Collection of Information
The website collects personally identifiable information such as names, age, sex mailing addresses, email addresses, and financial information only when voluntarily submitted by users. The information collected is used to provide a specific service and is only used to fulfill the specific request unless the user gives us express permission to use it in another manner.
Purpose of Collecting Information
When the user submits an insurance proposal it contains personal information that will allow us to decide whether to accept or to refuse the request. Other personal information may be required to enable us to fulfill and honor the user request. As part of our business, the personal information we receive can be used for many different purposes. However, regardless of what we intend to do with this information, the user will be informed, and their consent always is required.
This website is being operated by Financial Security Advisor licenses in Quebec, Canada and certified by AMF (Autorité des marchés financiers) – Liliana Paraschiva Danila.
On the website, we request consent to collect use or share personal information. Consent can be written verbal, or electronic. Consent must be manifest free and must be given for a specific purpose. Anyone can withdraw consent, at any time. Withdrawing or refusing to disclose personal information could restrict access to insurance services and products. Also, insurance applications submitted online maybe refused if personal information is not disclosed. If you wish to opt out of any form of future communications, either by email or by telephone, please advise us as such during initial contact.
Use of Information
The website may use your personal information for the following purposes to:
- contact the user to send information they have requested
- send the user copies of the insurance quotes and rates they have requested
- send the user newsletters and other electronic communication that they have subscribed
- respond to the user questions and requests.
- conduct and administer surveys, or promotions and contests
- Otherwise with their consent or as permitted or it quiet by law.
Distribution of Information
In some cases, we may share information with a governmental agency and other companies in order in order to assist us in fraud prevention or fraud investigation. We may do as such when:
- Required by law when:
- trying to protect against real or potential fraud
- protecting against unauthorized transactions,
- investigating incidents of fraud that have already occurred
Information gathered under such circumstances is not provided to outside companies for marketing purposes. In order to provide the users with proper service, we require them to provide us with relevant personal and financial information. We will not collect any data about the users unless they have consented to provide it to us. Information may be passed on to qualified and licensed third parties in order to properly process the user application. And, provide them with an up to date, efficient and reliable service. By submitting the data, the users agree to this distribution of information.
Cookie and Tracking Technology
This website uses cookie and tracking technology dependant on the features offered. They are useful for gathering information, such as your browser type and operating system. Plus, allows us to track the number of visitors to our website and how this website is used. Cookies might also help customize the features of the site. Note that personal information is not collected by cookies or tracking technology. However, personal information may be tied to it. Aggregate cookies and tracking information may be shared with third parties. Note that we have display advertising implemented for us across our side. These types of advertisements are displayed using remarketing technology through Google Analytics and Facebook pixel. Third-party vendors, as Google and Facebook included, display our advertisements across the Internet.
Commitment to Data Security
Your personal information is kept secure. Only authorized employees and contractors, we have agreed to keep information secure and confidential, have access to this information. Any changes to this policy will be posted upon such changes.
This policy is effective as of October 17, 2018.