Privacy Policy - OneProtection.ca

Last Updated:

OneProtection.ca ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website www.oneprotection.ca (the "Site"), including any other media form, media channel, mobile website, or mobile application related or connected thereto, and when you use our services to obtain insurance quotes, information, or referrals.

Please read this Privacy Policy carefully. By using the Site and our services, you consent to the data practices described in this policy. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

1. Information We Collect

We may collect personal information from you in a variety of ways, including:

Information You Provide Directly:
- When you fill out contact forms, quote request forms, or referral forms: Name, email address, phone number, postal code, date of birth, travel details (dates, destination, number of travelers), type of insurance or service requested, details about your needs (e.g., for life insurance needs analysis, business details for commercial referrals, pet information), and any other information you voluntarily provide.
- When communicating with us via email, phone, or other channels.
Information for Insurance Quotes and Applications:
- For travel insurance: This may include names and dates of birth of all travelers, trip dates, destination, country of origin, provincial health plan status, and potentially pre-existing medical condition information (if you choose to disclose for quote accuracy).
- For other insurance types (Life, Health, CI, DI, Savings Plans): This may include more detailed personal, financial, and health information necessary to provide indicative quotes or facilitate applications with insurance providers. This is often collected during direct consultation.
Information for Referral Services:
- When you request a referral for services like Commercial Insurance, Home & Auto, Pet Insurance, Employee Benefits, or Mortgages, we collect information about the client (if not yourself) and the nature of the service required to facilitate an introduction to a specialist partner. We will always seek your confirmation or the client's consent for such referrals.
Automatically Collected Information:
- When you visit our Site, we may automatically collect certain information about your device and browsing activity, such as your IP address, browser type, operating system, access times, pages viewed, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the OneProtection.ca website.
Cookies and Tracking Technologies:
- We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to help customize the Site and improve your experience. You can typically remove or reject cookies via your browser settings.

2. How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

Provide, operate, and maintain our Site and services.
Process your requests for insurance quotes, information, and referrals.
Facilitate communication between you and insurance providers or specialist referral partners (with your consent).
Respond to your comments, questions, and provide customer service.
Send you technical notices, updates, security alerts, and support and administrative messages.
Communicate with you about products, services, offers, promotions, and events offered by OneProtection.ca and others, and provide news and information we think will be of interest to you (with your consent, where required by law).
Monitor and analyze trends, usage, and activities in connection with our Site and services to improve them.
Personalize and improve the Site and services and provide advertisements, content, or features that match user profiles or interests.
Detect, investigate, and prevent fraudulent transactions and other illegal activities and protect the rights and property of OneProtection.ca and others.
Comply with legal and regulatory obligations.

3. Sharing Your Information

We may share your personal information in the following situations:

With Insurance Providers: When you request a quote or apply for insurance, we will share necessary information with the relevant insurance companies or their authorized representatives to obtain quotes and facilitate your application.
With Specialist Referral Partners: If you request a referral for specialized services (e.g., Commercial Insurance, Mortgages), we will share your relevant contact and needs-based information with our trusted specialist partners, only with your explicit consent or at your direct request.
With Service Providers: We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf (e.g., website hosting, data analysis, email delivery, customer service, marketing assistance, payment processing if applicable for direct services). These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.
For Legal Reasons: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of OneProtection.ca, (iii) act in urgent circumstances to protect the personal safety of users of the Site or the public, or (iv) protect against legal liability.
Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
With Your Consent: We may share your information for other purposes with your explicit consent.

We do not sell your personal information to third parties.

4. Consent

By providing us with your personal information, you consent to its collection, use, and disclosure as described in this Privacy Policy. For sensitive information (such as health information for insurance applications), we will seek your explicit consent. When you provide information for a referral, your action of submitting the form for that purpose constitutes your consent for us to share the necessary details with the specialist partner.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. However, withdrawing consent may limit our ability to provide you with certain services or information.

5. Security of Your Information

We take reasonable administrative, technical, and physical security measures to help protect your personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission over the Internet can be guaranteed against any interception or other type of misuse.

6. Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements, or as required by our contractual obligations with insurance providers and partners.

7. Your Privacy Rights (PIPEDA)

Under Canadian privacy laws, you have certain rights regarding your personal information, including:

Right to Access: You have the right to request access to the personal information we hold about you.
Right to Correction (Rectification): You have the right to request correction of any inaccurate or incomplete personal information we hold about you.
Right to Withdraw Consent: You have the right to withdraw your consent to our collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions.

To exercise these rights, please contact us using the contact information provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable laws.

If you have a complaint about our handling of your personal information, we encourage you to contact us first. You also have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada or your provincial Privacy Commissioner.

8. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Policy (if applicable, or you can elaborate here).

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Site.

9. Third-Party Websites

The Site may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave the Site, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services or applications that may be linked to or from the Site.

10. Children's Privacy

Our Site and services are not directed to individuals under the age of 18 (or the age of majority in their jurisdiction of residence). We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information without parental consent, we will take steps to delete such information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date and the updated version will be effective as soon as it is accessible. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

12. Contact Us

If you have questions, comments, or concerns about this Privacy Policy or our data practices, please contact our Privacy Officer at:

OneProtection.ca
Attn: Privacy Officer
Email: [email protected] (or use [email protected] if you prefer)
Phone: 647-709-3400
[Your Business Address, if applicable]

Disclaimer: This Privacy Policy is a template and should be reviewed and customized by a legal professional to ensure it accurately reflects your specific data handling practices and complies with all applicable Canadian privacy laws and regulations.