PRIVACY POLICY

Hervin Pesa/Aware Financial Inc. (“company,” “us,” “our,” or “we”) has prepared this Privacy Statement to ensure that the viewers of our website hervinpesa.com, awarefinancial.ca, awareinsurance.ca, awarefinancialplanning.com, and all other affiliated websites and technology systems (collectively, the “Website”), and subscribers to our newsletter or other online services and products (collectively, the “Online Services”) are aware of our practices concerning information collected from users of the Website and subscribers and purchasers of Online Services (“Users”).

1. Terms and Conditions of Use

This Privacy Policy is governed by the Terms of Service of the Website (“Terms of Service”). Please read the Terms of Service prior to using the Website or using, registering for, or purchasing a subscription to the Online Services. By using the Website, or using, registering for, or purchasing any Online Services, Users agree to be bound by the Terms of Service and this Privacy Policy.

2. Information Collected

When a User uses, registers for, or subscribes to any Online Services, or interacts with the Website in other ways, such as by submitting questions or comments, or requesting information or materials, such User acknowledges and authorizes the company to collect the following information:

  • User’s domain name, IP address, and computer and web browser type.
  • Any information provided to the company by the User through the submission of any forms, surveys, and any other information received from the User, including, but not limited to, email addresses, personally identifiable information, and financial and demographic information.
  • Information relative to the User’s utilization of the Website, including what web pages Users visit or access.

To accomplish the foregoing or for any other reason deemed permissible under applicable law, the company may utilize “cookies” on the Website. Cookies are pieces of information that a website transfers to a user’s hard drive for record-keeping purposes. The use of cookies is an industry standard and frequently used by many websites. The company may utilize cookies to recognize Users when they return to the Website. Through our use of cookies, we can customize and improve the use of the Website for Users.

3. Use of Information

All information collected may be utilized to enhance a User’s personal experience at the Website by enabling the company to present content believed to be tailored to each User’s individual interest profile. Contact information collected from Users may be utilized to send each such User information and promotional material from the company or its affiliates, partners, or other third parties who have contracted with us. Information collected from Users may also be utilized by us to improve the Website or for the purpose of:

(i) Conducting statistical analysis. (ii) Developing, improving, or analyzing marketing and promotional materials. (iii) Providing editorial information or feedback to our affiliates, partners, or advertisers. (iv) Targeted telemarketing campaigns conducted by the company, or its affiliates, partners, or advertisers. (v) Communicating with Users via any electronic or other means deemed reasonable by us relative to updates to, among other things, the Website, this Privacy Policy, and a User’s subscription agreement, if any, as well as products or services, events, promotions, and the status of User’s online orders and other Online Services.

4. Third Party Disclosure

To the extent any User information is provided or collected by the company in accordance with this Privacy Policy, we reserve the right to share, lease, license, sell, or otherwise disclose any information relative to any User collected by the company to third parties with or without being compensated for such disclosure. The company will utilize its best efforts to disclose a User’s information only to those third parties that the company deems, in its sole discretion, to be reputable. Notwithstanding the foregoing, by utilizing the Website and/or Online Services, User hereby releases the company from any claims, damages, losses, and liabilities resulting from or arising out of our disclosure of any such User’s information to any third party.

Notwithstanding anything to the contrary herein, we reserve the right to release and disclose any and all information relative to any User to law enforcement or other governmental officials as the company, in its sole and absolute discretion, deems necessary to comply with any applicable law or at the request of any governmental entity or agency.

5. Access and Modification of Information

To the extent required by applicable law, User may request that the company inform User about the personal information maintained by us with respect to User, and where appropriate, request that the company update, correct, and/or suppress personal information about User that we maintain. We will make all required updates and changes within the time specified by applicable law, and where permitted, may charge an appropriate fee to cover the costs of responding to such requests. Please remember, if User makes such a request, the company may not be able to provide User with the same quality and/or variety of Online Services to which User is accustomed. User is permitted to remove User’s personal contact information from our marketing list by utilizing the “Unsubscribe” link located at the bottom of every email sent to Users by the company. To protect User’s confidentiality, the company will only respond to the email address provided to us in User’s request.

6. Information from Minors

No information collected from children is knowingly used for any purpose whatsoever, either inside or outside the Website. The Website and Online Services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors.

7. Anti-Spam Policy

The company seeks to ensure that it and third parties with whom it provides information relative to Users comply with all applicable law relative to contact with Users. In this regard, the company will only contact Users for the following purposes:

  • To acknowledge the company’s receipt of a User’s subscription application, online order, or similar transaction, or to request additional information or action from User relative to any such transaction.
  • In response to a User inquiry regarding the status of any transaction.
  • Periodic contact expressing our appreciation for User’s business or patronage.
  • Communicating with User for those reasons described in Section 2 of this Privacy Policy.

In addition, the company has instituted the following protocols relative to electronic mail correspondence in order to facilitate our compliance with applicable law such as Canada’s Anti-Spam Legislation (CASL):

  • All emails sent to Users by the company will conspicuously identify us as the sender.
  • The Subject of emails will accurately describe the subject matter of the contents thereof, including clearly and conspicuously stating that the e-mail message is an advertisement if applicable.
  • Email messages will contain an “Unsubscribe” link located at the bottom thereof, which will allow the User to opt out of getting email from us in the future.
  • A current physical mailing address will be contained in all email communications, where the User can send suggestions, complaints, or other correspondence.

8. Information Security

The company implements security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of User’s information. We restrict access to personal information to our business partners who may need such information in order to operate, develop, or improve Online Services. Persons receiving such information are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

9. Amendment

We reserve the right to amend our Privacy Policy at our sole discretion and at any time. You should review the Privacy Policy periodically to check for amendments. We will post notice of modifications and additions to these terms on this page. Changes will not apply retroactively and will become effective immediately after they are posted. However, changes addressing new functions for an Online Service or changes made for legal reasons will be effective immediately.

10. Contact Information

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Hervin Pesa Aware Financial Inc. 432-909, 17th Ave SW Calgary, AB T2R 0A4 Email: info@awarefinancial.ca

Terms and Conditions

Welcome to Hervin Pesa/Aware Financial Inc.

hervinpesa.com and awarefinancial.ca are used intergengably.

These terms and conditions outline the rules and regulations for the use of Hervin Pesa’s Website.

Hervin Pesa is located at:

432-909, 17th Ave SW, Calgary, AB, T2R 0A4, Canada

By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Hervin Pesa’s website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement, and Disclaimer Notice, and any or all Agreements: “Client”, “You”, and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our,” and “Us”, refers to our Company. “Party”, “Parties”, or “Us,” refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of the provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of Canada. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they, are taken as interchangeable and therefore as referring to the same.

Cookies

We employ the use of cookies. By using Hervin Pesa’s website you consent to the use of cookies in accordance with Hervin Pesa’s privacy policy. Most modern-day interactive websites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate/advertising partners may also use cookies.

License

Unless otherwise stated, Hervin Pesa and/or its licensors own the intellectual property rights for all material on Hervin Pesa. All intellectual property rights are reserved. You may view and/or print pages from http://www.hervinpesa.com for your own personal use subject to restrictions set in these terms and conditions.

You must not:

Hyperlinking to our Content

The following organizations may link to our Web site without prior written approval:

  • Government agencies;
  • Search engines;
  • News organizations;
  • Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and
  • Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

We may consider and approve in our sole discretion other link requests from the following types of organizations:

  • Commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP, and Consumers Union;
  • Dot.com community sites;
  • Associations or other groups representing charities, including charity giving sites,
  • Online directory distributors;
  • Internet portals;
  • Accounting, law, and consulting firms whose primary clients are businesses; and
  • Educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses; (b) the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications, or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to info@awarefinancial.ca. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

  • By use of our corporate name; or
  • By use of the uniform resource locator (Web address) being linked to; or
  • By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Hervin Pesa’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third-party rights.

Investment Disclaimer and Disclosure:

This site provides insurance information and quotes. The rates displayed are based on information provided by the insurance companies. It should be used for informational purposes only and is subject to change

This site provides calculations for educational and and exploration purposes. Though we do our best to provide updated and accurate information and calculations, we do not guarantee any results, calculations or other figures taken from this site. This public information cannot be relied upon as a source of financial advice and we are not liable for any decisions you make that could lead to losses or harm from using any information from this site. Always consult your own advisor. 


Gernal Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose, and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury resulting from negligence;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence), and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Credit & Contact Information

This Terms and conditions page was created at termsandconditionstemplate.com generator. If you have any queries regarding any of our terms, please contact us at:

Hervin Pesa Aware Financial Inc. 432-909, 17th Ave SW Calgary, AB, T2R 0A4, Canada Email: info@awarefinancial.ca

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