Privacy Policy

Family Financial Vault ("the Vault", "we", "us") is provided by Pankaj Bhatia, PFA, CHS, a licensed financial advisor and insurance broker based in Ontario and licensed in seven Canadian provinces. We respect your privacy and handle personal information in line with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Your vault information stays on your device

The information you enter in your vault (family members, legal documents, insurance, accounts, property, debts and notes) is encrypted in your browser with a password you create, using AES-256 encryption. It is stored only in your own browser's local storage, or in a backup file you choose to download. It is never sent to us or stored on our servers. We cannot see it, recover it, or reset your password.

2. What is shared when you unlock your full report

To unlock your full report, we ask for your name, phone number, email address and province, plus a short summary of your results: your completion percentage, marital status, number of children, the number and titles of the problems found, your estimated protection gap and estimated estate costs. We do not receive your detailed vault entries.

This information goes to the advisor whose link you used (shown at the top of the vault and in your report). If you came to the vault directly, it goes to Pankaj Bhatia. It is emailed to that advisor and kept in their private, secure advisor account so they can follow up with you. Other advisors cannot see it.

3. Why it is collected

Your advisor uses this information to respond to your request, answer questions about your report, and offer you a review. If you tick the optional consent box, your advisor may also send you occasional tips and updates. You can unsubscribe at any time. Your information is not sold or rented. Each advisor is responsible for how they use the information you share with them.

4. Service providers

The Family Financial Vault is operated by Pankaj Bhatia. Lead details are stored on our web host's secure servers and delivered to advisors by email. A backup form service (Web3Forms) may be used if our server is unavailable, and fonts are loaded from Google Fonts. These providers receive only what is needed to deliver their service. We also keep anonymous counts (for example, how many vaults were started) that contain no personal information.

5. How long we keep it

We keep your contact information and report summary for as long as needed to serve you or as required by our professional and regulatory obligations, and then delete it securely.

6. Your choices and rights

You can ask to see, correct or delete the personal information we hold about you, or withdraw your consent, at any time. You can delete your vault yourself at any time using Erase & start new, or by clearing your browser data.

7. Security tips

Choose a strong password you don't use elsewhere, keep your backup file somewhere safe, lock the vault on shared devices, and never enter your SIN, banking passwords, PINs or full account numbers.

8. Contact us

Pankaj Bhatia, PFA, CHS
205-5250 Solar Drive, Mississauga, ON L4W 0G4
Phone: 647-640-2222

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.