At Mutual Aid Insurance Brokers Company (MAIBC), we value our relationship with you as a customer. It is our responsibility in protecting and keeping private our customers and partners Personal Information. We place a high priority on your personal privacy and remain committed to protect it.
Principle 1 – Accountability
We are responsible for all Personal Information in our possession or control, whether supplied to us directly by you or by a third party. This does not include the name, title or business address or telephone number of an employee of an organization, or information made available in public records.
If at any time you have a concern about the handling of your Personal Information, then please reach out to our privacy officer.
Principle 2 – Identified Purposes
We will collect, use and disclose Personal Information as is reasonably required to:
- Identify you and ensure the accuracy of your Personal Information;
- Establish and maintain communications with you;
- Provide mutual aid services to you;
- Understand your needs;
- Analyze and assess risks on a prudent basis, which may require us to gather information from prior insurance files, insurance companies, financial institutions and related intermediaries;
- Offer and provide insurance products and services to you;
- Determine and facilitate your payment of premiums and fees;
- Investigate and settle your claims;
- Service your ongoing insurance needs
- Respond to your inquiries and contact you through telephone, email, and other appropriate communication channels;
- Meet regulatory and legal requirements; and
- Protect against fraud or other illegal activities.
We also may collect, use or disclose your information to our affiliated companies, your agent and/or broker, operators of insurance industry databases, government agencies, other insurers, reinsurers, credit bureaus and/or any other person, corporation, firm or enterprise as reasonably required for the purposes stated above.
Information may be collected by entities, or transferred, outside of Canada for processing, storage, analysis or disaster recovery and may be subject to disclosure to those authorized under applicable laws of the foreign jurisdiction.
If we use your information for any other purpose than listed above, we will explain the purpose and obtain your consent.
Principle 3 – Consent
We will obtain your consent for the collection, use or disclosure of your Personal Information except in situations where consent is not required by law. Your consent may be provided expressly (oral or written), implicitly or through an authorized representative. In most cases, your consent may be withdrawn with reasonable notice. If you choose to do so, we will explain the implications of withdrawing your consent.
Principle 4 – Limiting Collection
We will collect, use or disclose your Personal Information that is required to do business with you or as required by law.
Principle 5 – Limiting Use, Disclosure, and Retention
We will not use or disclose your Personal Information for purposes other than those for which it was collected except with your implied or expressed consent or as required by law.
Disclosure within MAIBC
Disclosure to Third Parties
We may share your Personal Information to third parties which may include:
- brokers, agents, adjustors, private investigators, industry databases, government agencies, reinsurers, other vendors, other insurance carriers, regulatory organizations, payment vendors, credit and consumer reporting agencies.
Our Third-Party partners are subject to PIPEDA and other privacy requirements. Only companies with legitimate business reasons will have access to your Personal Information.
Disclosure Outside of Canada
Disclosure To You
We may share information or data with you in regular course of running our business. All information or data we share with you is solely for the purpose of helping you evaluate and potentially place your insurance policy with an insurance company and should not be used or shared with any third parties other than for this purpose.
We will retain your Personal Information only for as long as necessary for the identified Purposes or as required by law.
If we enter talks about a merger, acquisition or asset sale with a third party, we may share Personal Information that is deemed necessary in order to satisfy the business needs of such transactions. We will provide notice on our website if a business transaction is subject to a new privacy statement.
Principle 6 – Accuracy
We will maintain your Personal Informationin our possession and control as accurate, complete, and up to date based on the most recent information available to MAIBC.
Principle 7 – Safeguards
We will maintain reasonable physical, electronic and procedural safeguards to ensure your Personal Information is protected against loss, theft, unauthorized access, disclosure, copying, use or modification.
Principle 8 – Openness
At your request, we will make available information about our policies and procedures relating to the management of your Personal Information. You can contact our Privacy Officer with any requests to access to your Personal Information.
Principle 9 – Individual access
Upon your request, we will inform you of the existence, use and disclosure of your Personal Information which is in our possession and control. You have the right to request changes if required. We will respond to your request within 30 days of receiving your written request.
Refusal of Request for Disclosure
We will make every effort to disclose your Personal Information. If a request for disclose is denied, we will provide an explanation.
Examples of reasons for non-disclosure include:
- Cost Preventative
- Personal Information that contains information about other individuals that cannot be released.
- Commercial Proprietary Reasons
- Legal and Security Litigation Reasons
Principle 10 – Questions
For more information related to our Privacy Principles, or to raise a concern or make an enquiry, please contact:
MAIBC’s Privacy Officer
50 Queen Street North, Suite 705
Kitchener, Ontario N2H 6P4