Privacy Policy
Protecting your ‘Personal Information’ is our highest priority. We understand your right to know how your information is used.
Dedicated to safeguarding your confidential information (‘Personal Information’), Choice Insurance follows privacy laws applicable across Canada. Moreover, this includes the Personal Information Protection and Electronic Documents Act. This Privacy Policy details how we collect, use, and disclose your personal information. Upon applying for insurance, you must sign an Insurance Policy Agreement. This agreement follows the policies about collecting, using, and disclosing personal information.
How Choice Insurance Collects and Uses Your Personal Information?
When you fill out the contact form for an insurance quote, our Aggregator collects your basic information. When our agent contacts you, the data collected includes your date of birth, contact details (email address and mailing address), payment details, home address, and an asset to insure (and related parties). The Insurance Broker or Aggregator uses the collected information to analyze your application and devise a personalized insurance solution.
Under the signed agreement, your information is used for the following Defined Purposes:
- Eligibility and approval of your insurance application;
- Determining the best quote and offers that suit your insurance needs;
- Collection of fees and premiums;
- Authentication of your information and verification of your identity (via bank account details shared with us);
- Investigating and settling claims;
- Detecting fraud and preventing illegal activities;
- Meeting legal, security, and self-regulatory requirements as stated by applicable law;
- For compiling statistics and data collection to perform market research.
In case of non-disclosure of personal information or ending consent agreement with Choice Insurance to collect, use and disclose your information, we will not be able to offer you insurance quotes, offers, and coverage.
Protecting Your Privacy for Online Accounts
When you get an online insurance quote, the Insurance Broker will ask for your email address and password to create an account in your name. Hence, the account only allows you to access your insurance quote, policies, and related details. It is imperative to familiarize yourself with our Terms and Conditions regarding protecting your login credentials. Our broker never asks you to disclose your password via phone calls, emails, or letters. We highly recommend not disclosing your password on calls or emails.
We only collect information through transparent and legal means. Thus, we highly recommend not disclosing your passwords and personal data in cases of fraudulent calls or emails. Please Contact Us directly with our provided number to resolve any ambiguous activities.
How is Your Personal Information Managed and Disclosed by Us?
Choice Insurance only collects necessary personal information for Defined Purposes or as per legal requirements. But if we need the personal information for additional purposes, your consent is taken before disclosing any personal data. We retain and manage your personal information for as long as you are affiliate with us through an insurance policy
Disclosure to Service Providers
Choice Insurance may share your personal information with the service providers, insurance agents, and Choice affiliates who provide services on our behalf. These service providers use personal information for data processing, administrative purposes, and warehousing. They also process information on our behalf as defined in the Privacy Policy. Additionally, we implement contractual and legal measures to protect your information when shared or processed by service providers, agents, and affiliates. This is under Canada’s legal privacy requirements.
Affiliates
Some basic personal information may be shared with our affiliates (within or without Canada) for yearly audits, debt collection, and administrative purposes. We may transfer your personal information to our affiliates so they can share knowledge of their products and services with you. However, you cannot disclose your personal information for any marketing purposes. You can contact us to revise your consent.
Business Sales
Personal information is subject to be used by parties concerned with financing, protecting, insuring, or selling of Choice Insurance business or assets, for the purposes of evaluation or transaction. The purposes are mentioned herein:
- Allowing the service providers or concerned parties to determine if the transaction should be processed; and to fulfill the inspection, reporting, and auditing requirements of the parties.
- Successors or assignees of Choice Insurance business or assets will use and disclose the personal information according to the Defined Purposes stated in our Privacy Policy.
Who Has Limited Access To Your Personal Information As Per Privacy Policy?
Prioritizing your security, Choice Insurance will only provide limited personal information to concerned individuals or parties as per need.
- Call operators ha access to databases for the sole purpose of verification of your identity;
- An insurance broker is provided limited information required to provide best-suited services to you;
- Independent insurance brokers and adjusters are provided information for the purpose of the processing claims;
- Government authorities, medical organizations, insurance carriers, vendors, and claims investigation servicemen use the information to assist in the verification and processing of claims;
- Other parties with whom you have consented to share information, or as per legal requirements.
Provision of Consent
Choice Insurance identifies the following actions taken by you as your consent to agreeing to our Privacy Policies about using your Personal Information:
- When you voluntarily provide Personal Information to Choice Insurance through contact form or phone call to one of our representatives for the purpose of getting an insurance quote, contract or other services;
- You express acknowledgement or consent for the use of information provided in a verbal, written or online application form;
- Your consent is provided through an authorized representative on your behalf, including a legal guardian or holder of the power of attorney;
- Your provision of consent that’s requested by Choice Insurance for a specific purpose.
You can withdraw your consent to sharing of Personal Information at any time under legal and contractual restrictions. You must contact Choice Insurance to understand the consequences of consent withdrawal.
Provision of Accurate Data
Choice Insurance demands provision of updated Personal Information that is required for insurance purposes. If there is a change in your personal information, we request you to update us for smoother processing of claims at the time of need.
Data Protection and Preservation Measures
We have established suitable managerial, technological, and physical precautions to protect the Personal Information under our supervision from theft, loss, unauthorized access, modification, and disclosure. Access to your Personal Information is granted only to employees and authorized service providers who need it to perform their job duties. Our Personal Information preservation procedures are intended to keep customer data for no longer than needed for the stated objectives or to comply with legal requirements (which may persist even after your association with us has ended).
Updation of Privacy Policy
The Privacy Policy is subjected to periodic updates to accommodate alterations in our handling of Personal Information practices. The revised Privacy Policy will be displayed on our website. The treatment of your Personal Information will adhere to the Privacy Policy that was effective when your data was initially gathered, unless you provide separate consent.
Contact Us
If you have any concerns, comments, or questions regarding our Privacy Policy, you can reach out to our Privacy Officer at choice@insurebc.ca or +1 (604) 502-7700.
Your trust matters to us, and we will always strive to protect your personal information and data privacy.
Need some help?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
