Privacy Policy

We understand that your privacy is very important to you. We are committed to protecting your personal information. Personal information includes any information about an identifiable individual. This Privacy Policy guides our conduct in the collection, use and disclosure of personal information we obtain in the course of our business of providing insurance products and services to you. We want you to understand how we protect your privacy.

TYPES OF PERSONAL INFORMATION COLLECTED: 

We collect personal information for the Identified Purposes outlined in this policy. The type of personal information that we hold depends upon the nature of your relationship with us, and includes, but is not limited to:

- name, address and telephone number
- date of birth, family and marital status
- credit rating and payment records
- prior insurance experience including claims history
- driver’s licence number, vehicle identification number (VIN) and driving record
-banking and credit card information
-medical and health information
-employment and income information

We use or disclose such information only for the Identified Purposes described below.

LIMITING THE COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION:

We limit the collection, use and disclosure of your personal information to only what is necessary to provide you with the insurance protection that you have requested, or, in the case of a claim, to provide you with the compensation to which you are entitled. In order to do this, we collect, use and disclose your personal information for the following purposes (our “Identified Purposes”):

- offering and providing insurance products and services to you;
- establishing and maintaining communications with you;
- verifying your personal information with government agencies, -brokers or agents, other insurers, insurance reporting agencies and credit bureaus
- assessing and underwriting risks on a prudent basis
- facilitating your payment of premiums and fees
- investigating and payment claims
- detecting and preventing fraud or other illegal activities
- compiling statistics
- complying with the law or requests of law enforcement agencies or regulators

When we collect your personal information, we are doing so for all the Identified Purposes simultaneously. Therefore, you can expect that while we may initially use the data for underwriting your policy, we may subsequently use it for claim purposes, and vice versa.

CONSENT:

We ask that you know our Identified Purposes and provide your consent to before we collect, use or disclose your personal information. You may provide your consent in a variety of ways. We rely on the following actions by you as indication of your knowledge and consent:

- by receipt of this Privacy Policy outlining our Identified Purposes, you provide your implied consent unless you notify us of the withdrawal of your consent
- you provide your implied consent when you voluntarily provide personal information to McClelland Insurance
- you provide your express consent when you complete a written, verbal or electronic application process
-we may also ask for your express consent for a specified purpose.

We will not disclose your medical and health information, or your employment and income information, without your express consent.

You may withdraw your consent, subject to legal or contractual obligations and on reasonable notice, but this may limit our ability to provide you with the requested product or service. In the event that you wish to withdraw your consent, you should contact McClelland’s Privacy Compliance Officer first to understand the implications of such withdrawal, and then if you choose to proceed, give the requisite notice.

PRIVACY NOTICE

We understand that your privacy is very important to you, and we are committed to maintaining the privacy, security and accuracy of your personal information.  We have implemented a Privacy Policy to limit the collection, use and disclosure of personal information to only what is needed to properly underwrite and service our insurance products and fulfill our legal and regulatory requirements.

When you request an insurance product or service from us, you consent to allow us to collect, use and disclose your personal information for the following purposes:

• offering and providing insurance products and services to you;
• establishing and maintaining communications with you;
• verifying your personal information with government agencies, brokers or agents, other insurers, insurance reporting agencies and credit bureaus;
• assessing and underwriting risks on a prudent basis;
• facilitating your payment of premiums and fees;
• investigating and paying claims;
• detecting and preventing fraud or other illegal activities;
• compiling statistics;
• complying with the law or requests of law enforcement agencies or regulators.

You may withdraw your consent, but doing so may limit our ability to provide you with the requested product or service.

You can obtain a copy of our Privacy Policy by contacting our office.  You may request access to your personal information that we have on file in order to verify its accuracy and completeness by sending a written request to our Privacy Compliance Officer.  If you have any questions or complaints regarding our Privacy Policy or procedures, please contact our Privacy Compliance Officer.

Yours truly,


J. Allen McClelland