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FAIR INSURANCE BROKERS LIMITED
PRIVACY POLICY
As professional Insurance Brokers, we at Fair Insurance Brokers
Limited are committed to providing excellent customer service.
An important part of this is to ensure the accuracy and security
of all personal information that we collect and use. This document
outlines our privacy policies according to the 10 principles of
the Personal Information Protection and Electronic Documents
Act, (hereinafter referred to as "the Act") that
takes effect January 1, 2004 in respect to Insurance Brokers.
1. Accountability
Fair Insurance Brokers Limited is responsible for personal information
in its possession and has a designated Privacy Officer who is
accountable for its compliance with the Act. Our Chief Privacy
Officer is Susan Warren who can be reached at swarren@fairinsurance.com
or 1-888-234-3247 ext. 225
2. Identifying Purposes
We collect, use and disclose personal information for the following
reasons:
- Offering and providing insurance and related products and
services to customers.
- Underwriting and assessing risks in accordance with lawful
requirements.
- Providing insurance companies with necessary information to
investigate and pay claims
- As may be required and authorized by law
3. Consent
Fair Insurance Brokers Limited requires the consent of its customers
when they request personal information. This may not be in writing
and unless the customer requires further information consent will
be implied.
Customers will be notified that they can withdraw consent at
any time, with reasonable notice, and Fair Insurance Brokers Limited
will inform them of the consequences. In some cases refusing to
provide certain personal information or withdrawing consent could
mean that Fair Insurance Brokers cannot or can no longer provide
customers with the service and product of their choice. The policy
or policies may be cancelled. If there is more than one named
insured on any policy the withdrawal of consent by one may cause
the cancellation of all named insureds. They will also be notified
if any new purpose for personal information arises and their consent
requested accordingly.
4. Limiting Collection
Fair Insurance Brokers Limited limits the personal information
we collect. We will only collect personal information for the
identified purposes or as required by law.
We may ask for the following information about customers, including
(but not limited to):
- Basic information such as name, address, telephone/fax number,
birth date and marital status
- Claims history
- Driver's record
- Details about property such as its value and contents
- Past payment and credit records
- Medical information (depending on the type of insurance customers
are applying for)
- Employment information
- Information regarding customers' business such as payroll
and financial statements (depending on the type of insurance
customers are applying for)
Subject to customers consent, we may obtain this information
from:
- Customer
- Insurance Companies
- Other Insurance Brokers or Agents
- Motor vehicle and driver licensing authorities
- Financial institutions and credit organizations
- Medical professionals
5. Limiting Use, Disclosure and Retention
Fair Insurance Brokers Limited will only use or disclose personal
information for the identified purposes unless a customer gives
consent to use or disclose for another reason or we are permitted
or required by law.
Fair Insurance Brokers Limited will keep personal information
only as long as necessary to satisfy the identified purposes or
legal requirements. We will securely dispose of this personal
information when no longer required or when a customer revokes
consent.
6. Accuracy
Fair Insurance Brokers Limited will maintain personal information
as accurate, complete and current as is necessary for the identified
purposes.
Customers may challenge the accuracy of their personal information
and request that it be amended as appropriate. In some cases a
written request may be required.
7. Safeguards
Fair Insurance Brokers Limited will protect your personal information
by security safeguards that are appropriate.
8. Openness
Fair Insurance Brokers Limited is open about the policies and
procedures it uses to manage personal information. We will provide
customers access to information about these policies and procedures.
9. Give Individuals Access
When a customer makes a request Fair Insurance Brokers Limited
will advise them of what personal information we have, what it
is being used for and to whom it has been disclosed. In some cases
a written request may be required. In rare circumstances we may
deny such access as required by law and will advise the customer
accordingly in writing.
10. Provide Recourse
Customers may contact their customer service representative for
inquiries or amendments to their personal information. Challenges
to our compliance with this declaration and/or related complaints
should be directed to our Chief Privacy Officer, Susan Warren
at swarren@fairinsurance.com,
1-888-234-3247 ext. 225 (phone) or 905-773-2272 (fax)
Customers will also be fully informed of their right to lodge
a complaint with the Privacy Commissioner of Canada at:
The Privacy Commissioner of Canada
112 Kent Street
Ottawa, Ontario. K1A 1H3
Telephone: 1 - (613) - 995-8210
Toll-Free 1 - (800) - 282-1377
Fax: 1 - (613) - 947-6850
Web site: www.privcom.gc.ca
E-mail: info@privcom.gc.ca
More: Fair Insurance Privacy Forms
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