Tchavdar Elenkov, BA Econ, CFP, CHS
Insurance and Financial Advisor
Confidentiality: During the course of our professional
relationship, it will be necessary for the client to provide a variety
of very personal financial and medical information. The quality of
the work undertaken on behalf of the client requires this personal
information to be accurate and complete.
I commit that all information will be held in strictest confidence and
that no information shall be divulged about the client's personal
situation to any outside organization or government agency
without the client's prior consent, unless as may be required by
law. It is further understood that in accordance with the Personal
Information Protection and Electronic Documents Act (PIPEDA),
the client directly authorizes and instructs me to maintain
information of a personal and private nature that could
reasonably be considered pertinent or necessary in the provision
of financial and insurance advice until such time as requested by
the client in writing to destroy such information.
Download and read the entire Disclosure and Privacy
Site content and use of the Site
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access and use this website, you must accept and agree to be
bound by and comply with these terms. If you do not agree to
these terms, then you must refrain from accessing or using the
site. All terms will apply irrespective of the specific use made by
Internet users of this site.
The information contained on the pages of this site is subject to
modification and update from time to time without notice. I do not
guarantee or ensure either the accuracy, completeness, currency
or authenticity of any site content, site functionality, or your
transmission of any site content from the site to you.
Other World Wide Web sites that may be accessed from this site
by hypertext links are entirely independent of the site. The
inclusion of any site acknowledgments, identification of any
person or entity in the site, or any hypertext link to another
person or entity shall not, in any manner, be construed as an
endorsement of such person's or entity's World Wide Web site,
products or services.
Other World Wide Web sites which may provide access to this site
by hypertext links are entirely independent of this site. Any
direction by a third party to this site shall not, in any manner be
construed as an endorsement by me of such party’s World Wide
Web site, products or services.
The site does not, and it is not intended to, provide any financial,
insurance, legal, accounting, or tax advice, and shall not be relied
upon by you in that regard.
You agree that your use of the site shall be on an "as is" basis
entirely at your risk. I shall not be liable or responsible to any
person for any harm, loss or damage that may arise in any
connection with your use of the site, including without limitation
any direct, indirect, special, third party, or consequential
damages. Without limiting the foregoing, I shall not be responsible
for any detrimental reliance that you may place upon the site or
its contents whatsoever.
The site shall not be used, or relied upon by you, as a substitute
for your independent research or professional advice that is
provided to you by me in direct consultation.
If you would like further information concerning site contents or
you wish permission to use, to reproduce, or to republish any site
contents, please click here.
You acknowledge and confirm that the Internet is not a secure
medium where privacy can be ensured, and that complete
security and confidentiality over the Internet is not possible at this
time. Your confidential use of the site cannot be guaranteed and
you acknowledge that your use of the site (including information
you transmit to the site) may be subject to access by, or
disclosure to, other persons. Without limiting any other disclaimer
herein, I shall not be responsible or liable for any harm that you or
any other person may suffer in connection with any such breach
of confidentiality or security.
Information provided by you through my site is used for business
purposes only in order to service your needs as a