At CUMIS, we recognize and respect the importance of privacy. When you do business with us, we will ask you for your consent to collect, use and disclose your personal information. We will explain the purposes for which we will collect, use and disclose your personal information, and we will not share your personal information except with your consent or as required or permitted by law.
You can withdraw your consent at any time. You may access and correct, if needed, the personal information we have about you by sending us a request in writing to firstname.lastname@example.org or the mailing address below.
Your personal information may be accessed by our employees and other authorized personnel who need to use it to perform their duties. This may include third-party service providers, including those that are located outside of Canada. If your personal information was collected, used or disclosed within the province of Québec, it may be communicated outside Québec. To protect your personal information, we ensure that appropriate privacy and security requirements are included in our contracts with our third-party service providers.
With your permission, we may tell you about products and services that may be of interest to you. You can tell us what information you want to receive from us, and you can change your preferences at any time.
For more details about CUMIS's privacy practices, please refer to the information below.
Our client relationships are built on a foundation of trust. We are committed to protecting the privacy, confidentiality, accuracy, and security of the personal information collected, used, retained, and disclosed while doing business with you. We are responsible for all personal information under our control, whether supplied to us directly by you or by a third party or that we have provided to our third-party service providers for processing. We take our privacy obligations seriously and strive to implement privacy practices guided by the highest standards of ethical conduct.
We do not sell your personal information.
We will obtain your consent prior to collecting, using, retaining, or disclosing your personal information for specific purposes, except where we are specifically permitted by law to collect, use, retain or disclose your personal information without your consent such as when we are required by law to disclose your personal information to a government institution. If we wish to collect, use, retain or disclose your personal information for a new purpose, we will seek your consent before doing so.
Your consent can be implied or express. Implied consent refers to consent that is inferred from your actions. For example, when you provide personal information to us to obtain an insurance quote, we would infer that you are consenting to our collection and use of the personal information you provide to produce a quote. Express consent is consent that is given specifically, either verbally or in writing. When we ask for your express consent, we will explain what personal information we need, what we will use and disclose it for, and who we will share it with.
You may withdraw your consent at any time, and, subject to any applicable legal or contractual restrictions which we must fulfill, we will cease to collect, use and disclose your personal information after the withdrawal of your consent. If you withdraw your consent, or do not provide us with all necessary personal information, we will still do our best to provide you with our products or services; however, it may not be possible for us to do so.
We only collect personal information that we need for the specific purposes described in the consent provided by you.
Depending on the type of products or services we provide to you, and the consent that you have provided, we may collect the following personal information:
The following are some of the purposes for which we may, with your prior consent, collect, use, or disclose your personal information.
We may disclose your personal information to others where necessary and appropriate, but only if we need to for the purposes that you have consented to. We may disclose your personal information to the following:
To achieve our business purpose of providing financial security for Canadians and our communities, we may use technologies that incorporate automated decision making, while keeping your personal information safe. For example, we may use automated decision making to accelerate our underwriting process, which in turn may simplify and accelerate your insurance purchasing experience.
We will inform you if we make a decision based exclusively on automated processing of your personal information, no later than at the time we inform you of such decision.
Where we are making a decision based exclusively on automated decision making, at your request, we will explain the personal information used in such automated decision making process to make such decision, and the reasons, principal factors and parameters that led to the automated decision.
Where we are making a decision based exclusively on automated decision making, you can contact us by e-mail at email@example.com to correct any personal information used to render such decision.
We may use technology that includes functionality that, if activated, would allow us to identify, locate or profile you. If we do so, and you are located in the Province of Québec, we will provide you with the means to activate such functionality.
We want you to know that you can always:
Where applicable and permitted by law, we may ask for your consent to collect, use and disclose your credit file information (including your credit score). This is a common practice in the Canadian insurance industry. To access your credit file information from credit reporting agencies, we will need to share limited personal information with them to identify you, such as your name, address and date of birth.
At CUMIS, we may use your credit score to automatically generate a credit band rating factor which is then used by us in the assessment of risk associated with your application or policy. Typical items from a credit report that could affect a credit score include, but are not limited to, payment history, number of loans and credit cards, age of loans and credit cards, the presence of accounts that have been referred to collection agencies, and the presence of bankruptcies and foreclosures. For detailed information about which credit reporting agency we access, please contact us at firstname.lastname@example.org.
Our insurance risk assessment allows us to:
Our credit inquiries do not impact your credit score and your credit report will generally identify which companies have requested your credit file information.
We may also use your credit file information to confirm your identity and verify information about you, such as your current address, to detect fraud and misrepresentation.
We may retrieve your credit file information from time to time to ensure that we have the most accurate credit file information. You can revoke your consent at any time by contacting us in writing.
Only authorized personnel with a need to know may have access to your credit file information. For general information on this topic click this link Credit report and score basics by the Government of Canada.
We retain personal information only as long as is necessary to fulfill the purposes for which it was collected, unless authorized or obligated by applicable laws to retain personal information for a longer period.
We are committed to protecting your personal information. We take the security and confidentiality of your information very seriously. To find out more about our security practices, visit https://www.cooperators.ca/en/publicpages/security.
All our employees must abide by our Code of Ethics and Business Conduct and annually attest to doing so. In addition, we have developed and implemented privacy guidelines and practices which are reviewed, monitored and audited periodically.
We make every effort to ensure that the personal information we collect is accurate, complete, and as up to date as possible to properly satisfy the purposes for which it is to be used. It is important that you promptly notify us of any change to your contact information. If we are unable to verify your personal information or contact you, we may be limited in our ability to provide you with our products and services.
Upon written request, and confirmation of your identity, we will provide you with access to the personal information that we have obtained about you while doing business with you. However, there may be instances where we may, in accordance with applicable privacy laws, restrict access to your personal information, including where such information is subject to legal privilege, contains confidential commercial information, or relates to other individuals. If applicable, we will advise of the reasons for restricting access and inform you of any recourse that you may have. A response to your request will be provided within 30 days after we receive a written request and we have sufficient information to permit us to identify the existence of the personal information. In Alberta, a response will be provided within 45 days after receipt of a written request, and sufficient information to permit us to identify the existence of the personal information. Where permitted by applicable law, if we need more time to fulfill your request, we will notify you of such delay. There may be instances where medical information obtained about you from a third party can only be released to you through a physician. If you exercise this access right, we may charge you a reasonable fee for the transcription, reproduction or for the transmission of the personal information.
If you believe that the information in our files is inaccurate or incomplete, you have the right to ask us to correct it. We will review your request and, if we agree, will promptly make the necessary corrections.
To request access to or rectify your information contained in our file, contact us at email@example.com. If you authorize a third party to make a request on your behalf, we need your written consent to release your personal information to the third party.
Our goal is to help you meet your needs and provide the best service we possibly can. If you ever have a privacy-related concern, do not hesitate to contact us at firstname.lastname@example.org to discuss it. We take your privacy concerns seriously and we will investigate all privacy-related complaints, and where necessary we will take appropriate measures to address your complaint. Should you remain unsatisfied with our complaint process, we will inform you of what other complaint procedures are available to you.