Our Commitment to Your Privacy

We are committed to providing our clients with excellent service.  Doing business with an Insurance Brokerage involves providing personal information, so the protection of such information is our highest priority. 

Our brokerage and the insurance industry respect your right to privacy and uphold standards for 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.

Why do we collect personal information?

Whether you are a new or returning client, we need to collect some personal information to complete your application or renewal.  The following are common purposes for which we collect your personal information:

• 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 and offer them to you;
• Ensure your information is accurate; and
• Protect us both against error or fraud.

What is considered personal information?

Personal information is any information that identifies you as an individual client and relates specifically to you.

What personal information do we collect?

Depending on the purpose(s) for which we are collecting such information, we may ask you for the following:

• Basic information such as your name, address, contact numbers, e-mail address, birthdate and marital status;
• claims history;
• credit and past payment records;
• driver’s record;
• property details, 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.

Where could we obtain this information from?

• You;
• Insurance Companies;
• other insurance brokers or agents;
• credit organizations;
• motor vehicle and driver licensing authorities;
• financial institutions;
• medical professionals.
• Who do we disclose your personal information to?

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs.  These other parties commonly include:

• Insurance Companies;
• other insurance brokers or agents;
• credit organizations;
• professionals working with us such as adjusters or lawyers;
• financial institutions.

How do we protect your personal information?

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 that we identify to 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 accurately and completely.
• 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.

Consent

We may obtain your express consent or we may determine that consent has been implied by the circumstances:

• We may ask for your express consent in writing, in person or on the phone.
• 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 that we will not need to obtain your consent.  An example is an emergency situation or if it is necessary for your protection or ours.

You can control how we handle your personal information

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 previously given consent at any time. However, by doing that 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 situations with you to help you with your decision.

Contact Information and Resources

We are committed to treating you with respect, courtesy and provide the highest level of service. Please contact our Privacy Officer 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 a complaint about privacy policies, or manner in which we’ve handled your personal information.
• Have any other questions about our privacy policies, wish to obtain a copy of our Personal Information Policies & Procedures, or request additional information.