Privacy Policy
Effective Date: July 12, 2026
MCO Financial (”MCO Financial”, “we”, “our”, or “us”) is committed to protecting your privacy and safeguarding the personal information you entrust to us.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit mco-financial.ca, communicate with us, or use our financial planning, insurance, investment, mortgage, and related financial services.
By using our website or providing us with your personal information, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.
Information We Collect
Depending on the products or services you request, we may collect personal information including:
Identity Information
- Full name
- Date of birth
- Government-issued identification
- Marital or family status
- Citizenship or residency status (where required)
Contact Information
- Residential and mailing address
- Telephone number
- Email address
Financial Information
To provide financial advice and recommend suitable products, we may collect:
- Employment information
- Occupation
- Employer information
- Income and expenses
- Banking information
- Assets and liabilities
- Existing insurance policies
- Investment holdings
- Retirement savings
- Mortgage information
- Credit history (where applicable)
- Property information
- Beneficiary information
- Estate planning information
Health Information
Certain insurance products, including life, disability, critical illness, and health insurance, may require health-related information such as:
- Medical history
- Lifestyle information
- Smoking status
- Medical questionnaires
- Information required during underwriting
Health information is collected only with your knowledge and consent and only where necessary for insurance underwriting.
Website Information
When you visit our website, we may automatically collect:
- IP address
- Browser type
- Device information
- Operating system
- Pages visited
- Date and time of your visit
- Referral source
- General geographic location
- Cookie and analytics information
This information is generally collected in aggregate form and is used to improve our website and services.
Financial Services We Provide
MCO Financial provides financial planning and wealth management solutions for individuals, families, and business owners.
Our services may include:
- Financial Planning
- Mortgage Financing
- Mortgage Refinancing
- Mortgage Renewals
- Life Insurance
- Term Life Insurance
- Permanent Life Insurance
- Disability Insurance
- Critical Illness Insurance
- Health & Dental Insurance
- Travel Insurance
- Segregated Funds
- Tax-Free Savings Accounts (TFSA)
- Registered Retirement Savings Plans (RRSP)
- Registered Retirement Income Funds (RRIF)
- Registered Education Savings Plans (RESP)
- Annuities
- Retirement Planning
- Estate Planning
- Wealth Planning
- Business Financial Solutions
- Other insurance and financial products that we are licensed to provide
Information collected will vary depending on the services you request.
How We Use Your Information
We use your personal information to:
- Verify your identity
- Understand your financial goals and objectives
- Assess your financial needs
- Recommend suitable financial products
- Prepare financial plans
- Process insurance applications
- Process investment applications
- Process mortgage applications
- Obtain financing from lenders where applicable
- Establish registered investment accounts
- Administer insurance and investment products
- Communicate with you
- Respond to inquiries
- Provide customer service
- Obtain credit reports where applicable and with your consent
- Prevent fraud
- Comply with anti-money laundering and identity verification requirements
- Meet legal and regulatory obligations
- Improve our services and website
- Maintain business records
- Send educational materials, newsletters, and promotional communications where permitted by law or with your consent
Applications for Financial Products and Services
When you apply for financial products or services through MCO Financial, you authorize us, with your consent where required, to collect, verify, and share information necessary to evaluate and process your application.
Depending on the products requested, information may be shared with:
- Insurance companies
- Mortgage lenders
- Banks
- Credit unions
- Investment fund companies
- Segregated fund providers
- Trust companies
- Financial institutions
- Portfolio managers
- Mortgage insurers
- Credit reporting agencies
- Appraisers
- Lawyers and notaries
- Medical professionals involved in underwriting
- Government agencies where legally required
- Regulatory authorities
- Technology service providers assisting with application processing
Information is shared only as necessary to provide the services you request or as required by law.
Credit Reports
For certain products, including mortgages and lending services, we may obtain one or more credit reports from recognized Canadian credit reporting agencies with your consent.
Credit reports may be used to:
- Verify your identity
- Assess eligibility
- Prevent fraud
- Meet lender requirements
You may withdraw your consent where permitted by law; however, doing so may prevent us from providing certain financial services.
Cookies and Website Technologies
Our website uses cookies and similar technologies to:
- Improve website performance
- Remember user preferences
- Understand visitor behaviour
- Measure website traffic
- Improve user experience
- Maintain website security
You may disable cookies through your browser settings. Some features of our website may not function properly if cookies are disabled.
Analytics
We may use third-party analytics services such as Google Analytics to better understand website traffic and improve our services.
Analytics providers may collect information including:
- Device information
- Browser information
- Pages viewed
- Session duration
- Referral sources
This information is generally aggregated and does not identify individual visitors.
Marketing Communications
With your consent or where permitted by law, we may send:
- Financial planning updates
- Insurance information
- Investment news
- Mortgage updates
- Educational resources
- Company announcements
- Promotional offers
You may unsubscribe from marketing communications at any time using the unsubscribe link included in our emails or by contacting us directly.
Disclosure of Personal Information
We do not sell your personal information.
We may disclose personal information where necessary to:
- Insurance companies
- Mortgage lenders
- Banks
- Credit unions
- Investment providers
- Trust companies
- Financial institutions
- Portfolio managers
- Credit reporting agencies
- Medical professionals involved in underwriting
- Professional advisors
- Lawyers
- Accountants
- Government authorities
- Regulatory bodies
- Technology and cloud service providers
- Payment processors
- Service providers assisting us in delivering our services
- Other organizations authorized by you or required by law
All third-party service providers are expected to maintain appropriate privacy and security standards.
Protecting Your Information
We use administrative, physical, and technical safeguards designed to protect your personal information against unauthorized access, disclosure, misuse, alteration, or loss.
These safeguards include:
- Secure computer systems
- Encryption where appropriate
- Restricted employee access
- Confidentiality obligations
- Secure document storage
- Regular security monitoring
Although we take reasonable precautions, no method of electronic transmission or storage is completely secure.
Retention of Personal Information
We retain personal information only as long as necessary to:
- Provide our services
- Meet contractual obligations
- Comply with legal and regulatory requirements
- Resolve disputes
- Enforce agreements
When information is no longer required, it is securely destroyed or permanently anonymized.
International Data Processing
Some of our technology service providers may store or process information outside Canada.
Where this occurs, your information may be subject to the laws of the jurisdiction where it is processed. We require our service providers to maintain appropriate privacy and security safeguards.
Your Privacy Rights
Subject to applicable Canadian privacy laws, you may request to:
- Access your personal information
- Correct inaccurate or incomplete information
- Update your personal information
- Withdraw consent where applicable
- Request information regarding how your personal information has been used or disclosed
We may request proof of identity before processing your request.
Children’s Privacy
Our website and services are intended for adults and are not directed toward children under the age of 16. We do not knowingly collect personal information from children.
Third-Party Websites
Our website may contain links to third-party websites for your convenience.
We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party websites you visit.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or business practices.
Any changes will be posted on this page along with the updated Effective Date.
Contact Us
If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
MCO Financial
Website: https://mco-financial.ca
Email: ched@mco-financial.ca
Phone: 604.375.3429
Mercedes C. Ortilla 