Privacy Policy

Introduction

Welcome to GetCovered TM, an insurance broker app focused on providing the best services to Canadians.

The website www.apluswealth.com and www.getcovered.apluswealth.com (the “Sites”) is owned by AplusWealth Inc. which offers online insurance brokerage, comparison of insurance quotes, insurance recommendations, and other related services (the” Services). Your privacy is the utmost important factor for us. This Privacy Statement outlines our data processing practices in relation to you and your personal data, as well as the types of information that we may obtain when you visit our website, as well as our practice of using, preserving, storing, and disclosing information that you provide to us, including Personally Identifiable Information.

Take a moment to get acquainted with this Privacy Policy before you use our Services. You consent to this Privacy Policy by continuing to use the Website and to collect, use, reveal and store your personal information as outlined in this Privacy Policy.

We ask that you do not use our Services, or any information contained herein if you do not consent to this Privacy Policy or Terms of Service. This Privacy Policy may be updated at any time to reflect changes or legal requirements in our business operations. The date on which the most recent update was made is shown at the bottom of this text. After their initial posting, any updates will be effective 24 hours. We will be making urgent changes to satisfy legal requirements. If you find any modification unacceptable, you will cease to use this Site. Your continued use of the Site means your acceptance of any alterations.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions.

The following definitions shall have the same meaning regardless of whether they appear in singular or in the plural.

Definitions

For the purposes of this Privacy Policy:

• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
• Company (referred to as either “Apluswealth”, “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Apluswealth Inc,18 King St E #1400
• Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for the election of directors or other managing authority.
• Account means a unique account created for You to access our Service or parts of our Service.
• Website refers to www.apluswealth.com and “GetCovered”, accessible from Https://www.GetCovered.apluswealth.com
• Service refers to the Website.
• Country refers to: Ontario, Canada
• Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
• Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
• Personal Data is any information that relates to an identified or identifiable individual.
• Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally, identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address, State, Province, Postal code, City
• Usage Data
• Your Age
• Your Gender
• Smoking Status
• Your Income
• Your Financial Goal

Usage Data

Usage Data has collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service.

You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service.

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.

We use both session and persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies Type: Session Cookies Administered by Us Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
• Cookies Policy / Notice Acceptance Cookies Type: Persistent Cookies Administered by: Us Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
• Functionality Cookies Type: Persistent Cookies Administered by: Us Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies We use and your choices regarding cookies, please visit our Cookies Policy.

Use of Your Personal Data

GetCovered focuses on understanding the unique situations and needs of our client’s life, critical illness, and disability insurance. A critical part of this process is the gathering of information from this Site’s users. In general, you may not need to register or provide your Personally Identifiable Information to access much of the material on our Website. Nevertheless, we can invite you to view quotes or quote-related information, determine your insurance needs, complete an online application, or participate in a user survey or blog in certain parts of the Website and in some cases, when using our Services. You can reveal some Personally Identifiable Information when using these Services. We collect Personal Identifiable information, and the degree to which we use it, can vary depending on the Service that you are interested in or requesting.

For example, if you choose to get a preliminary quote using the insurance quotation tools on our website, you will need to provide us with demographic information such as your gender, date of birth, postal code, smoking status, mortgage/loan balance information. We’ll use this information to provide you with a sample quote. By providing additional Personal Identifiable Information such as your height, weight, tobacco use, certain medical and driving history, certain family medical history, alcohol and drug abuse history, you will have the option to proceed further, which will allow us to refine the preliminary quote suggested for you. We invite you to sign up for an account by providing additional Personal Identifiable Information such as your name, email address and telephone number allowing you to save, access, and retrieve quote information in the dashboard of your account. We use your phone and email details to contact you regarding the quote information you have requested and to try to answer any of our questions regarding your quote. Your email address lets you sign back to your account to display and recover the quotes you saved. Upon signing up, specifics of the insurance product and/or product comparison options and/or the details of the recommendation on insurance needs will be given to you. In cases where there are no product comparison choices, we invite you to contact us or our representatives to help with your unique needs.

When you want to apply for a policy, more details on our website may be needed, including marital status, physical address, other job and financial information, current possession of insurance and certain questions. We may also gather information from you during your subsequent use of our Website, or when we communicate with you by telephone, e-mail or other means. If you decide to proceed by asking us to submit an application to an insurance carrier on your behalf, our insurance advisors, insurance brokers working with us and/or insurance company representatives may also ask you for additional information on the insurer’s electronic applications or website or on their behalf. This is used to complete the application for insurance which you allow us to submit to the insurance carrier.

If you decide to use our Site for an insurance needs analysis (“Recommend the right product” or “add/replace my policy”), you may be asked to provide details such as, but not limited to, whether you rent or own a home, whether you have an investment property, whether you have a mortgage, your marital status, whether you have children and their details such as their date of birth, you and your household’s annual income total, and some specifics of your current insurance policy. It helps us recognize the risks and gaps in your coverage over different life stages and lifestyle choices and recommends the correct products and services you may need to protect yourself. You may also decide to use the calculators on our website to calculate paying off credit cards/debts, education costs, and retirement cash flow. All calculators are based on calculators found on www.getsmarteraboutmoney.ca.

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
• To manage Your Account:to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
• For the performance of a contract:the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
• To contact You:To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide Youwith news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
• To manage Your requests:To attend and manage Your requests to Us.

We may share your personal information in the following situations:

• With Service Providers (Insurance Companies): We may share Your personal information with service providers to obtain your policy. We only share the information required by the insurance company to obtain your insurance policy. Before sharing any information with the service provider, we will require the policy owner’s consent.
• For Business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company.
• With Affiliates: We may share Your information with Our affiliates, which will require those affiliates to honour this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or companies that We control or are under common control with Us.
• With Business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see You name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security. Any data and/ or information provided to our insurance and investment advisors will be confidential (“advisor-client confidentiality agreement”).

Children’s Privacy

In order to purchase a policy, the policy owner must be at least 18 years of age. The insured can be of any age. If you are a parent or guardian seeking the get insurance for your child that is younger than 16 years of age, simply utilize our recommendation system and option quotes and prices. Any data and/ or information provided to our insurance and investment advisors will be confidential (“advisor-client confidentiality agreement”).

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

• By email: contact@apluswealth.com
• By visiting this page on our website: https://www. apluswealth.com
• By phone number: 888-461-6120

October 2022