1. Who We Are
OK Financial is operated by Brilliance Financial Solutions Inc., a licensed financial security advisory firm based in Quebec, Canada.
- Advisor: Onofrio Kanagaratnam, Financial Security Advisor
- AMF Licence: #274287 — Assurance de personnes
- Privacy Officer: Onofrio Kanagaratnam
- Email: onofrio.k@brilliancefsi.com
- Phone: +1 (438) 686-2727
- Website: okinsure.ca
2. What Personal Information We Collect
We collect personal information that you provide to us directly, including:
- Full name, date of birth, and gender
- Contact information (email address, phone number)
- Mailing address and province of residence
- Country of origin
- Insurance coverage dates and plan preferences
- Payment information (processed securely by Moneris via Destination Travel Group — we do not store your credit card details)
We do not collect sensitive health information beyond what is required for insurance underwriting purposes.
3. Why We Collect Your Information
We collect and use your personal information for the following purposes:
- To provide insurance quotes and facilitate policy applications
- To contact you regarding your insurance application or policy
- To fulfill our obligations as a licensed insurance advisor under AMF regulations
- To comply with applicable laws and regulatory requirements
- To send you relevant information about your coverage (with your consent)
4. Legal Basis for Processing (Law 25)
Under Quebec's Law 25, we collect personal information based on:
- Consent: You provide explicit consent when submitting our contact form
- Contract performance: To process your insurance application
- Legal obligation: To comply with AMF licensing and reporting requirements
5. How We Store and Protect Your Information
Your personal information is stored securely on servers located in Canada (Central region) using Supabase, a secure database platform. We implement the following safeguards:
- Encrypted data transmission (HTTPS/TLS)
- Row-level security on all database tables
- Access restricted to authorized staff only
- No sharing of credentials with third parties
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law — typically up to 7 years for insurance-related records.
6. Who We Share Your Information With
We share your personal information only in the following circumstances:
- Destination Travel Group Inc. (DTGI): To process your insurance application and issue your policy
- Moneris Solutions: To process payment transactions securely
- Tugo (North American Air Travel Insurance Agents Ltd.): Where applicable, to process Tugo insurance applications
- Regulatory authorities: The AMF or other authorities when required by law
We do not sell, rent, or trade your personal information to any third party for marketing purposes.
7. Your Rights (Law 25)
As a Quebec resident, you have the following rights regarding your personal information:
- Right of access: Request a copy of the personal information we hold about you
- Right of rectification: Request correction of inaccurate information
- Right to withdraw consent: Withdraw consent for marketing communications at any time
- Right to de-indexation: Request removal of publicly accessible personal information
- Right to data portability: Request your information in a structured, commonly used format
To exercise any of these rights, contact our Privacy Officer at onofrio.k@brilliancefsi.com or call +1 (438) 686-2727. We will respond within 30 days.
8. Marketing Communications (CASL)
We will only send you marketing or promotional communications if you have given us express consent. Every marketing email includes an unsubscribe option. Transactional emails related to your policy (confirmations, renewals, policy documents) do not require additional consent.
To unsubscribe from marketing communications, email us at onofrio.k@brilliancefsi.com with the subject line "Unsubscribe."
9. Cookies and Analytics
Our website may use standard web analytics tools to understand how visitors use our site. No personally identifiable information is collected through cookies without your consent. You may disable cookies through your browser settings.
10. Data Breach Notification
In the event of a confidentiality incident (data breach) that presents a risk of serious injury to you, we will:
- Notify the Commission d'accès à l'information du Québec (CAI) without unreasonable delay
- Notify affected individuals in writing without unreasonable delay, and no later than 30 days after becoming aware of the incident
- Take reasonable measures to reduce the risk of injury and prevent future incidents
The notification will describe the nature of the incident, the personal information concerned, the measures taken, and how you can obtain more information.
We maintain an internal breach registry as required by Law 25.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Any material changes will be posted on this page with an updated date. We encourage you to review this policy periodically.
12. Contact Us
If you have any questions, concerns, or complaints about how we handle your personal information, please contact:
- Privacy Officer: Onofrio Kanagaratnam
- Email: onofrio.k@brilliancefsi.com
- Phone: +1 (438) 686-2727
If you are not satisfied with our response, you may contact the Commission d'accès à l'information du Québec (CAI) at cai.gouv.qc.ca.