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"Personal Information" is defined as information about an identifiable individual, but does not include the name, title or business address or telephone number of an employee of an organization. This is a very broad definition and may encompass most types of information held such as race, medical, criminal, employment and financial history. The legislation only applies to information collected, used or disclosed in the course of commercial dealings.
It also includes, for example, an individual's address, telephone number, date of birth, family status, marital status, occupation, medical and health records, assets, liabilities, income, credit rating, credit and payment records, an individual's previous insurance experience, including claims history, individual's driving record, policy number and vehicle identity number.
We recognize that some Personal Information is highly sensitive, and we consider the sensitivity of the information in deciding how we will use it, and, if appropriate, disclose it, and in how we will obtain your consent to such use and disclosure.
Confidentiality is a priority for us and we take all the necessary measures to safeguard the privacy of the Personal Information contained in your file, whether you purchase your insurance through our service or not. We use SSL (Secure Socket Layer) protocol, which is among the best Internet security software in the world along with VeriSign certificates for securing the exchange of confidential data. This security technology encrypts the Personal Information that you send us (including things like names, addresses, emails and telephone numbers), so it cannot be read by anyone as it travels over the Internet. We will continue to evaluate and adopt new security technology as it becomes available.
We may collect Personal Information about you, including information obtained as a result of your relationship with us and others. We may collect, use and disclose your Personal Information for several purposes, including:
Your health information may be required to establish your eligibility or rate for certain insurance services or to process a claim. However, this information is not used or disclosed for any other purpose.
You have the option to refuse or withdraw your consent to the collection, use or disclosure of your Personal Information as follows:
If accommodating your request would limit or prevent us from providing you with a product or service you have requested, where possible, we will explain the implications of your request to you in order to help you make an informed decision. You may contact us regarding your consent to the collection, use and disclosure of your Personal Information at the addresses shown in the 'How to contact us' section below or use our "Contact Us" form.
Requests for disclosure of your Personal Information must be made in writing, by fax, email, or letter. Upon such request, we will provide you with reasonable access to your Personal Information that is in our possession. It is important to verify that the individual requesting information is in fact the person in question. For this reason we demand that all inquiries be in writing and that our responses, also in writing are sent to the address we have on file. We will also update and/or correct your Personal Information as required. It is your responsibility to provide updates on changes to your Personal Information.
If we are unable to provide you with access to your Personal Information, we will provide reasons for our inability to do so, unless we are prohibited from doing so by law.