Privacy Statement and Notice.
Gougeon Insurance Brokers is committed to protecting your privacy and information.
Purpose of Statement
This statement outlines our responsibilities and your rights when it comes to the collection, use, and disclosure of your personal information, such as name, phone numbers, and email addresses
Collection and Use of Personal Information
Depending on the nature of the insurance services you apply for and buy, the information we collect varies and may include payment methods and communication preferences.
Forms of Collection
Collection of information may take different forms from:
Information Directly from You
We collect personal information from you when you request a quote, apply for insurance, make a payment, or open a claim under your insurance policy. Personal information may include your name, contact information, marital status, driver’s license, vehicle or property descriptions, loan or mortgage details, payment or banking information.
Information from Third Parties
We also collect information from a number of third parties as permitted by law including insurance companies, government bodies, insurance adjusters, home contractors, auto shops, and other third parties who can provide information about or services related to your insured property.
We collect this information with your consent. Information may include but may not be limited to: driving record and claims history; credit information; accident reports; witness statements; and/or medical records.
How we collect information depends on the services you apply for. Forms of collection and communication may include recorded calls, online chats and other communications between you and us, email exchanges, information we collect when you visit our website, applications or forms that you complete, transactions with us or with our affiliates, in-person meetings to ensure quality customer service, to confirm service details and your instructions, resolve complaints, and train our staff.
We may also send you emails or electronic newsletters or updates which contain tips and service updates.
Consenting for Others
We may ask you for information about other persons covered by your insurance or risk services with us. When you give us information about another person, we request that you ask for their permission to do so and consent to this Privacy Statement and Notice on their behalf.
Why We Collect, Use, and Disclose Information
We collect, use, and disclose information for a number of reasons including but not limited to:
- Understand your needs and how to communicate effectively with you
- Verify your identity and property or assets
- Assess and underwrite insurance risks
- Determine prices, fees, and premiums
- Investigate and adjust insurance claims
- Settle or arrange for settlement of insurance claims, including structured settlements
- Promote services offered by us, our affiliates, strategic partners, including insurance companies, adjusters, and other intermediaries
- Conduct market research to always serve you better
- Report to regulatory or industry entities consistent with prudent and legally required insurance industry practices, including claims history
- Detect, prevent and suppress fraud, unauthorized, or illegal activities
- Comply with all applicable laws, including tax requirements
- Share your information with third party service providers for external processing such as data or payment processing
- Share your information among our affiliates for any of the above purposes
When We Disclose
Gougeon Insurance Brokers discloses information when:
When we disclose your personal information to third parties, we require them to protect and handle your personal information in a manner consistent with our privacy practices and all applicable laws. These third parties may at times process and store your information outside of Canada. If your personal information is processed or stored in a foreign country, it will be subject to that country’s laws and may be disclosed in accordance with those laws.
If we enter talks about a merger, acquisition or asset sale with a third party, we may share your personal information with them as necessary to assess or complete the business transaction. If your information will be subject to new privacy practices resulting from a business transaction, we will give you notice of this.
Correcting and Accessing Your Information
You have the right to request correction of your personal information. You also have a right to access your personal information under our control, subject to any legal restrictions or rights of refusal. However, if you exercise this access right, we may charge you a reasonable fee for copying and sending the information from your file. If you want to access your file or have it corrected, please contact our office, toll free, at 1.800.461.1106.
Withdrawing Your Consent
You may withdraw your consent to the collection, use, and disclosure of your personal information, subject to certain limitations. However, if you do so, we may not be able to continue to provide you with our insurance products and services, or our best rate on your insurance policy. You may also withdraw your consent to the collection, use, and disclosure of your personal information for marketing practices. If you want to withdraw your consent, please contact our office, toll free, at 1.800.461.1106.
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If you have a concern we are not able to resolve, you have the right to contact your privacy regulator. We will provide you with this contact information upon request.
We may update this Privacy Statement and Notice so please review it often. If we update our Privacy Statement and Notice, we will post the most recent version on this website.
Effective Date: March 27, 2017