Privacy Policy

Welcome to the website operated by InsureBC (“InsureBC,” “we,” “us,” or “our”). This website (the “InsureBC Website” or the “Website”) provides general information about InsureBC and its products and services.

Your privacy is very important to us. We have implemented the required elements to comply with British Columbia, Alberta, and Canadian privacy regulations, and—where applicable—GDPR. This Privacy Policy explains how we collect, use, share, and protect your personal information, and the rights and options you have with respect to this information. By using our Website, you agree to this Privacy Policy in its entirety.

1. Scope and Acceptance

1.1 Scope
This Privacy Policy covers the personal information practices for visitors to, or users of, the Website, including:

• (i) accessing or using the Website;
• (ii) receiving email from us;
• (iii) registering on the Website to receive related products and/or services from us; and/or
• (iv) applying for or purchasing insurance products or services.

1.2 Subsidiaries and Affiliates
InsureBC and its subsidiaries, affiliates, and divisions—including Insureityourself Insurance Services Ltd. (“Insureityourself”)—are featured on our Website. Insureityourself is a licensed insurance broker that fulfills online insurance product sales offered through insurebc.ca and shop.insurebc.ca. The personal information you provide may be placed in the databases of InsureBC and Insureityourself.

1.3 Acceptance and Changes
By using the Website and/or providing us with your personal information, you acknowledge and agree to the terms of this Privacy Policy. We reserve the right to modify this Privacy Policy at any time. If we make material changes, we will notify you by email or another acceptable method under applicable law. We will only use your personal information in ways materially different from those described here where you opt in to such changes.

2. Collection of Information

We collect and combine information about you and the devices you use to access our services. This information may be:

• Information You Provide Directly: Such as when you request a quote; apply for, purchase, or modify coverage; create or modify an account; sign up for a newsletter; contact customer support; respond to a survey; or otherwise communicate with us. Examples include:
  • Name, email address, phone number, postal address
  • Payment information (e.g., credit card details), financial account numbers
  • Home/auto/business information, previous insurance claims history
  • Survey responses or other data you choose to share
• Information Collected Through Your Use of Our Services: We use cookies and similar technologies to track usage data, device information (e.g., IP address, operating system, browser type), and the features or pages you interact with on our Website. See Section 7 (Cookies) for more details.
• Information Obtained from Third Parties: We may also obtain information about you from reliable partner organizations or publicly available sources, which we combine with information we have collected directly from you or your device.

3. Legal Bases for Processing (GDPR Notice)

Where the GDPR applies, we process your personal data under one or more of the following legal bases:

• Consent: You have given clear consent for us to process your personal data.
• Contract: Processing is necessary to provide insurance quotes or services at your request.
• Legal Obligation: Processing is required to comply with a legal obligation.
• Legitimate Interests: Processing is necessary for our legitimate interests (e.g., improving our products, detecting fraud) and is not overridden by your data protection interests.

4. Usage of Personal Information

We use personal information for the following purposes (collectively, our “Services”):

1. Providing Customer Service: Responding to inquiries, processing transactions (including quotes, policy applications, payments, and modifications), and enabling communications about your insurance policy or claims.
2. Improving and Personalizing Your Experience: Analyzing how you interact with the Website to personalize content, offers, and communications.
3. Internal Business Analytics: Conducting data analysis to evaluate website traffic, measure advertising effectiveness, and enhance the usefulness of information on our site.
4. Compliance and Legal: Meeting our obligations under applicable laws and regulations, including responding to legally valid requests from regulators or authorities.
5. Marketing and Promotional Communications: Sending emails and other communications about discounts, safety tips, new products or services, and events that may be of interest. You can opt out of these communications at any time.

No Selling of Personal Information
We do not sell your personal information. We only share or disclose it as needed to facilitate the Services you request or where otherwise required by law, as detailed below.

5. Sharing of Information

5.1 Within Our Corporate Family
We may share the information we collect with our parent company (InsureBC), subsidiaries, or affiliate entities (such as Insureityourself). These entities are required to handle your personal information in accordance with this Privacy Policy.

5.2 Third-Party Service Providers
We engage third parties to perform various functions (e.g., hosting our Website, processing payments, sending communications on our behalf, etc.). Such providers may access your personal information to the extent necessary to perform services for us. They must keep your personal information confidential and are prohibited from using it for any purpose other than providing services on our behalf or as required by law.

5.3 Insurance Industry Partners
Where you request or purchase specific insurance products or services, we may share relevant personal information with insurance carriers, underwriters, or other licensed brokers to assess eligibility, costs, or coverage details.

5.4 Legal Compliance and Protection
We may disclose your personal information:

• To comply with a legal or regulatory obligation, or lawful requests by public authorities;
• To protect the rights, property, or safety of InsureBC, our customers, or others, including enforcing agreements or policies, or investigating fraud;
• In connection with the sale, merger, acquisition, or transfer of all or part of our business (in which case we will provide notice before personal information is transferred or becomes subject to a different privacy policy).

5.5 Analytics and Advertising Services
We may allow reputable analytics service providers or advertising networks to collect information via cookies, pixels, or SDKs. These entities may track your interaction with our Website and other online services to measure and optimize advertising campaigns. Please refer to their respective privacy policies for more details.

6. Access to Your Information and Your Rights

6.1 Canadian and Provincial Privacy Rights
You have the right to:

• Access the personal information we hold about you;
• Request that we update or correct inaccuracies in your information;
• Withdraw consent (where consent is the basis of processing); and
• Request deletion of personal information, subject to certain legal limitations.

6.2 GDPR Rights (if Applicable)
If the GDPR applies, you may also have the right to:

• Data Portability: Obtain a copy of your personal data in a structured, commonly used, and machine-readable format.
• Restriction of Processing: In certain circumstances, request that we limit our processing of your data.
• Object to Processing: Object to certain processing based on legitimate interests or direct marketing.

6.3 Exercising Your Rights
To request access, correction, or deletion of your personal information, or to exercise other privacy rights, please contact us at:
Email: contact@insurebc.ca

Before we fulfill your request, we may ask for verification of your identity to ensure that we disclose information only to the person who is the subject of the request.

6.4 Effect on Services
Please be aware that deleting or restricting personal information may limit or prevent us from providing certain insurance-related services (e.g., quoting or policy issuance). Residual copies of your personal information may remain in our backup systems for a limited period of time.

7. Cookies and Similar Technologies

7.1 Usage of Cookies
We and our approved partners use cookies, pixel tags, SDKs, and similar technologies to:

• Recognize your device;
• Analyze usage patterns to improve our Website;
• Personalize content or offers;
• Measure the effectiveness of ads and communications.

7.2 Your Choices
You can typically set your browser to refuse some or all cookies or to alert you when cookies are being sent. However, if you disable or refuse cookies, certain parts of the Website may become inaccessible or not function properly.

For more information on how we use cookies and your choices, please refer to our [Statement on Cookies and Similar Technologies] (if available) or contact us.

8. Option to Opt Out (Marketing Communications)

You may opt out of receiving marketing-related emails or other promotional communications at any time by:

• Following the unsubscribe instructions at the end of each email; or
• Contacting us at contact@insurebc.ca

Even if you opt out of marketing emails, we may continue to send you transactional or administrative messages (e.g., service confirmations, policy updates, security alerts).

9. Security

We employ administrative, technical, and physical safeguards to protect your personal information against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. However, no security measures are foolproof. Email communications and other unencrypted transmissions are inherently insecure; you acknowledge that you transmit personal information at your own risk and that InsureBC, its subsidiaries, and affiliates are not liable for any damages resulting from interception or unauthorized access.

10. Cross-Border Data Transfers

Your personal information may be transferred to, stored, or processed in Canada or other jurisdictions where InsureBC or our third-party service providers operate. By using our Website, you acknowledge that the level of protection for your personal information in another jurisdiction may differ from, and be subject to, the laws applicable in your jurisdiction.

11. Retention of Data

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy (e.g., providing our Services, compliance with legal and regulatory obligations, dispute resolution, enforcement of agreements) or as otherwise required or permitted by law. Once we no longer require personal information for the purposes set out in this Policy, we securely delete or anonymize it.

12. Privacy Officer and Contact Information

If you have any questions or concerns about this Privacy Policy, our privacy practices, or if you wish to exercise your privacy rights, you may contact:

Privacy Officer:
Eric Glaser
Email: eglaser@insurebc.ca

Mailing Address:
1847 W Broadway #104Vancouver, BC V6J 1Y6

We will make every effort to address your inquiry or concern promptly.

13. Additional Provisions

• Third-Party Websites: Our Website may contain links to other sites that are not controlled by InsureBC. We are not responsible for the privacy practices of these third parties.
• Children’s Privacy: Our services are not intended for minors under the age of majority. We do not knowingly collect personal information from minors without parental consent.
• Language: These terms may be provided in multiple languages. If there is any inconsistency or conflict between the English version and another language version, the English version prevails.

Last Updated: Jan 18th, 2025

By using or accessing our Website, applying for or purchasing insurance products, or otherwise providing personal information to InsureBC, you acknowledge that you have read, understood, and agree to this Privacy Policy.

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