We collect, use, and disclose Personal Information for the following purposes:
Establishing and maintaining communications with you;
Verifying your identity and the accuracy of your Personal Information through, for example, the exchange of information with government agencies, industry associations, property and motor vehicle information databases, insurers, brokers, adjusters, or other insurance intermediaries; the foregoing organizations are also required to comply with privacy laws in the same manner as our company.
Investigating and settling claims;
Analyzing and assessing risk
Detecting and preventing fraud or other illegal activities;
Compiling statistics and reporting to regulatory or industry entities in accordance with prudent insurance practices;
Gathering your feedback to help us improve our services.
Complying with the law or the requests of law enforcement agencies or regulators; and
It is important that you understand and consent to our collection, use, and disclosure of your Personal Information. We rely on the following actions by you as indications of your consent to our existing and future use of your Personal Information for Identified Purposes, until you notify us of a withdrawal of your consent:
Your voluntary provision of Personal Information directly to us or through your insurance company, other entity, or representative for the purpose of investigating or settling an insurance claim and/or determining risk.
Your express consent or acknowledgement contained, for example, within a written, verbal, or electronic process;
Your consent solicited by us for a specified purpose;
Your consent given through your authorized representative such as a legal guardian, agent, or holder of a power of attorney.
WITHDRAWAL OF CONSENT
Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw your consent at any time. If you wish to withdraw your consent for the use of your personal information for all or part of the above purposes, please call our privacy officer at 1.888.204.4726 or email email@example.com .
Refusing to provide certain Personal Information or withdrawing consent for us to collect, use, or disclose your Personal Information may well mean that we cannot provide you with, or continue to provide you with, insurance claim or risk management services. We will inform you of any consequences of withdrawing your consent.
LIMITING COLLECTION AND RETENTION OF PERSONAL INFORMATION
We will only collect, use, or disclose Personal Information that is necessary for the Identified Purposes. We will retain your Personal Information only as long as necessary to accomplish the Identified Purposes or to satisfy our legal or business obligations.
We will keep your Personal Information as accurate, complete, and up-to-date as is necessary for the Identified Purposes.
We will protect your Personal Information by various physical, technological, and organizational safeguards. When your Personal Information is no longer needed, security safeguards will also be employed to ensure the safe destruction of your Personal Information.
We will use contractual and other means to control the use and disclosure of your Personal Information by third parties. We may process some or all of your Personal Information in jurisdictions outside of Canada, including the United States. You should note that some jurisdictions outside of Canada may not have laws that provide privacy protections that are substantially similar to those in Canada. We remain responsible for ensuring the security of any information that may be processed outside Canada.
ACCOUNTABILITY, OPENNESS, AND CLIENT ACCESS
You have the right to know what personal information of yours we have collected, used, or disclosed. Please submit your request in writing to our National Privacy Officer stating as specifically as possible the personal information you are requesting.
SCM has the right to refuse or limit a request for access if:
The information is protected by legal privilege
Granting access would reveal confidential commercial information
Doing so would reasonably be expected to threaten the life of security of another individual
The information was generated in the course of a formal dispute resolution process
The information would likely reveal the personal information about another individual
The information was collected for purposes related to the detection and prevention of fraud
National Privacy Officer, SCM Insurance Services, 2401-120 Adelaide St.West, Toronto ON, M5H 1T1
Telephone: 1.888.204.4726 or 416.777.4470