Privacy policy

Our commitment to privacy

Monteiro Insurance Brokers Ltd. is committed to protecting the privacy of our customers and the confidentiality of their personal information. We handle personal information in accordance with applicable privacy legislation, including the federal Personal Information Protection and Electronic Documents Act (PIPEDA), where applicable.

Personal information means information about an identifiable individual, excluding information that is not considered personal information under applicable law.

Identified purposes

We collect, use and disclose personal information only for purposes reasonably necessary to provide our insurance brokerage services, including:

• Offering and arranging personal home, auto, business and life insurance products and services.
• Obtaining quotations, submitting applications and determining eligibility for insurance coverage.
• Verifying your identity and the accuracy of information provided.
• Assessing risks and facilitating underwriting by insurers.
• Administering policies, processing renewals and changes, and assisting with claims.
• Communicating with you and providing ongoing customer service.
• Processing premiums, payments and related financial transactions.
• Detecting and preventing fraud and complying with legal and regulatory obligations.
• Providing information about relevant insurance products and services.

Personal information we collect

Depending on the insurance products and services you request, we may collect your name, contact details, date of birth, driver’s licence and driving history, property and vehicle information, insurance and claims history, employment and financial information, and other information necessary to arrange coverage.

For life insurance and other products where relevant, we may also collect health information, medical history and other sensitive information, subject to applicable consent requirements.

We collect information directly from you and, where permitted by law, from insurers, other brokers, authorized representatives and other relevant third parties.

Consent

We obtain your consent to collect, use and disclose personal information where required by law. Consent may be provided verbally, in writing, electronically or through an authorized representative, as appropriate.

To provide our services, we may share relevant information with insurance companies, underwriters, claims adjusters, medical information providers and other authorized service providers involved in arranging or administering your insurance.

As part of the insurance quote application process, a soft credit check may be required by the insurer to assess risk and determine eligibility or premiums. By proceeding with a quote, you acknowledge that credit-related information may be requested and used for these purposes, subject to applicable law and any required consent. A soft credit check generally does not affect your credit score.

You may decline to provide information or withdraw consent, subject to legal or contractual restrictions. However, doing so may affect our ability to obtain quotations, arrange coverage or provide requested services. We will explain the consequences where appropriate.

Accuracy

We take reasonable steps to keep personal information accurate, complete and up to date as necessary for the purposes for which it is used.

Safeguards and retention

We are responsible for personal information under our control, including information handled by authorized service providers on our behalf. Access is restricted to individuals who require the information to perform their duties.

We use physical, organizational and technological safeguards appropriate to the sensitivity of the information to protect it against loss, theft, unauthorized access, disclosure, copying, use or modification.

Personal information may be stored or processed outside Canada by our service providers. In such cases, it may be subject to the laws of the jurisdiction where it is held.

We retain personal information only as long as reasonably necessary to fulfill the identified purposes and meet applicable legal and regulatory requirements. When it is no longer required, we securely destroy, erase or anonymize it, as appropriate.

Accountability and customer access

We have designated a Privacy Officer who is responsible for overseeing our privacy practices.

You may request access to personal information we hold about you, request corrections to inaccurate information, or ask questions about how your information is collected, used or disclosed. We may require verification of your identity before responding and will handle requests in accordance with applicable law.

Privacy questions and complaints

If you have questions or concerns about this Privacy Policy, or wish to make a privacy-related complaint, please contact our Privacy Officer:

Privacy Officer: Mark Bilhete
12 Cambridge St., Cambridge ON N1R 3R7
Telephone: 519-623-7031
Email: mark@monteirobroker.com

We will review privacy complaints and take appropriate steps to address them. If your concern is not resolved, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or priv.gc.ca.

This website

When you send us a quote request or message through this website, we use the information only to respond to you and to provide the services you asked for. We do not sell your information. Please do not send driver’s licence numbers, banking details or health information through a web form; we will collect anything sensitive with you directly.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our business practices or legal obligations. The current version will be made available on our website, with the date of the latest revision.

In this policy, “customer,” “you” and “your” include individuals who request, apply for or receive our insurance products or services, as well as individuals whose personal information is provided by an authorized representative, where applicable.