Privacy Policy

Information We Collect

We collect personal information directly from you, with your consent, or as authorized by law. The types of personal information we may collect include:

Identifiable Information

• Full name and title
• Contact information (email address, telephone number, mailing address)
• Date of birth
• Gender
• Marital status
• Identification numbers (driver's license, social insurance number when required for tax purposes)

Financial Information

• Employment information
• Income details
• Banking information for premium payments
• Credit information (when relevant for underwriting purposes)

Insurance-Specific Information

• Information about your current insurance policies
• Claims history
• Health information (for life and health insurance applications)
• Information about your property, vehicles, or assets to be insured
• Risk assessment information

Website and Digital Information

• IP address
• Browser type
• Device information
• Cookies and tracking technologies
• Website usage data

How We Use Your Information

We use your personal information for the following purposes:

• To provide insurance quotes and process applications
• To assess your insurance needs and eligibility
• To communicate with you about your policies
• To process premium payments
• To assist with claims processing
• To comply with legal and regulatory requirements
• To detect and prevent fraud
• To improve our services and website functionality
• To send you information about relevant insurance products, updates, or changes (with your consent)
• To conduct market research and analytics to improve our offerings

Legal Basis for Processing

We process your personal information based on the following legal grounds:

• With your consent
• To fulfill contractual obligations when you purchase insurance products
• To comply with legal obligations
• For our legitimate business interests, where those interests do not override your fundamental rights and freedoms

Consent

We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law. Your consent may be express (verbal, written, or electronic) or implied based on your actions.

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 certain services or insurance products.

Information Sharing and Disclosure

We may share your personal information with the following parties:

• Insurance companies, underwriters, and reinsurers
• Insurance regulatory authorities and government agencies
• Claims adjusters and investigators
• Healthcare professionals (for health and life insurance)
• Financial institutions for payment processing
• Legal, accounting, and other professional advisors
• Service providers who need access to your information to perform services on our behalf

All third parties are contractually required to maintain the confidentiality and security of your personal information and to process it only as instructed by us.

Cross-Border Transfers

Some of our service providers or insurance partners may process or store your personal information outside of Canada. When this occurs, your information becomes subject to the laws of those foreign jurisdictions, which may not provide the same level of protection as Canadian privacy laws.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. The retention period depends on the type of information, the purpose for which it was collected, and legal requirements.

Your Privacy Rights

Under PIPEDA and applicable provincial laws, you have the right to:

• Access your personal information that we hold
• Request corrections to inaccurate or incomplete information
• Withdraw your consent to the collection, use, or disclosure of your information (subject to legal restrictions)
• File a complaint about our privacy practices
• Request information about our policies and practices relating to the management of personal information

To exercise these rights, please contact our Privacy Officer using the contact information provided at the end of this policy.

Data Security

We implement appropriate technical, administrative, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, use, or modification. These measures are regularly reviewed and updated as necessary.

While we take all reasonable steps to protect your information, no security system is impenetrable, and we cannot guarantee the absolute security of your information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect information about how you use our site. You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

Third-Party Links

Our website may contain links to third-party websites that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of these third-party sites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a revised "Last Updated" date.

Contact Information

Regulatory Information

Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.