Our Privacy Policy
Your privacy is important to us
Leduc Insurance Agency Inc. has built client relationships based on a foundation of trust. We are committed to protecting the privacy, confidentially, accuracy and security of the personal information collected, used, retained and disclosed in the course of doing business with you.
Only authorized personnel have access to your information and our systems and processes are designed to prevent the loss, misuse, unauthorized access, disclosure, alteration, or destruction of your personal information. When we request your personal information, we will explain the purpose and obtain your consent. We share your information only as required and in limited instances. We keep your personal information only as long as it is required.
What is considered “personal information”?
“Personal Information” means any information about an identifiable individual. Examples of what we may collect include:
- name, address, email and telephone number
- age, gender, family and marital status
- driving history
- previous insurance and claims data history
- details about your property such as the value of your home contents
- medical and health information
- employment information
- banking information
- identification numbers
- assets and liabilities
- credit information (including credit score and/or credit report)*
*with your consent, credit information will be obtained from TransUnion (Box 338, LCD 1, Hamilton, ON, L8L 7W2) and this inquiry does not impact your credit rating. Your credit information will not be disclosed outside of Leduc Insurance Agency Inc.
Why do we need your personal information?
As part of our relationship with you, we may collect, use, retain and disclose your personal information (and that of any other person(s) whose personal information is collected as part of your application) to underwrite your application for insurance, to administer your insurance policy, to assess and process claims, and to provide you with personalized products and services, information, and advice. Purposes for which we need your personal information may include:
- to verify your identify and confirm the information you provided in your application (such as prior insurance experience, claims history reports, credit reports (as applicable), medical history, and driving history)
- to communicate with you by electric means (e.g. email, telephone, fax) or regular mail
- to evaluate your coverage needs and recommend products and services tailored to you
- to determine the best premium available to you
- to analyze risk and risk selection, and in some instances to place your coverage with another insurer and reinsurer
- to investigate and settle your claims (including assessing damage or injury, determining benefits, or settling disputes with third parties)
- to manage reinsurance
- to meet regulatory requirements
- to detect and prevent fraud
- to conduct data analytics and market research for Leduc Insurance Agency Ltd. only
- to share additional information that may be of interest to you on behalf of our group of companies or our business partners (including insurance-related information and other financial products, services, offers, contests, and community events).
Who would we share information with?
We may collect, use, and disclose your personal information with other where necessary and appropriate, but only if we need to for the purposes listed above, including:
- third parties who perform services on our behalf
- police, property valuators, medical professionals, benefits providers
- insurance reporting agencies and industry databases (such as the Insurance Bureau of Canada)
- any other party with an insurable interest (e.g. leaseholders, lienholders, mortgages)
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Professionals working with us such as adjusters or lawyers
Information may be collected by or transferred to a service provider 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. We do not sell client lists and we will not share your personal information without your consent unless we are required to by law.
What are your rights?
You have the right to:
- verify and/or change your consent preferences specific to your personal information, credit file information, and marketing recorded in our client system of record
- customize your preferences about how we contact you
- access your personal information and request updates or changes to it (if inaccurate)
- tell us that we cannot use or share your personal information for certain reasons
- control our use of cookies, web beacons and similar technologies when visiting our websites
If you do not provide us with your personal information, we will still do our best to provide you with our products or services; however, certain information must be provided in order to supply the requested products or services.
How do we protect your personal information?
Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we’ll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances. We will treat you with respect and courtesy, and will provide you with the highest level of service, this is our commitment to you.
We will respond to you promptly and do our utmost to resolve your concerns. To find out more about federal privacy laws, please contact the Office of the Privacy Commissioner at 1‑800‑282‑1376 or visit their website at www.privcom.gc.ca.
