Privacy Policy

Last Updated: September 2026

H. Moradian Insurance Solutions (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit our website, complete a form, request information, book a consultation, or communicate with us.

1. Information We May Collect

Depending on how you interact with us, we may collect information such as your name, email address, telephone number, province or location, preferred method of contact, appointment information, and information you voluntarily provide through forms, email, telephone, or consultations.

When you inquire about insurance products or proceed with an insurance application, additional personal, financial, health, employment, or other information may be required to assess your insurance needs, eligibility, or application. Sensitive information will only be requested when reasonably necessary for the applicable insurance process.

Our website may also automatically collect certain technical information, such as IP address, browser type, device information, pages visited, referring website, and general website usage information through cookies or similar technologies.

2. How We Use Your Information

We may use personal information to respond to inquiries and requests; schedule and manage consultations; understand your insurance needs; provide information about Life Insurance, Disability Insurance, Critical Illness Insurance, Hospitalization, Cancer Insurance, and other Living Benefits solutions; assist with insurance applications and servicing; communicate with you regarding your inquiry or coverage; improve our website and services; maintain appropriate business and compliance records; and meet legal, regulatory, contractual, or insurance-industry requirements.

We limit the collection and use of personal information to purposes that are reasonably necessary and appropriate.

3. Consent

By voluntarily providing personal information, you consent to its collection, use, and disclosure for the purposes explained to you at or before the time of collection, subject to applicable Canadian privacy laws.

Where appropriate, additional or express consent may be requested, particularly when sensitive information is involved.

You may withdraw your consent, subject to legal, regulatory, contractual, or other applicable restrictions and reasonable notice. Withdrawal of consent may affect our ability to provide certain services.

Canadian privacy guidance generally requires meaningful consent and emphasizes that individuals should understand what information is collected, why it is collected, and with whom it may be shared.

4. Sharing of Personal Information

We do not sell your personal information.

Where necessary to provide requested services, information may be shared with authorized insurance companies, underwriting or insurance-service providers, technology and CRM providers, appointment or communication platforms, professional or regulatory parties, or other service providers acting on our behalf.

Information may also be disclosed where required or permitted by law.

Service providers may process or store information outside your province or outside Canada. Where this occurs, information may be subject to the laws of the jurisdiction in which it is processed or stored.

5. Insurance and Health Information

Insurance applications may require sensitive personal information, including health, medical, financial, occupational, or lifestyle information.

Such information should only be collected when relevant to the insurance product, application, underwriting, servicing, or other legitimate insurance purpose and may be provided to the applicable insurance company or authorized service providers as required to process your request or application.

Providing information through this website does not guarantee insurance eligibility, approval, coverage, or issuance of a policy.

6. Cookies, Analytics and Advertising

Our website may use cookies, pixels, analytics technologies, or similar tools to operate the website, understand website usage, improve user experience, measure advertising performance, and support marketing activities.

These technologies may be provided by third-party platforms such as Google, Meta, or other technology providers where those services are used.

Depending on the technologies implemented on this website and applicable requirements, you may be provided with options to manage or decline non-essential cookies.

Canadian privacy guidance recommends informing website visitors about cookies and other non-visible tracking technologies and their purposes.

7. Marketing Communications

If you provide consent to receive promotional emails, text messages, or other marketing communications, we may contact you about insurance-related information, services, educational content, or relevant offers.

You may unsubscribe from promotional communications at any time using the unsubscribe mechanism provided or by contacting us.

Service-related communications, such as responses to your inquiry or appointment communications, may still be sent where appropriate.

8. Data Security

We use reasonable administrative, technical, and organizational safeguards appropriate to the sensitivity of the information to help protect personal information against unauthorized access, disclosure, loss, misuse, or alteration.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

9. Retention of Information

Personal information is retained only for as long as reasonably necessary to fulfill the purposes for which it was collected and to satisfy applicable legal, regulatory, insurance, recordkeeping, or business requirements.

When information is no longer required, it may be securely deleted, destroyed, or anonymized as appropriate.

10. Accessing or Correcting Your Information

You may contact us to request access to personal information we hold about you or to request correction of information that is inaccurate or incomplete, subject to applicable legal limitations.

Canadian privacy principles provide individuals with rights to request information about the existence, use, and disclosure of their personal information and, where appropriate, to request corrections.

11. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review their privacy policies before providing personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, services, technology, or legal requirements.

The latest version will be posted on this website with an updated “Last Updated” date.

13. Contact Us

If you have questions about this Privacy Policy, wish to access or correct your personal information, withdraw consent where applicable, or raise a privacy concern, please contact:

Homeira Moradian
266 – 1488 Main Street
North Vancouver, BC, Canada

Phone: 236-888-6373
Email: [email protected]