1. About EverHeld Life
EverHeld Life is an insurance advisory business operating in Canada, with services subject to provincial licensing and product availability. This policy explains how the advisors operating as EverHeld Life handle personal information in the course of website visits, inquiries, consultations, and related insurance activities.
Our privacy contact is everheldlife@gmail.com. We are based in Calgary, Alberta. We aim to handle personal information in accordance with applicable Canadian privacy laws, including Alberta's Personal Information Protection Act (PIPA) where applicable.
2. Personal information we collect
Depending on your inquiry, we may collect your name, phone number, email address, location, age, coverage interests, household circumstances, and information needed to discuss potential insurance eligibility or premiums. That can include smoking status, occupation, relevant financial circumstances, and health details you choose or are asked to provide.
When you book a consultation, we may receive your name, email, appointment details, and messages you provide. Our website host may process technical information such as browser details, IP addresses, and request logs to operate and secure the site.
Please avoid sending sensitive medical records through ordinary email. If further health details or documents are needed, we can discuss an appropriate way to provide them.
3. How we use your information
We may use information to respond to your inquiry, discuss insurance needs, explain products and eligibility, arrange and manage consultations, prepare potential quotations, assist with applications if you choose to proceed, and maintain records required for business, legal, insurance, or regulatory purposes.
We do not use information about your health to create social-media advertising audiences.
4. Consent and communications
By making an inquiry or booking an appointment, you authorize use of the information reasonably necessary to respond to that request. For sensitive information, applications, and additional purposes, we seek consent appropriate to the situation. We will explain significant additional uses or disclosures when appropriate.
An insurance inquiry does not automatically enroll you in a mailing list. Any promotional emails or text messages must comply with applicable Canadian electronic-marketing requirements, including consent and unsubscribe rules. You may ask us to stop marketing messages at any time.
Subject to applicable law and reasonable notice, you may withdraw consent for future uses or disclosures. This may affect our ability to assist with certain insurance services.
5. When information may be shared
We do not sell your personal information. Where needed and authorized, information may be shared with insurance providers, managing general agencies, or their authorized representatives to explore quotes, underwriting, applications, or policy servicing. We may also use companies that provide website hosting, inquiry forms, email delivery, and scheduling. Other disclosure may occur when required or permitted by law, including legitimate regulatory or professional obligations.
Information submitted directly to an insurance carrier or another platform may also be subject to that organization's own privacy notice.
6. Service providers and processing outside Canada
Our website is hosted through Wix; we use Google email and Calendly scheduling, and our inquiry form is hosted on a separate website. These services may handle personal information outside Canada, including in the United States. Information processed in another country may be accessible under that country's laws.
These services help us deliver the website, receive and manage inquiries, communicate with clients, and arrange appointments. For questions about applicable service providers or their processing practices, contact us using the address below.
7. Website technology and external links
The main EverHeld Life website primarily provides information about insurance. Request Information links open a separately hosted form, while BOOK A CONSULTATION links open Calendly. These providers may collect information you enter and use cookies or similar technology to support their services; their own privacy notices may also apply.
Technical or essential cookies may be used to operate and secure the website. If additional analytics, advertising tracking, or other technologies are introduced, we will review and update this policy and applicable consent arrangements.
8. Safeguards, retention, and incidents
We aim to use organizational and technical safeguards suited to the sensitivity of personal information and to restrict access to people and providers who need it for legitimate purposes. However, no electronic system can guarantee absolute security.
Information is retained only as long as reasonably needed for the purposes for which it was collected or to meet applicable insurance, legal, record-keeping, and compliance obligations. Retention may differ between an inquiry, an insurance application, and an active policy. When information is no longer needed, it should be deleted or anonymized appropriately.
We assess privacy incidents and notify affected individuals or regulators where required by applicable law.
9. Your choices and rights
Subject to applicable law, you may request access to your information, ask for corrections, inquire about its uses and disclosures, raise concerns, or withdraw consent for certain future activities. Requests may be subject to identity verification, legal exceptions, and record-retention requirements.
Please email everheldlife@gmail.com with your request. Our services are directed to adults; we do not intentionally invite children to submit insurance inquiries without an appropriate parent or guardian.
10. Questions, concerns, and policy changes
EverHeld Life — Privacy inquiries
Calgary, Alberta, Canada
everheldlife@gmail.com
We will review privacy questions and complaints in accordance with applicable law. If a concern remains unresolved, you may contact the Office of the Information and Privacy Commissioner of Alberta or another applicable privacy regulator.
We may update this policy if our services, systems, or legal requirements change. The date above indicates when it was last revised.