Privacy Policy

Privacy Summary

Overview of this Privacy Policy

This Privacy Policy explains how Ciccone/McKay Financial Group collects, uses, discloses, safeguards, and manages personal information in the course of providing financial planning, investment, insurance, retirement, estate, and employee benefits services.

Quick summary: This policy outlines what personal information may be collected, how it may be used and disclosed, how cookies and private AI-enabled tools may be used, and how individuals can request access, corrections, or further information.

Privacy Policy – Ciccone/McKay Financial Group
Last updated: March 25, 2026

General Principles

Ciccone Insurance and Financial Services Ltd., The Immix Group Employee Benefits Ltd., and BeQuest Wealth and Multi-Family Office Service Inc. (collectively, “Ciccone/McKay Financial Group”, “we”, “us”, or “our”) are committed to protecting your personal information. The term “personal information” refers to any information about an identifiable individual, such as your name, address, financial information, and more. This Privacy Policy (the "Policy") sets out the manner in which Ciccone/McKay Financial Group collects, uses, discloses and otherwise manages your personal information in the course of providing our services, including intergenerational financial planning, investment portfolio management, retirement, business succession, tax and estate planning, risk management, and employee benefits services (collectively, the “Services”).

Please note that Ciccone/McKay Financial Group may, in its sole discretion, modify this Policy at any time. The revised Policy shall be posted on the Ciccone/McKay Financial Group website located at www.Ciccone-McKay.com, www.immixgroup.ca, and every other Ciccone/McKay Financial Group website (individually and collectively, the "Website"). You should review the Policy on a regular basis for any such changes.

Information We Collect and How We Use It

In addition to the purposes identified to you before or at the time of collection, the personal information we collect is used for the following purposes, as applicable:

• Website - Ciccone/McKay Financial Group may collect certain information about you when you register to become a member of the Website. In addition, Ciccone/McKay Financial Group keeps a record of the email addresses of those who communicate with us via our online Feedback tool. Ciccone/McKay Financial Group also collects both aggregate and user-specific information on what web pages consumers access or visit, and information volunteered by consumers, such as survey information and contest application information, as is further described below.

 

• Client Onboarding – Ciccone/McKay Financial Group may collect certain personal information from you when you become a client or make use of our Services. Depending on the type of Service we are providing you with, this information may include your first and last name, home and mailing address, email address, date of birth, social insurance number, identification, e-signature, gender, and beneficiary information (if applicable).

 

• Purchases - Ciccone/McKay Financial Group may also collect information about you when you purchase products from us by telephone, mail, fax or on-line, such as those relating to insurance, investment, investment referrals, and/or deposits of any kind. The information collected may include your first and last name, home address, company name, telephone number, fax number, email address and credit card information.

 

• Financial Planning – If you take advantage of Ciccone/McKay Financial Group’s financial planning services, we may collect certain personal information related to your financial background in order to understand your financial needs and tailor our Services. This information may include your net worth, investment-related information, insurance information, tax and trust information, and wills and estate planning information.

 

• Complaints/Requests - Ciccone/McKay Financial Group may collect information about you if you contact Ciccone/McKay Financial Group with a consumer complaint or request. The information collected may include your first and last name, address, telephone number, email address, date of birth and any facts regarding the complaint or request.

 

• Marketing Research - Ciccone/McKay Financial Group may collect information about you if you participate in any Ciccone/McKay Financial Group marketing research. The information collected may include your first and last name, address, telephone number, email address, gender, and facts regarding your consumer habits and preferences.

 

• Contests and Promotions - Ciccone/McKay Financial Group may collect information about you if you participate in any Ciccone/McKay Financial Group contest or promotion. The information collected may include your first and last name, address, telephone number, email address, date of birth, and facts relevant to the contest or promotion participation.

 

In addition, we collect certain personal information from you when providing some of our Services or facilitating the provision of certain services on behalf of third-parties, such as pension/retirement plans, insurance, investment management and employee benefits. For example:

• If you set up an individual pension plan or a retirement compensation agreement with one of our corporate clients, we will collect your first and last name, email, phone and home address, social insurance number, date of birth, T4 income details (past and present), RRSP information, IPP investment information.

 

• If you decide to obtain insurance services or products, we will collect your first and last name, email, phone and home address, income information, net worth, and health, medical and lifestyle details in order to assist you in obtaining such insurance services or products through a third-party insurer.

 

• If you require investment management services, we may collect or access certain information from your investment management service provider including your first and last name, email, phone, and home address, date of birth, social insurance number, portfolio statements, income information and net worth in order to better assist you with your financial planning needs.

 

• In connection with The Immix Group Employee Benefits Ltd.’s employee benefits services, we may collect your first and last name, date of birth, home address, dependent information, occupation, salary (in some cases), email address, and phone number in order to administer such services on behalf of our clients.

Use of Cookies

Ciccone/McKay Financial Group uses cookies and other commonly used technologies to collect automated information when you visit our Website. Cookies are simple text files containing unique identifiers that web browsers place on computer hard drives when websites are visited. Ciccone/McKay Financial Group uses cookies to help us measure the number of visits, average time spent, page views and other statistics relating to use of our Website. They also allow our Website to remember information about your visit, which can make it easier to visit the Website again and make the Website more useful to you. This information may include, for example, your username, operating system, IP address, language settings.

You may opt-out of cookies by disabling cookies in your web browser’s settings. Here are instructions for the most common browsers:

• Google Chrome
• Internet Explorer
• Microsoft Edge
• Mozilla Firefox
• Safari (Desktop)
• Safari (Mobile)
• Android Browser

While we do not require you to enable cookies, please note that disabling cookies on your browser may reduce your ability to take advantage of all features of the Website.

We may use third parties, including Google Analytics, to help us gather and analyze information about the areas visited on the Website in order to better understand, evaluate and improve the user experience and the convenience of the Website. To opt out of Google Analytics Advertising Features please use Google Ad Settings. To opt out of Google Analytics entirely please use this link.

Sharing and Disclosure of Personal Information

Except as set out below, Ciccone/McKay Financial Group will not sell, transfer or disclose any of your personal information to any third party without your consent.

• Corporate Service Providers: As part of providing our Services, Ciccone/McKay Financial Group shares certain personal information it collects with third-parties such as insurance companies, investment management service providers, actuarial firms, law firms, accounting firms, and other professional advisors for the purposes of facilitating the provision of any services such entities may provide to you.

 

• Service Providers: We may transfer your personal information to our Canadian third-party service providers who provide various services on our behalf such as financial planning support, identity verification, information technology support, administration, printing, marketing and advertising, hosting, data analysis, legal and accounting.

 

• Business Transactions: If we enter into a business transaction involving personal information or are considering one, we may share personal information securely with the other parties to the transaction, for example, as part of due diligence or when we complete the transaction. Accordingly, we may transfer information we have about you in connection with a prospective or completed merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of Ciccone/McKay or as part of financing, a corporate reorganization or stock sale or other change in corporate control, including for the purpose of determining whether to proceed or continue with such transaction or business relationship.

 

• Legal: We and our third-party service providers may provide your personal information in response to a search warrant or other legally valid inquiry or order, or to another organization for the purposes of investigating a breach of an agreement or contravention of law. This may include lawful access requests by Canadian, US, or other foreign courts, law enforcement, or governmental authorities for the purposes of detecting, suppressing or preventing fraud, or as otherwise required or permitted by applicable Canadian, US, or other law. We may also disclose personal information where necessary for the establishment, exercise or defence of legal claims and to investigate or prevent actual or suspect loss or harm to persons or property.

 

• Contests/Promotions: Ciccone/McKay Financial Group may also disclose your personal information to third parties who administer contests, promotions and other online activities on its behalf.

Safeguarding and Retention of Personal Information

We have personal information retention processes designed to retain personal information of our clients and prospective clients for no longer than necessary for the purposes set out in this Privacy Policy or to otherwise meet legal requirements.

Ciccone/McKay Financial Group understands the importance of protecting your personal information and uses the latest Internet security protocols to protect personal information collected through the Website. However, you should be aware that the Internet is not a secured medium. Therefore, Ciccone/McKay Financial Group does not represent or warrant the complete security of the personal information provided by you to Ciccone/McKay Financial Group through the Website. You understand that you are providing such information to Ciccone/McKay Financial Group at your own risk.

Marketing Communications

From time to time, we may send you email, SMS text messages and other communications about our products, services, or events that may be of interest to you. You can opt-out of receiving marketing and promotional email from us by following the unsubscribe instructions contained in each of our email communications. Please note that you will continue to receive email regarding your account and transactions with us. Alternatively, you can unsubscribe from any of our marketing communications by contacting us: info@ciccone-mckay.com or info@immixgroup.ca.

Third-Party Links

Our Website may contain links to websites owned and operated by third-parties. These other websites may have their own privacy policies and terms and conditions that are not governed by this Policy. We are not responsible for the privacy practices or the content of any such websites owned and operated by third parties. We encourage you to carefully read and review the privacy policy for each website you visit. Any links from our Website to other websites or references to products, services or publications other than those of Ciccone/McKay Financial Group do not imply the endorsement or approval of such websites, products, services or publications by Ciccone/McKay Group.

Use of Technology

We, like other organizations, use technology in the course of providing our Services to increase efficiency and provide value. Our technology environment includes tools and applications that leverage artificial intelligence and/or Gen AI (including, without limitation productivity platforms and applications, document management systems, internal search capabilities, document discovery, review and summarization tools, research applications, and other purpose built tools for the financial industry). The tools and applications we use may change from time to time without further notice to you. We will only use these technologies if we are able to comply with our professional obligations including our duty of confidentiality to you. These tools are private Gen AI applications and do not process or train on your confidential information beyond what is necessary for internal operations and are subject to our standard security and privacy safeguards in effect from time to time.

Access and Correction of Personal Information

Individuals have the right to access, update, and correct personal information under our custody and control, subject to certain exceptions prescribed by law. You may update certain profile information you have provided to us by logging in to your Sync or SideDrawer account on our Website. Otherwise, if you wish to request access, updating and corrections of inaccuracies in personal information in our possession or control, you may send a written request to this effect to us at info@ciccone-mckay.com. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Changes to this Privacy Policy

If we change our privacy practices, we will update this privacy policy. If any changes are significant, we will let you know.

Need help?

Questions about your personal information?

If you would like to request access to your personal information, ask a question about this policy, or raise a privacy concern, please contact our privacy team.

info@ciccone-mckay.com info@immixgroup.ca

Contact

If you would like to make a request, a complaint or ask a question about how we process your personal information, please contact our privacy team at info@ciccone-mckay.com and info@immixgroup.ca.