PRIVACY POLICY

September 8, 2026

OUR COMMITMENT TO PRIVACY
- KOHR Wealth is a trade name of KOHR Wealth Management Ltd., which operates as part of the KOHR Group of
  Companies. In this Privacy Policy, “KOHR Wealth”, “KOHR”, “we”, “us” and “our” refer to KOHR Wealth
  Management Ltd., unless the context requires otherwise.
- KOHR Wealth is committed to protecting the privacy, confidentiality and security of the personal information
  entrusted to us.
- This Privacy Policy explains how we collect, use, disclose, retain and protect personal information in
  connection with our business, including when you:
  - become or seek to become a client;
  - communicate or interact with us;
  - use our website, applications or other digital services;
  - attend an event or meeting;
  - subscribe to our communications; or
  - otherwise engage with KOHR Wealth.
    We manage personal information in accordance with applicable Canadian privacy legislation, including the
    Personal Information Protection and Electronic Documents Act (Canada) (“PIPEDA”), and other applicable laws
    and regulatory requirements.

WHAT IS PERSONAL INFORMATION?
- “Personal information” means information about an identifiable individual. Depending on the circumstances,
  this may include:
  - name, address, telephone number and email address;
  - date of birth, marital and family status and other identifying information;
  - occupation and employment information;
  - financial information, including income, assets, liabilities, investments, insurance coverage and financial
    objectives;
  - banking and payment information;
  - tax and estate-planning information;
  - identification documents and information required for identity verification;
  - information regarding beneficiaries, family members, corporations, trusts or other entities associated with
    you;
  - information concerning your financial needs, objectives, risk tolerance and planning priorities;
  - records of communications and interactions with KOHR Wealth;
  - information required to meet legal, regulatory, compliance, anti-money laundering, record-keeping or
    professional obligations; and
  - technical information collected when you use our website or other digital services, such as IP address,
    browser information and website usage information.
    Some of the information that we handle is sensitive. We apply safeguards appropriate to the sensitivity of the
    information in our custody or control.

HOW WE COLLECT PERSONAL INFORMATION
- We may collect personal information:
  Directly from you, including through applications, forms, questionnaires, meetings, telephone calls, emails,
  text messages and other communications.
- From persons you authorize, such as your spouse or partner, accountant, lawyer, financial advisor, insurance
  advisor, investment professional or other representative.
  From third parties, where permitted by law, including insurers, financial institutions, investment firms, service
  providers, credit reporting agencies, public registries, professional advisors, regulatory bodies and other
  organizations.
- Automatically, through our website or digital services, including through cookies and similar technologies.
  Where you provide us with personal information about another individual, you are responsible for ensuring that
  you have authority to provide that information to us.
WHY WE COLLECT, USE AND DISCLOSE PERSONAL INFORMATION
- KOHR Wealth may collect, use and disclose personal information for purposes that include:
  - establishing, administering and managing our relationship with you;
  - understanding your financial circumstances, objectives and priorities;
  - developing and presenting wealth-management, insurance, investment, estate-planning, succession-planning and related strategies;
  - providing or facilitating products and services requested by you;
  - submitting applications and information to insurers, financial institutions, investment firms and other
    product or service providers;
  - communicating with you about your accounts, applications, transactions, meetings, services and other
    matters relating to our relationship;
  - verifying your identity;
  - complying with know-your-client, anti-money laundering, tax reporting, regulatory and other legal
    requirements;
  - maintaining our business and client records;
  - processing payments and transactions;
  - responding to inquiries, complaints and requests;
  - detecting and preventing fraud, unauthorized activity and security incidents;
  - managing and improving our business, services, website and technology;
  - conducting internal audits, compliance reviews, risk management and quality assurance;
  - protecting our legal rights and interests and those of our clients and other persons;
  - communicating information about KOHR Wealth, our services and events where permitted by law; and
  - any other purpose identified to you at or before the time the information is collected, or otherwise permitted
    or required by law.
- We limit our collection, use and disclosure of personal information to purposes that a reasonable person would
  consider appropriate in the circumstances.

CONSENT
- We obtain consent for the collection, use and disclosure of personal information where required by applicable
  law.
- Consent may be express or implied depending on the circumstances, the sensitivity of the information and the
  reasonable expectations of the individual.
- You may withdraw your consent to our collection, use or disclosure of personal information, subject to
  reasonable notice and any legal, regulatory or contractual restrictions. Withdrawal of consent may affect our
  ability to provide certain products or services to you.
- There are circumstances in which applicable law permits or requires us to collect, use or disclose personal
  information without consent. These may include disclosures required by law, court order or regulatory
  requirement, certain investigations, debt collection, fraud prevention and other circumstances authorized by
  law.
DISCLOSURE OF PERSONAL INFORMATION
- We do not sell personal information.
- We may disclose personal information to third parties where reasonably necessary for the purposes described
  in this Privacy Policy, including:
  - insurance companies;
  - investment dealers, portfolio managers, fund companies and financial institutions;
  - custodians and financial-service providers;
  - accountants, lawyers, tax advisors and other professional advisors;
  - technology, data hosting, cloud computing, communications and cybersecurity providers;
  - payment processors;
  - identity-verification and compliance service providers;
  - administrative and business-service providers;
  - regulators, governmental authorities, law-enforcement agencies and courts where required or permitted by
    law; and
  - other persons or organizations with your consent or as permitted or required by law.
- We require service providers handling personal information on our behalf to protect that information
  appropriately and to use it only for authorized purposes.
- We may also disclose personal information in connection with a proposed or completed corporate transaction,
  such as a financing, reorganization, merger, sale or transfer of all or part of our business, subject to applicable
  legal requirements.

SERVICE PROVIDERS AND PROCESSING OUTSIDE CANADA
- KOHR Wealth may use service providers located in Canada, the United States or other jurisdictions.
- As a result, personal information may be processed, stored or accessed outside the province in which you
  reside or outside Canada. When personal information is located outside Canada, it may be subject to the laws
  of the jurisdiction in which it is stored or processed and may be accessible to courts, law-enforcement
  agencies, regulators or governmental authorities in accordance with those laws.
- KOHR Wealth remains responsible for personal information under its control and uses contractual,
  organizational and other measures appropriate to the circumstances to protect information handled by service
  providers.
- You may contact our Privacy Officer if you would like additional information regarding our use of service
  providers outside Canada.
MOBILE, SMS AND ELECTRONIC COMMUNICATIONS
- Service and Relationship Communications
  If you provide us with a mobile telephone number or other electronic contact information, we may use it, where
  permitted by law, for communications relating to our existing or prospective relationship with you. These
  communications may include:
  - arranging or confirming meetings;
  - responding to your requests;
  - providing administrative or service-related information;
  - requesting information or documents;
  - providing status updates; and
  - other communications reasonably related to services you have requested or your relationship with KOHR Wealth.
- You should not send highly sensitive information, passwords, banking credentials or other confidential
  information by SMS or other unsecured messaging services unless specifically instructed by KOHR Wealth to
  use an approved secure method.
- No Spam or Unsolicited Mobile Marketing
  KOHR Wealth does not use SMS, text messaging or other mobile messaging services to send spam or
  indiscriminate unsolicited marketing messages.
- We will send commercial or promotional electronic messages, including promotional text messages, only
  where we have the consent or other lawful authority required under Canada’s Anti-Spam Legislation (“CASL”)
  and other applicable laws.
  Where required by law, commercial electronic communications from KOHR Wealth will:
  - clearly identify KOHR Wealth or the person on whose behalf the communication is sent;
  - provide required contact information;
  - be sent only where the recipient has provided the required consent or another lawful basis for sending the
    communication exists; and
  - include a clear and effective method of unsubscribing from future commercial electronic messages.
- We do not purchase mobile telephone lists for unsolicited SMS marketing.
  Consent to receive marketing messages is not a condition of receiving KOHR Wealth’s services unless the
  communication is reasonably necessary to provide the particular service requested.
- Opting Out
  You may withdraw your consent to promotional electronic communications at any time by:
  - following the unsubscribe instructions contained in the communication;
  - replying STOP to an SMS message where that functionality is provided; or
  - contacting KOHR Wealth using the information set out below.
- We will process unsubscribe requests in accordance with applicable law.
- Opting out of promotional communications will not prevent us from sending communications that are required
  or permitted by law or that are necessary to administer an existing relationship, transaction or service.
- Mobile Carrier Charges
  Standard message and data rates charged by your mobile service provider may apply to SMS or other mobile
  communications. KOHR Wealth is not responsible for charges imposed by your telecommunications provider.

WEBSITE, COOKIES AND ANALYTICS
- Our website may use cookies, analytics technologies and similar tools to operate the website, understand how
  visitors use it, maintain security and improve its functionality.
- These technologies may collect information such as:
  - IP address;
  - device and browser type;
  - operating system;
  - pages viewed;
  - referring website;
  - date and time of visits; and
  - interactions with website features.
- You may be able to control cookies through your browser settings. Disabling cookies may affect the
  functionality of certain portions of our website.
- Where third-party analytics or other digital-service providers process information on our behalf, their handling
  of information may also be subject to their own privacy practices.

SAFEGUARDING PERSONAL INFORMATION
- KOHR Wealth maintains administrative, technical and physical safeguards designed to protect personal
  information against loss, theft and unauthorized access, collection, use, disclosure, copying, modification or
  disposal.
- These safeguards may include, as appropriate:
  - access controls and authorization procedures;
  - password and authentication requirements;
  - encryption and secure transmission technologies;
  - cybersecurity and monitoring controls;
  - confidentiality requirements;
  - employee and contractor training;
  - secure document and information-management procedures;
  - vendor and service-provider controls; and
  - secure destruction or anonymization of information that is no longer required.
- No method of electronic transmission or storage is completely secure. Accordingly, while we use safeguards
  appropriate to the sensitivity of the information, we cannot guarantee absolute security.

PRIVACY BREACHES
- KOHR Wealth maintains processes for identifying, investigating and responding to actual or suspected privacy
  and security incidents.
- Where a breach of security safeguards involving personal information creates a real risk of significant harm to
  an individual, we will notify affected individuals and report the breach to the Office of the Privacy
  Commissioner of Canada or other applicable regulator where required by law.
- We maintain records of privacy breaches as required by applicable law.
RETENTION AND DESTRUCTION
- We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was
  collected and to satisfy applicable legal, regulatory, tax, accounting, professional, contractual and business
  requirements.
- Retention periods may vary depending on the nature of the information and the relationship.
  When personal information is no longer required, we will securely destroy, delete or anonymize it in accordance
  with our policies and applicable legal requirements.
ACCURACY
- We take reasonable steps to ensure that personal information used in making decisions affecting an individual
  is accurate, complete and up to date.
- We rely on clients and other individuals to advise us of material changes to the information they have provided.
  If you believe that information we hold about you is inaccurate or incomplete, please contact us.
ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION
- Subject to exceptions provided by law, you may request:
  - information about the existence, use and disclosure of personal information we hold about you;
  - access to your personal information; and
  - correction of personal information that is inaccurate or incomplete.
- We may require information sufficient to verify your identity before responding to an access or correction
  request.
- In limited circumstances, applicable law may permit or require us to refuse access to some or all of the
  requested information. If we refuse a request, we will provide an explanation where required by law.

CHILDREN AND MINORS
- KOHR Wealth’s services are not directed primarily to children.
- We may collect information concerning minors where reasonably necessary in connection with a client’s
  financial, insurance, estate, trust, beneficiary or family-planning matters. We will handle that information in
  accordance with applicable law and with safeguards appropriate to its sensitivity.
PRIVACY OFFICER AND ACCOUNTABILITY
- KOHR Wealth has designated responsibility for overseeing our privacy practices and compliance with
  applicable privacy legislation.
- Questions, requests or complaints concerning this Privacy Policy or KOHR Wealth’s handling of personal
  information may be directed to:
  - Privacy Officer
    KOHR Wealth
    2216 Broadway Ave
    Saskatoon, Saskatchewan, CA, S7J 0Y6
    Email: [email protected]
    Telephone: 306.520.4974
- We will investigate privacy complaints and respond in accordance with our obligations under applicable law.
  If you are not satisfied with our response, you may have the right to contact the Office of the Privacy
  Commissioner of Canada.
THIRD-PARTY WEBSITES AND SERVICES
- Our website or communications may contain links to websites, applications or services operated by third
  parties.
- KOHR Wealth is not responsible for the privacy practices of third parties that independently collect or control
  personal information. We encourage you to review the privacy policies of those third parties.
CHANGES TO THIS PRIVACY POLICY
- We may amend this Privacy Policy periodically to reflect changes in our business practices, technology, legal
  requirements or other circumstances.
- The current version will be made available on our website, and the “Last Updated” date at the beginning of this
  Privacy Policy will indicate when it was most recently revised.
- Where required by law, we will provide additional notice or obtain consent before applying material changes to
  personal information previously collected.
CONTACT US
- If you have questions about this Privacy Policy or KOHR Wealth’s privacy practices, please contact our Privacy
  Officer using the contact information above.