible for the content, accuracy, timeliness or continued availability (by way of a link or otherwise) of any information maintained by any other organization. These links and information are provided as a convenience only. By providing these links, ITO is not expressly or impliedly endorsing or approving these other sites, nor warranting or guaranteeing the content of the materials on such sites or the services or products that may be offered on such sites. ITO is not responsible for the contents of other sites that may choose to link to the ITO website.


This is a full list of the insurance carriers we provide:

  1. Assumption Life
  2. Beneva
  3. BMO Life
  4. Canada Life
  5. CPP-Canada Protection Plan
  6. Desjardin Financial Security
  7. Empire Life
  8. Equitable Life
  9. Foresters
  10. Humania
  11. Industrial Alliance
  12. Ivari
  13. Manulife Financial
  14. RBC Insurance
  15. Specialty Life
  16. The Edge Benefits
  17. Health and travel:
  18. Allianz Global Assistance
  19. Best Doctors
  20. Blue Cross
  21. Destination Travel
  22. GreenShield
  23. Group Medical Services
  24. Olympia HSA
  25. Reliable Life / Travelance
  26. Travel Underwriters / TOGO