Privacy Policy

A Kochanoff Financial Services Ltd.
Effective Date: February 23, 2026

Our Commitment to Your Privacy

At A Kochanoff Financial Services Ltd. (“we,” “us,” or “our”), your privacy matters. We are committed to protecting the personal information you share with us and handling it responsibly, securely, and transparently.

As a Canadian financial services firm, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

This Privacy Policy explains how we collect, use, disclose, protect, and retain your personal information when you visit our website, communicate with us, or engage our services.

What Information We Collect

We collect personal information when you voluntarily provide it to us, including when you:

Complete a contact form
Request or book a consultation
Subscribe to a newsletter or educational resource
Contact us by email or phone
Engage our services

Depending on your interaction with us, the information we collect may include:

Name
Email address
Phone number
Mailing address
Financial information when required to provide services
Other information you choose to provide

We do not ask website visitors to provide sensitive personal or financial information unless it is necessary as part of an inquiry or client relationship.

How We Use Your Information

We may use your personal information to:

Respond to inquiries
Schedule and manage consultations
Provide financial planning and advisory services
Deliver educational content and updates with your consent
Meet legal and regulatory requirements
Improve our website and client experience

We collect and use personal information only for appropriate purposes related to our services and business operations.

We do not sell or trade your personal information.

Email Communications

If you subscribe to our newsletter, educational content, or other email communications, your name and email address may be stored and processed by an external email or marketing service provider.

Some service providers may store or process information on servers located outside Canada, including in the United States. When information is processed outside Canada, it may be subject to the laws of the jurisdiction where it is stored or processed.

You may unsubscribe from marketing email communications at any time by using the unsubscribe link included in our emails.

Consent

By providing personal information through our website or directly to us, you consent to the collection, use, and disclosure of that information for the purposes described in this Privacy Policy or otherwise communicated to you at the time of collection.

You may withdraw your consent at any time, subject to legal, regulatory, or contractual requirements. Withdrawing consent may affect our ability to provide certain products or services.

Cookies and Website Analytics

Our website may use cookies and similar technologies to improve website performance, understand how visitors use our website, and enhance the overall user experience.

You can adjust your browser settings to refuse or limit cookies. Please note that disabling cookies may affect the functionality of certain parts of the website.

Disclosure of Personal Information

We may disclose personal information:

To service providers that support our business operations, such as website hosting, technology, communications, or email service providers
To insurance carriers, financial institutions, or other organizations when necessary to provide requested services
When required or permitted by law or regulatory authorities
With your consent

We take reasonable steps to ensure that service providers handling personal information on our behalf protect it appropriately.

Safeguarding Your Information

We use administrative, physical, and technical safeguards appropriate to the sensitivity of the personal information we handle.

These safeguards may include:

Secure servers and encrypted systems
Password protection and multi-factor authentication
Restricted access to client information
Confidentiality requirements for staff and contractors

We regularly review our security practices and procedures to help protect personal information from unauthorized access, use, disclosure, loss, or theft.

Retention of Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected and to meet applicable legal, regulatory, and professional requirements.

When personal information is no longer required, we securely destroy, delete, or anonymize it as appropriate.

Your Rights

Subject to applicable law, you may have the right to:

Request access to personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw your consent, subject to legal or contractual limitations
Ask questions or raise concerns about our privacy practices
File a complaint regarding the handling of your personal information

We will respond to access and correction requests in accordance with applicable privacy legislation.

Privacy Breaches

If a privacy breach occurs that creates a real risk of significant harm, we will take appropriate steps in accordance with applicable law.

These may include:

Notifying affected individuals
Reporting the breach to the Office of the Privacy Commissioner of Canada or other applicable regulators
Taking steps to contain, investigate, and mitigate the breach

We maintain records of privacy breaches as required by applicable law.