Introduction
De Castro Wealth Services Inc. ("De Castro Wealth", "we", "us") respects your privacy. This policy explains how we collect, use, share and protect your personal information when you visit decastrowealth.com, contact us, or become a client.
We follow Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and any provincial privacy laws that apply. By using our website or services, you agree to the practices described here.
Information we collect
We collect only the information we need to serve you. This may include:
Contact details: your name, email address, phone number (optional) and province, provided through our website forms or by email.
Business and goals information: your type of business, approximate monthly revenue, business structure and the financial questions you share with us.
Financial planning information (clients only): income, expenses, assets, debts, tax information, family details and goals needed to prepare your financial plan.
Insurance information (if you apply for coverage): health, lifestyle and other details required by the insurer to assess an application.
Investment account information (if you open an account through ModernAdvisor): details ModernAdvisor requires to open and manage your account, including identity verification.
Website data: basic information collected automatically when you visit our site, such as browser type, pages viewed and how you arrived, through cookies and similar tools.
We never ask for your Social Insurance Number, account passwords or banking details through our website forms.
How we use your information
We use your personal information to:
Respond to your inquiries and schedule calls
Assess whether our services are a good fit for you
Prepare, deliver and update your financial plan
Help you apply for insurance or open investment accounts, if you choose to
Send you resources you request, such as our checklist, and occasional emails you can unsubscribe from at any time
Meet our legal, regulatory and record-keeping obligations
Improve our website and services
We do not sell, rent or trade your personal information.
Consent
We collect, use and share your personal information only with your consent, except where the law allows or requires otherwise. You give consent when you submit a form, become a client or ask us to act on your behalf.
For sensitive information, such as health details for an insurance application, we ask for your express consent. You can withdraw consent at any time, subject to legal or contractual limits. If you do, we may no longer be able to provide some services.
How we share your information
We share personal information only as needed to provide our services, and only with:
ModernAdvisor Canada Inc., if you choose to open an investment account through them
Insurance companies and Financial Horizons Group, if you choose to apply for insurance coverage through us
Your accountant, lawyer or other advisors, only with your permission, to coordinate your plan
Service providers who help us run our business, such as our website, scheduling, email and client management platforms (for example, GoHighLevel). They may use your information only to provide services to us.
Regulators, auditors or authorities, when required by law or regulation
We require anyone we share information with to protect it appropriately.
Storage and security
We protect your information with safeguards suited to its sensitivity, including password-protected systems, access limited to people who need it, and secure file sharing.
Some of our service providers store data outside Canada, including in the United States. Information stored outside Canada may be subject to the laws of that country, including lawful access by its authorities.
How long we keep your information
We keep personal information only as long as needed for the purposes above, or as required by law and our regulators. Client records are generally kept for at least 7 years after our relationship ends. Information from prospective clients who don't become clients is deleted after 12 months unless you ask us to remove it sooner.
When information is no longer needed, we securely delete or destroy it.
Your rights
You have the right to:
Access the personal information we hold about you
Correct information that is inaccurate or incomplete
Withdraw consent to our use of your information, subject to legal limits
Unsubscribe from our emails at any time using the link in each email
To make a request, contact our Privacy Officer below. We respond within 30 days.
Contact us
Our Privacy Officer is responsible for this policy and for answering your privacy questions:
Rianne de Castro, CFP®, Privacy Officer De Castro Wealth Services Inc. Ottawa, Ontario [email protected]
If you're not satisfied with our response, you can contact the Office of the Privacy Commissioner of Canada at priv.gc.ca.
Cookies
Our website uses cookies and similar tools to make the site work and understand how visitors use it. You can block or delete cookies in your browser settings; some site features may not work as expected if you do.
Changes to this policy
We may update this policy from time to time. The latest version will always be posted on this page with its effective date.
Effective date: October 27, 2026