Privacy Policy

Ives Insurance Brokers Ltd. Privacy Policy is committed to protecting your privacy. The following Privacy Policy describes how we collect, store, use and share information about Users of our websites (the “Website”). The terms “user” and “you” refer to visitors of the Website for the use or potential use of services. Please review carefully so that you understand our privacy practices.

 

This Privacy Policy was last changed on July 29, 2019. If you have any questions about this Privacy Policy, please contact us at as per the contact information below at Ives Insurance Brokers Ltd.

Consent

Your use of the Website and/or Services constitutes acceptance of and agreement with this Privacy Policy. If you do not accept this Privacy Policy, do not use our Website or our Services.

 

Collection Personal Information

The information we collect depends on the insurance products you apply for and buy, the services you have access to and use, the payment method you use, the information and the way you communicate with us. We use your personal information to provide you with Services, to administer our client database, to communicate with you and respond to inquiries, for identification and authentication purposes and for service improvement. Ives Insurance Brokers Ltd. does not disclose your information to any third party to enable them to market their products or services.

 

Information collected for insurance quotations:

 

We collect personal information from you when you enquire about the insurance products we sell, request a quote, apply for insurance, make a payment, or open a claim under your insurance policy. This information will include details of your business including such as items as physical location, type of business, number and profession of employees, sales, claims history and any other pertinent information to allows us to provide you with a detailed insurance product. We may also require personal information; such as your name, contact information, marital status, driver’s license, vehicle or property descriptions, loan or mortgage details, and payment or banking information for payment.

 

Third-Party Information Collection

 

We also collect information from several third parties as permitted by law. These may include insurance companies, other insurance agents and brokers, government bodies, consumer reporting agencies, insurance adjusters, and other third parties who can provide information about or services related to you or your business or any insured vehicle or property. When we do so, we do it with your consent, or otherwise, confirm the third party lawfully collected the information and can share it with us. This information includes personal information such as (but not limited to) claims history, driving record, accident or incident reports, witness statements, medical records, claims adjuster statements.

 

Information provided through communication with you directly

 

We may record calls, online chats and other communications between us to ensure quality customer service, confirm our discussions and your instructions, resolve complaints, and train our staff. If you do not want your communications recorded, you can do business with us by visiting one of our offices, or by writing or emailing us.

 

Consenting for others

 

We may ask you for information about other persons covered by your insurance. When you give us information about another person, we expect you to ask for their permission to do this and consent to this Privacy Promise on their behalf.

 

Disclosure of your information

 

Under certain circumstances, Ives Insurance Brokers Ltd. will disclose your personal information. Ives Insurance Brokers Ltd. will disclose your personal information to the extent that this is legally required, or necessary for the establishment, exercise or defense of legal claims and legal process; or in the event of an emergency pertaining to your health and/or safety. Some of these circumstances may include:

  • when we are required or authorized by law to do so, for example, if a court issues a subpoena;
  • when you have consented to the disclosure;
  • where it is necessary to establish or collect fees;
  • if we engage a third party to provide IT services to us (like computer back-up services or archival file storage) and the third party is bound by our privacy policy, please note that such service provider(s) may be located outside of Canada;
  • in connection with a change of control transaction;
  • if the information is already publicly known.

We may employ third party companies and individuals to facilitate or provide the Service on our behalf (for example claims adjusters), to process payment, provide customer support, to perform Website-related services (e.g., without limitation, maintenance services, database management, web analytics and improvement of the Website’s features) or to assist us in analyzing how our Service is used. These third parties have access to your personal information only to perform these tasks on our behalf and are contractually bound not to disclose or use it for any other purpose. Our service providers store information in Canada and accordingly your personal information may be available to Canadian governments or agencies under a lawful order, irrespective of the safeguards we have put in place for the protection of your personal information.

 

When we disclose your personal information to third parties, we require them to protect and handle your personal information in a manner consistent with our privacy practices and all applicable laws. These third parties may at times process and store your information outside of Canada. If your personal information is processed or stored in a foreign country, it will be subject to that country’s laws and may be disclosed in accordance with those laws.

 

Management of the Website

 

When you visit our Website, we may process technical data such as your IP address, visited webpages, the internet browser you use, your previous/next visited the website and the duration of a visit/session to enable us to deliver the functionalities of the Website. This data enables us to manage and improve the Website.

 

Security

 

Ives Insurance Brokers Ltd. has taken appropriate technical and organizational security measures against loss or unlawful processing of your personal data. We use standard, industry-wide, commercially reasonable security practices such as encryption, firewalls and SSL (Secure Socket Layers) as well as physical safeguards of the locations where data are stored. However, as effective as encryption technology is, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that information you supply won’t be intercepted while being transmitted to us over the Internet. Any transmission of information by you to Ives Insurance Brokers Ltd. is at your own risk. We recommend that you do not disclose your password to anyone.

 

Cookie Policy

 

The Website uses “cookies”. A cookie is a small text file that we place on your computer or mobile device to enable various features of the Website. You can change your cookie settings to accept or not accept cookies in your browser settings.

 

Management of any Third-Party Websites.

 

When you use any of our Apps or Quotation Websites, we may process technical data such as your IP address, viewed screens, accessed features, actions you perform, and the duration of your usage/session to enable us to deliver the functionalities of the App or Quotation Systems and analyze its usage. We utilize third-party services to help us capture and store this data for later analysis (‘Analytics’). This data enables us to manage and improve the App. At no time is your personal information shared with these third parties. You can always opt-out of Analytics at any time by adjusting the appropriate opt-out setting.

 

Registration for Communications

 

By signing up and entering your email address on our site you are consenting to receive Ives Insurance Brokers Ltd. communication containing news, updates, and promotions. If you register, we may collect your name, email address, country, language, mobile phone number, IP-address, MAC-address, and address. We will use your contact details to send you a welcoming email, to communicate with you in response to your inquiries, and to send you service-related announcements.

 

Processing Payments

 

First Insurance Funding of Canada processes any monthly payments. Please refer to their website at https://www.firstinsurancefunding.ca/

 

Marketing

 

Management Information and Statistical Data

 

Ives Insurance Brokers Ltd. uses your personal information in an anonymized and aggregated form to closely monitor which pages of the Website are most frequently visited, which features are used most, to analyze usage patterns and to determine where we should offer or focus our Service. We may share this information with third parties for industry analysis and statistics.

 

Administrating Public Forums

 

The Website may offer publicly accessible blogs and community forums. If you choose to post a comment on such blogs or forums, we will ask for personal information such as your name and email address. You may provide us with just your first name or a pseudonym. Please be aware that the name you provide will be publicly posted and associated with your comment. Your email address will not be published. To request removal of your personal information from our blog or community forum, please contact us at service@ivesinsurance.com

 

Advertisements

 

Advertisements appearing on the Website may be delivered by us or one or more third-party web advertisers. These third-party web advertisers may set cookies. These cookies allow the advertisement server operated by that third party to recognize your computer each time they send you an online advertisement. Accordingly, advertisement servers may compile information about where or whether you viewed their advertisements and which advertisements you clicked on. This information allows web advertisers to deliver targeted advertisements that they believe will be of most interest to you. The Privacy Policy applies to cookies placed on your computer by us, but does not cover the use of cookies by any third-party web advertisers. For the privacy practices of such third-party web advertisers, you should consult the applicable privacy policy for the relevant third-party web advertiser(s).

 

Your rights

 

You have the right to request correction of your personal information. You also have a right to access your personal information under our control, subject to any legal restrictions or rights of refusal. However, if you exercise this access right, we may charge you a reasonable fee for copying and sending the information from your file. If you want to access your file or have it corrected, please contact our office directly. It may not always be possible for us to comply with your request, for instance, if we are under a legal obligation to maintain your personal information.

 

Withdrawal of your consent.

 

You may withdraw your consent to the collection, use and disclosure of your personal information, subject to certain limitations. However, if you do so, we may not be able to continue to provide you with our insurance products and services, or our best rate on your insurance policy. If you want to withdraw your consent, please contact our office directly.

 

Retention

 

Unless specified otherwise in this Privacy Policy, we will retain your information for seven (7) years as required by the Registered Insurance Brokers of Ontario Association (RIBO) and the Financial Institutions Supervisory Committee in Canada (FISC). After the deletion of your account, we will anonymize your data, unless these data are necessary to comply with a legal obligation or resolve disputes.

 

Changes in this Privacy Policy

 

We may update this privacy statement to reflect changes to our information practices. We encourage you to periodically review this page for the latest information on our privacy practices.

 

Questions:

 

For questions or concerns about this Privacy Promise, or our privacy practices, visit our contact page please contact our Privacy Officer at:

 

CONTACT DETAILS

Ives Insurance Brokers Ltd.

Head Office – Essex

347 Maidstone Ave. E.

P.O. Box 369

Essex, ON N8M 2K1

Phone: 519-776-7371

Fax: 519-776-4451

Email: service@ivesinsurance.com