Company and its associated entities, and "our" has a similar meaning.
Your privacy is important to us so
here we set out the principles that apply to any personal information we
collect or hold about you, including information you provide to us and
information which we collect from other sources. We do NOT sell or disclose personal
information we collect to others for the purpose of allowing them to direct
market their products and services.
Communicating with you:
1.1. Each time you request us to
provide you with services, we may send you an email, a SMS or call you by telephone
to verify the order and confirm details of the goods or services requested and
otherwise for the purposes of communicating with you in relation to any goods
or services you may have requested. We also may send to customers email
communications from time to time regarding any technical, administrative or
legal notices important to our website, our products and services that we
consider essential. As these are not commercial electronic messages, you are
not able to unsubscribe from these notices.
1.2. As part of our quality control
procedures we record all incoming calls to our Sales Centre. This is to ensure
that we meet and are able to check that we have met your precise
1.3. You consent to us using your
personal information to send you marketing messages by mail, email, SMS and
telephone about related services which may be of interest to you on an ongoing
basis. You are able to unsubscribe from these notices, by following the
instructions on the relevant messages or by contacting us.
What personal information do we collect?
2.1. Generally, the type of personal
information we collect about you includes your name, address, telephone
numbers, e-mail address, the type of service you require, your insurance
details and your credit card and payment details.
2.2. If you interact with us via our
website, the website uses software to collect visitor behavior data. This data
is collected anonymously to be used for marketing and optimization purposes.
All visitor data is saved using an anonymous user ID to aggregate a usage
profile. Cookies may be used for this purpose, but only to collect and save
data in anonymous form. The collected data will not be used to identify a
visitor personally and is not aggregated with any personal data.
How we collect your personal information?
3.1. We generally collect your
personal information directly from you. For example, you may provide us with
your personal information via our website, over the phone, in correspondence
(whether by letter, fax or email), at one of our branches or when we attend
premises to provide services.
3.2. There may be occasions when we
need to source personal information about you from a third party. For example,
from someone from your organization or household who is engaging us on your
behalf, from our contractors and authorized dealers who supply services to us
in connection with providing services to our customers, from your insurer, or
an information service provider (including credit-reporting and fraud-checking
agencies and credit providers) or from a publicly maintained record. If we
collect personal information about you in this way, we will take reasonable
steps to advise you.
3.3. If you provide personal
information to us about someone else (such as a contact person or a person on
whose behalf you are engaging us) you must ensure that you have obtained
permission to give us the information and for us to collect, use and disclose
can and do provide the consents on behalf of that person as described in this
Purposes of collection
We collect personal information for
the primary purpose of providing services to you or your organization. We may
also collect personal information for purposes related or ancillary to the main
reasons we collect it, including to:
If you do not provide the
information requested, we may not be able either to provide you with
appropriate services or to fulfill another applicable purpose of collection.
We also collect personal information
from candidates for the purposes of assessing suitability for a type of job or
How we use or disclose your personal information
5.1. We will use and disclose
personal information for the primary purpose for which it was collected stated
above, and for purposes related or ancillary to the main reasons we collect it.
We do not disclose personal information we collect to third parties for the
purpose of allowing them to direct market their products and services.
5.2. We may retain other companies
and contractors to provide services for us, including for example:
5.3. These companies may be located
outside of Canada, and will have access to the personal information needed to
perform their functions and not for any other purposes. Where appropriate,
these companies are bound by confidentiality agreements not to disclose any
information for any other purpose. You consent to us disclosing your
information to entities located outside Canada for these purposes on the basis
that we are not required to ensure that any overseas recipient complies with
Canadian privacy laws.
5.4. We may also disclose the
personal information to your authorized representatives or legal advisers, to organizations
involved in managing our corporate risk and funding functions (eg securitization),
and government and regulatory authorities and other organizations, as required
or authorized by law.
5.5. We may transfer our customer
database, including personal information, to a third party who acquires all or
substantially all of the assets or stock in our company or our website service
whether by merger, acquisition, reorganization or otherwise.
Gaining access to information we hold about you
6.1. We will, on request, provide
you with access to the personal information we hold about you unless there is
an exception that applies under the Privacy Act.
6.2. Your request to obtain access
will be dealt with in a reasonable time. We may recover from you our reasonable
cost of providing you with access.
6.3. If we refuse to provide you
with access to the information, we will provide you with reasons for the
refusal and inform you of any exceptions relied upon under the Privacy Act.
Keeping your personal information up to date
7.1. We take reasonable steps to
ensure that your personal information is accurate, complete, and up-to-date
whenever we collect or use it.
7.2. If any of the personal
information we hold about you is inaccurate, incomplete or out-of-date, please
contact us immediately and we will take reasonable steps to correct this
information or, if necessary, we will discuss alternative action with you.
8.1. We consider that the protection
of all personal information we process is an important responsibility.
8.2. We implement data security
safeguards based upon generally accepted industry standards to protect personal
information from unauthorized access, use, disclosure, alteration, or loss.
8.3. Nonetheless, no data security
techniques are 100% effective and where information is transmitted over the
Internet, there is always some element of risk involved in sending personal
information. We cannot therefore guarantee the security of personal information
transmitted in this way. Nevertheless, once we receive your personal
information, we will take reasonable steps to preserve the security of such
Our website contains links to third
party websites. Please note that we are not responsible for the privacy
practices of such other websites and advise you to read the privacy statements
of each website you visit which collects personal information.
A cookie is a small text file which is transferred on to your computer, smartphone or tablet via your web browser. Cookies are transferred on to your devices permanent storage when you visit our website to enable our own system to recognize you when you visit our website again and to enable us to improve your use of our website.
Cookies may be temporary (or session) cookies, which are only in use while you visit our website and are deleted when you close your browser, or permanent cookies, which stay on your devices permanent storage after you leave our website until you delete them manually or your browser deletes them after a period of time.
We only use a couple of temporary cookies in order to remember you as you use our website, but we also allow third parties (particularly Google) to use analytical cookies (both temporary and permanent) on our websites to compile aggregate information about the areas of our website that are visited most frequently and to track our own advertising. This information is used to enhance the content of our website and make your use of the website easier and to inform us of the success of our own advertising elsewhere on the internet. We do not allow other third party cookies which track your browsing habits in order to allow targeted marketing (or online behavioral advertising) to be used on our website.
Most web browser settings are set for you to accept both our own cookies and third party cookies. However, you are able to adjust those settings (in relation to both our own cookies and those of third parties) to accept the cookies, to prompt you to accept or refuse a cookie each time one is sent, or to reject all cookies outright. We recommend that, for the highest functionality of the website, you accept both our own cookies and third party cookies. Browser settings can be changed in your tool bar. If you wish to opt out of the advertising tracking-related Google cookies (Google DoubleClick) you can visit this Google website page (http://www.google.com/privacy/ads/) and click "Opt out.
If you wish to reject our own cookies, you can configure your browser to do so, but please be aware that if you do, certain functionality of the website may not be available and your use of the website may therefore be diminished.
Deletion of your Personal Information:
We may retain your personal
information for a period of up to 6 years from the date of your last
interaction with us (this could be a sales transaction or some other
interaction with us via our advisors or our website). This is because we may
need to access historical information for regulatory and business reporting
purposes and to administer our service guarantees.
If you have any questions about this
us to stop using your information in any way, or if you wish to gain access to
your personal information or make a complaint about a breach of your privacy, please
Changes to this policy:
If we decide to change this privacy
policy, we will post such changes on this page. You should read this Privacy
Policy from time to time for changes so that you are always aware of what
information we collect, how we use it and under what circumstances we disclose