Effective Date: July 2026

At Kayt Halliday | Family Protection Broker, your privacy is important to us. We are committed to protecting the personal information you share with us and handling it responsibly, transparently, and in accordance with applicable Canadian privacy laws.

Kaytlin Halliday is a Licensed Insurance Broker in Nova Scotia and Newfoundland & Labrador, independently contracted through Experior Financial Group Inc.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, complete forms, book appointments, or engage our services.

Information We Collect

We may collect personal information that you voluntarily provide, including:

Full name

Email address

Phone number

Province of residence

Insurance or financial goals

Information relating to your insurance needs

Any additional information you choose to provide

If you choose to proceed with insurance or financial planning services, additional personal and financial information may be collected as required to assess your needs, prepare recommendations, complete applications, and meet regulatory requirements.

How We Use Your Information

Your information may be used to:

Respond to inquiries

Schedule appointments

Provide insurance education and financial guidance

Assess your insurance and financial needs

Recommend appropriate insurance products or solutions

Complete insurance applications and related documentation

Communicate important updates regarding your services

Send appointment reminders

Maintain records required by insurance regulations

Comply with legal and regulatory obligations

We will never sell your personal information.

Consent to Communications

By submitting your information through our website or requesting our services, you consent to receiving communications from us regarding your inquiry or ongoing client relationship.

These communications may include:

Email

Telephone calls

SMS/Text messages

Appointment confirmations and reminders

Follow-up communications

Important account or policy updates

You may withdraw your consent to receive communications at any time, subject to legal or contractual obligations.

SMS Messaging Terms & Conditions

If you choose to opt into SMS communications, you agree to receive text messages related to your inquiry, appointments, insurance services, and client support.

Opt-In & Consent

By providing your mobile number and expressly consenting, you agree to receive SMS messages from Kayt Halliday | Family Protection Broker.

SMS messages are only sent after you have explicitly opted in.

We maintain records of your consent where required.

Your consent to receive SMS messages is not a condition of purchasing any product or service.

Message Frequency

Message frequency varies depending on your interactions with our office, including:

Appointment reminders

Follow-up communications

Requested customer support

Important updates regarding your insurance services

We do not send promotional or marketing text messages unless you have separately consented to receive them.

Opting Out

You may stop receiving text messages at any time by replying:

STOP

After opting out, you will receive one final confirmation message and will no longer receive SMS communications unless you opt in again.

For assistance, reply:

HELP

or contact us directly at:

Email: [email protected]

Phone: 902-801-3618

Message & Data Rates

Standard message and data rates may apply depending on your wireless provider.

Message frequency varies based on your appointment schedule and requested services.

Please contact your wireless carrier with questions regarding your messaging or data plan.

Carrier Liability

Wireless carriers are not responsible for delayed or undelivered messages.

Supported Carriers

Our SMS program is supported by most major Canadian and U.S. wireless carriers; however, message delivery cannot be guaranteed and may vary depending on your carrier and network availability.

Age Requirement

You must be at least 18 years of age, or have the consent of a parent or legal guardian, to opt into our SMS messaging program.

SMS Privacy & Data Protection

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

Cookies & Tracking Technologies

Our website uses cookies and similar technologies to improve your browsing experience and better understand how visitors use our website.

These technologies may be used to:

Analyze website traffic and visitor behavior

Remember your preferences and settings

Improve website functionality and user experience

Measure the effectiveness of our website, content, and services

Most web browsers automatically accept cookies; however, you may choose to modify your browser settings to decline or remove cookies. Please note that disabling cookies may affect the functionality of certain features of our website.

Privacy & Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, loss, misuse, alteration, or disclosure.

While we strive to protect your information, no method of electronic transmission or online storage can be guaranteed to be completely secure.

Third-Party Service Providers

Where necessary to provide our services, your information may be shared with:

Insurance carriers

Experior Financial Group Inc.

Compliance and regulatory organizations

Approved technology and service providers

Government or regulatory authorities where required by law

These organizations are expected to protect your personal information and only use it for authorized purposes.

No Obligation

Submitting a form, requesting information, downloading resources, or booking an appointment does not establish a client relationship and does not obligate you to purchase any insurance or financial product.

Recommendations are based on the information provided during consultation and remain subject to underwriting approval, carrier guidelines, and applicable regulations.

Your Privacy Rights

You have the right to:

Request access to your personal information

Request corrections to inaccurate information

Withdraw consent where legally permitted

Ask questions about how your information is collected, stored, or used

To exercise any of these rights, please contact us.

Contact Information

Kayt Halliday | Family Protection Broker

Licensed Insurance Broker (Nova Scotia & Newfoundland & Labrador)

Independently Contracted through Experior Financial Group Inc.

📞 Phone: 902-801-3618

📧 Email: [email protected]

🌐 Website: itskaythalliday.ca

This Privacy Policy may be updated from time to time to reflect changes in our practices, legal requirements, or technology. The most current version will always be available on this website.