Privacy Policy

Fusion Insurance Advisory Inc.

Last updated: August 19, 2026

Fusion Insurance Advisory Inc. (“Fusion,” “we,” “us” or “our”) respects your privacy. This policy explains what personal information we collect, where it comes from, why we collect it, how we use, disclose and protect it, and the choices available to you.

We handle personal information in accordance with applicable Canadian privacy laws, including Alberta’s Personal Information Protection Act, British Columbia’s Personal Information Protection Act, Canada’s Personal Information Protection and Electronic Documents Act, where applicable, and Canada’s Anti-Spam Legislation.

Fusion is an independent insurance and benefits advisory practice based in Sherwood Park, Alberta.

Privacy Officer: Brett Wackenhut
Address: 150 Chippewa Road, Unit 140, Sherwood Park, AB T8A 6A2
Phone: (587) 926-8399
Email: brett@fusioninsadv.com

Questions, access or correction requests, consent withdrawals and privacy complaints should be directed to our Privacy Officer.

The personal information we collect depends on your relationship with Fusion and the products or services you request.

We may automatically collect information such as your:

• IP address;
• Browser type and version;
• Device type;
• Pages viewed and time spent on the website;
• Referring website; and
• Approximate geographic location.

This information may be collected through cookies and similar technologies.

We may collect your:

• Name;
• Email address;
• Telephone number;
• City or town;
• Preferred method of contact;
• Type of insurance or service you are interested in; and
• Information you choose to include in your message.

Please do not submit medical, financial, banking or other sensitive information through our general website form or unsecured email. Contact us for access to an approved secure document portal.

Depending on the insurance product or service, we may collect information such as your:

• Date of birth and contact information;
• Occupation and employment information;
• Income, assets, liabilities and other financial information;
• Corporate ownership and business information;
• Beneficiary information;
• Government-issued identification;
• Banking information used for premium payments;
• Medical history, medications and family medical history;
• Lifestyle and avocation information; and
• Other information required for underwriting, compliance, policy administration or claims.

Health and financial information are sensitive. We obtain express consent where required and limit their collection, use and disclosure to appropriate purposes.

For group-plan clients, we may collect business and plan information such as:

• Employee census information;
• Existing plan details;
• Eligibility and enrolment information;
• Renewal information;
• Claims experience, typically in summarized or aggregated form; and
• Information required to establish, administer, market or review the plan.

Where Fusion receives employee information from an employer or plan sponsor, the employer or plan sponsor is responsible for providing required privacy notices and obtaining any consent needed to provide that information to Fusion, insurers and plan administrators.

Fusion uses plan-member information only for authorized plan-related purposes. A plan member may contact our Privacy Officer regarding personal information held by Fusion. Requests involving records controlled by an insurer, administrator or employer may need to be directed to that organization.

With your consent, or as otherwise permitted or required by law, we or an insurer may obtain information about you from third parties such as:

• Insurance companies, managing general agencies and reinsurers;
• Physicians, hospitals and other healthcare providers;
• Paramedical examination and laboratory providers;
• The MIB or similar insurance-information services;
• Previous insurers;
• Government bodies and motor-vehicle or driving-record providers;
• Your employer, accountant, lawyer or other professional advisor;
• Credit-reporting agencies, where relevant and authorized; and
• Other individuals or organizations you authorize.

Information obtained from third parties may be used to verify an application, assess eligibility and risk, satisfy underwriting requirements, prevent fraud, meet legal obligations, administer coverage or evaluate a claim.

We may collect and use personal information to:

• Respond to inquiries and provide requested information;
• Contact you by telephone, text message or email about your request;
• Understand your insurance and benefits needs;
• Prepare quotes, comparisons, reports and insurance illustrations;
• Recommend appropriate insurance or benefits strategies;
• Submit and administer applications with insurers;
• Establish and service policies and group plans;
• Assist with claims, policy changes, renewals and reviews;
• Confirm identity and satisfy compliance obligations;
• Detect, investigate and prevent fraud or unlawful activity;
• Maintain business and regulatory records;
• Improve our website and understand how it is used;
• Send educational or promotional information where we have consent;
• Protect our legal rights and interests; and
• Meet legal, regulatory, contractual and licensing requirements.

We limit collection to information reasonably necessary for these purposes.

Fusion does not sell or rent personal information or provide it to another organization for that organization’s independent marketing purposes.

We collect, use and disclose personal information with your consent, except where applicable law permits or requires otherwise. Consent may be express or implied depending on the sensitivity of the information, your reasonable expectations and the circumstances.

By submitting an inquiry or booking a meeting, you consent to Fusion contacting you about that request. This does not automatically enrol you in unrelated marketing communications.

Where we collect sensitive health or financial information for an application, we obtain express consent through the applicable authorization and application documents.

You may withdraw consent at any time, subject to legal, regulatory and contractual restrictions and reasonable notice. Withdrawing consent may prevent us from providing certain services, obtaining coverage or continuing to administer a policy or plan.

To withdraw consent, contact our Privacy Officer.

We send commercial electronic messages only where we have consent or are otherwise permitted by law.

Our commercial messages identify Fusion, provide our contact information and include a working unsubscribe mechanism. You may unsubscribe at any time by using that mechanism or contacting us directly. Unsubscribe requests will be processed within the period required by law.

We may continue to send non-commercial communications required to administer an existing policy, plan, claim, application or business relationship.

We disclose personal information only for appropriate purposes and only as necessary. Recipients may include:

• Insurance carriers, managing general agencies and reinsurers;
• Group-benefits insurers, administrators and service providers;
• Medical, paramedical and underwriting service providers;
• Technology and professional service providers that support our operations;
• Customer-relationship management, financial-planning, scheduling and communication platforms;
• Website hosting, analytics, spam-prevention and information-technology providers;
• Accountants, lawyers, consultants and other professional advisors;
• Regulators, licensing bodies and government authorities;
• FINTRAC and other authorities where reporting or disclosure is required by law;
• A prospective purchaser or successor in connection with a proposed business transaction; and
• Other parties you authorize or direct us to contact.

Service providers are authorized to use personal information only for the services they provide to us, subject to their contractual and legal obligations.

Life insurance agents and brokers may have obligations under Canada’s anti-money-laundering and anti-terrorist-financing laws.

Where applicable, Fusion may be required to:

• Verify a client’s identity;
• Determine whether a person is acting for a third party;
• Obtain beneficial-ownership information;
• Keep prescribed records;
• Conduct ongoing monitoring; and
• Submit prescribed reports to FINTRAC or another authority.

Certain laws may restrict our ability to tell an individual whether a report has been made. Information may be collected, used, retained or disclosed without consent where required or permitted by law.

Fusion may disclose personal information as part of a proposed or completed business transaction, including the sale, transfer, financing, reorganization or succession of all or part of our business or client portfolio.

Before completion, information will be limited to what is reasonably necessary to evaluate or complete the transaction, and the receiving party must protect it and use it only for that purpose.

If a transaction is completed, personal information may be transferred to the purchaser or successor for the continued operation of the business and servicing of client policies, subject to applicable law. Where required, affected individuals will be notified and provided with available choices.

Some of our service providers may store or process personal information outside Canada, including in the United States. These may include website hosting, analytics, advertising, spam-prevention, scheduling, communication and customer-relationship management providers.

When personal information is processed outside Canada, it is subject to the laws of the country where it is stored or processed and may be accessible to foreign courts, law-enforcement agencies or government authorities.

Fusion remains responsible for personal information under its control and uses contractual, organizational and technological measures appropriate to the sensitivity of the information.

Questions about our service providers or the handling of information outside Canada may be directed to our Privacy Officer.

Our website uses cookies and similar technologies to operate the site, protect forms, remember preferences, measure traffic and improve performance.

These technologies may include:

• Essential website cookies;
• Website analytics;
• Google reCAPTCHA for spam and abuse prevention;
• Scheduling and customer-relationship management tools; and
• Meta Pixel or similar advertising and measurement tools, if activated.

Advertising and analytics tools may collect information about visits to our website and share that information with their providers. We do not permit these providers to use information we supply as a client list for their unrelated independent marketing.

Where required, we will provide notice and obtain consent or offer an accessible choice before using non-essential advertising or behavioural-tracking technologies.

You can also control or delete cookies through your browser and manage advertising preferences through the applicable platform. Disabling cookies may affect how parts of the website function.

Google reCAPTCHA is subject to Google’s Privacy Policy and Terms of Service.

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected and to meet legal, regulatory, contractual, carrier and licensing requirements.

Retention periods depend on the type of record and may include:

• Inquiry and prospective-client records;
• Insurance applications and policy records;
• Group-plan and employee records;
• Medical and financial information;
• Compliance and identity-verification records;
• Marketing-consent and unsubscribe records; and
• Closed-client and claims-related files.

Where personal information has been used to make a decision that directly affects an individual, we retain it for at least the minimum period required by applicable law so the individual has a reasonable opportunity to request access.

When information is no longer required, it is securely destroyed, deleted or anonymized, subject to legal and technical limitations.

We maintain physical, administrative and technological safeguards appropriate to the sensitivity of the information. These may include:

• Restricted access;
• Password protection and multi-factor authentication;
• Secured devices and accounts;
• Encryption where appropriate;
• Secure document-transfer methods;
• Service-provider controls;
• Privacy and security procedures; and
• Secure disposal of paper and electronic records.

No method of transmission or storage is completely secure. Do not send sensitive medical, financial or identification documents through unsecured email or our general website contact form. Contact us for a secure submission method.

Fusion maintains procedures for responding to suspected or confirmed privacy breaches.

If a breach occurs, we will take reasonable steps to contain and investigate it, reduce potential harm, document our assessment and take corrective action.

Where a breach creates a real risk of significant harm or otherwise meets a legal reporting threshold, we will notify the appropriate privacy commissioner or other authority without unreasonable delay and notify affected individuals where required.

Subject to applicable law, you may:

• Request access to personal information Fusion holds about you;
• Ask how your information has been used or disclosed;
• Request correction of inaccurate or incomplete information;
• Withdraw consent, subject to legal and contractual restrictions;
• Ask questions about our privacy practices; and
• Make a complaint about how we have handled your information.

Requests should be submitted in writing to our Privacy Officer. We may need to verify your identity before responding.

We will normally respond within the timeframe required by the applicable law. Alberta’s PIPA generally provides 45 days for a response, subject to permitted extensions and exceptions.

There is generally no charge for an access request, although a reasonable fee may apply in permitted circumstances. If a fee applies, we will provide notice in advance.

Access may be limited where disclosure would reveal another person’s personal information, confidential commercial information, legally privileged information or information that applicable law permits or requires us to withhold.

If you are not satisfied with our response, you may contact:

Office of the Information and Privacy Commissioner of Alberta
oipc.ab.ca
1-888-878-4044

Office of the Information and Privacy Commissioner for British Columbia
oipc.bc.ca
(250) 387-5629

Office of the Privacy Commissioner of Canada
priv.gc.ca
1-800-282-1376

Our website may link to third-party websites and services, including insurer websites, scheduling tools and social-media platforms.

Fusion is not responsible for the privacy practices of those organizations. Review their privacy policies before providing personal information.

Our website and services are directed primarily to adults. We do not knowingly collect personal information directly from a minor who is unable to provide meaningful consent without the consent of a parent, guardian or authorized representative.

This does not prevent a child from being named as an insured person, dependent or beneficiary under coverage arranged by a parent, guardian, employer or plan sponsor.

We may update this policy as our practices, service providers or legal obligations change.

The current version will be posted on this page with its effective date. Where a change is material, we will provide additional notice or obtain consent where required.

Fusion Insurance Advisory Inc.
Attention: Privacy Officer
150 Chippewa Road, Unit 140
Sherwood Park, AB T8A 6A2

Phone: (587) 926-8399
Email: brett@fusioninsadv.com