OUR COMMITMENT TO YOUR PRIVACY

We are committed to providing our clients and prospective clients with excellent service.  Doing business with a Property & Casualty Insurance Broker involves providing information about yourself, so protection of your personal information is one of our highest priorities.  

Our Brokerage and the insurance industry have a solid track record of respecting your privacy.  As a result of federal legislation, we have 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.  Following is a brief summary of our privacy practices:

Why do we collect personal information:

In order to provide you with an insurance quote or when you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information.  Common purposes why we do this are to

  • Enable us to acquire or renew an insurance policy for you
  • Assist you and assess your ongoing needs for insurance
  • Ensure your information is accurate and up to date
  • Protect us both against error or fraud

What personal information do we collect:

Personal information is information that identifies you as an individual client and relates specifically to you.  Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

  • Basic information such as your name, address, telephone and fax numbers, e-mail address, birthdate and marital status. 
  • Claims history
  • Credit and past payment records
  • Driver’s record
  • Details about your property such as the value of your home and its contents
  • Medical information such as any condition that may affect the operation of a vehicle.
  • Employment information  

We may obtain this information from:

  • You
  • Insurance Companies
  • Other Insurance Brokers or Agents
  • Credit organizations
  • Motor vehicle and driver licensing authorities
  • Financial institutions
  • Medical professionals

Who do we disclose your personal information to?

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs.  These other parties commonly include:

  • Insurance companies 
  • Other Insurance Brokers or Agents
  • Credit organizations
  • Professionals working with us such as adjusters or lawyers
  • Financial institutions.  For example, the organization that carries your mortgage

How do we protect your personal information?

In order to protect your personal information and right to privacy, we will;

  • Not collect, use or disclose your personal information for any purpose other than those that we identify to you.
  • Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
  • Maintain your personal information in as accurate, complete or up to date a form as possible.  
  • Safeguard your personal information to the best of our ability
  • Respond to any request you may make to access or correct the personal information we hold about you
  • Obtain the appropriate consent from you for the collection, use or disclosure of your personal information

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Consent:

In using this site, you signify your consent to our privacy policy. If you are not in agreement, please do not use the site. We reserve the right, at our discretion, to update, change, modify, add, or remove this policy from time to time, as appropriate. Should we make changes, we will publish these on the site in a timely fashion.

We may obtain your express consent or we may determine that consent has been implied by the circumstances.  

  • We might ask for your express consent in writing, for example in a signed consent or application.
  • We may ask for your express consent in person or over the telephone.
  • We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner.

There are also legal expectations in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information.

For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.

You can control how we handle your personal information.  

We want you to know that you do have choices in this matter.  You could refuse to allow us to obtain, use or share your personal information or your could also withdraw a previously given consent at any time. 

However by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.   For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.

We would be happy to discuss particular situations with you to help you with your decision.  

CONTACT INFORMATION AND RESOURCES:

We are committed to treating you with respect and courtesy, and to providing the highest level of service.  

Please contact our Privacy Officer at the address below if you:

  • Wish to access your personal information
  • Wish to change your consent to the ways in which we may collect, use or disclose your personal information.
  • Have a complaint about our privacy policies, or the manner in which we’ve handled your personal information
  • Have any other questions about our privacy policies or request additional information.

URS Insurance Brokers

Universal Risk Solutions Inc. 

Attn:  Privacy Officer

2489 Bloor Street W, Ste 302, Toronto, ON  M6S 1R6

Email:  privacy@ursinsurance.com      Tel:  888-747-2646     Fax: 866-801-7774