Privacy policy



Welcome to our website. Please read the terms and conditions carefully.


You may only obtain the extended coverage outlined on this site in jurisdictions where it is allowed by law.


The insurance products and information we present here may not be available nationwide or to citizens of countries outside of Canada.


Privacy and Security


Because privacy, confidentiality and security cannot be guaranteed over the Internet, Rick Machtinger will not be liable for any harm or loss resulting from one’s use, communication or transmission of information to this website. No content should be copied from our website.


Use At Your Own Risk and Information Accuracy


Please be aware that the information contained on this website is provided strictly for your convenience and may not be completely accurate at the time of placement on this Site. Information is subject to change and updates at any time without prior notice.

Information on this site is not intended for any financial, legal or insurance purpose. We may not be held liable for any detrimental reliance you place on this site or its content. You are agreed to use it at your own risk if using this website.

No Liability Implied or Stated

No one associated with this site, including Rick Machtinger, will be liable or responsible for any harm, loss, or damage that resulted from contact, tort negligence, or otherwise, including indirect, special, third party, or consequential damages.

Each Insurance Policy package has its own limits and exclusions. If you do not know the coverages of your Insurance Policy, it is your responsibility to become aware of them.

Use of Trademark and Logo Not Permitted

This site’s display and use of trademarks does not constitute any licensing. Rick Machtinger, Financial Planners Canada, and Desjardins Financial Security Independent Network all carry trademarks, copyrighted logos, and service marks registered and unregistered in Canada and/or other countries. All other brand names are a trademark of their respective owners.


Site For Personal Use Only


The contents of this site can be used for personal purposes only. No one may copy, distribute, disseminate, commercially exploit, reproduce, reprint or otherwise communicate not specifically permitted by Rick Machtinger in writing.


Web Privacy Policy


Since privacy is so important to most of us, we want to make sure that you know that we take it very seriously. Listed below is a summary of some of our privacy practices:


  • We may gather what sort of information.
  • The information is collected by us and used by us.What we do with the information we collect.
  • How our security measures are set up.



General Information


We respect your right to privacy. Regardless of your relationship to us, we ensure you that we do not collect any personal information about you unless you choose to give it to us.


Your Information


This site does not collect personal information unless you voluntarily provide it to us. If you are simply browsing our site, we do not gather any personal information. We may collect statistics on how many people visit and which browser are being used but this data does not identify you personally.




By using the links on our site, you can choose to send us an email. However, we will ask you to call or write to us regarding the most sensitive topics. However, we welcome your questions and welcome feedback in the form of comments and suggestions.  Additionally, we may make available to you the option of having Rick Machtinger or one of our representatives contact you. To better serve you in this respect, we may require little more than your name and telephone number to provide to us.  Occasionally, we may keep this information on file to help you in the future. We may also share this information with another business partner, representative, or affiliate to send you information regarding other goods and services or to assist you with the support, renewal, or purchase of any financial product or service.