Privacy Policy

Last Updated: October 8, 2026

Panorama Financial Planning Inc. ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website panoramafp.ca or use our services.

1. Information We Collect

Personal Information

When you engage with our services, we may collect the following personal information through PreciseFP:

• Name, email address, phone number, and mailing address
• Date of birth and government-issued ID (Driver's License)
• Financial information including income, assets, liabilities, investment accounts, and tax information
• Statements and documents you share with us, like account statements, tax slips, and corporate financials
• Family information relevant to financial planning
• Insurance policy details
• Recordings and transcripts of meetings through Focal AI, which we make only with your permission
• Estate planning documents such as Wills, POA, Representation Agreement and beneficiary information

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website and exit pages

2. How We Use Your Information

We use your information to:

• Provide financial planning and advisory services
• Create comprehensive financial plans tailored to your goals
• Communicate with you about your financial plan and our services
• Respond to your inquiries and requests
• Maintain accurate records for compliance and regulatory purposes
• Improve our communication and services
• Send you relevant financial planning insights and updates (with your consent)
• Comply with legal and regulatory obligations

3. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:

With Your Consent

We may share your information with third-party professionals (accountants, lawyers, insurance brokers, investment specialists) when coordinating your financial plan, with your explicit permission.

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, such as:

• Conquest as our Financial planning software provider
• Google Workspace as our Cloud storage and data management services
• Google Workspace and Mailerlite as our Email and communication platforms
• Quickbooks Online as our Payment processors

These providers are contractually obligated to maintain the confidentiality and security of your information.

Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request, including:

• Compliance with tax reporting obligations
• Response to subpoenas or court orders
• Protection of our legal rights
• Prevention of fraud or illegal activity

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encrypted data transmission (SSL/TLS)
• Secure cloud storage with encryption at rest
• Access controls on the systems where we store your information
• Multi-factor authentication (MFA), which means a second step beyond a password, on the systems where we store your information
• Regular security audits and updates
• Limited employee access on a need-to-know basis

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. We keep client records for seven (7) years after the end of the client relationship, in line with common record-keeping practice for financial planners in Canada.

After the retention period, we will securely delete or anonymize your information.

6. Your Privacy Rights

Under Canadian privacy laws, and as a matter of our practice, you can:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Withdraw Consent: Withdraw your consent for certain uses of your information
• Portability: Request a copy of your information in a portable format
• Object: Object to certain processing of your information

To exercise these rights, please contact us using the information below.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience. Cookies are small text files stored on your device that help us:

• Remember your preferences
• Analyze website traffic and usage patterns
• Improve website functionality

You can control cookies through your browser settings. However, disabling cookies may limit certain features of our website.

8. Third-Party Links

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

9. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not independently engage with minors. However, we may collect limited information about our clients' children for financial planning purposes, specifically:

• Name and date of birth for RESP (Registered Education Savings Plan) planning
• Information necessary for education funding strategies
• Beneficiary designation for estate planning purposes

This information is collected solely from parents/guardians and only when relevant to your financial planning needs. We do not collect this information directly from children, and we do not use it for any purpose other than providing financial planning services to you.

If you have questions about how we handle information about your children, please contact us.

10. Where Your Information Is Stored

Your information is held by service providers that store or process it in Canada and in the United States. Information held outside Canada is subject to the laws of that country, including access by its courts and authorities. We choose providers that publish their security practices, and we remain responsible for the information we share with them. A current list of the types of providers we use, and the countries where they store information, is available on request.

11. Our Use of AI Tools

We use AI tools to support our work, such as transcribing and summarizing meetings and preparing analysis with tools like Focal AI, Claude and Gemini. When we use AI tools for analysis, we redact your personal information first, and the information we enter is not used to train their AI models. We record or transcribe a meeting only with your permission, and you can ask us to take notes by hand instead. Section 10 applies to information entered into these tools.

12. Privacy Breaches

If a breach involving your information creates a real risk of significant harm, we will notify you promptly and report it to the Office of the Privacy Commissioner of Canada as the law requires.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending you an email notification (for significant changes)

For material changes, like adding a new type of provider that handles your confidential information, we will ask for your agreement before the change applies to your information.

14. Contact Us

15. Questions and Complaints

Please contact us first at hello@panoramafp.ca, and we will respond promptly. If you're not satisfied, you can contact the Office of the Privacy Commissioner of Canada (priv.gc.ca) or the privacy commissioner in your province, and you can raise concerns about professional conduct with FP Canada (Financial Planning Canada), the professional body that certifies CFP® professionals and sets their standards of professional responsibility: