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Our Commitment to Your Privacy
Guthrie Bickerstaff Limited is committed to protecting your privacy and the confidentiality of your personal information. In order to comply with privacy legislation, we have developed this Privacy Policy. Any personally identifiable information about a customer* is considered personal information (“Personal Information”) and will be treated in accordance with this Privacy Policy.
Identified Purposes
Guthrie Bickerstaff Limited only collects, uses and discloses Personal Information for the following purposes:
- Offering and providing insurance and services to you;
- Establishing and maintaining communications with you;
- Verifying your identity and the accuracy of your Personal Information with government agencies, industry associations, brokers or insurers;
- Analysing and assessing risks on a prudent basis;
- Determining and facilitating your payment of fees and premiums;
- Investigating and paying claims;
- Detecting and preventing fraud or other illegal activities;
- Compiling statistics;
- Complying with the law or the requests of law enforcement agencies or regulators; and
- Notifying you of certain products or services offered by us.
In this Privacy Policy, the above list of identified purposes will be referred to as the “Identified Purposes”.
Consent
Your knowledge and consent of Guthrie Bickerstaff Limited collection, use and disclosure of your Personal Information is critical. We rely on the following actions by you as indications of your consent to our existing and future Personal Information practices:
- Your voluntary provision of Personal Information directly to Guthrie Bickerstaff Limited or through an insurance broker or representative for the purpose of acquiring an insurance contract or product (including information previously provided to Guthrie Bickerstaff Limited);
- Your express consent or acknowledgement contained within a written, verbal or electronic application process;
- Your consent solicited by Guthrie Bickerstaff Ltd. (or our agent) for a specified purpose;
- Your receipt of this Privacy Policy, until you notify Guthrie Bickerstaff Limited of a withdrawal
of this consent; or
- Your consent given through your authorized representative such as a legal guardian, agent or holder of a power of attorney.
Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw this consent at any time. Guthrie Bickerstaff Limited will inform you of the consequences of withdrawing your consent. In some cases, refusing to provide certain Personal Information or withdrawing consent for Guthrie Bickerstaff Limited to collect, use or disclose your Personal Information could mean that we cannot provide you with insurance coverage or other requested products, services or information.
Accuracy
Guthrie Bickerstaff Limited will maintain your Personal Information as accurate, complete and up-to-date as is necessary for the Identified Purposes.
Safeguards
Guthrie Bickerstaff Limited will protect your Personal Information by security safeguards appropriate to the sensitivity of the information. Safeguards will vary depending on the sensitivity, format, location and storage of the Personal Information.
Accountability, Openness & Customer Access
Guthrie Bickerstaff Limited is responsible for all Personal Information under its control and has designated a Privacy Officer who is accountable for Guthrie Bickerstaff Limited’s compliance with this Privacy Policy.
Our Privacy Officer is:
A copy of this Privacy Policy (and any future updates) can be obtained from our website at www.guthriebickerstaff.on.ca. If you have any questions about this Privacy Policy or your Personal Information, please call your broker at 416 925 2212. When you call us, we may confirm your identity by asking you to confirm certain Personal Information and you may be directed to send us certain requests in writing.
Limiting Collection & Retention of Personal Information
Guthrie Bickerstaff Limited will only collect, use or disclose Personal Information that is necessary for the Identified Purposes or as required by law. If we require Personal Information for any other purpose, you will be notified of the new purpose, and subject to your consent, that new purpose will become an Identified Purpose. Guthrie Bickerstaff Limited will only collect Personal Information by fair and lawful means. We will retain Personal Information only as long as is necessary for the fulfilment of the Identified Purposes.
Challenging Compliance
If you are not satisfied with Guthrie Bickerstaff Limited’s response to a privacy related inquiry or complaint, you may contact the Office of the Privacy Commissioner of Canada during business hours at 1-800-282-1376 or at www.privcom.gc.ca.
*In this Policy, “customer”, “you” or “your” includes any individual who has requested, applied for or been supplied with products or services (including claims services) by Guthrie Bickerstaff Limited including any other individual for whom the customer has acted as agent, guardian or representative.
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