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1-888-203-2224
Whole Life Plus Inc.Last updated: October 24, 2025
Whole Life Plus Inc. (“WLP”, “we”, “us”, or “our”) is a licensed life and living benefits insurance brokerage in Ontario. We are committed to protecting your privacy and the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information in accordance with applicable Canadian and Ontario laws and regulatory expectations.
This Policy applies to personal information we collect in the course of our business, including via our website, social media, forms, emails, text messages, phone calls, and meetings. It covers information relating to clients, prospective clients, beneficiaries, claimants, and website visitors.
This Policy does not apply to information of WLP employees or job applicants, which is addressed by separate internal policies.
Our privacy practices are primarily governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and aligned to the ten fair information principles (Accountability, Identifying Purposes, Consent, Limiting Collection, Limiting Use/Disclosure/Retention, Accuracy, Safeguards, Openness, Individual Access, and Challenging Compliance).
We also align with insurance sector expectations for Fair Treatment of Customers (FTC) published by Canadian insurance regulators (CCIR/CISRO) and guidance from the Financial Services Regulatory Authority of Ontario (FSRA) regarding the protection of client information.
If and when we handle personal health information (PHI) originating from an Ontario health information custodian (HIC) (e.g., physician, hospital, clinic) in connection with an application or claim, additional rules under Ontario’s Personal Health Information Protection Act (PHIPA) may apply to that PHI. In all cases, we will protect such information using stringent safeguards and only as permitted by law and the relevant consents.
We comply with Canada’s Anti-Spam Legislation (CASL) for commercial electronic messages (emails, texts), using consent-based communications and including required sender identification and unsubscribe mechanisms.
The types of personal information we may collect include:
Identity & contact: name, address, email, phone, date of birth, government-issued ID numbers (if required by law and the insurer), marital status, family composition, beneficiary details.
Financial: income, assets, liabilities, occupation/employer, banking information for premium payments (collected and transmitted securely).
Insurance profile: existing coverage, risk profile, needs analysis, suitability information, application data, policy numbers.
Health information (where relevant): medical history and information required by insurers for underwriting or claims, physician contact details, lab/paramedical results.
Digital data: IP address, device/browser info, cookie/analytics data, pages viewed, and preferences ( Cookies & Analytics).
We collect information directly from you (forms, calls, meetings), through your authorized representatives, and from third parties where permitted (insurers, medical exam providers, underwriters, consumer reporting agencies, or health information custodians with proper authorization).
We use personal information to:
Advise on and arrange insurance products and services; perform needs analysis and product suitability assessments.
Process applications and service policies, including underwriting support, policy changes, and claims assistance.
Verify identity, prevent fraud, and meet legal/regulatory requirements (e.g., anti-money laundering where applicable, FSRA oversight, insurer requirements).
Communicate with you about your inquiries, quotes, applications, renewals, and claims; and with your consent, to provide educational content and marketing updates.
Business operations, including compliance auditing, quality assurance, dispute resolution, training, and recordkeeping.
Website experience, analytics, and security monitoring.
We will clearly identify the purposes at or before the time of collection and limit subsequent uses to those purposes (or as otherwise permitted by law).
We generally collect, use, and disclose personal information with your knowledge and consent. Consent may be express (e.g., signed form, checkbox, verbal consent documented) or implied (e.g., when you request a quote and provide the information needed to obtain it), depending on sensitivity and legal requirements.
Health information and other sensitive data: We require express consent where appropriate.
Withdrawing consent: You may withdraw your consent (subject to legal/contractual limits and reasonable notice). This may affect our ability to provide services (for example, we cannot submit or service an application without required information).
Marketing communications: You may unsubscribe at any time using the link in our emails/texts or by contacting us (CASL). We will honor your choice promptly.
We disclose personal information only as needed for the purposes identified, including to:
Insurers and managing general agencies (MGAs) to request quotes, submit applications, underwrite, issue, and service policies.
Paramedical providers, labs, underwriters, reinsurers, and claims administrators for underwriting and claims.
Technology & professional service providers (e.g., CRM, secure cloud storage, e-signature tools, IT support, auditors, legal counsel) under contracts requiring confidentiality, security, and use only for our instructions.
Regulators/oversight bodies (e.g., FSRA) and law enforcement where legally required or permitted.
Other parties with your direction (e.g., your accountant, lawyer, or another advisor) or as required to detect/prevent fraud or protect rights, safety, and property.
Cross-border processing: Some service providers may store or process data outside Canada. When information is processed in another jurisdiction, it may be subject to that jurisdiction’s laws. We use contractual and technical safeguards appropriate to the sensitivity of the information.
We collect only the information reasonably necessary for the stated purposes and retain it only as long as needed for those purposes, legal/regulatory requirements, or to protect our legal rights. When no longer required, we securely delete, de-identify, or destroy records in accordance with our retention schedules.
We use administrative, physical, and technical controls appropriate to the sensitivity of the information, including:
Role-based access, confidentiality agreements, and staff training.
Encrypted storage/transmission where feasible (e.g., e-signature platforms, secure portals).
Multi-factor authentication and secure password practices
Vendor due diligence and contractual privacy/security obligations.
Secure record destruction and device/media controls.
Incident Response & Breach Notification: We maintain procedures to investigate and mitigate privacy/security incidents. Where a breach of security safeguards presents a real risk of significant harm, we will notify affected individuals and report to the Office of the Privacy Commissioner of Canada (OPC) and relevant third parties as required by law. We also maintain records of all breaches as required.
By providing my email and/or phone number, I consent to receive electronic communications, including emails and SMS messages, from Whole Life Plus Inc. about insurance products, services, and updates. I understand I can withdraw my consent at any time by replying “STOP” to texts or using the unsubscribe link in emails. Standard message and data rates may apply. We ensure that SMS communications comply with Canada’s Anti-Spam Legislation (CASL) and privacy laws. Sensitive information (such as financial or health details) will never be requested or shared by text.
Our website may use cookies and similar technologies to operate the site, remember preferences, and analyze usage. You can set your browser to block or alert you about cookies; some site features may not function without certain cookies. If we use third‑party analytics or advertising tools, we will disclose those providers and offer choices where applicable (e.g., opt-out links).
You have the right to request access to your personal information in our custody or control, and to request corrections for inaccuracies. In limited cases we may refuse access (e.g., legal privilege, the information relates to others, or security/ fraud concerns). Where access is permitted, we will provide it in a reasonable time and format.
If you have any questions or concerns about these terms and conditions, please contact us at [email protected]
Thank you for using Whole Life Plus. We appreciate your business and trust.
Whole Life Plus Inc.Last updated: October 24, 2025
Whole Life Plus Inc. (“WLP”, “we”, “us”, or “our”) is a licensed life and living benefits insurance brokerage in Ontario. We are committed to protecting your privacy and the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information in accordance with applicable Canadian and Ontario laws and regulatory expectations.
This Policy applies to personal information we collect in the course of our business, including via our website, social media, forms, emails, text messages, phone calls, and meetings. It covers information relating to clients, prospective clients, beneficiaries, claimants, and website visitors.
This Policy does not apply to information of WLP employees or job applicants, which is addressed by separate internal policies.
Our privacy practices are primarily governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and aligned to the ten fair information principles (Accountability, Identifying Purposes, Consent, Limiting Collection, Limiting Use/Disclosure/Retention, Accuracy, Safeguards, Openness, Individual Access, and Challenging Compliance).
We also align with insurance sector expectations for Fair Treatment of Customers (FTC) published by Canadian insurance regulators (CCIR/CISRO) and guidance from the Financial Services Regulatory Authority of Ontario (FSRA) regarding the protection of client information.
If and when we handle personal health information (PHI) originating from an Ontario health information custodian (HIC) (e.g., physician, hospital, clinic) in connection with an application or claim, additional rules under Ontario’s Personal Health Information Protection Act (PHIPA) may apply to that PHI. In all cases, we will protect such information using stringent safeguards and only as permitted by law and the relevant consents.
We comply with Canada’s Anti-Spam Legislation (CASL) for commercial electronic messages (emails, texts), using consent-based communications and including required sender identification and unsubscribe mechanisms.
The types of personal information we may collect include:
Identity & contact: name, address, email, phone, date of birth, government-issued ID numbers (if required by law and the insurer), marital status, family composition, beneficiary details.
Financial: income, assets, liabilities, occupation/employer, banking information for premium payments (collected and transmitted securely).
Insurance profile: existing coverage, risk profile, needs analysis, suitability information, application data, policy numbers.
Health information (where relevant): medical history and information required by insurers for underwriting or claims, physician contact details, lab/paramedical results.
Digital data: IP address, device/browser info, cookie/analytics data, pages viewed, and preferences ( Cookies & Analytics).
We collect information directly from you (forms, calls, meetings), through your authorized representatives, and from third parties where permitted (insurers, medical exam providers, underwriters, consumer reporting agencies, or health information custodians with proper authorization).
We use personal information to:
Advise on and arrange insurance products and services; perform needs analysis and product suitability assessments.
Process applications and service policies, including underwriting support, policy changes, and claims assistance.
Verify identity, prevent fraud, and meet legal/regulatory requirements (e.g., anti-money laundering where applicable, FSRA oversight, insurer requirements).
Communicate with you about your inquiries, quotes, applications, renewals, and claims; and with your consent, to provide educational content and marketing updates.
Business operations, including compliance auditing, quality assurance, dispute resolution, training, and recordkeeping.
Website experience, analytics, and security monitoring.
We will clearly identify the purposes at or before the time of collection and limit subsequent uses to those purposes (or as otherwise permitted by law).
We generally collect, use, and disclose personal information with your knowledge and consent. Consent may be express (e.g., signed form, checkbox, verbal consent documented) or implied (e.g., when you request a quote and provide the information needed to obtain it), depending on sensitivity and legal requirements.
Health information and other sensitive data: We require express consent where appropriate.
Withdrawing consent: You may withdraw your consent (subject to legal/contractual limits and reasonable notice). This may affect our ability to provide services (for example, we cannot submit or service an application without required information).
Marketing communications: You may unsubscribe at any time using the link in our emails/texts or by contacting us (CASL). We will honor your choice promptly.
We disclose personal information only as needed for the purposes identified, including to:
Insurers and managing general agencies (MGAs) to request quotes, submit applications, underwrite, issue, and service policies.
Paramedical providers, labs, underwriters, reinsurers, and claims administrators for underwriting and claims.
Technology & professional service providers (e.g., CRM, secure cloud storage, e-signature tools, IT support, auditors, legal counsel) under contracts requiring confidentiality, security, and use only for our instructions.
Regulators/oversight bodies (e.g., FSRA) and law enforcement where legally required or permitted.
Other parties with your direction (e.g., your accountant, lawyer, or another advisor) or as required to detect/prevent fraud or protect rights, safety, and property.
Cross-border processing: Some service providers may store or process data outside Canada. When information is processed in another jurisdiction, it may be subject to that jurisdiction’s laws. We use contractual and technical safeguards appropriate to the sensitivity of the information.
We collect only the information reasonably necessary for the stated purposes and retain it only as long as needed for those purposes, legal/regulatory requirements, or to protect our legal rights. When no longer required, we securely delete, de-identify, or destroy records in accordance with our retention schedules.
We use administrative, physical, and technical controls appropriate to the sensitivity of the information, including:
Role-based access, confidentiality agreements, and staff training.
Encrypted storage/transmission where feasible (e.g., e-signature platforms, secure portals).
Multi-factor authentication and secure password practices
Vendor due diligence and contractual privacy/security obligations.
Secure record destruction and device/media controls.
Incident Response & Breach Notification: We maintain procedures to investigate and mitigate privacy/security incidents. Where a breach of security safeguards presents a real risk of significant harm, we will notify affected individuals and report to the Office of the Privacy Commissioner of Canada (OPC) and relevant third parties as required by law. We also maintain records of all breaches as required.
By providing my email and/or phone number, I consent to receive electronic communications, including emails and SMS messages, from Whole Life Plus Inc. about insurance products, services, and updates. I understand I can withdraw my consent at any time by replying “STOP” to texts or using the unsubscribe link in emails. Standard message and data rates may apply. We ensure that SMS communications comply with Canada’s Anti-Spam Legislation (CASL) and privacy laws. Sensitive information (such as financial or health details) will never be requested or shared by text.
Our website may use cookies and similar technologies to operate the site, remember preferences, and analyze usage. You can set your browser to block or alert you about cookies; some site features may not function without certain cookies. If we use third‑party analytics or advertising tools, we will disclose those providers and offer choices where applicable (e.g., opt-out links).
You have the right to request access to your personal information in our custody or control, and to request corrections for inaccuracies. In limited cases we may refuse access (e.g., legal privilege, the information relates to others, or security/ fraud concerns). Where access is permitted, we will provide it in a reasonable time and format.
If you have any questions or concerns about these terms and conditions, please contact us at [email protected]
Thank you for using Whole Life Plus. We appreciate your business and trust.