Privacy Policy

Accountability

We maintain internal practices and procedures to ensure that we comply with this Privacy Policy as well as update it as our offerings and activities change. We endeavour to maintain, and periodically update, practices and procedures that:

Define the purposes of our collection of your Personal Information;
Obtain valid and meaningful consent for that collection;
Limit collection, use and disclosure of your Personal Information;
Ensure your personal information is correct, complete and current;
Ensure security measures are adequate to protect your Personal Information;
Maintain a retention and destruction timetable;
Respond to complaints, inquiries and requests to access your Personal Information;
Address breach and incident-management protocols;
Assess potential risks to your Personal Information;
Ensure third-parties only use Personal Information in accordance with this Privacy Policy; and
Deliver appropriate privacy training for our employees.

Identifying Purposes

Ultimately, we use your Personal Information to provide you with the Services. We aim to collect, use and disclose only such information as is required to enable us to manage your account, to provide the Services, to maintain our customer/user lists, to respond to your inquiries or provide feedback, for identification and authentication purposes, and for service improvement. More specifically, the purposes for which we collect, use, and disclose your Personal Information are listed in the Use and Disclosure Section below. Generally, the purposes are to:

provide you with our products and services, including through third-party suppliers;
better understand your needs and preferences;
maintain responsible commercial relations with you;
determine your eligibility for products and services and recommend products and services to you;
develop and enhance our products and services;
market products and services that may be of interest to you;
manage our business operations;
detect, suppress or prevent fraud and manage and secure our networks; and
meet our legal and regulatory obligations.

Consent

When you use the Service, your consent to the collection, use, and disclosure of Personal Information as described in this Privacy Policy will be implied in certain circumstances, most often when you willingly and intentionally provide us with your personal information, including directly in writing or electronically, for a specific stated purpose. We also rely on third parties for your consent when you access the Services using devices or software that you have disclosed your personal information to, and those services are permitted to disclose it to us. We may also seek your express consent to the collection, use or disclosure of your personal information. Most often, we will seek your express consent when it is highly sensitive or required for a new purpose. We may obtain your consent by your checking of a box, your acquiescence to an agreement or your taking another affirmative action.

Information

Two types of information may be collected through the Website and our Services: Personal Information and Website Information. “Personal Information” is personally identifiable information, such as your name, address, e-mail address, credit card information, address, birth date and gender. At the time of collection, we will clearly identify the Personal Information being collected and the purposes for which it will be used. “Website Information” is information we collect when you visit our Website, such as an Internet Protocol Address (IP Address), the domain used to access the Website, and the type and version of browser or operating system being used by visitors to the Website.

Collection

We may collect Personal Information in respect of the Website through a registration process, request form submissions, financial product and service quote inquiries, communications with you, user support, online tools, and expert advice services. We also collect aggregate information, such as demographic statistics of our users (e.g. average age or geographical allocation of our users), number of visitors, what pages users access or visit, and average time spent on the Website. Similarly, business contact information such as the name, title, business address, or telephone number of a business or professional person or an employee of an organization is not considered Personal Information when such information is used for the purposes of contacting the individual in their business/professional capacity. In addition to the Personal information we collect directly from you, we also work with third parties to more fully understand your journey from requesting a quote to receiving a financial product. This information received from third parties is collected in accordance with that party’s privacy policies and may include: date of approval for the financial product, the policy type of product, the finalized value, and whether and what other products may have been bundled with the product you inquired about.

Opting Out

You may withdraw your consent to our collection, use, or disclosure of your Personal Information at any time. However, withdrawing consent may result in your inability to continue using all the features available on the Website and/or the Services. For more information about interest-based advertising and to understand your options, including how you can opt-out of receiving behavioural ads from third-party advertising companies participating in the Digital Advertising Alliance of Canada, please visit the Digital Advertising Alliance of Canada website at http://youradchoices.ca/choices. Please note that even if you opt-out of interest-based advertising by a third party, these tracking technologies may still collect data for other purposes including analytics and you will still see ads from us, but the ads will not be targeted based on behavioural information about you and may therefore be less relevant to you and your interests. To opt out, you must have cookies enabled in your web browser. To do this, see your browser’s instructions for information on cookies and how to enable them. When you opt-out, it only applies to the web browser you use so you must opt-out of each web browser on each computer you use. Once you opt out, if you delete your browser’s saved cookies, you will need to opt-out again.

Protecting your Information

The security of your Personal Information is important to us. We have put in place contractual and other organizational safeguards with our agents and service providers to ensure a proper level of protection of your Personal Information. In addition to those measures, we will not disclose or transfer your Personal Information to third parties except as specified in this Privacy Policy. Our servers (and certain service providers) are also located in Canada and accordingly your Personal Information may be available to the Canadian government or its agencies under a lawful order, irrespective of the safeguards we have put in place for the protection of your Personal Information. We use commercially reasonable efforts to store and maintain your Personal Information in a secure environment. We take technical, contractual, administrative, and physical security steps designed to protect Personal Information that you provide to us. We have implemented procedures designed to limit the dissemination of your Personal Information to only such designated staff as are reasonably necessary to carry out the stated purposes we have communicated to you. You are also responsible for helping to protect the security of your Personal Information. For instance, never give out your email account information or your password for the Services to third parties. We will maintain the confidentiality of any contact information you provide to us when you sign up for our Services, marketing communications, or contact us with questions or for further information and we will use it only for the purposes for which we have collected it (subject to the exclusions and disclosures we have listed in this Privacy Policy), unless you agree that we may disclose it to other third parties.

Privacy Policy - How we collect and protect information