We are committed to providing our clients with excellent service.
Doing business with a Property and Casualty insurance broker
involves providing information about yourself, so protection
of your information is one of our highest priorities.
Our brokerage and the insurance industry have a solid track
record of respecting your right to privacy and safeguarding
your personal information. As a result of federal legislation,
we’ve further strengthened our privacy commitment by informing
you of why and how we collect, use and disclose your personal
information. You can be assured that we’ll only handle
your personal information in a manner that a reasonable person
would consider appropriate in the circumstances.
This is a brief summary of our privacy practices.
When you first become a client or whenever you acquire or renew a
product from us, we need to collect some of your personal information.
Common purposes for which we collect your information are to:
· Enable us to acquire or renew an insurance policy for
you;
· Assist you and assess your ongoing needs for insurance;
· Assess your need for other products, such as financial products,
and to offer them to
you;
· Ensure your
information is accurate and up-to-date and
· Protect us
both against error or fraud.
Personal information is information that identifies you as an individual
client and relates specifically to you. Depending on the purpose(s)
for which we need to collect it, we may ask for the following personal
information about you including:
· Basic information such
as your name, address, telephone and fax numbers, e-mail
addresses,
birthdate and marital status.
· Claims history
·
Credit and past payment records
· Driver’s record
· Details about your property such as the value of your home
and its contents
· Medical information such as any condition
that may affect the operation of a vehicle
· Employment
information We may obtain this information from:
· You
· Insurance companies
· Other insurance brokers or agents
· Credit organizations
· Motor vehicle and driver licensing authorities
· Financial institutions
· Medical Professional
For many purposes identified above, we will need to share your personal
information with others in order to serve your needs. These other
parties include:
· Insurance companies
· Other
insurance brokers or agents
· Credit Organizations
· Professionals working with us such as adjustors or lawyers
· Financial institutions. For example, the organization that
carries your mortgage.
In order to protect your personal information and right to privacy,
we will:
· Not collect, use or disclose your personal information
for any purpose other than those
we identify with
you
· Keep your personal information only for as long as
we need it to fulfill the stated
purpose or as required
by law
· Maintain your personal information in as accurate,
complete and up-to-date a form as
possible
·
Safeguard your personal information to the best of our ability
· Respond to any request you may make to access or correct
the personal information we
hold about you
·
Obtain the appropriate consent from you for the collection, use or
disclosure of your
personal information.
We may obtain your express consent or we may determine that consent
has been implied by the circumstances.
· We might ask you for your express consent in writing,
for example in a signed consent
or application form
· We might ask you for your express consent in person or
over the telephone
· We may determine that by seeking insurance through our
organization, your consent
has been implied for us to deal with your personal information
in a reasonable manner
There are also legal exceptions in which we will not need to obtain
your consent or explain the purpose of the collection, use or disclosure
of your personal information. For example, this could apply when
there is an emergency situation, or if it is necessary for your
protection or ours.
We want you to know that you do have choices in this matter. You
could refuse to allow us to obtain, use or share your personal information
or you could also withdraw a previous given consent at any time.
However by doing that, depending on the situation, you may be limiting
or even preventing our ability to provide you with the product or
service you desire.
For example, if you do not allow us to obtain information about
your driving record, it is unlikely that we will be able to provide
you with auto insurance.
We’ll be happy to discuss particular situation with you to
help you with your decision.
We are committed to treating you with respect and courtesy, and
to providing the highest level of service.
Please contact our privacy office at the address below if you:
· Wish to access your personal information.
· Wish to change your consent to the ways in which we may
collect, use or disclose your
personal information.
· Have any other questions about our privacy policies, wish
to obtain a copy of our
Personal Information Policy & Procedure Handbook,
or request additional information.
We will respond to you promptly and do our utmost to resolve your
concerns. To find out more about federal privacy laws, please contact
the Office of the Privacy Commissioner at www.privcom.gc.ca
|
