Privacy Policy

Effective Date: 11 May 2026

Caroline Arcos Vasquez (operating as cavbiz.com) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, contact us, or use our financial planning, insurance, or visa support services.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

Information We Collect

We collect personal information that is necessary to provide our services. This may include:

Contact information: name, email address, phone number, mailing address
Identification information: date of birth, government-issued identification (for visa or insurance applications)
Financial information: income details, banking information, investment and retirement account details, debt information
Family and beneficiary information: details about spouse, children, or dependents
Health information: limited health details when required for insurance applications
Visa and travel information: passport details, travel history, immigration status
Website usage information: IP address, browser type, pages visited (through cookies and analytics)

We collect this information directly from you during consultations, form submissions, email correspondence, phone calls, or meetings.

How We Use Your Information

We use your personal information for the following purposes:

To provide financial planning, retirement, education savings, and insurance advice
To assist with life insurance, health insurance, and business protection applications
To help with visa applications, travel arrangements, and related support
To process transactions and maintain client records
To communicate with you about services, updates, or appointments
To improve our website and services
To meet legal and regulatory obligations

By using our website or services, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw your consent at any time by contacting us, subject to legal and contractual restrictions.

We may share your personal information with:

Trusted third-party service providers (insurance companies, financial institutions, visa processing agencies) to deliver the services you request
Professional advisors or regulatory bodies when required by law
Cloud storage or administrative service providers under strict confidentiality agreements

We do not sell your personal information to third parties for marketing purposes. When we share information outside Canada, we take reasonable measures to ensure it receives adequate protection.

Security of Your Information

We protect your personal information with appropriate physical, organisational, and technological safeguards. Access is limited to authorised personnel who need it to perform their duties. While no system is completely secure, we regularly review our practices to maintain strong protection.

Retention of Personal Information

We keep your personal information only as long as necessary to fulfil the purposes for which it was collected or as required by law. When we no longer need it, we securely destroy or anonymise it.

Your Rights

You have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw consent (subject to limitations)
Request deletion of your information (subject to legal obligations)

To exercise these rights, please contact us using the details below.

Cookies and Website Tracking

Our website uses cookies and similar technologies to improve user experience and analyse traffic. You can manage cookie preferences through your browser settings. We may use Google Analytics or similar tools that collect anonymous usage data.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the revised version on our website with an updated effective date. Continued use of our services after changes means you accept the updated policy.

Contact Our Privacy Officer

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact:

Caroline Arcos Vasquez Privacy Officer Phone: +1 (647) 674-9139, Email Us

Mailing Address: [Insert your full business address here]

You may also contact the Office of the Privacy Commissioner of Canada if you have unresolved concerns.

Last updated: 11 May 2026

This Privacy Policy was created to be clear, transparent, and easy to understand. We recommend you review it periodically.