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Financial Privacy Policy

The information in this Website is intended for residents of Quebec and Ontario, where I am licensed / registered as a financial security advisor and does not constitute an offer to sell or to solicit persons to purchase products in any other Province, territory or country. Further, any products referenced are only offered in those of the jurisdictions previously noted, and only where they may be lawfully offered for sale. All products are subject to the terms of the applicable product agreement. The information in this Website is subject to change without notice. This communication does not constitute an offer or solicitation by anyone in any jurisdiction where such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.

MSA financial is a firm of financial security advisors and a financial planning firm. MSA financial is a managing general agency for various life insurance companies. As a manging general agency, MSA financial contracts independent Financial security advisors for the life insurance companies that it represents, This contract allows the advisor to sell products directly to insurance and Segregated fund clients/customers through MSA financial. The resulting Sales/applications are processed in the strictest of privacy at our head office Prior to being sent to the life insurance company.

How we collect, use and disclose your personal information
As a managing general agency, we are committed to follow all the necessary Steps in insuring that our advisors client’s personal information and that of our Own clients is treated with full confidentiality and privacy. The information is Only used for the purpose of conducting business with the insurers, as Authorized by you and required by law. When we receive your application, you Share your personal information with us.

We assume you consent for our firm to use, or share this information in an appropriate manner.

We may use and disclose this information in order to: process and submit it to the life insurance companies. use what is necessary and permissible to complete the underwriting process. to communicate with your financial advisor (or you directly if you are one of our own clients) on the status of your application as it is being assessed by the life insurance company for investment, insurance or other services. to communicate with the insurance company on your application. to communicate between the financial advisor and the insurance company on your application. communicate with an authorized party as is required by law. to communicate with the insurance company, your financial advisor, you or any party that you authorize us to communicate with on your file. communicate on your file as required by law.

We expect the advisors to comply with all relevant legislation, with which MSA Financial also complies.

Protecting your personal information
All the employees, associated advisors and suppliers who are granted access to The client records understand the need to keep this information protected and confidential. They know that the information is to be used only for the purpose intended. We have established policies and procedures to comply with this declaration.

Use, disclosure and retention of personal information
MSA financial, through its contracted advisors, will make a reasonable effort to Make sure customers understand how the managing general agency and the Insurers will use their personal information.

MSA financial will use or disclose personal information only for the reasons for Which it was collected and will keep personal information as necessary for the identified purposes.

Under certain exceptional cirmustances, MSA financial may have a legal duty or Right to disclose personal information without the customer’s knowledge or Consent to protect the interests of insurer or the public interest and for certain law and legal requirements.

Accessibility of personal information
If a customer makes a request in writing, MSA financial will provide the personal Information it has on file in a timely manner.

Our privacy officers are:
Lily kornik – smith,
Vice president of operations
Tel: (514) 343-0200 ext. 222

Kiki mataragas (assistant) Tel : (514) 343-0200 ext. 237
E-mail :
MSA financial
3333 cote vertu, suite 450
Tel : (514) 343-0200
Fax : (514) 343-0199