Welcome to EBSource. Our website provides Canadian employers with current information, practical guidance, and expert insights into employee benefits.

To learn more about us, please visit our About Us page.

Our Commitment to Your Privacy

This Privacy Policy explains how we handle your personal information, what we collect, how we use it, and your rights when you use our website.

Our approach is built on Canada’s fair information principles, ensuring you have control over your data. We handle personal information in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws, including Quebec’s Law 25 where it applies.

By using EBSource.com, you are agreeing to the practices described in this policy.

Who Is Responsible for Your Information

IDC Insurance Direct Canada Inc. (“IDC Insurance”) is the data controller and the organization responsible for the personal information collected through EBSource.com. Effective August 6, 2026, IDC Insurance assumed direct management of the EBSource brand and publishing operations from ORCA Financial Publishers, its parent company.

IDC Insurance is a licensed insurance brokerage operating across all 13 Canadian provinces and territories.

IDC Insurance Direct Canada Inc.

4400 Dominion St., Suite 260, Burnaby, BC V5G 4G3, Canada
Email: privacy@ebsource.com
Phone: +1 877-611-6722

What Information We Collect and Why

We only collect information that is necessary for us to provide and improve our services. The purposes for collecting information will be identified before or at the time of collection.

a) Information You Voluntarily Provide:

When you interact with our Site, you may choose to share information with us in different ways, including when you:

Subscribing to our newsletter: We collect your name and your email address to send you the content and updates you requested.
Filling out a contact form: We collect your name, email, phone number, company name, and the message you provide so that we can respond to your inquiries.
Requesting a benefits review or consultation: When you request a benefits review, advisory consultation, or group insurance quote, we collect your contact details, business information, and details about your benefits needs.
Leaving a comment: We collect your name and email address to help prevent spam and to notify you of replies.
Creating an account: If you decide to set up an account, we may ask to collect your name, email, job title, and industry to personalize your experience and provide more relevant content.

Why we collect it:

This information is used to directly fulfill your requests, provide the customer support you need, connect you with licensed benefits advisors at IDC Insurance when you request professional assistance, and help build a community on our Site.

b) Information We Collect Automatically:

As you browse EBSource.com, we automatically gather technical data about your visit. This includes:

Usage Details: Such as your browser type, your IP address, the operating system you use, and the specific pages you access.
Interaction Data: How you found our Site (e.g., from a search engine or another link), the time you spend on pages, and what you click on.
Analytics Tools: We use Google Analytics to comprehend how users interact with our Site, determine popular content, and improve our site performance.

Why we collect it:

This data helps us understand how users interact with our content. We analyze these patterns to identify popular topics, improve website navigation, and ensure our Site operates correctly on different devices and browsers. Certainly, this is for analytical purposes only and not to identify you personally.

How We Use Your Information

We are committed to using your personal information responsibly and only for purposes that are reasonable under the circumstances. Here is a breakdown of how we handle the data you entrust to us:

To Deliver and Customize Your Content: We use your information to send you the specific employee benefits news and insights you signed up for. We also look at general user engagement trends to help us tailor our content, making it more relevant and useful to our audience as a whole.
To Communicate With You: When you reach out with questions or need assistance, we will use your information to respond to your inquiries. This also includes sending you the newsletters you have requested and providing other support-related communications.
To Fulfill Service Requests: When you request a benefits review, consultation, or group insurance quote, we share your contact information and business details with licensed benefits advisors at IDC Insurance to fulfill your request. When necessary to obtain quotes or arrange coverage on your behalf, we may also share this information with insurance carriers. This is entirely optional, and reading EBSource content does not require you to request these services.
To Enhance Our Services: We analyze how users interact with our website and consider the feedback you provide. This helps us understand what is working and where we can improve, and we can continually refine our platform for a better and more intuitive user experience.
To Maintain a Secure Environment: We actively monitor for and defend against fraudulent activity, spam, and unauthorized access to our website. Your information helps us safeguard our platform and enforce the rules outlined in our Terms of Service, ensuring a secure experience for all users.
To Fulfill Our Legal Duties: We will use your information as required to comply with our obligations under applicable Canadian laws and regulations.

Should a situation arise where we intend to use your information for a purpose not described here, we will contact you to obtain your explicit consent before proceeding.

Information Sharing and Disclosure

We do not use your personal information for commercial purposes beyond those described in this policy. Your data will only be shared in the following specific and limited situations:

With Our Service Partners: We work with third-party companies for services like website hosting, email delivery (for our newsletters), and analytics. These partners are contractually obligated to protect your information and are only permitted to use it to perform the services we’ve requested.
With Licensed Benefits Advisors and Insurance Carriers: When you request a benefits review or group insurance quote through EBSource, we share your contact information and business details with licensed benefits advisors at IDC Insurance, and may also share with insurance carriers. This sharing occurs only when you voluntarily request these services and only to the extent needed to fulfill your specific request.
For Legal Reasons: We may disclose your information if required by law, such as in response to a court order or a valid request from a law enforcement agency. We will only disclose the specific information required.
To Protect Our Rights: We may share information to protect the rights, property, or safety of EBSource.com, our users, and the public.
With Your Explicit Consent: For any other purpose, we will first explain why we want to share your information and obtain your express consent before doing so.

Cookies and Tracking Technologies

Like most websites, ours uses “cookies”, which are small data files stored on your device. They help our site function and allow us to understand how you use it. We use them to:

Remember your preferences (like if you’ve already accepted our cookie notice).
Gather analytics about site traffic and user behaviour to improve our content.

You have full control over cookies and can disable them through your browser settings. Please note that if you disable them, some parts of our website might not function as smoothly.

Specific Cookie Usage:

Comment cookies: When you leave a comment, you can choose to have your browser remember your name, email, and website. Choosing this is purely for your convenience, saving you from re-entering those details for your next comment. This preference is stored for one year.

Login cookies: If you have an account and log in, we use cookies to remember your login details and any display settings you’ve chosen. The login itself is remembered for two days, while your display choices are kept for a year. If you tick the “Remember Me” box, you’ll stay logged in for two weeks. As soon as you log out, these login cookies are deleted.

Editing cookies: If you edit or publish an article, your browser saves a temporary cookie. This cookie holds no personal data; it simply identifies the specific article you’ve just edited. It’s a technical note for our system that expires after one day.

Data Security

We are committed to safeguarding your personal information. To protect your data from unauthorized access, modification, or loss, we implement a comprehensive set of administrative, technical, and physical security measures. These measures include:

Encrypting data transmitted to and from our Site using HTTPS/SSL
Implementing strict access controls to limit who can view personal information
Utilizing a secure hosting infrastructure
Continuously monitoring our systems and applying security updates

While we employ these robust standards, it is important to recognize that no method of transmitting or storing data is entirely without risk. Therefore, although we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

How Long We Keep Your Information

We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by law:

Newsletter subscribers: Until you unsubscribe.

Contact form inquiries: Typically 2-3 years for business record-keeping purposes.

Benefits review and consultation requests: In accordance with insurance industry record-keeping standards and legal requirements.

Analytics data: Aggregated and anonymized data may be retained indefinitely for historical analysis.

After the retention period, we securely delete or anonymize your information.

Embedded content from other websites

Our articles may feature content, such as videos, images, or articles, that is hosted on other websites. This embedded content behaves in the same way as it would if you were visiting the source website directly.

Consequently, these external websites may gather data about you, use their own cookies, and implement their own third-party tracking. They can also monitor your specific interaction with the embedded content, particularly if you hold an account with that website and are logged in during your visit to our page.

What the Management Transition Means for Your Personal Information

Effective August 6, 2026, IDC Insurance Direct Canada Inc. assumed direct management of EBSource.com from ORCA Financial Publishers. This means IDC Insurance is now the data controller responsible for how your information is collected, stored, used and protected. Important commitments regarding this transition include:

If you previously opted out of communications, that choice still stands. We are not treating this transition as an opportunity to begin sending marketing messages to readers who did not previously opt in.

Personal information transferred from ORCA to IDC Insurance continues to be subject to the purposes for which it was originally collected. The change in management does not grant IDC Insurance permission to use reader, subscriber or inquiry data for unrelated purposes.

Submitting a consultation request and subscribing to marketing communications are separate choices. You are not required to accept promotional messages solely to request a response to an inquiry.

Where applicable privacy legislation requires notification of this transfer, that notification will be provided.

Your Privacy Rights in Canada

Because we operate in Canada, you are protected by Canadian privacy law (PIPEDA), which gives you specific rights and control over your personal information. These include:

The Right to Access: You have the right to ask for a copy of the personal information we hold about you.
The Right to Correction: If you find that any information we have is incorrect or incomplete, you have the right to ask us to update it.
The Right to Withdraw Consent: You can change your mind and withdraw your consent for us to use your information at any time. For example, you can opt out of our newsletter by clicking the “unsubscribe” link found in every email. Please note that legal or contractual obligations may sometimes prevent the immediate deletion of all data.
The Right to Challenge Our Practices: If you have concerns about how we are handling your information, you have the right to voice them.

To exercise any of these rights, please contact our Privacy Officer using the details below. We will respond to your request promptly and respectfully.

Children’s Privacy

Our website and its content are designed for a professional audience and are not intended for individuals under the age of 16. It is not our policy to knowingly collect personal information from children. Should you believe that we have inadvertently received data from a child under 16, please contact us immediately. We are committed to taking prompt and thorough action to identify and permanently delete such information from our records.

Changes to This Privacy Policy

We may need to update this policy from time to time to reflect changes in our services or to comply with new legal requirements.

When we make significant changes, we will make sure you know about them by posting a clear notice on our website and updating the “Last Updated” date at the top of this page. We encourage you to review this policy periodically to stay informed.

Contact Us and Accountability

We are accountable for the personal information in our care. If you have any questions or concerns related to our Privacy Policy or DMCA policy, please contact us at the following information:

EBSOURCE

Phone: +1 877-611-6722
Address: 500 4 Ave SW #2500, Calgary, AB T2P 2V6, Canada