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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.
Personal Information Collected
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
address, birth date 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 professionals
Why do we collect personal information?
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 personal 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
- Protect us both against error or fraud.
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. For example, the organization that carries your mortgage.
How 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 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
Privacy Internet Communication
As the privacy of communication over the Internet cannot be guaranteed, we do not
assume any responsibility for any harm, loss, or damage that might occur by the
sending of personal and confidential information.
Cookies
A cookie is a piece of data stored on the user’s hard drive
containing information about the user. Usage of a cookie is in no way linked to any personally
identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not
have to log in a password more than once, thereby saving time while on our
site. If a user rejects the
cookie, they may still use our site. The only drawback to this is that the user may be limited in some
areas of our site. Cookies can also enable us to track and target the
interests of our users to enhance the experience on our site.
Use of Your Email Address
We may occasionally send you email updates about new additions and/or
features on our website.
If you receive such an email, and wish to be removed from a mailing list,
just follow the instructions contained in the email. Your email address is not sold to third parties.
Consent
In using this site, you signify your consent to our privacy policy. If you are not
in agreement, please do not use the site. We reserve the right, at our discretion,
to update, change, modify, add, or remove this policy from time to time, as appropriate.
Should we make changes, we will publish these on the site in a timely fashion.
Please do not hesitate to contact our Privacy Officer should you have any questions.
Our Privacy Officer may be contacted as follows:
Name of Organization: St. Andrews Insurance Brokers Ltd.
Privacy Officer: Frank DiIlio
216 Chrislea Road, Suite 402
Woodbridge, Ontario
L4L 8S5
Upon request, an individual will be informed of the existence, use, and disclosure
of his or her personal information which is under our control, and may be given
access to, and challenge the accuracy and completeness of that information.
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