Privacy Policy

Last updated: October 27, 2026

Sensible Insurance & Financial Services Ltd. ("Sensible Insurance," "we," "us") respects your privacy. This policy explains what personal information we collect, why we collect it, and your rights. We follow Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy law.

Who we are

Sensible Insurance & Financial Services Ltd. is a life insurance agency based in Surrey, British Columbia. Our advisor, Shivraj Ghuman, is licensed in British Columbia, Alberta, Manitoba, and Ontario.

What we collect

• Contact information — your name, email address, and phone number, when you fill out a form on this website, complete one of our quizzes or lead forms on Facebook or Instagram, or contact us directly.
• Information you share with us — details you provide so we can advise you, such as your age range, coverage interests, current coverage, and — only when you choose to apply for a product — the financial and health information an insurer requires for that application.
• Website information — standard technical data such as pages visited and browser type, collected through cookies or similar tools, used to improve this site and measure our advertising.

Why we collect it

• To respond to your inquiry and contact you about the products you asked about
• To provide insurance and investment advice, quotes, and comparisons
• To prepare and submit an application to an insurer, only when you ask us to
• To meet our legal and licensing obligations

We collect only what we need for these purposes.

Consent

By submitting a form or contacting us, you consent to us using your information as described here. You may withdraw your consent at any time by contacting us — just note that withdrawing consent may limit our ability to serve you. We will never sell your personal information.

Who we share it with

• Insurance companies and product providers, only when you ask us to obtain a quote or submit an application on your behalf
• Service providers who help us operate (for example, Meta, whose platforms deliver our lead forms, and our email and website providers) — they may use your information only to provide their services to us
• Regulators or authorities, when the law requires it

We do not sell, rent, or trade your personal information to anyone.

How we protect it and how long we keep it

We use reasonable safeguards appropriate to the sensitivity of the information. We keep personal information only as long as needed for the purposes above and for legal and licensing record-keeping, after which it is securely deleted or destroyed.

Your rights

You may ask us at any time to see the personal information we hold about you, to correct anything inaccurate, or to withdraw consent. Contact our Privacy Officer:

If we cannot resolve your concern, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.

Changes to this policy

We may update this policy from time to time. The current version will always be posted on this page, with the date shown at the top.

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