Privacy Policy

Last updated: October 2025

Website: www.rossfinancial.ca

Company: Ross MacFarlane Insurance Services (“Ross Financial,” “we,” “our,” or “us”) Overview Ross Financial is committed to protecting your privacy and safeguarding the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, use our services, or interact with us. 

By using this website, you consent to the practices described in this Privacy Policy.

1. Information We Collect We collect personal information that you voluntarily provide to us, including but not limited to: Contact information: name, email address, phone number, mailing address Financial and insurance information: details provided through consultation requests or service inquiries Website usage data: IP address, browser type, device information, and pages visited (through cookies  and analytics tools) We may also collect information from third parties, such as referral partners or publicly available sources, when permitted by law.
2. How We Use Your Information We use personal information to: Respond to inquiries and provide requested services Schedule consultations or appointments Assess your financial or insurance needs. Send relevant communications, updates, or newsletters (you may unsubscribe anytime) Improve our website, marketing, and customer experience Meet legal, regulatory, and compliance requirements.
3. Consent By providing your personal information to us, you consent to its collection, use, and disclosure as outlined in this policy. You may withdraw your consent at any time, subject to legal or contractual restrictions, by contacting us.
4. Disclosure of Information We do not sell or rent personal information. We may share your information only in the following situations: With service providers or business partners who assist in delivering our services (e.g., insurance carriers, IT providers, email platforms) When required by law, regulation, or court order To protect our legal rights, safety, or property All third parties are required to safeguard your information and use it only for authorized purposes.
5. Data Retention and Security We retain personal information only as long as necessary for the purposes described above or as required by law. We use administrative, technical, and physical safeguards to protect your data from unauthorized access, alteration, or disclosure. However, please note that no method of transmission over the Internet is completely secure, and we cannot guarantee absolute security.
6. Cookies and Analytics Our website may use cookies and similar technologies to enhance your browsing experience, analyze website traffic, and improve performance. You can disable cookies through your browser settings, but some website features may not function properly as a result. We may also use third-party analytics tools such as Google Analytics to better understand website usage trends.
7. Links to Third-Party Websites Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites. We encourage you to review the privacy policies of any linked sites you visit.
8. Your Rights You have the right to: Access your personal information held by us Request corrections to inaccurate or incomplete information Withdraw consent for future communications Request deletion of your personal data (subject to legal limitations) To exercise any of these rights, please contact us as described below.
9. Contact Us If you have questions, requests, or concerns about this Privacy Policy or how we handle your information, please contact:
   Ross MacFarlane Insurance Services
   Email: info@rossfinancial.ca
   Website: www.rossfinancial.ca 
   Victoria, British Columbia, Canada
10. Updates to This Policy We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last updated” date. We encourage you to review this policy periodically.