Heinsoo Insurance Brokers Ltd. 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 personal identifiable information about a customer is considered personal information and will be treated in accordance with this Privacy Policy.

IDENTIFIED PURPOSES

Heinsoo Insurance Brokers Ltd. only collects, uses and discloses Personal Information for the following purposes:

• Offering and providing insurance and related products 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 other insurers
• Analyzing, assessing and underwriting 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 or allowing our affiliated companies to notify you of certain products or services offered by our affiliated companies
  

CONSENT

Your knowledge and consent of Heinsoo Insurance Broker's 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 us for the purpose of acquiring an insurance contract or related service or product (including information previously provided to us)
• Your express consent or acknowledgement contained within a written, verbal or electronic application process
• Your consent solicited by us for a specific purpose
• Your receipt of this Privacy Policy, until you notify us 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. Heinsoo Insurance Brokers Ltd. will inform you of the consequences of withdrawing your consent. In some cases, refusing to provide certain Personal Information or withdrawing consent for Heinsoo Insurance Brokers 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. If you wish to withdraw your consent to be notified of marketing initiatives, please call us at 416-461-0764.

Accuracy

Heinsoo Insurance Brokers will maintain your Personal information as accurate, complete and up-to-date as is necessary for the identified Purposes.

Safeguards

Heinsoo Insurance Brokers Ltd. 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.

Limiting Collection and Retention of Personal Information

We 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 and identified Purpose. Heinsoo Insurance Brokers Ltd. will only collect Personal Information by fair and lawful means. We will retain Personal Information only as long as necessary for the fulfillment of the Identified Purposes.

Accountability, Openness and Customer Access

Heinsoo Insurance Brokers Ltd. is responsible for all Personal Information under its control and has designated a Privacy Officer who is accountable to management for our compliance with this Privacy Policy. A copy of this Privacy Policy (and any future updates) can be obtained by requesting it from us in writing or by telephone at 416-461-0764 after confirming your identity by asking you to confirm certain Personal Information.

Challenging Compliance

If you are not satisfied with our response to a privacy related inquiry or complaint, you may contact the Office of the Privacy Commissioner of Canada during business hours at 1 – 800282-1376 or at www.privcom.gc.ca.

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