A disciplined approach to preserving generational wealth.

Legacy Capital Life operates at the intersection of advanced tax strategy and estate planning.

Introduction
Legacy Capital Life Inc. (“we”, “us”, “our”) is committed to protecting your personal information. This policy explains how we collect, use, disclose, store and protect personal information in Canada (Ontario) in accordance with applicable laws, including PIPEDA.

Scope
Applies to personal information collected through our website, services, and SMS/text messaging programs. Does not cover employee records.

Information we collect

• Contact and identification information (name, address, email, phone).
• Financial information (bank account details, payment/card details, account history).
• Tax information (tax ID, tax filings, tax-related documents).
• Transactional and service-related information (products or services requested, claims or service history, preferences).
• Government-issued identifiers when required (e.g., SIN, driver's license).
• SMS metadata (phone number, opt-in/opt-out status, message timestamps).
• Any other information you provide voluntarily.

How we collect information

• Directly from you (forms, applications, phone, email, SMS).
• From authorized third parties and service providers as necessary and permitted by law.

Purposes of collection, use and disclosure

• To provide, administer and manage products and services you request.
• To verify identity, process payments, assess eligibility and risk.
• To communicate with you about accounts, services, and program updates.
• To investigate and resolve service matters, detect and prevent fraud, and meet legal or regulatory obligations.
• For marketing only with your consent; you may opt out.

SMS/Text Messaging — Required Disclosures

• Consent: By providing your phone number and opting in, you consent to receive SMS messages from Legacy Capital Life Inc.
• No third-party marketing sharing: Your phone number and SMS-related personal information will not be shared with third parties for their own marketing purposes without your separate consent.
• Message frequency: Message frequency may vary. Typical frequency: [e.g., up to X messages per month / up to Y messages per week / recurring messages]. Replace bracketed example with your program's actual frequency.
• Opt-out: You may reply STOP (or the word(s) specified in each message) to opt out of future SMS messages. After replying STOP you will receive a confirmation and no further marketing SMS will be sent unless you opt in again.
• Help: You may reply HELP for information about the SMS program or contact details.
• Rates: Message and data rates may apply. Carrier fees may be charged by your mobile provider.

Sharing and disclosure

• We may disclose personal information to service providers, claims adjusters, legal or regulatory bodies, and other parties as required to provide services or comply with law.
• Affiliates and service providers may receive information for internal business purposes under confidentiality obligations.
• In the event of a business sale, merger, financing or transfer, personal information may be transferred as part of that transaction.

International transfers
Some service providers or affiliates may process or store personal information outside Canada. We apply contractual and technical safeguards where required.

Consent and withdrawal
We collect, use and disclose personal information with your consent (express or implied as permitted by law). You may withdraw consent subject to legal and contractual restrictions; withdrawal may affect our ability to provide services.

Security and retention

• We use reasonable administrative, technical and physical safeguards to protect personal information against unauthorized access, disclosure, loss or misuse.
• We retain personal information only as long as necessary to fulfill identified purposes or to meet legal retention requirements.

Access, correction and complaints

• You may request access to or correction of your personal information. We will verify your identity before responding and will respond within a reasonable time.
• To request access/correction or to file a complaint, contact:
• Email: hello@legacycapitallife.com
• If unsatisfied, you may contact the Office of the Privacy Commissioner of Canada or the applicable provincial regulator.

Changes to this policy
We may update this policy from time to time. Material changes will be posted on our website. Continued use of services after changes constitutes acceptance.

Effective date
This policy is effective as of June 1, 2026