Last updated – 23 June 2025

1. Introduction

This Privacy Policy explains how Naomi Pedersen ("we," "us," "our") collects, uses, and safeguards your personal information when you visit naomipedersen.com, book a consultation, or subscribe to our email/SMS updates. We follow all World Financial Group Insurance Agency of Canada (WFGIAC) compliance manuals in addition to the practices described below.

2. Information We Collect

Contact Information – name, email, phone, mailing address

Collected via booking forms or community sign-ups; used to schedule sessions, send reminders, and grant community access.

Account Credentials – username & password (for our community area); used to secure your login.

Technical & Usage Data – IP address, device/browser details, and essential cookies; collected automatically to maintain security and basic analytics.

Preferences & Consents – email-marketing opt-in, SMS consent status, cookie settings.

Insurance-related Disclosures – any information you voluntarily provide during consultations (e.g., financial goals) in accordance with WFGIAC rules.

No payment or credit-card data is collected or stored on this site.

3. How We Use Information

• Confirm and remind you about appointments.
• Deliver educational emails or SMS messages (only with your express consent).
• Operate, secure, and improve the site and community portal.
• Comply with legal, insurance-regulatory, and audit obligations.

4. Cookies & Similar Technologies

We use essential cookies to maintain login sessions. A consent banner appears on your first visit. You may disable cookies in your browser; some parts of the site may then function improperly.

5. Sharing & Disclosure

• We do not sell, rent, or share personal information with third-party marketers.
• Data is shared only with trusted service providers (secure hosting, email/SMS platforms) bound by confidentiality.
• We may disclose information to regulators or authorities where required by law, or to WFGIAC for compliance review.
• Mobile information (SMS opt-in data) will not be shared with third parties for their marketing purposes.

6. SMS Program Terms

Purpose – appointment reminders & educational tips.

Opt-in – you subscribe via web form by providing your phone number.

Opt-out – reply STOP to cancel at any time (processed within 24 h and logged for ≥6 years).

Help – reply HELP for assistance or email [email protected].

Message frequency varies; maximum 4 msgs/week. Message & data rates may apply. Carriers are not liable for delayed or undelivered messages. No mobile information will be shared with or sold to third parties or affiliates for their marketing.

7. Email Marketing

Marketing emails are sent only with your explicit opt-in. Every message includes an Unsubscribe link processed immediately in accordance with CASL and CAN-SPAM.

8. Data Retention

We retain personal information until you request deletion or close your account, except where longer retention is necessary to meet insurance-regulatory record-keeping or tax requirements.

9. Security

Protections include HTTPS encryption, password hashing, and role-based access controls. No online transmission is 100% secure; we cannot guarantee absolute security.

10. Your Rights

You may request access to, correction of, or deletion of your data, and you may withdraw marketing consent at any time. Contact us using the details in Section 14.

11. International Transfers

Our servers may be located in Canada or the United States. By using the site you consent to cross-border data transfer as permitted by applicable law.

12. Children's Privacy

The site is not directed to children under 13, and we do not knowingly collect their personal information. Parents who believe we have inadvertently collected such data should contact us for deletion.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The new effective date will be posted at the top. Continued use of the site after changes are posted signifies acceptance.

14. Contact Us

Effective 20 June 2025 – Rev 2.1 (Last updated 23 June 2025)

1. Who We Are & Scope

Site Owner: Naomi Pedersen

Status: Independent insurance/financial-services agent licensed through World Financial Group Insurance Agency of Canada Inc. ("WFGIAC")

Site Offerings:

• Free educational content on personal finance and insurance
• Online calendar for booking no-cost consultations
• Private community forum and email/SMS updates

2. Relationship to WFG

Naomi operates under the contracts and compliance oversight of WFGIAC. All insurance or investment applications, premiums, and refunds are handled through WFG-approved carrier systems—never through this site.

3. No Fees, Payments, or E-Commerce

• Consultations promoted on this site are always free.
• The site does not accept payments, store card data, or display pricing.
• If you purchase a financial product, every monetary transaction occurs directly between you, WFGIAC, and the issuing carrier.

4. Scheduling & Cancellation

• Book appointments through the embedded calendar.
• Need to reschedule? Provide 24 hours' notice by email or text.
• No cancellation fee applies (sessions are free).

5. User Accounts & Community Standards

• You must be 18 years or older to create an account or post.
• Keep your login credentials confidential.
• Prohibited content: copyright infringement, unlawful material, private data about third parties, hate speech, or spam. We may remove content or suspend accounts at our discretion.

6. Intellectual Property

"World Financial Group," "WFG," and related marks are trademarks of Transamerica Corporation and are used under licence. All site materials remain our intellectual property. You receive a personal, non-transferable licence to read or download them for your own use only.

7. Disclaimer – No Professional Advice

All information shared through the site is educational and does not constitute legal, tax, or personalized investment advice. Consult your own qualified professional before acting on any information.

8. Results Not Guaranteed

Testimonials illustrate possible outcomes but do not guarantee identical results. Your outcomes depend on your own effort and circumstances.

9. SMS Program Terms (A2P 10DLC Compliance)

Program name – "Financial Freedom with Naomi Updates"

Purpose – appointment reminders, educational tips, and occasional promotions.

Opt-in – You subscribe via our web form by providing your phone number. By providing your number, you represent that you are the account holder or have permission to enroll.

Opt-out – Reply STOP to cancel at any time (you will receive a one-time confirmation message). Opt-out requests are processed within 24 hours and logged for ≥ 6 years.

Help – Reply HELP for assistance or email [email protected].

Message frequency varies; maximum 4 msgs/week. Message & data rates may apply. Carriers are not liable for delayed or undelivered messages. Mobile information (SMS opt-in data) will not be shared with or sold to third parties for their marketing purposes.

10. Limitation of Liability

To the fullest extent permitted by law, our total liability for any claim is limited to CAD $100 or the minimum allowable under law, whichever is greater. We are not liable for indirect, consequential, or special damages.

11. Termination

We may suspend or terminate your access at any time for breach of these Terms. You may close your account at any time.

12. Governing Law

These Terms are governed by the laws of British Columbia, Canada. Any dispute must be brought exclusively in the courts of British Columbia.

13. Changes

We may amend these Terms at any time. The revised date at the top will change when updates are published. Continued use of the site signifies acceptance of the revised Terms.

14. Contact