Bayat Financial Services Inc. (“Bayat Financial”, “we”, “us”, “our”) respects your privacy. This policy explains what personal information we collect, why we collect it, how we use and protect it, and the choices you have. It applies to our website, bayatfinancial.ca, and to the insurance, investment, and accounting & tax services we provide.Privacy Officer: Mohammadreza Bayatsarmadi, Founder & CEOUnit 263, Suite 200, 30 Via Renzo Drive, Richmond Hill, ON L4S 0B8, CanadaEmail: Info@BayatFinancial.ca — Phone: +1 (416) 722-45221. Information we collectContact information — your name, email address, phone number, and mailing address, for example when you contact us through this website, by email, or by phone.Service information — information you provide when you ask about, apply for, or receive our services. Depending on the service, this may include your date of birth, financial and employment information, documents you send us, and — only where required to prepare and file a tax return or complete a regulated application — your Social Insurance Number.Website information — standard technical data sent by your browser (such as pages visited and device type), and cookies as described in section 8.2. How we use your informationTo respond to your inquiries and communicate with you.To provide, administer, and renew the services you engage us for, including preparing applications, filings, and reports.To meet our legal, regulatory, and record-keeping obligations in Ontario, Quebec, and Canada (including tax-filing, licensing, and anti-fraud requirements).To operate, maintain, and improve our website and services.3. ConsentBy providing personal information to us, you consent to its collection, use, and disclosure as described in this policy. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice; withdrawing consent may affect our ability to provide services to you. If you provide information about another person, you confirm that you have their permission to do so.4. Sharing your informationWe do not sell your personal information. We share it only as needed to provide our services or as required by law, including with:Service providers who help us operate our business, such as our website host, email provider, and document-storage provider, who may only use your information to provide their services to us.Insurance companies, investment firms, regulators, and other partners involved in the services you request, as necessary to complete your application, policy, or transaction.Legal and professional advisers, auditors, and authorities, where disclosure is required or permitted by law, including to comply with a court order, respond to a lawful request, or protect our rights, property, or safety, or that of others.5. Use of Artificial Intelligence and Automated ToolsWe use trusted software and technology providers to operate our practice, including QuickBooks Online for our own bookkeeping and a managed connector provided by Meta that gives authorized personnel read-only access to our own company books through Muse, an AI assistant. Information accessed this way is used only to provide and administer our services, is never used to train AI models, and may be processed or stored outside Canada by our providers under confidentiality and security obligations. Automated tools do not make decisions about your affairs; all work is reviewed by our staff.6. How we protect your informationWe use reasonable administrative, technical, and physical safeguards to protect your personal information, including secure systems, access controls, and staff training. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.7. RetentionWe keep your personal information only as long as necessary for the purposes described in this policy, or as required by law. When it is no longer needed, we securely delete or anonymize it.8. CookiesOur website may use cookies or similar technologies to remember your preferences and analyze traffic. You can manage cookies through your browser settings; disabling cookies may affect how our website works.9. Your rightsUnder applicable privacy laws in Canada, including Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), Ontario’s Personal Health Information Protection Act (PHIPA) where applicable, and Quebec’s Act respecting the protection of personal information in the private sector (Law 25), you have the right to:Access your personal information and request a copy.Request correction of inaccurate or incomplete information.Request deletion or restriction of processing where permitted by law.Withdraw consent as described above.To exercise these rights, contact our Privacy Officer at the address above.10. Third-party linksOur website may link to third-party websites or services. We are not responsible for their privacy practices, and we encourage you to read their privacy policies.11. Changes to this policyWe may update this policy from time to time. Changes will be posted on this page, and the “Last updated” date will be revised. We encourage you to review this policy periodically.Last updated: November 1, 2026