Privacy policy

Last Updated: May 20, 2026

At SG Wealth Management ("we," "us," or "our"), we are committed to protecting the privacy and confidentiality of the personal information entrusted to us by our clients, prospective clients, and website visitors. This Privacy Policy outlines our practices regarding the collection, use, disclosure, and safeguarding of your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

By engaging our wealth management services, visiting our website, or otherwise interacting with us, you consent to the practices described in this Privacy Policy. We recognize the profound trust you place in us when sharing your financial and personal details, and we uphold the highest standards of discretion and security.

1. Information We Collect

To provide comprehensive and tailored financial advice, we must collect certain personal information. The nature and extent of the information we collect depend on the services you request and your relationship with us.

Personal Information

Personal information refers to any information about an identifiable individual. We may collect the following types of personal information:

• Identity Information: Name, date of birth, Social Insurance Number (SIN), driver's license, passport, or other government-issued identification required for regulatory compliance and account opening.
• Contact Information: Residential and mailing addresses, email addresses, and telephone numbers.
• Financial Information: Income, net worth, assets, liabilities, banking details, investment experience, risk tolerance, and financial goals. This is essential for retirement planning and estate planning.
• Family Information: Marital status, dependents, and beneficiaries, which are crucial for comprehensive insurance planning and wealth transfer strategies.
• Professional Information: Occupation, employer, and business ownership details, particularly relevant for our business owner and professional clients seeking corporate surplus strategies.

Non-Personal Information

When you visit our website, we may automatically collect non-personal information, such as your IP address, browser type, operating system, referring URLs, and browsing behavior on our site. This information is aggregated to help us improve our website and deliver a better user experience.

2. How We Use Your Information

We use your personal information solely for the purposes for which it was collected, or as otherwise permitted or required by law. These purposes include:

• Establishing and verifying your identity in compliance with Anti-Money Laundering (AML) and Know Your Client (KYC) regulations.
• Understanding your financial situation, objectives, and risk tolerance to provide suitable investment advice and wealth management strategies.
• Opening, administering, and maintaining your accounts.
• Executing transactions and providing ongoing service and support.
• Communicating with you regarding your portfolio, market updates, and relevant newsletters or case studies.
• Meeting legal, regulatory, and compliance requirements.
• Facilitating tax minimization strategies by coordinating with your external tax and legal advisors, subject to your explicit consent.

3. Consent

We obtain your consent to collect, use, and disclose your personal information. Consent may be express (e.g., signing an account application or consent form) or implied (e.g., voluntarily providing information for a specific purpose). You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. However, withdrawing consent may limit our ability to provide you with certain services or products.

4. Disclosure of Your Information

SG Wealth Management does not sell, rent, or trade your personal information to third parties. We may disclose your personal information only under the following circumstances:

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our business, such as custodians, clearing brokers, technology vendors, and administrative support. These providers are contractually obligated to protect your information and use it only for the services they provide to us.
• Professional Advisors: With your consent, we may share information with your accountants, lawyers, or other professionals to coordinate your comprehensive wealth plan.
• Legal and Regulatory Authorities: We may disclose information when required or permitted by law, such as responding to a subpoena, court order, or regulatory inquiry from bodies like the Canadian Investment Regulatory Organization (CIRO) or provincial securities commissions.

5. Security of Your Information

We employ robust physical, electronic, and procedural safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. Our security measures include secure office premises, restricted access to physical files, encrypted digital communications, firewalls, and secure servers. All employees and partners of SG Wealth Management are bound by strict confidentiality agreements and undergo regular privacy training.

6. Retention of Your Information

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal and regulatory record-keeping requirements. Once the information is no longer required, it is securely destroyed, erased, or anonymized.

7. Access to Your Information

You have the right to request access to the personal information we hold about you and to request corrections if the information is inaccurate or incomplete. To make a request, please contact our Privacy Officer using the details provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable laws.

8. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. A cookie is a small text file placed on your device. You can manage your cookie preferences through your browser settings; however, disabling cookies may affect the functionality of certain features on our website.

9. Third-Party Links

Our website may contain links to third-party websites, such as external videos or podcasts. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or industry standards. The revised policy will be posted on our website with the updated "Last Updated" date. We encourage you to review this policy regularly to stay informed about how we protect your privacy.

11. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or our handling of your personal information, please contact our Privacy Officer:

SG Wealth Management
Email: sim@sgwealth.ca
Phone: +1 (647) 889-7290

If you are not satisfied with our response to a privacy concern, you may have the right to file a complaint with the Office of the Privacy Commissioner of Canada.