Privacy Policy

1. Introduction

BrokerLedger ("we," "us," or "our") is committed to protecting the privacy of individuals who interact with our website at brokerledger.ca and who use our insurance brokerage bookkeeping and accounting services. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws (including, where relevant, Quebec's Act respecting the protection of personal information in the private sector).

By using our website or engaging our services, you consent to the collection, use, and disclosure of your personal information as described in this policy.

2. Information We Collect

We may collect the following types of personal information:

• Contact information: Your name, email address, and phone number when you submit our contact form or book a discovery call.
• Brokerage information: Your brokerage's name, premium volume band, number of producers, and current broker management system when you inquire about our services.
• Service-related information: Financial records, bookkeeping data, premium trust and commission information, and brokerage information you provide when you engage us as a client. This information is collected and used solely for the purpose of providing accounting, bookkeeping, and advisory services to your brokerage.
• Usage data: Aggregated website analytics data including pages visited, time on page, and browser type, collected via Google Analytics. This data may include online identifiers such as IP addresses, which under Canadian privacy guidance can constitute personal information.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to your inquiries submitted via our contact form or discovery call booking.
• To provide bookkeeping, accounting, premium trust and carrier reconciliation, year-end working-paper preparation, payroll, GST/HST filing, and advisory services to client brokerages who engage us.
• To communicate with you about your account, services, or relevant updates.
• To improve our website and service offerings using aggregated analytics data.
• To comply with our legal obligations under Canadian tax law and applicable regulations.

We collect only the personal information necessary for these stated purposes. We will not use your personal information for any purpose other than those identified above without your prior consent.

4. We Do Not Sell Your Personal Information

We do not sell, rent, trade, or otherwise transfer your personal information to third parties for commercial purposes. Your information is used solely to provide you with the services you have requested or to respond to your inquiries.

5. Third-Party Service Providers

We use the following third-party services in the operation of our website and business. Each service has its own privacy policy that governs their handling of any data they receive:

• Netlify — Our website is hosted on Netlify, which also processes contact form submissions. Netlify stores form data on its servers. Netlify's privacy policy is available at netlify.com/privacy.
• Google Analytics — We use Google Analytics to collect aggregated usage data about how visitors interact with our website. Google Analytics uses cookies and may collect online identifiers such as IP addresses, which under Canadian privacy guidance can constitute personal information. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on. Google's privacy policy is available at policies.google.com/privacy.

We only share your personal information with these providers to the extent necessary to operate our website and deliver our services. We do not authorize these providers to use your personal information for any other purpose.

6. Cookies

Our website uses cookies primarily through Google Analytics to collect aggregated usage data. Cookies are small text files stored on your device. You can control cookies through your browser settings. Disabling cookies will not affect your ability to use our website, but may limit some analytics functionality. We do not use advertising cookies or sell cookie data to third parties.

7. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law. Contact form inquiries that do not result in an engagement are retained for no longer than twelve months.

8. Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. Client financial data is handled using encrypted channels and access-controlled systems. No method of transmission over the internet is 100% secure, and we cannot guarantee absolute security — but we take our data security obligations seriously.

9. Your Rights

Under PIPEDA, you have the right to:

• Access the personal information we hold about you.
• Request that we correct any inaccurate personal information.
• Withdraw your consent to our use of your personal information (subject to legal or contractual restrictions).
• Ask questions about our privacy practices.

To exercise any of these rights, please contact us at the address below.

10. Contact for Privacy Concerns

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us:

We will respond to all privacy inquiries within 30 days. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this policy periodically. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.