Privacy Policy

Lampel Odeste (“we,” “our,” or “I”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit lampelodeste.ca or contact us for insurance services. By using our website or services, you agree to the terms of this Privacy Policy.

We operate in compliance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, British Columbia’s Personal Information Protection Act (PIPA) and Ontario’s privacy legislation.

1. Information We Collect

1.1 Information You Provide

We collect information you voluntarily provide when you:

• Complete a contact or lead capture form on our website
• Book a consultation or free coverage review
• Send us an email or message
• Request educational materials such as the Warm Ledger Blueprint

This information may include your name, email address, phone number, province of residence, and any details you choose to share about your insurance needs.

1.2 Information Collected Automatically

When you visit lampelodeste.ca, we may automatically collect certain technical information, including IP address and browser type, pages visited and time spent on the site, referring URL, and device type and operating system. This data is collected through standard web analytics tools and is used solely to improve our website and user experience.

1.3 Information We Do Not Collect

We do not collect sensitive financial information (such as SIN numbers, banking details, or credit card numbers) through our website. Any such information required for insurance applications is collected through secure, regulated channels.

2. How We Use Your Information

We use the information we collect to respond to your inquiries and schedule consultations, provide insurance education and product information, send you the educational resources you requested, follow up on your coverage review, improve our website and service delivery, and comply with legal and regulatory obligations as a Licensed Life Insurance Agent.

We will only contact you for marketing purposes with your express or implied consent, in accordance with Canada’s Anti-Spam Legislation (CASL).

3. CASL Compliance

We comply with Canada’s Anti-Spam Legislation (CASL). We will only send commercial electronic messages (CEMs) to you if you have provided express consent by checking a consent box on our forms, or we have implied consent based on an existing business relationship. Every commercial message we send will include a clear and easy way to unsubscribe. Unsubscribe requests will be processed within 10 business days.

4. Disclosure of Your Information

4.1 We Do Not Sell Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4.2 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our website and delivering services, including CRM and email automation platforms, calendar and booking software, and website hosting providers. These providers are contractually bound to protect your information and may not use it for any purpose other than providing services to us.

4.3 Insurance Carriers and MGA

When you proceed with an insurance application, relevant personal information will be shared with Experior Financial Group (our Managing General Agent) and the applicable insurance carrier. This sharing is necessary to underwrite and issue your policy and is subject to those parties’ own privacy policies.

4.4 Legal Requirements

We may disclose your information if required to do so by law, regulatory authority, or court order, or if we believe disclosure is necessary to protect our rights or the safety of others.

5. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. Insurance-related records are retained in accordance with applicable regulatory requirements in BC and Ontario.

6. Your Rights

Under PIPEDA and applicable provincial legislation, you have the right to access your personal information, request correction of inaccurate or incomplete information, withdraw consent, request deletion where not legally required to retain, and file a complaint with the Office of the Privacy Commissioner of Canada (OPC). To exercise any of these rights, please contact us at [email protected].

7. Security

We take reasonable technical and organizational precautions to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet is 100% secure.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website following any changes constitutes your acceptance of the revised policy.

10. Contact Us

Terms of Service

Please read these Terms of Service carefully before using lampelodeste.ca or engaging with any services offered by Lampel Odeste. By accessing our website or requesting a consultation, you agree to be bound by these terms.

1. About Us

Lampel Odeste is a Licensed Life Insurance Agent operating in British Columbia and Ontario under Experior Financial Group (MGA). We provide life insurance education, coverage reviews, and insurance product recommendations within the scope of our licensing. We are not a financial planner, investment advisor, tax advisor, or mortgage broker. Nothing on this website or communicated by us constitutes financial, investment, tax, or legal advice.

2. Scope of Services

2.1 What We Offer

• Educational content about life insurance, living benefits, and protection planning
• Free, no-obligation coverage reviews
• Life insurance product recommendations based on your needs and eligibility
• Assistance with life insurance applications through licensed carriers

2.2 What We Do Not Offer

• Investment advice or securities recommendations
• Tax planning or tax minimization strategies
• Legal advice of any kind
• Retirement planning services (beyond the protection components of life insurance products)
• Travel insurance, property insurance, or any class of insurance outside our licensing scope

3. Educational Content

All content published on lampelodeste.ca is for general educational purposes only. It does not constitute personalized financial or insurance advice. Insurance needs vary significantly based on individual circumstances. We strongly encourage you to book a consultation before making any insurance decisions.

4. No Guarantee of Coverage or Outcomes

Providing information through our website or booking a consultation does not guarantee that you will qualify for any insurance product. Eligibility is determined by the applicable insurance carrier based on underwriting criteria. We do not guarantee specific policy outcomes, premium amounts, or claim results.

5. Use of Our Website

5.1 Permitted Use

You may use lampelodeste.ca for lawful purposes related to learning about insurance products and booking a consultation with us.

5.2 Prohibited Use

• Use our website in any way that is unlawful, harmful, or fraudulent
• Attempt to gain unauthorized access to any part of our website or systems
• Reproduce, distribute, or republish our content without prior written permission
• Submit false or misleading information through our forms

6. Intellectual Property

All content on lampelodeste.ca, including text, graphics, logos, and educational materials, is the property of Lampel Odeste and is protected by applicable copyright and intellectual property laws.

7. Third-Party Links and Services

Our website may link to third-party websites or integrate third-party tools (such as booking calendars or CRM platforms). These are governed by their own terms of service and privacy policies. We are not responsible for the content, accuracy, or practices of any third-party service.

8. Limitation of Liability

To the fullest extent permitted by law, Lampel Odeste shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our website, reliance on any content provided, any errors or omissions in our educational content, or any insurance decision made based on information obtained through our website. Our total liability for any claim is limited to the amount you paid us, if any, in the three months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Lampel Odeste, Experior Financial Group, and their respective affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms of Service or your misuse of our website.

10. Privacy

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

11. Regulatory Compliance

Lampel Odeste operates under the oversight of the Financial Services Regulatory Authority of Ontario (FSRA) in Ontario, the BC Financial Services Authority (BCFSA) in British Columbia, and Experior Financial Group as our Managing General Agent (MGA). If you have a complaint about our services, you may contact us at [email protected].

12. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website following any changes constitutes your acceptance of the revised terms.

13. Governing Law

These Terms of Service are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

14. Contact Us