Legal Notices and Disclaimers

Website Disclaimer

All materials on this site are protected by copyright and intellectual property laws and are the property of Financial Horizons Inc. You may view materials located on however, you may not download and/or distribute information contained on this site without prior consent from Financial Horizons, via the Chief Officer, Corporate Services. 

Visitors who use this Website and rely on any information do so at their own risk. Financial Horizons is not responsible for the contents or reliability of any other web sites to which we provide a link and do not necessarily endorse the views expressed in them.

You must not use our website in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

Every effort has been made to ensure the accuracy and completeness of the electronic documents and resources provided on this Web site. However, Financial Horizons makes no warranties, expressed or implied, regarding errors or omissions and assumes no legal liability or responsibility for loss or damage resulting from the use of information contained within.
Company Name:
Financial Horizons Inc.

Address & Contact Details:
Financial Horizons
National Office:
4210 King Street East, Suite 101, Kitchener, ON, N2P 2G5

Telephone: 519.742.4474
Fax: 519.741.5278

Compliance Officer: Nina Kavalinas


Communications Disclaimer

All communications in the form of e-mails, facsimiles, or voicemails originating from an employee or any automated system of Financial Horizons are intended for the use of the individual or entity to which they are addressed and may contain information that is privileged, proprietary, confidential, and exempt from disclosure.  If you are not the intended recipient, you are notified that any dissemination, distribution or copying of this communication is strictly prohibited.  If you have received any communication in error, please notify the sender and destroy the communication immediately.

Although our emails and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free, and no responsibility is accepted by Financial Horizons Inc. for any loss or damage arising in any way from its use.

Notice: From time to time, our spam filters block legitimate email. If your email contains important instructions, please ensure that we acknowledge receipt of those instructions.


Privacy Statement

Protecting your privacy is important to us.

Financial Horizons is committed to the protection of consumers’ personal information.  Our Privacy Policy explains how we collect, use, disclose, and store any/all personal information.

The personal information we collect:

We only collect the information we need for the purposes of providing and servicing financial and insurance products. Personal information means information about an “identifiable individual” and may include:

  • Credit information
  • Lifestyle information
  • Marital status
  • Date of birth
  • Citizenship status
  • Occupation
  • Health information
  • Net worth
  • Gender
  • Social insurance number
  • Income
  • Name, home address, and phone number

Your consent to our collection, use and disclosure of your information:

We will only collect, use or disclose personal information with your consent, except as required by law. Your consent is required for the collection, use, or disclosure of your personal information, except where required by law. Consent may be oral or written, express (eg. providing your personal information on an application form); or implied (eg. not withdrawing your consent for a certain use of your personal information when given the opportunity to do so). Your authorized representative may give consent on your behalf.

You can withdraw your consent for us to collect, use, and disclose your personal information at any time, subject to legal and contractual restrictions, and reasonable notice.


Protecting your personal information:

We are responsible for all personal information under our control. We maintain a file of your personal information. Only Financial Horizons employees, advisors, and authorized service providers who need your personal information to do their jobs may be given access to your personal information.

We have developed physical, electronic and procedural safeguards intended to protect your personal information against loss, theft, unauthorized disclosure, copying, and unauthorized use or modification. However, we are not responsible for the privacy practices and policies of the companies or organizations who may obtain personal information independently of any relationship they may have with us. We are also not responsible for the privacy practices and 

policies of companies or organizations to whose websites our website may provide links. Please review the privacy policies of these companies and organizations before providing your personal information.


Your right to request access to your personal information:
You have the right to know:

  • if we hold any personal information about you. However, if we have any sensitive medical information about you from a third party, we will only release this information through your physician;
  • how we have used or are using any personal information about you;
  • to whom we have disclosed any personal information about you.

You may write us if you would like to access the personal information we have about you. In some situations, you may not be able to access all of your personal information. For example, we may not be able to disclose information if it would reveal personal information about a third party or would reveal confidential commercial information.


Accuracy of personal information:
We will try to ensure that the personal information collected and used is accurate and, where necessary, updated. You have the right to request corrections of any inaccurate or incomplete information about you in our possession.


The duration for keeping your personal information:
Your personal information will only be kept as long as it is needed, or as required by law. The length of time that we keep your personal information will depend upon the product or service that we provide to you, and the nature of the information.


Why we need the information:
We use your personal information to:

  • confirm your identity,
  • administer and service products and services  you request,
  • administer and service the insurance and/or financial products we provide,
  • meet regulatory and contractual requirements relating to the service and products provided to you.

Third-Party Collection and transfer of personal information:

We may collect your personal information from and transfer your personal information to the insurance and fund companies to whom you have applied for coverage; for the purposes of assisting them in evaluating risks for life insurance (underwriting), investigations, servicing and administration, and claims. All of our service providers with whom we have a contractual relationship are required to protect your personal information in accordance with this Privacy Policy and our privacy practices, where we have transferred your personal information to these parties.


Withdrawing your consent regarding the receipt of product information:
If you do not want your personal information to be used for marketing or promotional purposes, please:

  1. Follow the procedures, where available, indicated at the point of collection to “opt out” so that your personal information is not collected, used, or disclosed for those purposes; or
  2. Where an “opt out” is not offered, let your advisor know that you wish to opt out.


Privacy Requirements for the Province of Quebec Only:

When a person submits a request for access to their documents or personal information, to rectify their personal information, or to submit a complaint, persons/individuals or firms are legally required to provide a response within 30 days.



How to contact us:
Requests for access to, or an update or correction of your personal information, or privacy-related questions, complaints or comments may be directed in writing to Financial Horizons at the following address:

4210 King Street East, Suite 101, Kitchener, ON, N2P 2G5

Attn: Compliance Officer


Changes to Privacy Policy:
Financial Horizons may review and amend this Privacy Policy without notice. Please review the Privacy Policy periodically to ensure that you are aware of our current information management practices. If you continue to provide personal information after we have changed our Privacy Policy, we will assume that you have accepted these changes.



Accessibility for Ontarians with Disabilities Act

Financial Horizons strives for excellence in serving all clients including people with disabilities, and we are committed to fulfilling our requirements under the Accessibility for Ontarians with Disabilities Act, 2005.

Financial Horizons’ AODA policy 

This policy and accessibility plan outlines the steps we are taking to meet requirements and improve opportunities for people with disabilities.

Our policy shows how we will play our role in making Ontario an accessible province for all Ontarians. The plan is reviewed and updated at least once every five years.