Privacy Statement

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Your Privacy Matters.

InsuredNow.ca is committed to protecting the privacy and confidentiality of the personal information of our clients and website visitors. We adhere to British Columbia's Personal Information Protection Act (PIPA) and the federal Personal Information Protection and Electronic Documents Act (PIPEDA).

Collection, Use, and Purpose of Personal Information

We collect, use, and retain personal information solely for the purposes of providing you with insurance products and services, assessing your needs, administering policies, and meeting regulatory requirements.

We collect only the information necessary for these purposes, which may include:

Name, contact details (address, phone number, email).
Date of birth, occupation, and identification numbers (e.g., driver's license number).
Financial information and credit history for premium assessment.
Health information for life or health insurance applications.
Claims history and driving records.
Website usage data, such as cookies, to improve our website's functionality (if applicable).

We will inform you of the purposes for which your information is being collected at or before the time of collection.

Consent

We obtain your knowledge and consent for the collection, use, and disclosure of your personal information, except where required or permitted by law. Your consent may be express (written or verbal) or implied (e.g., providing information to obtain a requested service).

You may withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice. Withdrawing consent may prevent us from providing certain products or services.

Disclosure and Retention of Personal Information

We do not sell or share your personal information with third parties except as necessary to fulfill the identified purposes or as required by law. This may include disclosure to:

Insurance companies and Managing General Agencies (MGAs) to facilitate the sale and administration of insurance products.
Service providers (e.g., adjusters, home inspection firms) under strict confidentiality agreements.
Regulatory bodies, such as the Insurance Council of British Columbia, or law enforcement agencies when legally required.

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law.

Accuracy and Safeguards

We make reasonable efforts to ensure your personal information is accurate, complete, and up-to-date.

We protect your information using appropriate physical, organizational, and technological security measures, including passwords, encryption, and restricted access to offices and systems, to safeguard it against loss, theft, and unauthorized access or disclosure.

If we use service providers located outside of Canada, your information may be subject to the laws of that foreign jurisdiction, and we will use contractual measures to ensure a comparable level of protection.

Individual Access and Correction

You have the right to request access to the personal information we hold about you and to ask for corrections if you believe it is inaccurate or incomplete.

Challenging Compliance and Complaints

If you have any questions or concerns about our privacy practices, please contact us. If we are unable to resolve your concern, you have the right to contact the Office of the Information and Privacy Commissioner of British Columbia.