At Manders Cherewyk Insurance Brokers, we want to assure you that we make every effort to protect your privacy and the confidentiality of the information you provide us. As an accredited Insurance Broker, we deal with sensitive data and are entrusted with your most personal information. We, as a company, do everything we can to minimize your risk.
In an ever changing technology and legislative environment, we are committed both to educating our staff and fostering a culture of awareness and diligence.
You, as an individual, have a right to know how your broker collects, uses and discloses personal information. You have a right to expect that, to the best of our ability, your personal information held by us remains accurate, confidential and secure.
Our privacy commitment includes ensuring the accuracy, confidentiality, and security of our clients' personal information and allowing our clients to request access to, and correction of, their personal information.
This commitment extends to our online presence:
Our web site doesn't use cookies* or track and report usage to any remarketing services.
We offer online payment capability through PayPal, who provide their own Privacy policy. If you wish to take advantage of this service, we'd recommend that you refer to their page if you're concerned about how your information is treated.
We don't recommend or solicit exchanging Credit Card or any User-ID/Password information via e-mail.
* An HTTP cookie (also called web cookie, Internet cookie, browser cookie or simply cookie) is a small piece of data sent from a website and saved on the user's computer by the user's web browser while the user is browsing. Click here for more information.
Collecting Personal information
1.1 Unless the purposes for collecting personal information are obvious and the client voluntarily
provides his or her personal information for those purposes, we will communicate the purposes for which personal information is being collected, either orally or in writing, before or at the time of collection.
1.2 We will only collect client information that is necessary to fulfill the following purposes:
To verify identity
To verify creditworthiness
To identify client preferences
To understand the insurance needs of our clients
To open and manage an account
To ensure a high standard of service to our clients
To meet regulatory requirements
To Collect and process payments
Consent
2.1 We will obtain client consent to collect, use or disclose personal information (except where, as
noted below, we are authorized to do so without consent).
2.2 Consent can be provided orally, in writing, electronically, through an authorized representative or
it can be implied where the purpose for collecting using or disclosing the personal information would be considered obvious and the client voluntarily provides personal information for that purpose.
2.3 Consent may also be implied where a client is given notice and a reasonable opportunity to
opt-out of his or her personal information being used for mail-outs, the marketing of new services or products and the client does not opt-out.
2.4 Subject to certain exceptions (e.g., the personal information is necessary to provide the service or
product, or the withdrawal of consent would frustrate the performance of a legal obligation), clients can withhold or withdraw their consent for Manders Cherewyk to use their personal information in certain ways. A client's decision to withhold or withdraw their consent to certain uses of personal information may restrict our ability to provide a particular service or product. If so, we will explain the situation to assist the client in making the decision.
2.5 We may collect, use or disclose personal information without the client's knowledge or consent in
the following limited circumstances:
When the collection, use or disclosure of personal information is permitted or required by
law;
In an emergency that threatens an individual's life, health, or personal security;
When the personal information is available from a public source (e.g., a telephone
directory);
When we require legal advice from a lawyer;
For the purposes of collecting a debt;
To protect ourselves from fraud;
To investigate an anticipated breach of an agreement or a contravention of law
Using and Disclosing Personal information
3.1 We will only use or disclose client personal information where necessary to fulfill the purposes
identified at the time of collection or for a purpose reasonably related to those purposes such as:
To conduct client surveys in order to enhance the provision of our services;
To contact our clients directly about products and services that may be of interest.
3.2. We will not use or disclose client information for any additional purpose unless we obtain consent
to do so.
3.3 We will not sell client lists or personal information to other parties unless we have consent to do
so.
Retaining Personal Information
4.1 if We use client personal information to make a decision that directly affects the client, we will retain that personal information for at least one year so that the client has a reasonable opportunity to request access to it.
4.2. Subject to policy 4.1, we will retain client personal information only as long as necessary to fulfill the identified purposes or a legal or business purpose.
Ensuring Accuracy of Personal information
5.1 We will make reasonable efforts to ensure that client personal information is accurate and
complete where it may be used to make a decision about the client or disclosed to another organization.
5.2 Clients may request correction to their personal information in order to ensure its accuracy and completeness. A request to correct personal information must be made in writing and provide sufficient detail to identify the personal information and the correction being sought.
5.3 If the personal information is demonstrated to be inaccurate or incomplete, We will correct the information as required and send the corrected information to any organization to which we disclosed the personal information in the previous year. If the correction is not made, we will note the clients' correction request in the file.
Securing Personal Information
6.1 We are committed to ensuring the security of client personal information in order to protect it from unauthorized access, collection, use, disclosure, copying, modification or disposal or similar risks.
6.2 The following security measures will be followed to ensure that client personal information is
appropriately protected:
Client personal information is only accessed by employees of Manders Cherewyk Insurance Brokers.
6.3 We will use appropriate security measures when destroying clients' personal information such as
paper documents are shredded and electronically stored information is deleted.
6.4. We will continually review and update our security policies and controls as technology changes to
ensure ongoing personal information security.
Providing Clients Access to Personal information
7.1 Clients have a right to access their personal information, subject to exceptions such as but not
limited to solicitor-client privilege, where disclosure would reveal personal information about another individual, or health and safety concerns.
7.2. A request to access personal information must be made in writing and provide sufficient detail to
identify the personal information being sought
7.3. Upon request, we will also tell clients how we use their personal information and to whom it has
been disclosed if applicable.
7.4 We will make the requested information available within 30 business days, or provide Written
notice of an extension where additional time is required to fulfill the request.
7.5. A minimal fee may be charged for providing access to personal information. Where a fee may
apply, we will inform the client of the cost and request further direction from the client on whether or not we should proceed with the request.
7.6 If a request is refused in full or in part, we will notify the client in writing, providing the reasons for
refusal and the recourse available to the client.
Questions and Complaints: The Role of the Privacy Officer or designated individual
8.1 Manders Cherewyk Insurance Brokers is responsible for ensuring compliance with this policy and
the Personal Information Protection Act.
8.2 Clients should direct any complaints, concerns or questions regarding in writing to the Manders
Cherewyk Insurance Brokers. If we are unable to resolve the concern, you may also contact the Federal Privacy Commissioner, 112 Kent Street Ottawa, Ontario K1A 1H3, Te: 1-613-995-8210 Toll free: 1-800-282-1376
Contact information for Manders Cherewyk Insurance Brokers Privacy Officer:
Tynan Cherewyk
204-269-7032
tynan@manderscherewyk.com