Privacy Policy for SWITCH Insurance

Introduction

At SWITCH Insurance, we are committed to protecting your privacy. This Privacy Policy outlines our responsibilities and your rights regarding the collection, use, and disclosure of your personal information.

Who We Are

SWITCH Insurance and SWITCH Broker Network offices operate in Alberta, Ontario, and Atlantic Canada. We are dedicated to providing comprehensive insurance services while ensuring the privacy and security of your personal information.

What is Personal Information?

Personal information is collected depending on the type of insurance being purchased, the method of payment selected, and the preferred form of communication. This information may include contact details (such as name, address, telephone, and email), date of birth, marital status, driver’s license and vehicle information, banking and credit card details, mortgage holder information, prior insurance and claims history, among others. For additional drivers or household members, the same information is required.

Information We Collect

The information we collect varies based on the insurance products you apply for, the services you use, and how you interact with us. We gather information through various means:

We collect personal information directly from you when you inquire about our products, request a quote, apply for insurance, make a payment, or file a claim. This includes details such as your name, contact information, marital status, driver’s license, vehicle or property descriptions, loan or mortgage details, and payment or banking information.

We also obtain information from third parties as permitted by law, including insurance companies, other brokers, government bodies, consumer reporting agencies, insurance adjusters, home contractors, and auto shops. This information may include driving records, claims history, credit information, accident reports, witness statements, and medical records. We ensure these third parties have legally collected and can share this information with us, often with your consent.

We may record calls, online chats, and other communications for quality assurance, confirming our discussions and your instructions, resolving complaints, and training purposes. If you prefer to keep your communications private, you can visit our offices or contact us via mail or email.

We use cookies, web beacons, and other technologies to identify you on our website, gather usage information, and enable web-based services. Detailed information on these technologies and how to disable them is available on our Terms of Use page. Turning off these features may affect your ability to access certain parts of our website.

If you provide us with information about other individuals covered by your insurance (e.g., listed drivers), you are responsible for obtaining their consent to share this information and for agreeing to this Privacy Policy on their behalf.

How We Use Your Personal Information

Your personal information is used to enhance our services and communicate effectively with you. We use it to verify your identity and property, facilitate the assessment and underwriting of insurance risks, determine accurate prices, fees, and premiums, investigate and assist in adjusting claims, and arrange for their settlement. Additionally, we use this information to promote and market products and services offered by SWITCH Insurance, our affiliates, or strategic partners, conduct market research, deliver relevant advertisements on our website and third-party sites and apps, compile statistics for industry databases, report to regulatory or industry entities, detect and prevent fraud, unauthorized, or illegal activities, and comply with legal obligations, including tax requirements. We may share your information with third-party service providers for external processing and among our affiliates and partners to support any of these purposes.

Sharing Your Personal Information

When we disclose your personal information to third parties, we ensure they protect and handle your information consistent with our privacy practices and applicable laws. These third parties may process and store your information outside of Canada, subject to the laws of those jurisdictions. We do not sell your personal information and only disclose it as legally required.

Securing Your Consent

We ask you to consent to collecting, using, and disclosing your personal information. Consent may vary depending on the circumstances and the type of information being collected. By providing information about additional household members or employees, you confirm they have consented to collecting, using, and disclosing their information. You may withdraw your consent anytime, but this may affect our ability to offer or renew insurance policies.

Protecting Your Personal Information

We maintain appropriate policies to ensure customer information is available only to employees and authorized service providers who need it to serve you. We take reasonable steps to protect against loss, theft, unauthorized access, use, alteration, destruction, or disclosure of your personal information. We continually enhance our security measures to meet market standards.

Accessing and Updating Your Personal Information

You have the right to access and request correction of your personal information under our control, subject to legal restrictions. If you want to access or correct your information, please don’t hesitate to get in touch with our Privacy Office. We may charge a reasonable fee for copying and sending the requested information.

Questions and Concerns

If you have any questions or concerns about our Privacy Policy or practices, please don’t hesitate to get in touch with our Privacy Office. If we are unable to resolve your concern, please don’t hesitate to contact your privacy regulator. Our Privacy Office can provide this contact information upon request.

Policy Updates

We may update this Privacy Policy periodically, so please look at it often. The most recent version will always be available on our website.

Cookie Policy

When you visit our website, we automatically collect certain information about your device, including your web browser, IP address, time zone, and some cookies installed on your device. We also collect information about the web pages you view, what websites or search terms referred you to our site, and how you interact with it. This automatically collected information is referred to as “Device Information.”

We collect Device Information using technologies such as:

• Cookies: Data files placed on your device or computer often include an anonymous unique identifier. For more information about cookies and how to disable them, visit http://www.allaboutcookies.org.

Additionally, when you complete any form on the site, we collect information such as your name, email address, and phone number (“Form Information”). We use this information to give you more details on our services, communicate with you, and, in line with your preferences, provide information or advertising about our products or services.

Hotjar

We use Hotjar to understand our users’ needs better and to optimize our service and experience. Hotjar is a technology service that helps us understand user experience by collecting data on behaviour and devices. This includes a device’s IP address (processed during your session and stored in a de-identified form), device screen size, device type, browser information, geographic location (country only), and preferred language. Hotjar stores this information in a pseudonymized user profile on our behalf and is contractually forbidden to sell any collected data. For further details, see the ‘about Hotjar’ section on Hotjar’s support site.

Google Analytics & Google Ads

We use Google Analytics to understand how customers use the site. You can read more about how Google uses your information at Google’s Privacy Policy and opt-out at Google Analytics Opt-Out.

Google Adwords, including the Search and Display Network, allows us to choose the audience that will see ads based on who they are, what they are looking for and what they like. You can visit Google Privacy Policy to understand your controls or to opt-out.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please get in touch with our Privacy Office at:

620 Nine Mile Drive, Suite 208, Bedford, Nova Scotia, B4A 0H4
Email: Hello@SwitchInsurance.ca
Phone: (888)-483-3296