PRIVACY POLICYATLAS FINANCIAL PROTECTION GROUP
Effective Date: Jun 1, 2026Last Updated: Jun 1, 2026
This Privacy Policy describes the policies and practices of Atlas Financial Protection Group (“Atlas,” “we,” “us,” or “our”) regarding the collection, use, disclosure, retention, safeguarding, and management of personal information obtained through this website, through communications with Atlas, through booking or inquiry forms, through pre-review intake processes, and through related administrative, advisory, insurance, professional coordination, recruiting, compliance, and client service activities.
This Privacy Policy is intended to provide public notice of Atlas’s privacy practices before or at the time personal information is collected. It applies to individuals who visit the website, submit an inquiry, request information, book a review, communicate with Atlas, provide documents, participate in a Financial Protection Review or Protection Strategy Session, inquire about insurance-related services, inquire about professional coordination, inquire about a business or recruiting opportunity, or otherwise provide personal information to Atlas.
This Privacy Policy does not replace any client engagement agreement, privacy consent, information authorization, insurance application, insurer authorization, agency disclosure, professional engagement letter, underwriting authorization, electronic signature consent, carrier form, regulatory disclosure, or other document that may be required in connection with a specific client matter, insurance transaction, professional review, compliance requirement, or service engagement. Where additional documents are provided, those documents may apply together with this Privacy Policy.
1. DEFINITIONS
For purposes of this Privacy Policy:
“Atlas” means Atlas Financial Protection Group and any operating name, website, platform, representative, advisor, administrative process, or service channel used in connection with the Atlas financial protection advisory platform.
“Advisor” means an individual acting in a financial protection advisory, insurance-licensed, administrative, coordination, client service, or related capacity under the Atlas platform, subject to applicable licensing, agency, insurer, regulatory, professional, and contractual boundaries.
“Personal Information” means information about an identifiable individual, including information that alone or in combination with other information can identify, relate to, describe, or reasonably be associated with an individual.
“Client Information” means Personal Information and related information provided by or on behalf of a prospective client, client, insured person, policy owner, family member, spouse or partner, business owner, corporate representative, shareholder, beneficiary, professional advisor, recruiting candidate, or other person involved in a review, inquiry, transaction, or service process.
“Financial Protection Review” means a structured review process that may consider protection-related factors such as income continuity, family obligations, debt, mortgage exposure, business-owner exposure, existing insurance, benefits, coverage gaps, financial exposure, and professional coordination needs.
“Professional Coordination” means the identification, referral, communication, coordination, or routing of matters to appropriately qualified professionals where tax, legal, accounting, estate, securities, mortgage, corporate, financial planning, or other regulated or specialized professional input is required.
“Website” means atlasfpg.com and any related webpage, landing page, booking page, recruiting page, form, embedded tool, analytics function, or digital property controlled or used by Atlas.
2. SCOPE OF THIS POLICY
This Privacy Policy applies to Personal Information collected, used, disclosed, retained, or processed by Atlas in connection with:
(a) public website use;(b) website inquiry forms;(c) booking requests;(d) email, phone, text, video, or other communications;(e) Financial Protection Reviews;(f) Protection Strategy Sessions;(g) insurance-related inquiries, quotes, applications, underwriting, policy service, delivery, or file documentation;(h) existing coverage or benefits review;(i) professional coordination with qualified professionals where required;(j) recruiting, licensing, business opportunity, training, or onboarding inquiries;(k) compliance, supervisory, agency, insurer, audit, recordkeeping, complaint, dispute, or legal processes;(l) website analytics, cookies, pixels, tracking tools, technical logs, or digital performance tools;(m) administrative, operational, security, technology, document management, and client service processes.
This Privacy Policy applies whether information is collected directly from the individual, from documents submitted by or on behalf of the individual, from communications with the individual, from authorized representatives, from insurers or agencies where applicable, from service providers, from qualified professionals, or from technical interaction with the Website.
3. ROLE OF ATLAS AND RELATIONSHIP TO OTHER PARTIES
Atlas operates as a financial protection advisory platform. Insurance-related services, where applicable, may be conducted through World Financial Group Insurance Agency of Canada Inc. or other applicable licensed, agency, carrier, or provider channels, subject to licensing, contracting, product access, underwriting, suitability, jurisdiction, and compliance requirements.
Atlas may act as an independent collector and user of Personal Information for website, inquiry, review, administrative, client service, recruiting, and coordination purposes. In other circumstances, Personal Information may also be collected, used, or disclosed by insurers, agencies, underwriters, technology providers, professional service providers, or other parties under their own legal, regulatory, contractual, privacy, and compliance responsibilities.
This Privacy Policy applies to Atlas’s own privacy practices. It does not control the privacy practices of insurers, agencies, underwriters, external professionals, technology providers, third-party platforms, government bodies, regulators, or external websites, except to the extent Atlas has direct responsibility for information under its control.
4. ACCOUNTABILITY
Atlas is responsible for Personal Information under its control. Atlas will maintain internal practices intended to support the appropriate handling of Personal Information, including reasonable administrative, technical, and organizational measures relative to the sensitivity of the information and the purpose for which it is collected.
Responsibility for privacy compliance may be assigned internally to an individual or function responsible for privacy-related inquiries, access requests, correction requests, withdrawal of consent requests, complaint handling, and coordination of privacy practices.
Atlas may rely on third-party service providers, agencies, insurers, technology systems, professional service providers, or administrative platforms to support its operations. Where Personal Information is transferred or made available to such parties for processing, service, compliance, administration, or professional purposes, Atlas will take reasonable steps appropriate to the circumstances to require that the information be handled for authorized purposes and protected using reasonable safeguards.
5. PERSONAL INFORMATION COLLECTED
Atlas may collect Personal Information and Client Information in categories including, but not limited to, the categories listed below. The specific information collected will depend on the nature of the inquiry, review, service, transaction, communication, or process.
5.1 Identity and Contact Information
Atlas may collect legal name, preferred name, date of birth, age, province, territory, state, country of residence, mailing address, email address, telephone number, preferred method of communication, language preference, occupation, employer, business name, and related identifying or contact details.
5.2 Inquiry, Booking, and Communication Information
Atlas may collect information submitted through contact forms, booking forms, website forms, email messages, phone calls, text messages, video calls, meeting notes, calendar bookings, questionnaires, intake forms, follow-up messages, document requests, preferences, questions, instructions, comments, and related communications.
5.3 Financial Protection Review Information
Atlas may collect information concerning income, employment, self-employment, business income, household obligations, family responsibilities, dependants, spouse or partner information, debt, mortgage obligations, liabilities, assets, savings, benefits, existing coverage, insurance priorities, financial exposure, budget considerations, planning objectives, protection concerns, and other information relevant to a Financial Protection Review or Protection Strategy Session.
5.4 Insurance and Coverage Information
Atlas may collect information concerning existing insurance policies, group benefits, personal coverage, business-owned coverage, life insurance, accident and sickness insurance, disability insurance, critical illness coverage, segregated fund contracts, riders, policy ownership, insured persons, beneficiaries, premium information, coverage amounts, issue dates, replacement considerations, underwriting status, policy illustrations, policy summaries, insurer correspondence, and related insurance documentation.
5.5 Business Owner and Corporate Information
Where relevant, Atlas may collect information concerning business ownership, corporations, partnerships, shareholders, shareholder agreements, buy-sell considerations, key person exposure, business debt, guarantees, corporate obligations, retained earnings, business continuity concerns, succession matters, business income, professional practice structure, corporate contacts, and related business or corporate information.
5.6 Professional Coordination Information
Where a matter requires or may require coordination with qualified professionals, Atlas may collect information related to tax, accounting, legal, estate, securities, mortgage, corporate, trust, financial planning, or other specialized professional matters. This may include professional contact information, document summaries, client instructions, professional review items, and information necessary to coordinate or route the matter appropriately.
5.7 Health, Lifestyle, and Underwriting Information
Where insurance quoting, underwriting, application, servicing, or insurer review is involved, Atlas may collect or receive health, lifestyle, occupational, travel, financial underwriting, medical history, prescription, avocation, risk classification, or related underwriting information only to the extent reasonably required for the applicable insurance or underwriting process.
General website forms are not intended for the submission of Social Insurance Numbers, detailed medical records, physician notes, lab results, diagnostic reports, or highly sensitive information unless specifically requested through an appropriate insurer, agency, professional, underwriting, secure document, or compliance process.
5.8 Recruiting and Business Opportunity Information
Where an individual inquires about a business, recruiting, training, licensing, opportunity, or onboarding process, Atlas may collect name, contact information, province or jurisdiction, professional background, work history, licensing status, business interest, availability, language preference, experience, goals, eligibility information, interview notes, onboarding information, and related communication records.
5.9 Website, Device, Technical, and Analytics Information
Atlas may collect technical and usage information, including IP address, device identifier, browser type, operating system, page views, click activity, session information, referring website, time spent on pages, location approximations derived from technical data, form interaction data, cookie identifiers, analytics identifiers, advertising identifiers, and similar digital interaction information.
5.10 Compliance, File, and Recordkeeping Information
Atlas may collect and retain information necessary to document client communications, consent, disclosures, instructions, meetings, recommendations, declines, decisions, application history, file status, professional coordination, policy delivery, complaint handling, dispute prevention, regulatory review, agency supervision, insurer requirements, audit readiness, and compliance obligations.
6. SOURCES OF INFORMATION
Atlas may collect Personal Information from the following sources:
(a) directly from the individual;(b) from website forms, booking systems, questionnaires, intake forms, uploaded documents, and electronic submissions;(c) from email, phone, text, video, in-person, or other communications;(d) from spouses, partners, family members, business partners, corporate representatives, authorized persons, or other individuals where involvement is authorized or reasonably connected to the review or service process;(e) from insurance policy documents, benefits summaries, financial documents, business documents, tax documents, legal documents, accounting documents, estate documents, or other materials provided by or on behalf of the individual;(f) from insurers, underwriters, agencies, supervisors, compliance personnel, service providers, or insurance-related entities where applicable;(g) from qualified professionals involved in a coordinated review or referral process;(h) from public or commercial sources where reasonably required for verification, compliance, business administration, or professional coordination;(i) from website analytics, cookies, pixels, server logs, and similar technologies.
Atlas will not intentionally collect Personal Information by deceptive, unlawful, or unfair means.
7. PURPOSES FOR COLLECTION, USE, AND DISCLOSURE
Atlas may collect, use, disclose, process, and retain Personal Information for the purposes listed below. These purposes are intended to identify the reasonable business, service, compliance, advisory, administrative, and legal purposes for which information may be handled.
7.1 Website and Inquiry Purposes
Atlas may use Personal Information to respond to website inquiries, contact requests, booking requests, service questions, recruiting inquiries, general communications, and requests for information.
7.2 Review Preparation and Service Purposes
Atlas may use Personal Information to prepare for, conduct, document, and follow up on a Financial Protection Review, Protection Strategy Session, existing coverage review, benefits review, business owner review, family protection review, or related protection-focused review process.
7.3 Financial Protection Analysis Purposes
Atlas may use Personal Information to understand income-risk exposure, family obligations, debt exposure, mortgage obligations, business-owner exposure, existing coverage, coverage gaps, policy limitations, affordability considerations, professional coordination needs, and possible implementation pathways.
7.4 Insurance-Related Purposes
Where applicable, Atlas may use Personal Information to request, prepare, review, present, submit, support, or service insurance quotes, illustrations, applications, underwriting requirements, policy documents, replacement documents, delivery documents, beneficiary changes, ownership changes, servicing requests, insurer communications, claims support, or other insurance-related processes.
7.5 Professional Coordination Purposes
Atlas may use Personal Information to identify issues that require or may benefit from review by qualified professionals, including accountants, tax professionals, lawyers, estate professionals, securities-licensed professionals, mortgage professionals, corporate specialists, financial planning professionals, or other qualified professionals.
7.6 Communication Purposes
Atlas may use Personal Information to communicate by email, phone, text message, video call, online meeting platform, mail, secure document system, electronic signature platform, or other communication method selected by the individual or reasonably required for the service process.
7.7 Administrative and Operational Purposes
Atlas may use Personal Information for scheduling, file creation, document management, client service, recordkeeping, internal administration, service improvement, technology operation, payment administration where applicable, website operation, system maintenance, business continuity, and operational support.
7.8 Compliance, Supervisory, and Legal Purposes
Atlas may use Personal Information to comply with legal, regulatory, agency, insurer, supervisory, audit, complaint, dispute, professional, underwriting, anti-money laundering, recordkeeping, licensing, contractual, or compliance requirements.
7.9 Security and Fraud Prevention Purposes
Atlas may use Personal Information to protect against unauthorized access, misuse, fraud, security incidents, unlawful activity, identity misuse, data loss, operational risk, and other threats to Atlas, clients, website users, agencies, insurers, professionals, service providers, or the public.
7.10 Recruiting and Business Opportunity Purposes
Atlas may use Personal Information to evaluate, communicate with, process, document, or administer inquiries from individuals interested in training, licensing, recruitment, onboarding, business opportunity discussions, or participation in a financial services platform.
7.11 Marketing and Educational Communication Purposes
Atlas may use Personal Information to send educational content, service updates, event information, newsletters, follow-up communications, or other commercial electronic messages only where permitted by applicable law and consent requirements.
7.12 Legal Rights and Risk Management Purposes
Atlas may use Personal Information to establish, exercise, defend, document, or protect legal, contractual, regulatory, professional, business, advisor, agency, insurer, client, or compliance interests.
8. CONSENT
Atlas will collect, use, and disclose Personal Information with consent except where collection, use, or disclosure without consent is permitted or required by applicable law.
Consent may be express, implied, written, electronic, verbal, or provided through conduct, depending on the circumstances, the sensitivity of the information, the reasonable expectations of the individual, the method of collection, and the applicable legal requirements.
By submitting information through the Website, booking a meeting, communicating with Atlas, providing documents, completing a questionnaire, requesting a review, proceeding with a review process, requesting an insurance-related service, or participating in a professional coordination process, the individual consents to Atlas collecting, using, disclosing, retaining, and processing Personal Information for the purposes described in this Privacy Policy and any applicable engagement, authorization, consent, disclosure, agency, insurer, or professional document.
Where Personal Information is sensitive, where the purpose is not obvious, where the information will be disclosed to third parties, where the matter involves insurance underwriting, professional coordination, electronic marketing, or document sharing, additional consent, authorization, disclosure, or engagement documents may be required.
An individual may withdraw or limit consent, subject to legal, regulatory, contractual, professional, insurer, agency, underwriting, compliance, recordkeeping, or practical restrictions. Withdrawal or limitation of consent may prevent Atlas from providing or continuing a service, review, insurance process, professional coordination, or client file function.
9. LIMITING COLLECTION
Atlas will limit the collection of Personal Information to information reasonably necessary for the purposes identified in this Privacy Policy, in an applicable form, in an engagement document, in a consent or authorization, in an insurance process, or in another relevant disclosure.
Atlas may request additional information where required to complete a review, assess suitability, document a file, support an insurance process, comply with agency or insurer requirements, coordinate with qualified professionals, or satisfy legal, regulatory, compliance, or supervisory obligations.
Individuals are responsible for providing information that is accurate, complete, and relevant to the review, inquiry, service, or transaction. Atlas may be unable to provide appropriate review, coordination, or service where relevant information is withheld, incomplete, inaccurate, outdated, or not reasonably verifiable.
10. LIMITING USE, DISCLOSURE, AND RETENTION
Atlas will use and disclose Personal Information only for the purposes for which it was collected, for purposes reasonably connected to those purposes, for additional purposes consented to by the individual, or as otherwise permitted or required by law.
Atlas will not sell Personal Information.
Atlas will not publish Personal Information.
Atlas will not use confidential client information for public marketing, testimonials, case studies, social media, or promotional purposes without appropriate authorization.
Atlas will retain Personal Information only as long as reasonably necessary for the purposes identified, including service delivery, client file management, insurance process support, professional coordination, compliance, legal obligations, agency or insurer requirements, audit readiness, complaint handling, dispute prevention, business administration, and recordkeeping.
Retention periods may vary depending on the nature of the information, the service provided, the existence of a client relationship, applicable insurance requirements, agency requirements, professional obligations, regulatory expectations, limitation periods, legal obligations, and business records requirements.
When Personal Information is no longer required, Atlas will take reasonable steps to destroy, delete, anonymize, or otherwise dispose of it in a manner appropriate to the sensitivity of the information and the method by which it is stored.
11. DISCLOSURE TO THIRD PARTIES
Atlas may disclose Personal Information to third parties where reasonably required for the purposes described in this Privacy Policy or where permitted or required by law.
Third parties may include:
(a) World Financial Group Insurance Agency of Canada Inc., where applicable;(b) insurers, insurance carriers, managing general agencies, underwriters, reinsurers, policy administrators, and insurance service providers;(c) agency supervisors, compliance personnel, audit personnel, field support personnel, or other persons authorized within applicable insurance or agency processes;(d) accountants, tax professionals, lawyers, estate professionals, securities-licensed professionals, mortgage professionals, corporate specialists, financial planning professionals, or other qualified professionals involved in professional coordination;(e) technology providers, hosting providers, CRM providers, email providers, cloud storage providers, electronic signature providers, document management providers, scheduling providers, payment providers, communication platforms, analytics providers, security providers, and administrative service providers;(f) government bodies, regulators, courts, law enforcement, dispute resolution bodies, ombud services, complaint bodies, professional bodies, or other authorities where required or permitted;(g) prospective or actual business successors, purchasers, assignees, or reorganized entities in the event of a business sale, transfer, merger, restructuring, financing, or similar transaction, subject to appropriate confidentiality and legal requirements;(h) other persons where the individual has provided consent or directed Atlas to disclose information.
Atlas will seek to limit disclosure to information reasonably required for the relevant purpose.
12. CROSS-BORDER PROCESSING AND SERVICE PROVIDERS
Personal Information may be stored, accessed, processed, or transferred in Canada, the United States, or other jurisdictions where Atlas, its service providers, technology providers, agencies, insurers, professional providers, or administrative systems operate.
Personal Information processed outside the individual’s province, territory, state, or country of residence may be subject to the laws, lawful access requests, court orders, regulatory requirements, government access powers, or legal processes of the jurisdiction in which it is stored or processed.
By providing Personal Information to Atlas, the individual acknowledges that Personal Information may be transferred, stored, accessed, or processed outside the individual’s local jurisdiction where reasonably required for the purposes described in this Privacy Policy.
Atlas will use reasonable contractual, administrative, technical, and organizational measures appropriate to the circumstances to protect Personal Information transferred to or processed by service providers.
13. SAFEGUARDS
Atlas will use reasonable safeguards appropriate to the sensitivity, amount, distribution, format, and method of storage of Personal Information.
Safeguards may include physical, administrative, technical, contractual, and organizational measures, including access controls, password protection, document control, secure storage, system permissions, staff or advisor confidentiality expectations, electronic security tools, service provider controls, file documentation practices, and procedures for handling confidential information.
No electronic system, website, email platform, cloud system, text message system, video platform, document transfer method, or internet transmission can be guaranteed to be completely secure. Individuals should not submit highly sensitive information through general website forms, unsecured email, or unsecured messaging unless instructed through an appropriate secure process.
Atlas may maintain records of communications, documents, instructions, consents, meetings, disclosures, and service activity for compliance, client service, audit, dispute prevention, and recordkeeping purposes.
14. ACCURACY
Atlas will use reasonable efforts to keep Personal Information as accurate, complete, and current as necessary for the purposes for which it is used.
Individuals are responsible for notifying Atlas of changes to their Personal Information, including contact information, family status, financial circumstances, insurance coverage, business circumstances, professional information, instructions, or other material facts relevant to a review, service, insurance process, or professional coordination matter.
Atlas may rely on Personal Information provided by or on behalf of the individual unless there is a reasonable basis to question its accuracy or completeness. Inaccurate, incomplete, outdated, or misleading information may affect the quality of any review, recommendation, application, underwriting result, professional coordination, service outcome, or file record.
15. ACCESS AND CORRECTION RIGHTS
Subject to applicable legal, regulatory, contractual, privilege, confidentiality, security, professional, and practical limitations, an individual may request access to Personal Information about them that is under Atlas’s control.
An individual may also request correction of Personal Information if the individual believes the information is inaccurate, incomplete, or outdated.
Atlas may require reasonable proof of identity before responding to an access or correction request. Atlas may refuse or limit access where permitted or required by law, including where disclosure would reveal information about another person, confidential commercial information, privileged information, information generated in the course of a formal dispute resolution process, information that cannot be disclosed for legal or security reasons, or information not under Atlas’s control.
Where a correction request is accepted, Atlas will update the relevant information where reasonably practicable. Where a correction request is not accepted, Atlas may, where appropriate, record the individual’s disagreement or requested correction in the file.
16. WITHDRAWAL OF CONSENT
An individual may withdraw consent to the collection, use, or disclosure of Personal Information, subject to legal, regulatory, contractual, professional, agency, insurer, underwriting, compliance, recordkeeping, service, and practical limitations.
Withdrawal of consent may affect Atlas’s ability to communicate with the individual, provide a review, maintain a file, support an insurance application, service a policy, coordinate with professionals, satisfy compliance requirements, or respond to inquiries.
Withdrawal of consent does not require Atlas to delete information that must be retained for legal, regulatory, agency, insurer, professional, contractual, audit, dispute prevention, or recordkeeping purposes.
Requests to withdraw consent should be submitted in writing using the privacy inquiry method identified in this Privacy Policy.
17. ELECTRONIC COMMUNICATIONS AND CASL
Atlas may communicate electronically with individuals by email, text message, online meeting platform, electronic document platform, booking platform, or other digital communication method.
Electronic communications may include service-related communications, transactional communications, review-related communications, document requests, administrative communications, insurance-related communications, professional coordination communications, recruiting communications, educational communications, or commercial electronic messages.
Where Atlas sends commercial electronic messages subject to Canada’s Anti-Spam Legislation or other applicable electronic communications laws, Atlas will seek to comply with applicable consent, identification, unsubscribe, recordkeeping, and message content requirements.
Consent to receive commercial electronic messages may be express or implied where permitted by law. Individuals may unsubscribe from marketing or promotional electronic messages using the method provided in the applicable message or by contacting Atlas through the privacy inquiry method identified in this Privacy Policy.
Unsubscribing from marketing or promotional messages does not necessarily stop service-related, transactional, legal, compliance, insurance, professional coordination, client file, policy service, or administrative communications where such communications are reasonably required or permitted.
18. COOKIES, ANALYTICS, AND DIGITAL TECHNOLOGIES
The Website may use cookies, pixels, tags, scripts, analytics tools, tracking technologies, log files, and similar technologies for website operation, security, performance measurement, user experience improvement, analytics, marketing attribution, advertising measurement, form performance, and technical troubleshooting.
These technologies may collect technical or usage information, including IP address, browser type, device type, operating system, referral source, pages visited, session duration, click activity, approximate location, form interaction, and other website usage data.
Some cookies are necessary for website functionality. Other technologies may be used for analytics or marketing-related purposes where permitted by law and applicable consent requirements.
Individuals may disable or manage cookies through browser settings, device settings, platform settings, or any cookie preference tool provided on the Website, if available. Disabling cookies may affect website functionality.
Additional information may be provided in Atlas’s Cookie Notice.
19. THIRD-PARTY WEBSITES, PLATFORMS, AND LINKS
The Website may contain links to third-party websites, platforms, forms, booking systems, insurer resources, agency websites, professional websites, social media platforms, payment platforms, educational resources, or other external services.
Atlas does not control and is not responsible for the privacy practices, security practices, terms, content, representations, data handling, cookies, analytics, or policies of third-party websites or services.
Individuals should review the privacy policies and terms of any third-party website, platform, or service before providing Personal Information.
20. CHILDREN AND MINORS
The Website is not directed to children or minors and is not intended to collect Personal Information directly from children or minors.
Atlas may collect information about dependants, children, beneficiaries, family members, or minors where such information is provided by a parent, guardian, client, authorized person, or legal representative in connection with a Financial Protection Review, insurance process, professional coordination matter, family protection review, beneficiary discussion, or related service process.
Where information about a minor is collected, Atlas will treat that information as sensitive and will use it only for the purpose for which it was provided or as otherwise permitted or required by law.
21. SENSITIVE INFORMATION
Certain Personal Information may be considered sensitive depending on the context, including information about health, finances, family circumstances, dependants, beneficiaries, insurance coverage, income, debt, business ownership, legal matters, tax matters, estate matters, underwriting, or identity.
Atlas will seek to limit collection of sensitive information to what is reasonably required for the relevant review, service, insurance process, professional coordination, compliance, or legal purpose.
Individuals should not submit Social Insurance Numbers, detailed medical records, lab results, physician notes, government identification documents, banking access credentials, passwords, or other highly sensitive information through general website forms or unsecured communication channels unless specifically requested through an appropriate secure process.
22. NO SALE OF PERSONAL INFORMATION
Atlas does not sell Personal Information.
Atlas does not disclose Personal Information to unrelated third parties for their independent marketing purposes without consent.
Atlas may disclose Personal Information to service providers, agencies, insurers, professional providers, technology providers, analytics providers, or compliance-related parties where reasonably required for the purposes identified in this Privacy Policy.
Where a law uses terms such as “sale,” “share,” “targeted advertising,” or similar concepts differently from ordinary business language, Atlas will assess and respond to such requirements where those laws apply.
23. UNITED STATES AND OTHER NON-CANADIAN VISITORS
The Website may be accessible from jurisdictions outside Canada. Access to the Website from outside Canada does not mean that Atlas offers regulated services in that jurisdiction.
Atlas’s services, insurance-related activities, professional coordination, and financial protection review processes are subject to applicable licensing, authorization, jurisdictional, regulatory, agency, insurer, professional, and compliance requirements.
Where Personal Information is provided by individuals located outside Canada, Atlas may process that information in accordance with this Privacy Policy and applicable legal requirements. To the extent privacy laws of a non-Canadian jurisdiction apply to Atlas, Atlas will respond to applicable rights and obligations in accordance with those laws.
This Privacy Policy is not an admission that Atlas is subject to any specific non-Canadian privacy law in every circumstance.
24. PRIVACY RIGHTS UNDER OTHER APPLICABLE LAWS
Depending on the individual’s jurisdiction and the nature of the interaction, certain additional privacy rights may apply. These may include rights to know what categories of information are collected, to request access, to request correction, to request deletion where legally available, to limit certain uses of sensitive information, to opt out of certain forms of sale, sharing, targeted advertising, or marketing, and to complain to a privacy regulator.
Atlas will respond to such requests where required by applicable law and subject to verification, legal exceptions, retention obligations, compliance obligations, security requirements, and operational limitations.
A request under another jurisdiction’s privacy law should clearly identify the jurisdiction, the right being exercised, and the information necessary to verify the request.
25. COMPLAINTS AND CHALLENGING COMPLIANCE
An individual may submit a privacy-related question, concern, complaint, access request, correction request, withdrawal of consent request, or compliance challenge to Atlas.
Atlas will review privacy complaints and inquiries in a reasonable manner and may request additional information to verify identity, understand the issue, locate relevant records, assess applicable obligations, and respond appropriately.
Where an individual is not satisfied with Atlas’s response, the individual may have the right to contact the applicable privacy regulator, commissioner, or authority depending on the individual’s jurisdiction and the applicable law.
26. SECURITY INCIDENTS
If Atlas becomes aware of a privacy breach or security incident involving Personal Information under its control, Atlas will assess the incident based on the nature of the information, the sensitivity of the information, the likelihood of misuse, the risk of harm, the individuals affected, the parties involved, and applicable legal, regulatory, insurer, agency, contractual, or professional obligations.
Where notification, reporting, recordkeeping, mitigation, or other action is required by applicable law or contractual obligation, Atlas will take steps it considers appropriate in the circumstances.
27. BUSINESS TRANSFERS AND ORGANIZATIONAL CHANGES
Personal Information may be disclosed or transferred in connection with an actual or proposed business transaction, reorganization, financing, sale, merger, acquisition, transfer, assignment, restructuring, or similar event involving Atlas or its assets, provided that the disclosure or transfer is reasonably required for the transaction and subject to appropriate confidentiality, legal, and privacy safeguards where required.
Any successor or assignee may use Personal Information for substantially similar purposes as described in this Privacy Policy, subject to applicable law and any required notice or consent.
28. CHANGES TO THIS PRIVACY POLICY
Atlas may amend, update, replace, or revise this Privacy Policy from time to time to reflect changes in legal requirements, regulatory guidance, business practices, service offerings, website functionality, technology, service providers, privacy practices, or operational requirements.
The updated version will be posted on the Website with a revised “Last Updated” date. Continued use of the Website or continued provision of Personal Information after an updated Privacy Policy is posted constitutes acknowledgement of the updated Privacy Policy, subject to applicable law.
Where a material change requires additional notice or consent, Atlas will take steps it considers appropriate in the circumstances.
29. PRIVACY INQUIRIES
Privacy inquiries, access requests, correction requests, withdrawal of consent requests, or privacy complaints may be submitted to:
Atlas Financial Protection GroupPrivacy Officer / Privacy InquiryEmail: moc.gpfsalta%40ycavirpWebsite: atlasfpg.com
Atlas may require verification of identity before processing a request involving Personal Information.
30. INTERPRETATION
This Privacy Policy is intended to be interpreted in a manner consistent with applicable privacy, insurance, electronic communications, consumer protection, regulatory, agency, insurer, professional, and commercial requirements.
If any part of this Privacy Policy is found to be invalid, unenforceable, or inconsistent with applicable law, the remaining parts will continue to apply to the maximum extent permitted.
Headings are included for convenience only and do not limit the interpretation of this Privacy Policy.
Where this Privacy Policy uses the words “including,” “such as,” or similar terms, those terms are illustrative and not limiting.
This Privacy Policy is written for public website and pre-engagement privacy notice purposes. Additional client-specific, insurance-specific, agency-specific, insurer-specific, underwriting-specific, professional-specific, or transaction-specific documents may apply where required.