Privacy & disclosures

Effective date: October 23, 2026. This page describes the educational and referral nature of this website and how general inquiries are handled.

Nature of services

Karma Financial is a financial education and professional referral platform focused on helping physicians, dentists, incorporated professionals, business owners and families better understand financial planning, insurance protection, wealth management, retirement and estate planning considerations.

Website content is general educational information, not individualized financial, investment, insurance, legal or tax advice. Nothing on this website is an offer to sell securities or insurance products.

Insurance services

Karma Financial does not itself provide insurance advice, sell insurance products or process insurance applications. Where appropriate, it may facilitate introductions to licensed insurance advisors through professional referral or partnership arrangements. Insurance recommendations, applications and transactions are handled by appropriately licensed advisors through their authorized firms, subject to applicable requirements.

Karma Financial is not an insurer, investment dealer or portfolio management firm. This description applies to activities conducted through Karma Financial; any separate professional activities of individuals remain subject to their own licensing and disclosure obligations.

Professional referrals and compensation

Karma Financial may introduce visitors to appropriately qualified wealth management professionals, licensed insurance advisors, accountants, lawyers and other specialists. Each receiving professional is responsible for their own advice and services. You may choose any professional and are not required to work with a referred firm.

Where permitted, Karma Financial may receive initial or ongoing referral compensation from participating firms. Compensation can create an incentive to recommend a participating firm rather than another option. Before a compensated referral proceeds, applicable written agreements, client-specific compensation details, conflicts disclosures and other required regulatory steps must be completed. A general notice on this website does not replace those disclosures.

No professional-client relationship

Viewing the website or submitting an inquiry does not itself establish an insurance, investment, legal, accounting or other regulated professional-client relationship. Any such relationship is formed separately with the qualified professional who agrees to provide the service.

Information we collect

If you submit a contact form, we collect the information you provide, such as your name, email address, optional phone number, profession and message. Technical information may also be processed by hosting, security and anti-spam services. Please do not send medical information, financial account numbers, identification documents or other sensitive details through this form.

How information is used

We use inquiry details to respond to your request, arrange an introductory conversation, assess the type of professional introduction requested, protect the website against abuse and maintain appropriate records. We do not treat a general inquiry as consent to unrelated promotional emails.

When information is shared

We do not automatically forward your inquiry to an external wealth management or insurance partner. Before sharing identifying contact or inquiry details with a prospective referral partner, we will explain the intended introduction and obtain appropriate consent. Information may also be processed by providers that support website hosting, form processing, email delivery and security, and may be disclosed where legally required.

Website service providers

The website currently uses GoDaddy Managed WordPress for hosting, Contact Form 7 for inquiries, WP Mail SMTP with Brevo for email delivery, and Google reCAPTCHA for spam protection. These providers may process technical or inquiry data in accordance with their respective terms and policies. Processing or storage may occur outside Canada; applicable foreign laws may then apply.

Security and retention

We aim to limit access to inquiry information to those who need it for legitimate purposes and to use appropriate security measures. No internet transmission or storage system can be guaranteed completely secure. Retention periods depend on legitimate business needs and applicable legal or regulatory obligations; information should be deleted or de-identified when it is no longer needed.

Your privacy choices

You may request information about personal information held in connection with your inquiry, ask for corrections or withdraw consent to optional uses, subject to applicable legal and recordkeeping requirements. You may also ask that a proposed referral not proceed.

Cookies and anti-spam tools

WordPress and embedded third-party services may use cookies or similar technologies for essential functionality, security and anti-spam purposes. Google reCAPTCHA is subject to Google's Privacy Policy and Terms of Service. If we introduce additional analytics or marketing technologies, we will update this notice as appropriate.

Privacy contact

For privacy questions, access requests or corrections, contact viren@karmafinancial.ca. Please do not send sensitive personal information in your initial email.

Policy updates

We may update this page when services, providers or legal requirements change. The effective date above will be revised when material changes are published.