We retain personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected and to meet applicable legal, regulatory, professional and record-keeping obligations. Retention periods vary according to the nature of the information and the reason it is held. When personal information is no longer required, it is securely destroyed or anonymized in accordance with applicable law and our retention practices.

1. Cookies and analytics

Non-essential cookies and similar technologies are used only where permitted and, where required, after consent has been obtained through the website’s cookie-consent tool. Visitors may accept, refuse or modify non-essential cookie preferences through that tool. Disabling certain cookies may affect some website functions.

• Name
• Email address
• Phone number
• Information submitted through contact forms or chatbot conversations
• Browser and device information
• Website usage information and analytics
• Cookies and related technologies

We only collect information that is necessary to provide our services, respond to inquiries, and improve the user experience.

2. How We Use Your Information

Your information may be used to:

• Respond to inquiries and requests
• Provide insurance and financial service information
• Schedule consultations and follow-ups
• Improve our website and customer experience
• Analyze website traffic and chatbot performance
• Maintain internal business records
• Meet legal and regulatory obligations

3. Chatbot and CRM Services

A.C.H Essentials uses third-party communication and customer relationship management tools, including chatbot and live chat services, to assist visitors and manage inquiries. Information submitted through the chatbot or contact forms may be securely stored and used for customer support, follow-up communications, and business operations. Please do not submit sensitive personal information such as:

• Social Insurance Numbers (SIN)
• Banking credentials
• Credit card numbers
• Health records
• Passwords

through the chatbot or website forms.

4. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

• Improve website functionality
• Remember visitor preferences
• Analyze website traffic and performance
• Enhance user experience

Visitors may manage cookie preferences through their browser settings or cookie consent tools provided on the website.

5. Information Sharing

We do not sell or rent personal information. Information may be shared only when necessary with:

• Licensed advisors or service providers assisting with your inquiry
• Technology providers supporting our website, CRM, chatbot, analytics, or hosting services
• Regulatory or legal authorities when required by law

All reasonable efforts are made to protect your information.

6. Data Security

We take reasonable administrative, technical, and organizational measures to help protect personal information against unauthorized access, misuse, disclosure, or loss. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Third-Party Services

Our website may integrate with third-party services, including:

• Zoho SalesIQ
• Website analytics tools
• Social media platforms
• Hosting and security providers

These third-party services may collect information in accordance with their own privacy policies.

8. Your Rights

Depending on your location and applicable laws, you may have the right to:

• Request access to your personal information
• Request corrections to your information
• Withdraw consent where applicable
• Request deletion of your information, subject to legal or regulatory obligations

To make a request, please contact us using the information below.

9. Children’s Privacy

Our services are intended for adults and are not directed toward children under the age of 13.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised effective date.

11. Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact: A.C.H Essentials Montreal, Quebec, Canada Email: achessentials@gmail.com