Privacy Disclosure

Last Updated: May 19, 2026

Ladnar Life Insurance respects your privacy and is committed to protecting the personal information you choose to share with us.

This Privacy Disclosure explains how personal information may be collected, used, stored, and shared when you visit this website, complete a needs analysis form, request an insurance quote, or communicate with us by phone, email, text message, video conferencing, online form, or other electronic method.

Information We May Collect

When you complete a needs analysis form or contact us, we may collect information such as:

  • Your name
  • Email address
  • Phone number
  • Province or territory of residence
  • Age range or date of birth
  • Smoking status
  • Family or dependent information
  • Income range
  • Coverage goals, such as family protection, mortgage or debt protection, income protection or replacement, business protection, final expenses, estate planning, or other financial planning goals related to your insurance inquiry.
  • Existing insurance coverage
  • Coverage interests, such as term life insurance, permanent life insurance, or critical illness insurance
  • Preferred contact method
  • Any additional information you choose to provide

For the initial needs analysis, please avoid submitting highly sensitive medical, financial, or identity information unless specifically requested through an appropriate secure process.

This website form is intended to start the quote and review process. It is not an insurance application and does not guarantee approval, pricing, or coverage.

How Your Information May Be Used

The information you provide may be used to:

  • Review your insurance needs
  • Prepare potential insurance options or quote illustrations
  • Contact you about your request
  • Ask follow-up questions
  • Schedule a consultation
  • Provide educational information about insurance products
  • Help determine whether term life insurance, permanent life insurance, critical illness insurance, or a combination of coverage options may be appropriate
  • Maintain records of communications and client inquiries
  • Meet legal, regulatory, compliance, or business recordkeeping obligations

We only collect personal information that is reasonably necessary for the purposes identified at the time of collection.

Consent to Contact

By submitting a needs analysis form or contacting Ladnar Life Insurance, you consent to being contacted regarding your inquiry using the contact information you provide, including by phone, email, text message, or video meeting. Where practical, your selected contact preference will be used first.

These communications may include follow-up questions, quote information, appointment scheduling, educational information, and updates related to your insurance inquiry.

You may withdraw your consent to be contacted at any time by replying “STOP” to a text message, using any unsubscribe option provided, or contacting us directly.

Sharing of Information

Your personal information will not be sold.

Your information may be shared only where reasonably necessary, including with:

  • Licensed insurance professionals involved in reviewing your request
  • Insurance companies or providers, if required to obtain quotes, illustrations, underwriting information, or coverage options
  • Administrative, technology, website, CRM, email, text messaging, analytics, advertising, or marketing service providers used to operate the website, manage inquiries, and communicate with you
  • Regulators, legal authorities, compliance personnel, or other parties where required or permitted by law

Some technology or service providers may store or process information outside Canada. Where this occurs, the information may be subject to the laws of the jurisdiction where it is stored or processed.

Any insurance quotes, illustrations, or coverage options are subject to insurer rules, underwriting, eligibility, product availability, and approval.

Website Analytics, Cookies, and Advertising

This website may use cookies, analytics tools, tracking pixels, or similar technologies to help understand website traffic, measure advertising performance, improve user experience, and support marketing campaigns.

These tools may include platforms such as Google, Meta, Shopify, email marketing tools, or other third-party service providers. 

These technologies may collect information such as browser type, device information, pages visited, general location data, ad interactions, and form activity. You can adjust your browser settings to block or delete cookies, although some website features may not function properly.

Protecting Your Information

Reasonable safeguards are used to protect personal information against unauthorized access, loss, misuse, disclosure, or alteration.

However, no website, email, text message, or online form can be guaranteed to be completely secure. Please avoid sending highly sensitive personal, medical, banking, or identity information through general website forms, email, or text unless you are using an appropriate secure process.

Retention of Information

Personal information may be kept for as long as reasonably necessary to fulfill the purposes described in this Privacy Disclosure, respond to your inquiry, maintain business records, meet legal or regulatory obligations, resolve disputes, or support compliance requirements.

When personal information is no longer required, reasonable steps will be taken to delete, destroy, anonymize, or securely dispose of it.

Accessing or Correcting Your Information

You may request access to your personal information or ask that inaccurate information be corrected, subject to legal, regulatory, or business recordkeeping limitations.

To make a request, please contact:

Ladnar Life Insurance

Randall Emond, Licensed Life Insurance & A&S Insurance advisor   

Email: ran@ladnar.ca                                 

Phone: 905-717-8252

Withdrawing Consent

You may withdraw your consent to the collection, use, or disclosure of your personal information, subject to legal, regulatory, contractual, or reasonable business limitations.

Withdrawing consent may limit the ability to provide quotes, recommendations, insurance options, or ongoing service.

Important Notice

The information provided on this website is for general educational purposes only. It should not be considered legal, tax, financial, medical, or insurance advice.

Insurance coverage, premiums, features, exclusions, limitations, and eligibility vary by insurer and product. Any insurance application is subject to underwriting, approval, and the terms and conditions of the applicable insurance contract.