Privacy Policy

Respecting Your Privacy

This Privacy Policy applies to the United States operations of The Guarantee™ Company of North America (The Guarantee US). We understand and respect the need to safeguard information about the personal and financial affairs that we obtain from our customers. To retain their trust, it is important to us to maintain a high degree of integrity in handling this information. We are committed to protecting the privacy of the personal information of our customers.

In this document, you and your mean the individual who is a customer or potential customer of The Guarantee US and we, us and our means The Guarantee US.

Our commitment to protecting your privacy

Collecting personal information about you is essential to our ability to offer you high-quality insurance products and appropriate insurance coverages as well as to provide you with on-going service relating to your insurance needs. We take great care to keep your personal information that we collect accurate, confidential and secure.

If you have any questions about our Privacy Policy, please contact our Privacy Officer at 4950 Yonge Street Suite 1400, Toronto, Ontario, M2N 6K1 or by email at privacyofficer@gcna.com

The Guarantee US Privacy Policy

What is personal information?

Personal information is any information that relates to an individual and allows that person to be identified. Personal information collected by us may include an individual’s name, birth date, address, age, claims history, health and financial information.

Why we need the information?

Generally, we need to collect personal information for the following purposes, to:

  • verify your identity;
  • determine your eligibility for our products and services;
  • communicate with our customers;
  • underwrite insurance risks on a prudent basis;
  • determine premiums;
  • investigate and settle claims;
  • detect and prevent fraud;
  • offer and provide products and services to meet customer needs;
  • compile statistics; and
  • comply with the law.

We ask you for only the information we need

We collect only the information we need for the purposes we have identified to you. Our files are kept for the purpose of providing and servicing insurance products and services that we believe are right for you. We will not sell your personal information.

We will obtain your consent

We collect, use or disclose your personal information with your consent.

Your permission may be expressed in writing or be implied and you may give it to us verbally, electronically, or through your insurance agent. Most of the personal information provided to us is collected by your insurance agent. Your insurance agent is responsible for obtaining your consent with respect to the collection of such information. We will rely on your agent’s advice if he or she tells us that we have or do not have your consent.

Before we make information available to third parties, other than an agent or service provider who needs this information in the normal course of our business, we will tell you at the time we obtain your consent or before we make the information available, who those persons or organizations are, the kind of information we want to share with them and why.

You may withdraw your consent

You may withdraw your permission to collect, use and disclose your personal information at any time, subject to legal and contractual restrictions and reasonable notice. However, withdrawing your consent may affect our ability to continue to provide you with our products and services.

When your consent is not required

Consent for the collection, use and disclosure of personal information is not required in many circumstances, including but not limited to:

  • when personal information is disclosed to a lawyer retained by us for claims purposes or to obtain legal advice;
  • when we believe that the information relates to the contravention of any law, including the detection and prevention of fraud;
  • when we disclose personal information to an approved investigative body;
  • when we are requested to comply with subpoenas, search warrants, and other court orders;
  • when we are under a public requirement to disclose personal information to appropriate authorities in matters of significant public interest;
  • when legal, medical or security reasons make it impossible or impractical to seek advice; or
  • when we are required by law to disclose the information.

We will limit how long we keep information

We will keep your personal information as long as it is necessary, including updating the product or service or as required by law.

When we destroy personal information, we will use safeguards to prevent unauthorized parties from gaining access to the information during the process.

We will protect your personal information

We are responsible for your information

We are responsible for all personal information in our possession, including information transferred to a third party service provider or agent, so that we can provide you with a product or service.

All employees, agents and authorized service providers are required to protect the confidentiality of your personal information.

How we protect information

Access to your personal information is restricted to those employees, agents and authorized service providers who need it to do their jobs.

We have developed and are continuing to enhance security procedures to safeguard and protect personal information against loss, theft, unauthorized disclosure, copying, and unauthorized use or modification. We will maintain appropriate safeguards and security procedures that reflect the types of documents, including electronic or paper records, organizational measures including security clearances and limiting access on a "need-to-know" basis, and technological measures such as the use of passwords and encryption. While we endeavour to protect all information, the most sensitive information, such as medical information, receives the highest level of protection.

Your right to access your personal information

Your rights

You have the right to ask whether we hold any personal information about you and to see that information, as provided by law. Where we have obtained medical information about you from a third party, we will release this information only through your physician.

You also have the right to know:

  • how we collected your personal information,
  • how we are using it, and
  • to whom it may have been disclosed.

How to request an update or correction

If you believe any of the information we have collected about you is incorrect or incomplete, you have the right to ask us to change it.

If you show that your personal information is inaccurate or incomplete, we will make the necessary changes.

If you feel we have not dealt with your request to your satisfaction, you can follow our complaint resolution procedures.

How to register complaints

You may register a privacy-related complaint by contacting our Privacy Officer. We will explain our complaint procedure to you and investigate all complaints. If a complaint is justified, we will take all appropriate steps to set the situation right, including changing our policies and practices if necessary. We will also let you know what other complaint procedures may be available to you.

For more information

For more information, please contact our Privacy Officer at 4950 Yonge Street Suite 1400, Toronto, Ontario M2N 6K1, or by e-mail at privacyofficer@gcna.com

PRIVACY PRINCIPLES

Principle 1 - Accountability

Each company, employee or agent is responsible for personal information under his or her control and shall designate an individual or individuals to be accountable for compliance with this Code.

Principle 2 - Identifying Purposes

The purposes for which personal information is collected shall be identified before or at the time the information is collected.

Principle 3 - Consent

The prior knowledge and permission of the individual are required for the collection, use or disclosure of personal information, except for legal or security reasons.

Principle 4 - Limiting Collection

The collection of personal information shall be limited to that which is necessary for the purposes identified. Personal information shall be collected by fair and lawful means.

Principle 5 - Limiting Use, Disclosure and Retention

Personal information will not be used, disclosed or retained for purposes other than those for which the information was collected, except with the permission of the individual, or as permitted or required by law.

Principle 6 - Accuracy

Personal information shall be as accurate, complete and current as is necessary for the identified purposes for which it is to be used.

Principle 7 - Safeguarding Information

Personal information will be protected by safeguards appropriate to the sensitivity of the information.

Principle 8 - Openness

We will make readily available to our customers specific information about our policies and procedures relating to the management of their personal information.

Principle 9 - Individual Access

Upon request, an individual will be informed of the existence, use and disclosure of his or her personal information and shall be given access to it. An individual will be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

Principle 10 - Handling Customer Complaints and Suggestions

Individuals can address any complaint regarding compliance with the above principles with our Privacy Officer at privacyofficer@theguarantee.com