Hilda Chukwu and Brenda Nkwocha operate lifenkin.com under the personal brand Life & Kin, the shared educational brand of Brenda Nkwocha and Hilda Chukwu. This policy explains how personal information is handled when you visit this website, request information, complete an assessment or contact us. It covers the website and related follow-up. An insurer’s application, policy and privacy notices may apply separately if you later apply for insurance.
Information we collect
Depending on the form you use, we collect your name, email address, telephone number, province, message and appointment preferences. Assessments may also ask about your household, dependants, age range, income, debts, savings, existing coverage, business arrangements and goals. These answers can reveal sensitive financial information.
Website forms are not the place to send medical records, identity documents, account passwords, payment details or a Social Insurance Number. Please avoid including these in a message. If further information is needed for a needs analysis or insurance application, we will explain the purpose and the appropriate way to provide it.
The website also records technical information, including IP addresses and information associated with form requests. Cookies, analytics tools and advertising technologies may collect information about your browser, device, pages visited and interactions with the website.
Why we use information
We use information to respond to your request, provide requested guides or assessment summaries, arrange appointments, understand the topics you wish to discuss and maintain records of our communications. We also use information to operate and protect the website, investigate problems and meet applicable legal obligations.
Assessment answers and generated results can be stored with your contact record in our website and customer relationship management systems. A website summary is educational. It does not establish your insurance needs, eligibility or suitability for a product.
We may send requested service communications, such as a reply or appointment information. Promotional communications require an appropriate consent or other lawful basis. Requesting a guide, submitting an assessment or reading this policy does not, by itself, give express permission for ongoing marketing.
Your choices and consent
We explain the purpose of information requests so you can decide whether to participate. Providing information for one purpose does not authorize every possible use. Where a new purpose requires your consent, we will seek it before proceeding.
You can contact us to withdraw consent or change your communication preferences, subject to legal or contractual restrictions. Withdrawing permission may mean we cannot complete a requested service that depends on that information. Marketing emails include an unsubscribe method. You can also contact us directly to ask us to stop promotional communications.
Service providers and disclosures
We use service providers for website hosting, form processing, appointment booking, contact management, email delivery, security and website measurement. Relevant providers may process information on our behalf. Website tools include WordPress, Fluent Forms, FluentCRM, FluentBooking and Elastic Email. Google analytics and advertising technologies, and Meta technologies, are also present on the website. Some contact notifications are configured through Telegram.
These services have different roles. Information entered in a form is not necessarily sent to every provider named here. We limit disclosures to the purpose for which information is needed. Providers or their infrastructure may be outside Canada, where information may be subject to foreign laws and lawful access requests.
If you ask us to proceed with an insurance application, relevant information may need to be shared with the insurer and authorized parties involved in arranging or administering coverage. We will explain that process and its disclosures separately. We may also disclose information when required or permitted by law, including to address fraud, security incidents or legal claims.
Cookies and website measurement
Cookies and similar technologies can support website functions and measure visits or advertising interactions. The presence of a technology on the website does not mean you have agreed to every use of it.
You can manage cookies through your browser and relevant provider settings. Blocking cookies may affect some website features. Browser settings do not necessarily stop every type of tracking. This policy is not a substitute for any consent that a particular collection or use requires.
Assessment and report links
Some report links contain a token that allows access to the associated report. Treat the whole link as confidential. Anyone who receives it may be able to view the information it opens. Avoid posting it publicly or forwarding it to someone you do not want to see your report.
The current report system can reuse a contact-based link. Later assessment submissions may update the information displayed through that link. We do not promise that these links expire automatically. Contact us if a link has been shared by mistake or you want to discuss access to your report.
Retention and security
Our general retention period for requested-service and advisory records is seven years after the last substantive service or the end of the relationship, where those records remain necessary for the identified purpose, recordkeeping or resolving a concern. We review website-only inquiries and assessment information and remove information sooner when it is no longer needed. A documented legal or contractual requirement may require a different period. You can ask about retention or request deletion. Records subject to a lawful retention requirement may need to be kept, and backup copies may not be removed immediately.
We use safeguards appropriate to the sensitivity of the information. No website, email service or storage system can guarantee complete security. Please tell us promptly if you suspect information or a report link has been exposed. We will assess the situation and take any steps required by applicable law.
Access, correction and privacy concerns
You can ask what personal information we hold about you, how it has been used or disclosed, and request access or correction. We may need to verify your identity before responding. Access and deletion can be subject to lawful exceptions. We will explain applicable limits and respond within the time required by law.
For privacy questions, access requests, corrections or complaints, email hello@lifenkin.com or call +1 437 375 4249. Please describe your request without attaching sensitive documents. If we cannot resolve your concern, you can contact the Office of the Privacy Commissioner of Canada.
Children and changes to this policy
This website is intended for adults. A parent or guardian may be asked general questions about dependants. Please do not submit a child’s medical information or identity documents through website forms. Contact us if you believe a child has provided information directly.
We may update this policy when our practices or legal requirements change. The version posted on this website describes the practices it covers. Where a change requires new consent, posting a revised policy alone will not replace that consent.
Mailing address: Hilda Chukwu and Brenda Nkwocha, Life & Kin, the shared educational brand of Brenda Nkwocha and Hilda Chukwu, 5045 Orbitor Drive, Mississauga.