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Legal Notice, Privacy & Terms

Last updated: June 21, 2026 · Website of Carlos D. Castillo, Financial Advisor (Calgary, Alberta, Canada)

1. Identification of the owner and advisor

This website is operated by Carlos D. Castillo, an independent Financial Advisor, with an office at Suite 100, 7851 Heritage Dr SE, Calgary, Alberta, T2H 2B8, Canada.

  • Phone: +1 (825) 488-6676
  • Service area: Alberta (AB), Ontario (ON), Saskatchewan (SK) and British Columbia (BC).
  • Languages: Spanish and English.

2. Regulatory and compensation disclosure

Carlos D. Castillo is a duly licensed insurance and investment fund advisor authorized to operate in the provinces indicated, under the supervision of the relevant regulatory councils and authorities in each province.

He operates as an independent advisor affiliated with and sponsored by Greatway Financial Inc. (MGA — Managing General Agent). Insurance and investment products are distributed through insurers and providers authorized in Canada.

Compensation and conflicts of interest

As is standard in the industry, the advisor may receive commissions and/or bonuses from the insurers and providers whose products he recommends or places. This information is disclosed transparently and, where applicable, detailed in writing before any product is purchased.

License numbers: [to be completed — indicate the advisor's license number(s) by province]. Clients can verify the license status with the insurance regulatory council of their province.

3. Disclaimer

The content of this site (articles, videos, calculators and downloadable materials) is for educational and informational purposes only and reflects general rules in effect in Canada at the time of publication. It does not constitute personalized financial, tax, accounting or legal advice, nor an offer or recommendation to purchase any product.

  • The calculator estimates (for example, compound interest, TFSA, RRSP, RESP) are illustrative, are based on the assumptions entered by the user and do not guarantee future returns or results.
  • Insurance and investment products are subject to the terms, conditions, exclusions and approval of the relevant insurer or provider.
  • Tax rules and registered account regulations (CRA) may change; always verify the current limits and rules.
  • Before making any decision, we recommend obtaining individual professional advice tailored to your situation.

Links and videos to official sources (for example, the Canada Revenue Agency or Greatway Financial) are included as educational reference; their content belongs to their respective owners.

4. Privacy policy (PIPEDA)

We handle your personal data in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial legislation.

What information we collect

When you complete a form on this site, we may collect: name, email, phone/WhatsApp number, topic of interest and the information you choose to include in your message.

What we use it for

  • Respond to your inquiry and arrange an informational session.
  • Send you the guide or material you requested.
  • Follow up on your interest in products or in the advisor career.

Consent, access and retention

  • We collect your data with your consent and limit it to what is necessary for the stated purposes.
  • We do not sell your personal information. It is only shared with insurers/providers when necessary to manage a product you request, or when required by law.
  • We apply reasonable security measures to protect your information.
  • You may request to access, correct or delete your data, or withdraw your consent, by writing to the contacts listed below.
  • We retain data only for as long as necessary for the described purposes or as required by regulation.
  • In the event of a security breach with a real risk of significant harm, notification will be made in accordance with PIPEDA.

5. Communications consent (CASL)

In accordance with Canada's Anti-Spam Legislation (CASL), by sending us your information through a form you authorize us to contact you by email, phone or WhatsApp regarding your inquiry and relevant information.

  • Every commercial message will include our identification and contact details.
  • You may unsubscribe or request to stop receiving messages at any time; requests are handled within 10 business days at the latest.

6. Cookies, Google Analytics, Meta Pixel, Google Tag Manager and third-party services

This site may use cookies or similar technologies for its operation and to integrate third-party content, such as YouTube (videos), TradingView (market data) and analytics tools.

Google Tag Manager (GTM)

This site uses Google Tag Manager, a tag management tool provided by Google LLC ("Google"). GTM lets us deploy and update analytics and marketing tags centrally without modifying the site code.

  • Purpose: centrally manage the Google Analytics, Meta Pixel and other tracking tags.
  • Consent: GTM only loads after the user accepts the use of cookies through the consent banner. The user can withdraw consent at any time.

For more information on how Google processes data, see: How Google uses information from sites or apps that use its services.

Google Analytics

This site uses Google Analytics, a web analytics service provided by Google LLC ("Google"). Google Analytics uses cookies to collect standard internet log information and details of visitor behavior anonymously.

  • Information collected: pages visited, time on site, traffic source (search, social media, direct), general geographic location (country/city), device type and browser.
  • We do NOT collect: names, emails, phone numbers, license numbers, or any other personally identifiable information (PII).
  • Purpose: understand how visitors use the site to improve the content and services offered.
  • Consent: Google Analytics is only activated after the user accepts the use of cookies through the consent banner. The user can withdraw consent at any time.

For more information on how Google processes Google Analytics data, see: How Google uses information from sites or apps that use its services.

To opt out of Google Analytics, you can install the browser opt-out add-on available at: Google Analytics Opt-out Browser Add-on.

Meta Pixel (Facebook/Instagram)

This site uses Meta Pixel, an analytics tool provided by Meta Platforms, Inc. ("Meta"). Meta Pixel lets us measure the effectiveness of our advertising campaigns on Facebook and Instagram.

  • Information collected: pages visited, actions taken on the site (button clicks, form submissions), device type and browser.
  • Purpose: measure the performance of advertising campaigns, understand which ads generate the most interest and optimize future campaigns.
  • Consent: Meta Pixel is only activated after the user accepts the use of cookies through the consent banner. The user can withdraw consent at any time.

For more information on how Meta processes data, see: Meta Privacy Policy.

Managing cookies

These third parties may set their own cookies in accordance with their policies. You can manage or block cookies from your browser settings. You can also change your cookie preferences at any time by clicking the "Cookie Settings" link in the footer of this site.

7. Terms of use

  • Use of this site implies acceptance of these terms and of the disclaimer.
  • The content, trademarks, logos and design of the site are protected by copyright and may not be reproduced without authorization.
  • The site may contain links to external pages; we are not responsible for the content or privacy practices of those sites.
  • To the maximum extent permitted by law, the owner shall not be liable for damages arising from the use or inability to use the information on this site.
  • These terms are governed by the laws of the Province of Alberta and of Canada, and any dispute shall be submitted to their competent courts.
  • We may update this notice at any time; the current version is the one published on this page with its update date.