Privacy Policy

Effective: March 25, 2026 · Last updated: October 19, 2026

Steward Well Advisory is the operating name of Alberto Salguero, a sole proprietor and licensed life and accident & sickness insurance agent in Ontario. This policy explains how I collect, use, share, protect and retain personal information, in keeping with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), applicable provincial privacy laws, the expectations of the Financial Services Regulatory Authority of Ontario (FSRA), and the requirements of my managing general agency, TruStone Financial Inc.

Privacy Officer

Alberto Salguero is accountable for how personal information is handled at Steward Well Advisory. You can reach me at [email protected] or 226-739-9511.

The principles I follow

My privacy practices follow the ten fair information principles of PIPEDA: accountability; identifying purposes; consent; limiting collection; limiting use, disclosure and retention; accuracy; safeguards; openness; individual access; and the right to challenge compliance.

What I collect

I collect only what I need to give you advice and to arrange and service the products you choose. Depending on your situation, this may include:

• Identity and contact information, such as your name, address, date of birth, occupation, phone and email, and government-issued identification where required by law
• Financial information, such as income, assets, debts, insurance policies, pensions and employment benefits
• Health information, where needed for insurance underwriting
• Family and beneficiary information
• Business information for business clients, including ownership and signing authority

Through this website, I also collect the information you choose to send me through the contact form, guide download form or booking calendar, and basic technical information described in the cookies section below.

Why I collect it

• To understand your needs and provide advice and suitable recommendations
• To prepare applications and support insurance underwriting
• To service your policies and contracts over time
• To meet legal, regulatory, anti-money laundering and record-keeping obligations
• To respond to your enquiries and, with your consent, send you helpful information

Consent

I collect, use and share personal information with your consent, except where the law permits or requires otherwise. Consent may be written, electronic, verbal (which I document) or, in limited circumstances, implied. Before collecting information, I explain why I need it, how it will be used and shared, and your rights.

You may withdraw your consent at any time by giving me reasonable notice, subject to legal or contractual obligations. Withdrawing consent may limit my ability to serve you or keep you informed about products or services that may be in your interest.

Who I share it with

I share personal information only when necessary, and only with:

• Insurance companies that underwrite and administer the products you apply for
• TruStone Financial Inc., the managing general agency through which I place insurance business and which provides compliance supervision
• Manulife Bank, Equitable Bank, other lenders and mortgage brokers, when you ask me to help with a mortgage or banking product
• Service providers that help me operate securely, such as secure email, client management and electronic signature providers
• Regulators and authorities, where required by law
• Other professionals, such as your accountant or lawyer, when you ask me to or give your consent

Everyone who is given access to client information is required to keep it confidential and use it only for the purposes identified. I do not sell personal information, and I do not share it with organizations that would use it to market their own products to you.

Some service providers may store information outside Canada, where it may be subject to the laws of that jurisdiction.

If I can no longer serve you

If I become incapacitated, die or retire, your file may be assigned to another licensed advisor or agency so your needs continue to be served. You always keep the right to choose your own advisor instead.

How I protect your information

• Encryption of information in transit and at rest
• Multi-factor authentication and strict, need-to-know access controls
• An industry-specific, Canadian-based client management system and encrypted cloud storage, with no client data kept on local computers
• Secure, encrypted channels and insurer portals for sensitive documents
• Immediate shredding of any temporary paper documents
• Privacy reviews before introducing any new software, storage system or vendor

Please help me keep your information safe: I will never ask you to send sensitive personal or financial information by text message or messaging apps. If you need to share documents, I will provide a secure way to do so.

Retention and destruction

I keep client records for as long as I am your advisor and as long as required afterwards for legal, regulatory and insurer purposes, generally a minimum of seven years. Records are then securely deleted or shredded.

Privacy incidents

If a privacy incident occurs, I will contain it, assess the risk, consult TruStone Financial, and notify affected individuals and the Office of the Privacy Commissioner of Canada where the law requires, for example where there is a real risk of significant harm. All incidents are documented.

Your rights

You may ask to see the personal information I hold about you, ask how it has been used or shared, and ask me to correct anything that is inaccurate. I will verify your identity and respond within a reasonable time, as required by law.

Email and electronic messages

I follow Canada’s Anti-Spam Legislation (CASL). I send commercial electronic messages only with your consent, or where a message is necessary to service a product you hold. Every marketing email includes a simple way to unsubscribe.

Cookies and this website

Cookies are small files stored by your browser. This website uses:

• Essential cookies, which are needed for the site to work and to remember your cookie choices. These cannot be turned off.
• Optional cookies, such as analytics that help me understand how the site is used. These are off by default and are only used if you choose to allow them.
• Third-party services: if you use the booking calendar, Calendly may set its own cookies. If you follow links to Google, Facebook or Instagram, those services apply their own privacy policies.

You can change or withdraw your choice at any time using Cookie Preferences at the bottom of every page, or through your browser settings.

Questions and complaints

If you have a question or concern, please contact me first. You may also raise a concern with the insurance company involved, or with the Office of the Privacy Commissioner of Canada.

Changes to this policy

I review this policy at least annually and when my practices change. The date at the top shows when it was last updated.