Privacy Policy

1. Mandate & Scope of Policy

Robwoh Unified Advisory Inc. (“the Firm,” “we,” “us,” or “robwohadvisory.com”) is an independent fiduciary advisory firm delivering strategic consulting across group employee benefits, executive continuity risk, retirement planning, disability security, education funds, and multi-generational estate wealth governance.

We are committed to maintaining uncompromising standards of data integrity, confidentiality, and institutional privacy. This Privacy Policy governs our collection, use, retention, and protection of personal, corporate, health, and financial data in full compliance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), applicable Ontario privacy statutes, and provincial insurance regulatory standards administered by the Financial Services Regulatory Authority of Ontario (FSRA).

This Policy applies to all data collected through strategic advisory consultations, forensic group benefits audits, executive risk assessments, underwriting submissions, policy administration, and interactions via robwohadvisory.com.

2. Information We Collect & Advisory Rationale

To deliver tailored strategic counsel, benchmark corporate group benefits against tier-1 Canadian underwriters, and structure robust wealth protection instruments, we collect information across four primary categories:

• Corporate Workforce Census & Payroll Records: To tender competitive group benefits requests for proposals (RFPs) and benchmark carrier pricing, we collect organizational data including corporate entity name, employee rosters, demographic age and gender distributions, salary brackets, employment classifications, dependent enrollment status, and prior carrier claims loss histories (including Target Loss Ratios and drug pooling experience).
• Executive Medical & Underwriting Information: When structuring key-person life insurance, shareholder buy-sell funding, critical illness protection, or high-limit disability security, we collect medical histories, paramedical examination results, attending physician statements (APS), and health disclosures required by Canadian life and health insurance underwriters.
• Corporate Wealth, Tax & Estate Coordinates: To insulate client balance sheets and synchronize corporate and personal wealth, we review shareholder agreements, corporate holding company structures, Articles of Incorporation, Capital Dividend Account (CDA) balances, estate valuations, and beneficiary designations.
• Direct Digital Inquiries & Consultation Briefs: When prospective clients submit inquiries through robwohadvisory.com, we collect contact information (legal name, corporate title, business email, direct telephone number, office location) and advisory brief parameters.

3. Purpose of Information Collection & Fiduciary Utilization

Robwoh Unified Advisory Inc. processes personal and corporate data exclusively to fulfill legitimate fiduciary advisory mandates:

• Conducting forensic audits of group employee benefits plans to identify billing errors, hidden administrative surcharges, and inflated carrier retention factors.
• Tendering competitive open-market RFPs across tier-1 Canadian life and health insurers to secure favorable rates and contractual terms.
• Structuring executive continuity strategies, partner buyout agreements, corporate debt covenants, and disability overhead expense shields.
• Overseeing group capital accumulation plans (Group RRSPs, DPSPs) and tax-efficient education fund (RESP) disbursement strategies.
• Advocating on behalf of plan sponsors and members during annual renewal rate negotiations and contentious claims evaluations.
• Satisfying statutory obligations under Canadian law, including provincial insurance market conduct standards, Anti-Money Laundering (AML) mandates, and FINTRAC compliance.

4. Institutional Underwriter & Third-Party Disclosures

We disclose sensitive data strictly on a need-to-know basis to authorized third parties required to execute client advisory mandates:

• Licensed Canadian Insurance Underwriters: Data is disclosed to tier-1 Canadian insurance carriers (such as Sun Life, Canada Life, Manulife, Desjardins, Empire Life, and RBC Insurance) for rate quotations, medical underwriting evaluations, and policy binding. Preliminary market benchmarking utilizes strictly anonymized workforce census data wherever practicable.
• Client-Appointed Professional Advisors: Upon client authorization, we coordinate with client-retained Chartered Professional Accountants (CPAs), tax specialists, and corporate legal counsel to execute synchronized corporate estate freezes, holding company reorganizations, or trust allocations.
• Regulatory & Legal Authorities: We disclose records only when compelled by valid legal process, judicial subpoena, or binding statutory order issued by Canadian provincial insurance regulators or courts of competent jurisdiction.

5. Data Security, Storage & Retention Architecture

We implement multi-layered physical, administrative, and technological defenses designed to protect confidential corporate and individual records:

• Cryptographic Safeguards: All electronic records, consultation briefings, and transmitted communications are secured using TLS 1.3 encryption in transit and AES-256 encryption at rest within secure Canadian cloud infrastructure.
• Strict Fiduciary Access Controls: Access to sensitive medical underwriting, executive compensation, and corporate census files is strictly limited to licensed advisory principals and authorized analysts bound by confidentiality agreements.
• Retention & Secure Disposal: Records are retained solely for the duration of the active advisory engagement and statutory retention periods mandated under Canadian insurance and tax legislation (typically seven years). Following statutory expiration, physical records are shredded and digital assets are cryptographically purged.

6. Client Sovereignty & Consent Governance

Under PIPEDA and Canadian privacy standards, clients and individuals maintain sovereign rights over their information:

• Right of Access & Verification: You have the right to request access to personal records held by the Firm and verify their accuracy and completeness.
• Right to Rectification: We will promptly update or correct any personal or corporate information identified as inaccurate or incomplete.
• Withdrawal of Consent: You may withdraw consent for data processing at any time, subject to legal or contractual constraints associated with active, in-force underwritten insurance policies.

7. Contact & Inquiries

For questions, verification requests, or information regarding our data stewardship practices, please contact us directly: