Privacy Policy

This policy applies to personal information handled by Safex Insurance through our website, quote and application workflows, client portal, brokerage communications, policy servicing, claims assistance and other interactions with clients, prospects, website visitors and authorized representatives.

Our privacy practices are guided by applicable Canadian private-sector privacy requirements, which may include the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation, depending on the activity and jurisdiction.

The information we collect depends on the product or service you request and the way you interact with us. It may include:

• Identity and contact information — such as name, mailing address, email address, telephone number, date of birth and preferred communication details.
• Quote and underwriting information — details about drivers, vehicles, properties, businesses, travel, insurance history, coverage needs and other risk information relevant to an application or quote.
• Policy and transaction information — policy numbers, coverage details, premiums, billing or payment-related records, renewals, changes and service history.
• Claims and incident information — loss details, supporting documents, photographs, communications and information needed to help report or service a claim.
• Identity verification and documentation — documents or information reasonably required to verify identity, authority or eligibility.
• Communications — messages, support requests, forms, notes and other correspondence with our brokers, staff or service teams.
• Website and device information — IP address, browser/device characteristics, pages viewed, referral information, approximate location derived from technical data and similar usage information.

Some insurance transactions may require information that is considered sensitive. We seek to limit collection to information reasonably necessary for the relevant insurance, legal, fraud-prevention, service or operational purpose.

We may collect personal information directly from you when you complete a quote or application, create an account, upload documents, make a payment, request policy service, submit a claim or communicate with us.

With appropriate authority or as permitted by law, we may also receive relevant information from insurers, underwriting partners, claims service providers, payment providers, authorized representatives, industry or anti-fraud resources, publicly available sources, and other third parties involved in an insurance transaction.

Our website and connected services may collect technical information automatically through cookies, server logs and similar technologies as described below.

We may use personal information for purposes reasonably connected with providing and operating insurance brokerage services, including to:

• prepare, compare, submit and manage insurance quotes or applications;
• communicate with insurers and other parties involved in underwriting, binding, issuing or servicing coverage;
• administer policies, renewals, endorsements, billing, payments, documents and client service requests;
• assist with the reporting, administration and servicing of insurance claims;
• verify identity, prevent fraud, manage risk and maintain the security of our systems and accounts;
• respond to questions, complaints, support requests and other communications;
• improve our website, digital experience, operations, customer service and brokerage processes;
• meet legal, regulatory, audit, accounting, recordkeeping and professional obligations;
• send service communications and, where permitted, relevant marketing communications.

Where consent is required, we seek consent in a form appropriate to the sensitivity of the information and the context. Consent may be express or implied where permitted by law. In some circumstances, applicable law may authorize or require collection, use or disclosure without consent.

You may withdraw consent to certain uses or disclosures, subject to legal, regulatory and contractual restrictions and reasonable notice. Withdrawing consent may affect our ability to obtain quotes, place coverage, service a policy or provide a requested feature where the information is necessary for that purpose.

Insurance is a multi-party service. We may disclose personal information when reasonably necessary to provide requested insurance services, operate our business, protect legitimate interests or comply with law. Recipients may include:

• insurance companies, managing general agents, underwriting partners and other insurance-market participants;
• claims administrators, adjusters, repair or restoration providers, investigators and other claims-related service providers where relevant;
• payment processors, financial service providers, e-signature providers and identity or fraud-prevention services;
• hosting, cloud, security, communications, analytics, software and professional service providers supporting our operations;
• regulators, law enforcement, courts, auditors or other parties when disclosure is required or permitted by applicable law;
• a successor or prospective successor in connection with a legitimate corporate transaction, subject to appropriate safeguards and legal requirements.

We expect service providers acting on our behalf to use personal information only for authorized purposes and to protect it appropriately, subject to applicable contracts and law.

Some technology, cloud, communications, payment, analytics or other service providers we use may store or process information outside your province or outside Canada. When information is processed in another jurisdiction, it may be subject to the laws of that jurisdiction and may be accessible to courts, governments or law-enforcement authorities in accordance with local law.

We use contractual, organizational and technical measures that we consider appropriate for the nature of the service and sensitivity of the information. Contact us if you have questions about our use of service providers or cross-border processing.

Our website may use cookies, pixels, tags, local storage, server logs and similar technologies to operate core functionality, maintain sessions, protect forms and accounts, remember preferences, understand website performance and measure communications or campaigns.

Types of technologies we may use

• Essential technologies that support security, navigation, session management and core website features.
• Analytics technologies that help us understand traffic, page usage and performance when configured.
• Marketing technologies that may measure advertising effectiveness or support relevant outreach when configured and permitted.

You can often manage non-essential cookies through browser or device settings. Blocking certain technologies may affect website functionality. Where applicable law requires additional consent or preference controls, we aim to provide them in the relevant context.

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected and to meet insurance, regulatory, legal, tax, accounting, dispute-resolution, security and recordkeeping requirements. Retention periods can vary by record type, insurance product, jurisdiction and relationship.

When personal information is no longer required, we take reasonable steps to delete, destroy or de-identify it in accordance with our retention practices and applicable obligations.

We use administrative, technical and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, loss or destruction. Safeguards may include role-based access controls, authentication, request protection, protected document handling, logging, encryption or secure transmission where appropriate, staff procedures and service-provider controls.

No system or transmission method can be guaranteed to be completely secure. If we become aware of a privacy or security incident, we assess it and take steps appropriate to the circumstances, including notification where required by applicable law.

Depending on the law that applies to your situation, you may have rights concerning your personal information. We may need to verify your identity before completing a request and may be permitted or required to withhold certain information in limited circumstances.

To make a privacy request, contact us using the details below and describe your request with enough information for us to locate the relevant records. We will respond within the timeframe required by applicable law.

Where permitted, we may send information about insurance products, renewals, educational resources or brokerage services that may be relevant to you. Electronic commercial messages are sent in accordance with applicable requirements.

You can use an unsubscribe method provided in a marketing message or contact us to update your preferences. You may still receive service, policy, account, transaction, security or legally required communications that are not marketing messages.

Our general website and brokerage services are not directed to children for independent use. Insurance transactions may sometimes require information about minors, for example where they are insured persons, household members, drivers or beneficiaries. In those circumstances, information should be provided by or with the involvement of an authorized parent, guardian, policyholder or other legally authorized person as appropriate.

We may update this policy from time to time to reflect changes in our services, technology, privacy practices or legal requirements. The updated version will be posted on this page with a revised effective date. Where appropriate or required, we may provide additional notice of material changes.