Privacy Policy

Our commitment to privacy

Snowbird Advisor Insurance, a division of Snowbird Advisor Insurance Inc. (“We”, “Us”, “Our”, "Company") knows how important your personal information is to you, and we take protecting its privacy and confidentiality very seriously. This Privacy Policy governs the collection, use and disclosure of your personal information, whether written or electronic, by us, our affiliates, sub-contractors, subsidiaries and parent companies in the course of arranging travel and other types of insurance.

We may amend and update this Privacy Policy from time to time. The most current version of our Privacy Policy will be posted on our website here. You should periodically check our website for any changes to our Privacy Policy.

Personal Information

Personal information means information about an identifiable individual. Personal information does not include the name, title, business address, email address or telephone number of an employee of an organization where that information is used to communicate with the employee about their employment, and it does not include aggregated information that is anonymized so that information cannot be associated with a specific person.

This Privacy Policy applies to the personal information of our clients or potential clients from who we collect personal information, whether directly or indirectly. It does not apply to information about our employees or to information that is not personal information.

Collection, Use and Disclosure of Personal Information:

The personal information we collect includes, but is not limited to, contact information, date of birth, medical information, financial information, payment information and travel information. Some of this information is sensitive personal information. We may also collect personal information about other people who are travelling with you or on whose behalf you are purchasing insurance products and services.

We collect, use and disclose your personal information for insurance purposes, including arranging for travel and other types of insurance products and providing you with related and ongoing services. We also collect your personal information to confirm your eligibility for such insurance products and services, to better understand, and communicate with you about, your insurance needs, claims assistance and to process payments. We identify the purposes for which personal information is collected at or before the time the information is collected. We limit the collection of personal information to that which is necessary for the purposes identified by us. Unless required by law, we will not use or disclose, for any new purpose, personal information that has been collected without first identifying the new purpose and obtaining your consent.

In most cases, we collect personal information directly from you. However, we may also collect personal information from our sub-brokers or partner brokers, including but not limited to CanAm Special Risk Insurance Agency (2018) Limited (CanAm), or from other sources.

We may collect personal information from you about other people who are travelling with you or on whose behalf you are purchasing insurance. By providing that information to us, you confirm that you have the consent of those other people to the collection, use and disclosure of their personal information as outlined in this Privacy Policy.

We also use your personal information to develop and enhance our products and services and to satisfy our legal and regulatory requirements. We may share your personal information with third party service providers who perform sales, support, administration, claims management and assistance and other services on our behalf, and they may share your personal information with us.

We disclose your personal information to the insurers who provide insurance through us in order to arrange for your coverage and assist with claims. When we disclose your personal information to an insurer, that personal information is subject to the personal information policies and practices of that insurer.

We may also disclose your personal information to our parent, subsidiaries and affiliate companies to assist us in arranging travel and other types of insurance.

We may also disclose your personal information in connection with an actual or prospective business transaction, including a sale of the Company or a corporate reorganization, provided that the personal information we disclose may only be used by the other party to evaluate the possible transaction, or, on completion of any such transaction, for the purposes permitted by this Privacy Policy.

Obtaining Consent

We will only collect, use and disclose your personal information with your consent, unless otherwise permitted by law.

Your consent may be express or, in certain conditions, implied (for example, if you request a service and then provide the personal information necessary for that service). In determining the appropriate form of consent, we will take into account the sensitivity of the personal information and your reasonable expectations. Your consent may be provided directly to us by you, or given through an authorized representative or to a third party acting on our behalf, such as CanAm, to be provided to us.

You may withdraw your consent at any time by giving us reasonable notice, subject to legal and contractual requirements. However, if you withdraw your consent we may be unable to continue to provide insurance services to you. You may contact us for more information regarding the implications of withdrawing consent.

Optional Marketing Purposes

We may use the personal information you provide to communicate with you to offer you other products and services. The collection, use and disclosure of your personal information for such marketing purposes is optional, and is not required as a condition for doing business with us. You may withdraw your consent to these optional uses at any time by contacting us here. We do not sell, trade or disclose our customer lists for marketing purposes.

Security

We are responsible for the security of personal information in our possession or control, including information that has been transferred to a third party for processing. We will protect your personal information against such risks as loss or theft, unauthorized access, disclosure, copying, use, modification or destruction by security safeguards appropriate to the sensitivity of the information. Such controls include physical, technological and organizational safeguards.

We use contractual agreements and other appropriate means to ensure a comparable level of protection while information is being processed by a third party. Only our employees and contractors who require access for business reasons, or whose duties reasonably require, are granted access to your personal information, and they are required to respect the confidentiality of personal information.

We, our outside suppliers and other third parties to whom we disclose personal information, may perform activities outside of Canada. As a result, your information may be securely used, stored or accessed in other countries and may be subject to the laws of those countries. For example, information may be disclosed in response to valid demands or requests from government authorities, courts, or law enforcement officials in these countries.

We keep personal information only as long as it remains necessary for the identified purposes or as required by law. Depending on the circumstances, where personal information has been used to make a decision about you, we shall retain, for a period of time that is reasonably sufficient to allow for access by you, either the actual information or the rationale for making the decision.

When personal information is no longer necessary, we destroy or anonymize such information. In view of the ongoing exposure to potential insurance claims, where necessary, some of the personal information collected for insurance purpose may be kept indefinitely.

Accuracy

We try to ensure and maintain the accuracy of the personal information we collect and use. However, we rely on individuals who provide personal information to us to disclose material information to us and advise us of any changes. Where individuals provide evidence that personal information we hold is incorrect, we will correct such information.

Access to Personal Information

You may request to be informed of the existence, use and disclosure of your personal information and, where reasonably possible, the source of the information. Subject to satisfactory proof of identity, appropriate access will be provided to such information.

In certain situations, we may not be legally permitted to provide access to all personal information held with respect to you. For example, we cannot provide access to personal information relating to other people or personal information protected by legal privilege. Exceptions to the access requirement will be limited and specific, and we will provide you with the reason for denying access.

You may challenge the accuracy and completeness of the personal information we hold about you.  We shall promptly correct any personal information found to be inaccurate, and we will note any unresolved differences as to accuracy in your file. Where appropriate, we will send any amended personal information or the existence of any unresolved differences to third parties having access to the personal Information in question.

Contact Us

If you have any questions or concerns about our privacy practices, you can write to us at:

Chief Privacy Officer
Snowbird Advisor Insurance Inc.
430 - 245 Eglinton Avenue East
Toronto, ON
M4P 3B7

or use the contact form located here.

We will investigate all complaints concerning compliance with our Privacy Policy and will inform you of the outcome of the investigation regarding your complaint. If a complaint is found to be justified, we shall take appropriate measures to resolve the complaint including, if necessary, amending our policies and procedures.

WEBSITE PRIVACY INFORMATION

We may collect personal information through our website, either directly or through third party service providers. Our Privacy Policy applies to personal information collected, used or disclosed through our website. You may visit our website without telling us who you are or actively submitting any personal information. However, we collect certain information about all visitors to our website, as described below.

Internet Protocol Address (IP Address)

 We may use your IP Address to:

  • diagnose and solve technical problems;
  • display content and advertising based on your geographic area, demographic profile and site session behaviour; and
  • estimate user traffic from specific regions or organizations.

Cookies

A cookie is a small text file, which often includes an anonymous unique identifier, that is sent to your web browser and is stored on your computer’s hard drive. Cookies cannot be used to run programs or deliver viruses.

We may use cookies to:

  • make our website easier and more convenient to use, by saving your passwords and preferences so that you will not have to re-enter them on the next visit to our website;
  • measure which parts of our website are popular. This information may be reported, in aggregate form only, and without disclosing any personal information, to our sponsors, advertisers and business partners;
  • display advertisements. We and our third party advertising providers may use cookies when displaying advertisements on our website. The advertisements from third party advertisers and their use of cookies may be subject to the advertisers’ own policies.

Most browsers are initially set up to accept cookies. However, you can reset your browser either to refuse to accept cookies or to notify you when you receive a cookie. You are not required to use cookies, but parts of our website will not function properly if you set your browser to not accept cookies.

Web Beacons

Our website also uses Web beacons – sometimes called single-pixel gifs – that allow us to count users who have visited certain pages and to deliver co-branded services. Web beacons are not used to access personal information; they are a technique used to compile aggregated statistics about our website usage.

Additional Information

We automatically collect certain information about your computer hardware and software. This information may include: browser type, operating system type, domain names, access times and referring website addresses. This information is used by us to operate our website and to provide general statistics regarding use of our website.

Links To Other Sites and Advertisements

Our website may contain links to other websites and services. While we try to link only to sites and services that share our high standards and respect for privacy, we are not responsible for the content of, or the privacy practices employed by, other companies or websites. Once you link to another site, you are subject to the privacy and security policies of the new site, and you should review its privacy policy, especially if you share any personal information.

Many of the advertisements which are displayed on our website are provided by one or more third party advertisement companies. For more information about what information is collected and how information is used by third party advertising providers click here.

Date last revised: July 23, 2018