TYPES OF PERSONAL INFORMATION COLLECTED
We collect personal information for the Identified Purposes outlined in this policy. The type of personal information that we hold depends upon the nature of your relationship with us, and includes, but is not limited to:
- name, address and telephone number;
- date of birth, family and marital status;
- credit rating and payment records;
- prior insurance experience including claims history;
- driver’s licence number, vehicle identification number (VIN) and driving record;
- banking and credit card information;
- medical and health information;
- employment and income information.
We use or disclose such information only for the Identified Purposes described below.
LIMITING THE COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION
We limit the collection, use and disclosure of your personal information to only what is necessary to provide you with the insurance protection that you have requested, or, in the case of a claim, to provide you with the compensation to which you are entitled. In order to do this, we collect, use and disclose your personal information for the following purposes (our “Identified Purposes”):
- offering and providing insurance products and services to you;
- establishing and maintaining communications with you;
- verifying your personal information with government agencies, brokers or agents, other insurers, insurance reporting agencies and credit bureaus;
- assessing and underwriting risks on a prudent basis;
- facilitating your payment of premiums and fees;
- investigating and payment claims;
- detecting and preventing fraud or other illegal activities;
- compiling statistics;
- complying with the law or requests of law enforcement agencies or regulators.
When we collect your personal information, we are doing so for all the Identified Purposes simultaneously. Therefore, you can expect that while we may initially use the data for underwriting your policy, we may subsequently use it for claim purposes, and vice versa.
We ask that you know our Identified Purposes and provide your consent to before we collect, use or disclose your personal information. You may provide your consent in a variety of ways. We rely on the following actions by you as indication of your knowledge and consent:
- you provide your implied consent when you voluntarily provide personal information to miBroker;
- you provide your express consent when you complete a written, verbal or electronic application process;
- we may also ask for your express consent for a specified purpose.
We will not disclose your medical and health information, or your employment and income information, without your express consent.
You may withdraw your consent, subject to legal or contractual obligations and on reasonable notice, but this may limit our ability to provide you with the requested product or service. In the event that you wish to withdraw your consent, you should contact miBroker’s Privacy Compliance Officer first to understand the implications of such withdrawal, and then if you choose to proceed, give the requisite notice.
MAINTAINING ACCURATE INFORMATION
miBroker will work to keep your personal information as accurate, complete and up-to-date as is necessary for our Identified Purposes.
PROTECTING YOUR PRIVACY
We are committed to protecting your privacy. We maintain physical, electronic and procedural safeguards to protect your personal information from unauthorized access.
We review our policies and practices, monitor our computer networks, test the strength of our security and monitor our compliance with relevant laws in order to help us ensure the safety of your personal information. We restrict access to your personal information to those employees whom we have determined need to know that information to provide products or services to you. In addition, our employees are bound by a Privacy Code of Conduct. Employees who violate these standards are subject to disciplinary measures.
There are situations where we will disclose personal information in accordance with our Identified Purposes. For example, as part of the underwriting handling process, we may transfer personal information to other insurance companies including reinsurance companies which share in the risk. Additionally, personal information may be disclosed to government agencies, brokers or agents, other insurers or insurance reporting agencies for underwriting, claims, classification and rating purposes. We may also disclose personal information to businesses that provide goods and services to insurance companies and their customers, such as claims adjusters, appraisers and repair shops. As well, we may disclose personal information to government and regulatory agencies as required by law. Only the information necessary for these services will be provided by us to these service providers, and it is done on the basis that they will maintain the confidentiality of the information. If we discover that third parties are improperly handling your personal information, we will take appropriate action to protect your personal information.
If you conclude your relationship with us, we will continue to safeguard the privacy of your personal information in accordance with this policy and as required by law.
Finally, personal information is retained only as long as it is needed, or to meet any legal, regulatory or tax requirements.
ACCESSING YOUR PERSONAL INFORMATION
You can request access to your personal information that we have on file in order to verify the accuracy and completeness of the personal information. To request access please send your written request to miBroker’s Privacy Compliance Officer. We will respond to your request within 30 days or advise you if additional time is required to respond to your request.
There may be situations in which we are legally prohibited from allowing you access to your personal information. If this is the case, we will advise you of why, subject to any legal restrictions.
We may charge you for providing access to your personal information, however we will only do so after first advising you of the approximate cost.
If you believe that any of your personal information is incorrect, you can request that it be amended. We will amend personal information that is demonstrated to be inaccurate or incomplete and will make reasonable efforts to advise other parties to whom we have supplied your personal information of corrections that are needed. There is no charge for verifying and correcting information.
Privacy Compliance Officer
miBroker, a division of McClelland Insurance Brokers Limited
56 Aberfoyle Cres., Suite 110
If we do not resolve your questions or complaint to your satisfaction, you may address your concerns to:
The Privacy Commission of Canada
112 Kent Street
E-mail: [email protected]