Privacy Policy

At InsuranceToronto.com, TRUST is the basis of each client relationship.

Our Commitment to Your Privacy

InsuranceToronto.com (“ITO”) has been a trusted provider of insurance and financial services to individuals since 1997. In order to comply with privacy legislation, we have developed this Privacy Policy. Any personal identifiable information about a client* is considered personal information and will be treated in accordance with this Privacy Policy. InsuranceToronto.com does not sell personal information and InsuranceToronto.com staff has been trained to treat personal information carefully and with respect.

Collecting and Disclosing Personal Information

InsuranceToronto.com collects and discloses personal information only for the purposes of serving the insurance related needs of InsuranceToronto.com clients. Among other things, this includes offering and providing insurance and financial products and services to you; evaluating, monitoring and assessing your insurance needs; providing risk management services, underwriting, rating, binding and mailing and emailing of insurance policies and insurance related communications; determining and facilitating your payment of fees and premiums and providing all policy related or administrative services including loss control, compliance with the law or the requests of law enforcement agencies or regulatory requirements and claims investigation, adjustment and coverage assessment; compiling statistics; detecting and preventing fraud or other illegal activities; establishing and maintaining communications with you; newsletters and contests. This also includes collecting and disclosing personal information about you to insurers, legal and financial representatives with respect to the insurance needs of InsuranceToronto.com clients.

Limiting Collection of Retention of Personal Information

InsuranceToronto.com will only collect, use or disclose personal information that is necessary for the uses described in this policy or as required by law. We will retain your personal information as long as necessary for the fulfillment of any of the uses described in this policy.

Safeguards

Your personal information recorded in documents and electronically is securely stored at our office in Richmond Hill, Ontario. InsuranceToronto.com protects your personal information by security safeguards appropriate for the sensitivity of the information.

Consent

With respect to our collection, use and disclosure of your personal information, we rely on your action as indication of your consent to our existing and future personal information practices. Such as your voluntary provision of personal information provided directly to InsuranceToronto.com for the purpose of acquiring an insurance quote or contract or financial service or product including information previously provided to us; your consent or acknowledgement contained within a written, verbal, electronic, text, or facsimile application process; your consent given through your authorized representative such as a legal guardian, lawyer, mortgage or loan lender, real estate agent, car dealership or your power of attorney for a specified purpose.

Given reasonable notice, you may withdraw this consent anytime to InsuranceToronto.com subject to certain legal or contractual restriction. However, in some cases refusing to provide certain personal information could mean we cannot provide you with insurance coverage or other requested products, services or information.

Accuracy, Individual Access and Openness

InsuranceToronto.com is committed to the accuracy of your personal information that it uses or discloses. Upon written request and subject to the following (and other reasonable conditions which may be necessary), we will provide reasonable access to personal information exclusively to the individual to whom it refers. We will not provide access if doing so would likely reveal personal information about a third party; the information is subject to solicitor-client privilege; if revealing the information would reveal confidential health information; if revealing the information could affect the security of another person; if the information relates to the actual or suspected breach of an insurance policy or other agreement or the breach of Canadian law; or if the information was generated in the course of a formal dispute resolution process.

Accountability

We at InsuranceToronto.com are responsible for the personal information within our control and we have designated a Privacy Officer who is accountable for our compliance with this Privacy Policy.

When you call us, we may confirm your identity by asking you to confirm certain personal information and you may be directed to send us certain requests in writing.

Amendments

InsuranceToronto.com may amend this policy from time to time at its discretion. Please contact our Privacy Officer for the most current version.

Privacy Officer

If you have any questions or concerns about the accuracy of your personal information or our Privacy Policy, please contact our Privacy Officer at:

Attention: Lia Avram
Telephone: 905-787-1615
Fax: 905-737-7429

Our Privacy Officer will respond to your request within 30 days. If you become aware that the information we have about you is incorrect, you should notify the Privacy Officer and we will ensure the information is updated, where necessary.

Filing a Complaint

If you are dissatisfied with the privacy policies or practices of InsuranceToronto.co, you should make a written complaint to the Privacy Office. The Privacy Officer will investigate the matter and take corrective action where necessary. The Privacy Officer will report back to you and advise you of any steps taken to correct the problem.

*In our Privacy Policy, “client, “you” or “your” includes any individual who has requested, applied for or been supplied services or products (including quotes and claims services) by InsuranceToronto.com and its insurance brokers including any other individual for whom the client has acted as spouse, guardian or representative.