Policies.

Privacy Policy

Your Privacy Matters

At Eric Guenette – Your Finance Guy, we respect your privacy and are committed to protecting your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws.

Information We Collect

We may collect personal and financial information including:

• Full name, contact details, date of birth, and SIN

• Employment, income, and asset information

• Credit reports and other financial documentation necessary to provide mortgage, insurance, or investment advice

Purpose of Collection

Your information is collected and used for the following purposes:

• To assess your financial needs and provide appropriate mortgage, insurance, and investment solutions

• To meet legal and regulatory requirements

• To communicate with you and manage your file

• To facilitate applications with third-party financial institutions and service providers

How Your Information is Protected

We use physical, electronic, and procedural safeguards to protect your information from unauthorized access or disclosure. Your information will only be shared with authorized partners, insurers, lenders, and regulatory bodies when required and with your consent.

Your Rights

You may request access to your personal information or ask for corrections at any time. You may also withdraw consent for its continued use, subject to legal and contractual obligations. Please contact us directly or refer to Carte Financial’s Chief Privacy Officer if your concern involves investment or insurance matters.

​

Conflict of Interest Statement

Transparency and Trust

Eric Guenette is a licensed financial professional affiliated with:

• Today’s Mortgage Choice for mortgage-related services

• Blue Harbour Financial for insurance advice

• Carte Wealth Management Inc. and Carte Risk Management Inc. for investment and insurance planning

In the course of offering these services, Eric may receive compensation such as commissions or referral fees from product providers. These relationships may create a potential conflict of interest.

To manage this:

• All product recommendations are made with your best interest as the top priority

• Any potential conflicts are clearly disclosed

• You are given full information on fees, commissions, and compensation prior to making decisions

Eric is committed to unbiased, client-first service across all financial matters.

​

Business Activity Disclosure

Fully Licensed and Regulated Financial Services

Eric Guenette is licensed to provide financial services in Ontario and works under the oversight of several regulated entities:

Mortgage Services

Eric is a Mortgage Agent Level 1, licensed under Today’s Mortgage Choice (FSRA License #13147). He is authorized to broker residential and commercial mortgages in Ontario and across Canada.

Insurance and Investment Services

Eric is a licensed life insurance and investment advisor with:

• Blue Harbour Financial, offering life, disability, critical illness, long-term care, and travel insurance

• Carte Wealth Management Inc. and Carte Risk Management Inc., offering a full range of investment and insurance solutions, including RRSPs, TFSAs, RESPs, FHSAs, non-registered accounts, and managed portfolios

Code of Conduct

Eric follows all regulatory requirements established by:

• The Financial Services Regulatory Authority of Ontario (FSRA)

• Mutual Fund Dealers Association (MFDA)

• Insurance Councils and SROs where applicable

He is committed to:

• Full disclosure of all compensation and potential conflicts

• Clear communication of product terms and associated risks

• Serving your financial goals with honesty, integrity, and trust

​

For more information, please visit the:

1. Carte Financial Privacy Policy

2. Dual Occupation Disclosure

3. Client Complaint Information Form

4. Conflict of Interest Policy