Effective Date: June 9, 2026 | Last Updated: June 9, 2026

Introduction

KayDaniel Wealth (“we,” “our,” or “us”) is a financial literacy and intermediary services company operating under the Mortgage and General Insurance Associates (MGIA) network. We act as a referral intermediary connecting clients with licensed asset management and insurance companies that provide investment and insurance products. KayDaniel Wealth does not directly manage client funds or underwrite insurance policies.

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you access our financial literacy programs, engage with our intermediary services, visit our website, or interact with our team.

By engaging with KayDaniel Wealth, you acknowledge that you have read and understood this Privacy Policy. Please also review the privacy policies of the licensed product providers to whom we refer you, as they govern the information you share directly with them.

Who We Are

KayDaniel Wealth operates as a financial literacy educator and referral intermediary under MGIA. In this capacity, we facilitate introductions between clients and licensed third-party asset management and insurance companies. We do not hold client assets, issue insurance policies, or provide regulated investment advice in our own name.

Our role is to educate, inform, and connect — empowering clients with the financial knowledge they need to make informed decisions through our partner network.

Privacy Officer, KayDaniel Wealth
Email: privacy@kaydanielwealth.com
Phone: [Insert Phone Number]
Address: [Insert Business Address]

Information We Collect

We collect personal information necessary to deliver financial literacy programs, assess your needs, and connect you with appropriate licensed product providers through our MGIA network. This may include:

3.1 Personal Identification Information

• Full legal name, date of birth, and government-issued identification

• Contact details including address, phone number, and email address

• Residency and citizenship status

3.2 Financial Background Information

• General income range and employment status (for needs assessment and referral purposes)

• Broad financial goals such as retirement planning, life insurance coverage, or investment growth

• Self-reported financial literacy level and areas of interest

• Risk comfort level, as shared during financial literacy consultations

3.3 Program Participation Information

• Records of financial literacy sessions, workshops, or webinars attended

• Feedback, assessments, and progress within our educational programs

• Referral records documenting which licensed partner(s) you were connected with

3.4 Technical & Usage Information

• IP addresses, browser type, and device identifiers when using our website or digital platforms

• Cookies and similar tracking technologies (see Section 9)

• Communications with our team via email, phone, or online forms

Note: Detailed financial account information, policy details, and investment account data are collected and held by the licensed product providers you are referred to, not by KayDaniel Wealth.

How We Use Your Information

We use your personal information only for the purposes for which it was collected or as otherwise permitted by law, including:

• Delivering financial literacy programs and educational content

• Assessing your general financial needs

• Facilitating referrals to licensed providers

• Communicating updates and educational materials

• Maintaining service records

• Compliance with laws and MGIA requirements

• Improving programs through anonymized analytics

• Sending marketing communications (with consent)

• Fraud prevention and service integrity

Sharing Your Information with Partner Providers

When you consent to a referral, we may share relevant information with licensed third-party providers within the MGIA network.

By requesting or consenting to a referral, you acknowledge that:

• Your information will be shared with relevant licensed providers

• Their privacy policies will govern your data once shared

• We are not responsible for third-party privacy practices

We do not sell your personal information.

MGIA Network & Regulatory Compliance

We operate under MGIA compliance standards and may share information with MGIA for oversight and compliance purposes. We may also disclose information where required by law, including AML regulations and regulatory authorities.

Legal Basis for Processing

We process your data under the following legal bases:

• Consent

• Contractual necessity

• Legal obligation

• Legitimate interests

You may withdraw consent at any time where applicable.

Data Retention

We retain your information only as long as necessary:

• Client and referral records: minimum 7 years

• Program records: during participation + reasonable period

• Marketing consent: until withdrawn

Unused data is securely deleted or anonymized.

Data Security

We use appropriate safeguards including:

• Encryption of data

• Restricted access controls

• Secure storage and disposal

• Regular security reviews

We will notify users of any significant data breach as required by law.

Cookies & Online Tracking

We use cookies to improve user experience, analyze traffic, and store preferences. You may disable cookies in your browser, but some features may not function properly.

Your Privacy Rights

You have the right to:

• Access your personal data

• Request corrections

• Withdraw consent

• File complaints with our Privacy Officer or the Office of the Privacy Commissioner of Canada (www.priv.gc.ca)

Contact: privacy@kaydanielwealth.com
Response time: within 30 days (identity verification may be required)

Cross-Border Data Transfers

Your data is primarily stored in Canada, but may be processed in other jurisdictions with appropriate safeguards in place.

Third-Party Licensed Providers

Once referred, third-party providers become independent data controllers. We recommend reviewing their privacy policies before sharing additional information.

Minors

Our services are for individuals 18+. We do not knowingly collect data from minors.

Changes to This Policy

We may update this policy from time to time. Changes will be posted on our website with an updated effective date.

Contact Us

Privacy Officer – KayDaniel Wealth
Email: privacy@kaydanielwealth.com
Phone: [Insert Phone Number]
Address: [Insert Business Address]

You may also contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca if needed.