Privacy Policy

Effective date: November 2026

This Privacy Policy describes how Michael Berntsen (The Wolfpack Team) collects, uses, discloses, and protects personal information. We handle personal information in a manner consistent with Alberta's Personal Information Protection Act (PIPA). Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) may also apply in some situations.

Questions about this policy or about your personal information can be sent to [email protected] or by calling (403) 651-9062. The person or office able to answer privacy questions can be reached at that email address.

Michael Berntsen is a licensed life and accident and sickness insurance agent in Alberta, British Columbia, Saskatchewan and Ontario.

Who we are and who receives your information

The Wolfpack Team is a Calgary, Alberta team led by Michael Berntsen that helps Alberta self-employed people and families review personal insurance and benefits options and book a call with one of our advisors. This site is intended for people in Canada, with a focus on Alberta.

If you submit the form, your information is collected by Michael Berntsen (The Wolfpack Team) so that one of our advisors can contact you and, if you opt in, so Michael Berntsen can send you text messages. Advisors working with Michael Berntsen may receive your information for that follow-up. Submitting the form does not, by itself, create a client relationship, and it is not insurance advice. No advice is given, and no coverage is in place, until a licensed advisor has reviewed your situation and any application has been completed, accepted, and put in force under its own terms.

Before or at the time we collect your information, we are notifying you that we intend to collect it for the purposes described in this policy.

Information we collect

We may collect the following personal information when you use this website or contact us:

Identity and contact details you provide, including first name, last name, phone number, and email address.
The content of your inquiry, appointment preferences, and any notes you or one of our advisors add while we follow up with you.
Your communication preferences, including whether you opted in to SMS messages from Michael Berntsen (The Wolfpack Team) about appointment reminders, follow-ups about your inquiry, and information about our services.
Records of texts, emails, or other messages we exchange with you, including opt-out requests.
Basic technical information that your browser may send, such as IP address, browser type, device type, and pages visited. We do not use this information to build a marketing profile of you.

We collect this information only when you provide it (for example, by submitting the form on this site) or when it is generated in the course of communicating with you. We do not require you to provide more information than we need to respond to your request.

How we use personal information

We use personal information to:

Respond to your inquiry and schedule a call with one of our advisors.
Send appointment reminders, follow-up messages about your inquiry, and information about our services when you have agreed to receive text messages from Michael Berntsen (The Wolfpack Team).
Keep records required for our business, professional, and legal obligations.
Improve and secure this website, and investigate suspected misuse.
Comply with law, a regulator, or a valid legal request.

We rely on your consent where it is required, and on other lawful purposes such as responding to a request you initiated or meeting a legal duty. You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawing consent does not affect the lawfulness of use that took place before the withdrawal. If you withdraw or change your consent, we will explain any consequences that are not obvious, and we will stop the collection, use, or disclosure that you have withdrawn, as required by applicable law.

Text messages and mobile numbers

If you opt in, Michael Berntsen (The Wolfpack Team) may send text messages to the mobile number you provide. These messages may include appointment reminders, follow-ups about your inquiry, and information about our services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, or HELP for help. Consent is not a condition of any purchase or service and may be withdrawn at any time.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

We do not sell personal information. SMS consent is specific to Michael Berntsen (The Wolfpack Team) and is not transferred or assigned to any other brand.

We may use service providers (for example, a communications or customer-relationship platform) to deliver messages on our behalf. Those providers may process your number and message content only to provide that service to us, and they are not permitted to use your mobile number or SMS opt-in consent for their own marketing or to sell that information.

To opt out of text messages, reply STOP to any message from us. You may also email [email protected] or call (403) 651-9062 and ask us to stop texting you. After we process an opt-out, we will stop inquiry and reminder texts to that number unless you later opt in again. We may send a single confirmation of your opt-out. Reply HELP for help, or email us at the address above. We aim to process an unsubscribe request without delay and no later than 10 business days after we receive it.

When we disclose information

We may disclose personal information:

To service providers who assist us with hosting, forms, messaging, scheduling, or record keeping, under contracts that limit their use of the information.
To an advisor working with Michael Berntsen so they can follow up on your inquiry.
If we are required to do so by law, a regulator, or a valid legal process, or to protect the rights, safety, or property of Michael Berntsen, our advisors, or others.
With your consent, or as otherwise permitted or required by applicable law.

We do not sell or pass your inquiry to other agents or businesses as a lead for their own marketing.

Retention

We keep personal information only as long as it is needed for the purposes described in this policy, or as long as the law requires. Inquiry, appointment, and consent records (including proof of SMS opt-in and opt-out) are typically kept for as long as you have a relationship with us and for a reasonable period afterward so we can meet professional, tax, and legal requirements. When information is no longer needed, we destroy or anonymize it in a secure manner.

Security

We use reasonable administrative, technical, and physical safeguards to protect personal information against loss, theft, and unauthorized access, use, or disclosure. No method of transmission or storage is completely secure, and we cannot promise that information will never be accessed in an unauthorized way. Please use a private device when submitting personal information and contact us promptly if you believe there has been a security incident involving your information.

Your choices and rights

Subject to applicable law, you may request access to personal information we hold about you, ask us to correct it, or ask us how it has been used or disclosed. You may also withdraw consent for optional communications, including SMS, as described above. To make a request, email [email protected] or call (403) 651-9062. We may need to verify your identity before we respond. If you are not satisfied with our response, you may have the right to contact the Office of the Information and Privacy Commissioner of Alberta, or the Office of the Privacy Commissioner of Canada where PIPEDA applies.

Cookies and this website

This website is a simple informational site. It does not use advertising cookies or third-party advertising networks. Your browser may store standard technical data in server logs when you visit. If we later add optional analytics, we will update this policy and, where required, provide a choice.

Children

This site is intended for adults who may want to speak with one of our advisors. We do not knowingly collect personal information from children.

Changes to this policy

We may update this Privacy Policy from time to time. The effective date at the top of this page will change when we do. The updated policy will apply to personal information we already hold, as well as information we collect after the change, except where applicable law requires otherwise.

Contact

For privacy questions, access or correction requests, or SMS help, contact Michael Berntsen (The Wolfpack Team) at [email protected], (403) 651-9062, or 186 Carringsby Way NW, Calgary, AB T3P 0P5.