1. Introduction
This Privacy Policy explains how Ruban Kumarasamy collects, uses, protects, and discloses personal information submitted through KumaFinancial.ca.
Kuma Financial is used for general educational and informational purposes. Insurance-related services are provided by Ruban Kumarasamy in accordance with applicable Ontario licensing requirements. Investment products may be offered through a separately registered dealer, where permitted.
By using this website or submitting an appointment request, you acknowledge the practices described in this Privacy Policy.
2. Information We Collect
Information you provide
When you submit an appointment request, the website may collect:
- Your name
- Email address
- Telephone number
- Preferred contact method
- General topic you wish to discuss
- Preferred appointment date and time
- Your consent to be contacted regarding the appointment
Please do not submit sensitive information through the website, including:
- Social Insurance Numbers
- Dates of birth
- Income or banking information
- Medical or health information
- Policy or account numbers
- Passwords
- Copies of identification documents
If additional information is required, Ruban will explain how it should be provided through an appropriate channel.
Technical information
The website and its hosting provider may automatically process limited technical information, such as:
- Internet Protocol address
- Browser and device type
- Date and time of access
- Pages visited
- Referring website
- Security and error logs
This information may be used to operate, secure, maintain, and improve the website.
3. How We Use Personal Information
Personal information submitted through the appointment form is used to:
- Respond to your request
- Contact you using your preferred contact method
- Coordinate and confirm an appointment
- Understand the general subject you wish to discuss
- Maintain the security and proper operation of the website
- Meet applicable legal, regulatory, compliance, or recordkeeping obligations
Submitting an appointment request does not subscribe you to promotional or marketing communications.
If we wish to use your information for another purpose, we will obtain additional consent where required.
4. Consent
By submitting the appointment form and selecting the consent checkbox, you consent to Ruban Kumarasamy using the submitted information to contact you and coordinate your appointment request.
You may withdraw your consent, subject to applicable legal, regulatory, contractual, or recordkeeping requirements, by contacting Ruban at ruban@kumafinancial.ca.
Withdrawing consent may prevent us from responding to or completing your request.
5. Sharing of Information
Personal information is not sold or rented.
Information may be disclosed only when reasonably necessary to:
- Website-hosting, email-delivery, security, or technology service providers
- Appropriately licensed entities involved in providing a requested insurance or investment service, where applicable and permitted
- A separately registered dealer, where applicable and permitted
- Product providers or other parties involved in a requested service, with appropriate consent
- Government, regulatory, law-enforcement, or legal authorities where required or permitted by law
- Professional advisers assisting with legal, regulatory, security, or compliance matters
Service providers are expected to handle information only for the purposes for which it was provided and to apply appropriate safeguards.
Some service providers may process or store information outside Canada. When information is processed in another jurisdiction, it may be subject to the laws and lawful access requirements of that jurisdiction.
6. Retention
Personal information is retained only for as long as reasonably necessary to:
- Respond to and coordinate your appointment request
- Provide a service you request
- Meet legal, regulatory, compliance, dispute-resolution, or recordkeeping requirements
Information that is no longer required will be securely deleted, destroyed, or anonymized where reasonably practicable.
7. Safeguards
Reasonable administrative, technical, and physical safeguards are used to protect personal information against unauthorized access, use, disclosure, alteration, loss, or destruction.
However, no internet transmission, email system, or electronic storage method can be guaranteed to be completely secure. Please do not submit sensitive financial, medical, identification, policy, or account information through the website.
8. Cookies and Website Technologies
The website or its service providers may use cookies or similar technologies that are necessary for:
- Website functionality
- Security
- Form operation
- Performance and error monitoring
- Remembering basic website preferences
If analytics or advertising technologies are added in the future, this Privacy Policy and any required consent options will be updated accordingly.
You can control cookies through your browser settings, although disabling necessary cookies may affect website functionality.
9. Access and Correction
You may request access to the personal information held about you or ask that inaccurate information be corrected.
Before fulfilling a request, we may need to verify your identity. Access may be limited where permitted or required by law, including where disclosure would reveal another person’s personal information or confidential information.
10. External Links
This website may contain links to third-party websites. Those websites operate under their own privacy policies and practices. We are not responsible for the content, security, or privacy practices of third-party websites.
11. Children’s Privacy
This website and its appointment form are intended for adults. We do not knowingly request personal information directly from children through the website.
Parents or guardians seeking general information about education savings or insurance should submit requests using their own contact information.
12. Changes to This Policy
This Privacy Policy may be updated to reflect changes in website features, technology, service providers, legal requirements, or business practices.
The updated policy will be posted on this page with a revised “Last updated” date. Material changes will be communicated or presented for renewed consent where required.
13. Privacy Questions or Requests
For questions, access or correction requests, withdrawal of consent, or privacy concerns, contact:
Ruban Kumarasamy
Email: ruban@kumafinancial.ca
Please do not include sensitive financial, medical, identification, policy, or account information in an initial email.