Effective Date: May 21, 2026
1. Introduction
Term Compass ("we," "us," "our," or "Company")
is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us through advertising platforms such as Facebook. Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our services.
We are a term life insurance provider operating exclusively in Canada. This Privacy Policy complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy legislation.
2. Information We Collect
2.1 Information You Provide Directly
When you interact with us through Facebook instant forms or other channels, we collect basic lead information, including:
First and last name
Email address
Phone number
Province of residence
Interest in term life insurance products
Any other information you voluntarily provide through forms or communications
2.2 Information Collected Automatically
We may automatically collect certain information when you interact with us:
IP address and device information
Browser type and version
Pages visited and time spent
Referral sources
Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect for the following purposes:
To provide you with information about our term life insurance products and services
To respond to your inquiries and provide customer support
To contact you regarding insurance quotes and coverage options
To process insurance applications and manage policies
To improve our website, services, and marketing efforts
To comply with legal obligations and regulatory requirements
To prevent fraud and ensure the security of our services
To conduct analytics and understand user behaviour
4. Sharing of Your Information
We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following limited circumstances:
4.1 Service Providers
We may share information with service providers who assist us in operating our business, including email service providers, payment processors, and customer relationship management systems. These providers are contractually obligated to keep your information confidential and use it only for the purposes we specify.
4.2 Insurance Partners
To provide you with insurance quotes and coverage, we may share necessary information with insurance underwriters and claims processors. Your information will only be shared as required to fulfill your insurance request.
4.3 Legal Compliance
We may disclose your information if required by law, court order, or government authority. This includes disclosure to comply with regulatory requirements governing insurance companies in Canada.
4.4 Business Transfers
In the event of a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership of your information.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including:
During the active period of your relationship with us
For the duration of any insurance policy you hold
As required by applicable insurance and financial regulations in Canada
To resolve disputes and enforce agreements
Once your information is no longer needed, we will securely destroy or anonymize it. However, we may retain certain information in aggregated form for statistical and analytical purposes.
6. Data Security
We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction, including:
Encrypted transmission of data using industry-standard SSL/TLS protocols
Secure storage of data in encrypted databases
Restricted access to personal information based on role and need
Regular security audits and penetration testing
Employee training on privacy and data protection practices
While we strive to protect your information, no security system is completely impenetrable. We cannot guarantee absolute security, and any transmission is at your own risk.
7. Your Privacy Rights
Under PIPEDA and other Canadian privacy laws, you have the following rights:
7.1 Right to Access
You have the right to request access to your personal information that we hold. We will provide you with a copy of your information, subject to any exemptions under applicable law.
7.2 Right to Correction
You have the right to request correction of inaccurate or incomplete information. We will update your information promptly upon verification of your request.
7.3 Right to Withdrawal of Consent
You may withdraw consent to the collection, use, or disclosure of your personal information at any time, subject to legal and contractual obligations. Withdrawal will not affect the lawfulness of processing prior to withdrawal.
7.4 Right to Opt-Out of Marketing
You may opt out of receiving marketing communications from us at any time. Each marketing email will include an unsubscribe link for your convenience.
8. Facebook Instant Forms and Third-Party Platforms
When you submit information through Facebook instant forms or other third-party advertising platforms, you are also subject to those platforms' privacy policies and terms of service. Term Compass is not responsible for the privacy practices of Facebook or other third-party platforms.
Information collected through Facebook instant forms is transferred to Term Compass and treated in accordance with this Privacy Policy. We use this information to contact you about our insurance products and services.
You may control your advertising preferences and opt out of targeted advertising through your Facebook account settings.
9. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience and understand how you use our services. These technologies allow us to:
Remember your preferences and login information
Analyze website usage and performance
Deliver personalized content and advertising
Prevent fraud and enhance security
You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. Note that disabling cookies may limit the functionality of our website.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will promptly delete such information and terminate the child's account if applicable.
11. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our website and updating the
"Effective Date" at the top of this policy. Your continued use of our services following notification of changes constitutes your acceptance of the updated Privacy Policy.
12. Contact Us
If you have questions or concerns about this Privacy Policy, our privacy practices, or wish to exercise your privacy rights, please contact us:
Email: termcompass@wealthcompass.ca
Mailing Address: Term Compass, Toronto, Canada
Phone: [+1] 437-370-9850
Privacy Officer
If you have concerns about our privacy practices or wish to file a complaint, you may contact our Privacy Officer at termcompass@wealthcompass.ca. We will investigate your complaint and respond within 30 days.
13. Regulatory Oversight
If you are not satisfied with our response to your privacy complaint, you have the right to contact the Office of the Privacy Commissioner of Canada:
Office of the Privacy Commissioner of Canada30 Victoria StreetGatineau, QC K1A 1H8Toll-free: 1-800-282-1376Email: info@priv.gc.caWebsite: www.priv.gc.ca
Thank you for trusting Term Compass with your personal information. We are committed to protecting your privacy and maintaining your confidence in our services.
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Last Updated: May 21, 2026