ASTERA WEALTH

Effective Date: September 28, 2026
Last Updated: September 28, 2026

ASTERA WEALTH (“ASTERA WEALTH,” “we,” “us,” or “our”) respects your privacy and is committed to protecting personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, protect and retain personal information when you visit our website, submit a form, request information, communicate with us, schedule an appointment, use our digital services or otherwise interact with ASTERA WEALTH.

1. Information We Collect

Depending on your interaction with us, we may collect information such as:

Contact information

• First and last name;

• Email address;

• Telephone/mobile number;

• Mailing address;

• Province, territory, state or country.

Financial and planning information

• Financial goals;

• Insurance needs;

• Retirement objectives;

• Income and employment information;

• General financial circumstances;

• Information necessary to evaluate or facilitate financial or insurance services.

Insurance-related information

Where necessary and with appropriate consent, we may collect information required for insurance-related services, which may include information contained in applications or supporting documentation.

Certain insurance information may be sensitive personal information. We will handle such information in accordance with applicable privacy laws and regulatory requirements.

Technical and website information

• IP address;

• Browser type;

• Device information;

• Operating system;

• Pages visited;

• Referring website;

• Date and time of visits;

• Website interaction information;

• Cookies and similar technologies.

Communication information

We may retain information contained in communications between you and ASTERA WEALTH, including emails, forms, appointment requests, SMS messages and other communications, where permitted or required by law.

2. How We Collect Information

We may collect information:

• Directly from you;

• Through website forms;

• Through appointment-booking systems;

• Through telephone or electronic communications;

• Through our CRM and marketing systems;

• Through cookies and analytics technologies;

• From insurance or financial-service providers where authorized;

• From professional or business partners where permitted; and

• From publicly available sources where lawful.

3. Why We Collect Personal Information

We may collect and use personal information to:

• Respond to your inquiries;

• Schedule appointments;

• Provide requested information;

• Understand your insurance or financial-planning needs;

• Prepare or facilitate applications;

• Provide insurance or financial services;

• Communicate with you about your account or requested services;

• Maintain client and prospect records;

• Administer our business;

• Improve our website and services;

• Monitor website performance;

• Prevent fraud or unauthorized activity;

• Meet legal and regulatory requirements;

• Maintain appropriate records;

• Provide customer support;

• Send requested educational or marketing communications where legally permitted; and

• Perform other purposes disclosed to you at or before collection or otherwise permitted by law.

4. Consent

Where required by applicable law, ASTERA WEALTH will obtain meaningful consent for the collection, use and disclosure of personal information.

Depending on the circumstances, consent may be express or implied where legally permitted.

You may withdraw consent subject to legal or contractual restrictions and reasonable notice.

Withdrawal of consent may affect our ability to provide certain services.

5. Marketing Communications

If you provide appropriate consent, ASTERA WEALTH may communicate with you by:

• Email;

• SMS/text message;

• Telephone;

• Direct messaging;

• Other electronic communication methods; or

• Other communication methods permitted by applicable law.

Commercial electronic communications will be handled in accordance with applicable anti-spam and electronic communications laws.

For Canadian recipients, commercial electronic messages may be subject to Canada's Anti-Spam Legislation (“CASL”), including requirements concerning consent, identification and unsubscribe mechanisms.

You may unsubscribe from marketing communications at any time using the unsubscribe mechanism provided in the communication or by contacting us.

Unsubscribing from marketing communications does not necessarily stop service-related, transactional, regulatory or other communications that we are legally permitted or required to send.

6. Cookies and Tracking Technologies

Our website may use cookies, pixels, tags, analytics tools and similar technologies.

These technologies may help us:

• Operate the website;

• Remember preferences;

• Understand website traffic;

• Measure advertising effectiveness;

• Improve website performance;

• Analyze user behaviour; and

• Support security and fraud prevention.

You may be able to control cookies through your browser settings or other tools made available through our website.

Disabling certain cookies may affect website functionality.

7. CRM and Technology Providers

ASTERA WEALTH may use third-party technology providers to operate its website, CRM, appointment scheduling, communications, analytics, hosting, payment, marketing and other business functions.

These providers may process personal information on our behalf where necessary to provide their services.

Examples may include CRM platforms, website-hosting providers, email providers, SMS providers, analytics providers, appointment-booking platforms and other technology vendors.

We seek to use appropriate contractual, organizational and technical safeguards when engaging service providers.

8. Disclosure of Personal Information

We may disclose personal information where appropriate and permitted by law to:

• Insurance companies;

• Financial institutions;

• Product providers;

• Managing general agencies or other distribution organizations;

• Professional advisors;

• Technology and service providers;

• CRM and communications providers;

• Regulatory authorities;

• Government agencies;

• Legal or accounting professionals;

• Fraud-prevention or security providers;

• Business partners where authorized; and

• Other parties where you have provided appropriate consent or disclosure is otherwise permitted or required by law.

We do not sell personal information merely because you submit an inquiry to ASTERA WEALTH.

9. Cross-Border Processing

Some service providers or business partners may store or process information outside your province, territory or country of residence.

Where personal information is processed outside Canada, it may be subject to the laws of the jurisdiction in which it is processed and may be accessible to courts, law enforcement or regulatory authorities in that jurisdiction.

We will take reasonable measures appropriate to the circumstances to protect personal information.

10. Security

ASTERA WEALTH takes reasonable administrative, technical and physical safeguards appropriate to the sensitivity of personal information.

Safeguards may include:

• Access controls;

• Authentication procedures;

• Restricted access;

• Secure systems;

• Encryption where appropriate;

• Monitoring;

• Employee and contractor confidentiality requirements;

• Secure disposal procedures; and

• Other reasonable security practices.

No electronic transmission or storage system can be guaranteed to be completely secure.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, to provide services, satisfy legal or regulatory obligations, resolve disputes, maintain appropriate business records or otherwise comply with applicable requirements.

Retention periods may vary depending on the nature of the information and applicable legal or regulatory obligations.

12. Access and Correction

Subject to applicable law, you may request access to personal information we hold about you and request correction of inaccurate or incomplete information.

We may require sufficient information to verify your identity before responding to a request.

13. Privacy Questions and Complaints

If you have a privacy question, concern or complaint, please contact our designated privacy contact:

ASTERA WEALTH Privacy Contact
[Privacy Officer Name/Title]
[Business Address]
[Privacy Email Address]
[Telephone Number]

We will investigate privacy concerns in accordance with applicable law and our internal procedures.

You may also have the right to contact the applicable privacy regulator or commissioner.

14. Children's Privacy

Our website is not intended to knowingly collect personal information from children where prohibited by applicable law.

If we become aware that we have collected personal information from a child in circumstances where such collection is not permitted, we will take reasonable steps to address the situation.

15. Third-Party Websites

Our website may contain links to third-party websites.

This Privacy Policy does not govern third-party websites.

You should review the privacy policies of those websites before providing personal information.

16. Changes to This Privacy Policy

ASTERA WEALTH may update this Privacy Policy from time to time.

Changes will be posted on this website with a revised “Last Updated” date.

17. Contact Us

For privacy questions, requests or concerns, contact:

ASTERA WEALTH

DEMELZA LARON

Email: [email protected]

Contact Number: +1(306)5398707

Website: demylaron.com