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 and as such, we have put all the required elements in place to comply with British Columbia, Alberta, and Canadian privacy regulations. This Privacy Policy outlines the privacy practices associated with the Website, and you hereby agree to it in its entirety, including but not limited to: (i) access or use the Website; (ii) agree to receive e-mail from us via the Website, or any other means; (iii) register on the Website to receive related products and/or services from us and/or third-party service providers; and/or (iv) obtain, or attempt to obtain, any products and/or services. InsureBC and its subsidiaries, affiliates, and divisions are featured on our Website. Insureityourself Insurance Services Ltd. is a subsidiary of InsureBC and solely fulfills the online insurance product sales offered through insurebc.ca. Insureityourself Insurance Services Ltd. is a licensed insurance broker, staffed with licensed insurance agents who are employed by the InsureBC Group. Insureityourself Insurance Services Ltd. is the broker of record for all policies sold via shop.insurebc.ca.

Privacy Rights

When you register on this Website, you hereby agree and acknowledge that your personal information will be placed into the databases for Insureityourself Insurance Services Ltd. and InsureBC.

Collection of Information

We collect and combine information about you and the devices you use to access our online services for the purposes described in this privacy statement. This includes information you provided to us, information collected through your use of our online services, and information obtained from our partners and other reliable sources. Any of the information we collect from you or any public sources may be used to personalize your experience, improve customer service, process transactions or send emails pertaining to your quote or to inform you about news and product features which are likely of interest to you (such as discounts, safety tips, new products). The information you share with us will be exclusively placed into the databases of InsureBC and its online affiliate Insureityourself. Your information will not be shared with any third-party company for any purpose.

Information you provide to us

We collect the information you provide directly to us, such as when you request a quote; apply for, purchase or modify coverage; create or modify your account; sign up for our newsletter or request information from us; contact customer support; respond to a survey, or otherwise communicate with us. This information may include your name, e-mail address, phone number, postal address, payment information, and financial account numbers, home information, claims filed previously, survey responses, and other information you choose to provide to us.

Information we collect through your use of our online services

We use cookies and similar technologies on our online services, electronic communications, and advertisements that automatically receive and track certain data about how you and other visitors interact with our online services, preferences expressed, and settings are chosen. For example, we may collect information about your device (such as your device and browser type, operating system, IP address, mobile network carrier, and device and advertising identifiers) and your use of our online services (such as access dates and times, online features or pages viewed, system activity and the third-party site or service you were using before interacting with our online services). We do this through the use of cookies, pixel tags, SDKs, and similar technologies that create and maintain unique identifiers. To learn more about these technologies and our use of them, please see our Statement on Cookies and Similar Technologies below.

Usage of Personal Information

InsureBC, and all its subsidiaries and affiliates, including but not limited to Insureityourself Insurance Services Ltd. will use your personal information for customer service, to provide you with information that you may request, to customize your experience on the site and/or to contact you when necessary in connection with transactions entered into by you on the Website. We may also use your personal information for internal business purposes, such as analyzing and managing our business. We do not sell your personal information or solicit information for purposes not relating to your insurance policy. Your information may be released to a third party in the insurance industry to meet our obligations and assess your eligibility and costs for products and services that you have specifically requested. Our third-party partners also adhere to the applicable Privacy Laws, which regulates the collection, use, and disclosure of your personal information as we do. Your information may also be used in order to satisfy valid information requests from regulators and other organizations or individuals who are legally entitled to make such requests. Website visitor information is not disclosed to anyone except our personnel who need the information (e.g., to respond to a request from you).

In addition to the purposes identified above, any information we collect may also be used for analytics purposes (e.g., evaluating website usage patterns and advertisement interactions) so that we can gauge the effectiveness of our programs and advertisements, and improve the usefulness of information presented to visitors.

Sharing of Information

We may share the information we collect from and about you (and your device) as described in this privacy statement or as described at the time of collection.

1. We may share information we collect from and about you (and your device) with our parent company InsureBC, subsidiaries, or affiliate entities. Any organization to which we provide such information is required to keep your information confidential and to only use such information in accordance with this privacy statement.
2. In the course of doing business, we employ other companies and individuals to perform a variety of functions on our behalf. For example, we may provide the information we collect from and about you (and your device) to companies that host our online services or send communications on our behalf. These service providers may have access to information about you if it is needed to perform their functions for us, but they are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements, and they are required to maintain the information in confidence.
3. We will share the information we collect from and about you (and your device) with third parties as necessary to provide you with a product or service you requested through a partnership or promotional offering made by a third party or us.
4. We reserve the right to disclose the information we collect from and about you (and your device) if required to do so by law or by a regulatory authority. We may also disclose your information as part of an investigation or enforcement action relating to improper or illegal conduct in connection with our online services or other products, including, without limitation, any situations that may potentially involve threats to the safety or privacy of any person or misuse of our online services.

Analytics and Advertising Services Provided by Others

We may allow others to provide audience measurement and analytics services for us, to serve advertisements on our behalf on our online services and across the internet, and to track and report on the performance of those advertisements. These entities may use cookies, pixel tags, SDKs, and other technologies to identify your device when you use our online services and interact with our electronic communications and ads, as well as when you visit other online sites and services. Data collected and maintained by such third-party ad providers will be subject to the terms of use and privacy policies of those providers.

Cookies

We and our approved partners use cookies and similar technologies on our online services, electronic communications, and advertisements that automatically receive and track certain data about your device and interaction with our online services, communications, and advertisements. Please also read the information under the ‘collection of information’.

Access to your Information

At any time, you may request InsureBC, Insureityourself Insurance Services Ltd. or its subsidiaries and affiliates to (i) amend the personal information that we have on file for you; (ii) inform you of what personal information we have on file for you and/or (iii) remove personal information that you have provided to us, or that we have collected. You may do so by contacting us via e-mail at contact@insurebc.ca. or by accessing your account through the Website or Insureityourself. You may also authenticate your account with a Facebook or Google Account login. However, we ask individuals to identify themselves and the information requested to be accessed, amended or removed before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical. Please be advised that deleting your personal information may terminate or limit your ability to apply for Services. If you wish to apply for Services without any hindrance or limitation, you may decide not to delete the personal information that we have on file for you. Note that after you delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.

Option to Opt Out

We provide users with the option to opt-out from receiving information sent via electronic mailings on or own behalf of and that of our third-party advertisers. Users may unsubscribe from receiving e-mail at any time by following the instructions contained at the end of every e-mailing. Unsubscribe requests can only be processed if you have registered with us in the first instance.

Your Acceptance of this Privacy Policy / Modifications

By using the Website including, without limitation, purchasing insurance products, applying for Services, and/or continuing to receive information from us, you agree to the terms of our Privacy Policy. We reserve the right, at our discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. If the manner in which we use personally identifiable information changes, we will notify users by (i) sending the modified policy to our users via email; and/or (ii) by any other reasonable means acceptable under applicable provincial and federal law. You will have a choice as to whether or not we use your information in this different manner, and we will only use your information in this different manner where you opt-in to such use.

Security

The Internet is not entirely secure and the confidentiality of certain information cannot be guaranteed. The Website has security measures in place to protect the loss, misuse, and alteration of the information under our control. Any unencrypted e-mail communication over the Internet is, as with communications via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss, and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted e-mail. You acknowledge and agree that we, our agents, administrators, employees, and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet and that all such communication will be at your own risk

Privacy Officer

Should you have any questions about the information contained within this Privacy Policy, you may contact one of our Group’s privacy officers, Eric Glaser: contact@insurebc.ca.

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