Dale & Morrow Insurance and Financial Services Privacy Policy
OUR COMMITMENT TO YOUR PRIVACY
We are committed to providing our clients with excellent service. Doing business with a Property and Casualty insurance broker involves providing information about yourself, so protection of your personal information is one of our highest priorities.
Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we’ll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.
This is a brief summary of our privacy practices:
WHY DO WE COLLECT PERSONAL INFORMATION?
When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:
Enable us to acquire or renew an insurance policy for you;
Assist you and access your ongoing needs for insurance;
Assess your need for other products, such as financial products, and to offer them to you;
Ensure your information is accurate and up-to-date; and
Protect us both against error or fraud
WHAT PERSONAL INFORMATION DO WE COLLECT?
Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

Basic information such as your name, address, telephone and fax numbers, e-mail address, birth date and marital status
Claims history
Credit and past payment records
Driver’s record
Details about your property such as the value of your home and its contents
Medical information such as any condition that may affect the operation of a vehicle
Employment information
We may obtain this information from:
You
Insurance companies
Other insurance brokers or agents
Credit organizations
Motor vehicle and driver licensing authorities
Financial institutions
Medical professionals
WHO DO WE DISCLOSE YOUR PERSONAL INFORMATION TO?

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs.
These other parties commonly include:
Insurance companies
Other insurance brokers or agents
Credit organizations
Professionals working with us such as adjusters or lawyers
Financial institutions. For example, the organization that carries your mortgage.
HOW DO WE PROTECT YOUR PERSONAL INFORMATION?

In order to protect your personal information and right to privacy, we will:

Not collect, use or disclose your personal information for any purpose other than those that we identify to you.
Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law.
Maintain your personal information in as accurate, complete and up-to-date a form as possible.
Safeguard your personal information to the best of our ability
Respond to any request you may make to access or correct the personal information we hold about you.
Obtain the appropriate consent from you for the collection, use or disclosure of your personal information
CONSENT

We might ask you for your express consent in writing, for example in a signed consent or application form
We may ask for your express consent in person or over the telephone.
We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner.
There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.
YOU CAN CONTROL HOW WE HANDLE YOUR PERSONAL INFORMATION

We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use or share your personal information or you could also withdraw a previously given consent at any time.

However by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.

For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.

We’ll be happy to discuss particular situations with you to help you with your decision.
CONTACT INFORMATION AND RESOURCES
We are committed to treating you with respect and courtesy, and to providing the highest level of service.

We may obtain this information from:
You
Insurance companies
Other insurance brokers or agents
Credit organizations
Motor vehicle and driver licensing authorities
Financial institutions
Medical professionals

Please contact our Privacy Officer at the address below if you:
Wish to access your personal information.
Wish to change your consent to the ways in which we may collect, use or disclose your personal information.
Have a complaint about our privacy policies, or the manner in which we’ve handled your personal information
Have any other questions about our privacy policies, wish to obtain a copy of our Personal Information Policy & Procedure Handbook, or request additional information
We will respond to you promptly and do our utmost to resolve your concerns. To find out more about federal privacy laws, please contact the Office of the Privacy Commissioner at 1-800-282-1376 or visit their website at www.privcom.gc.ca.

The Dale & Morrow Privacy Officer is and she can be contacted at 905-451-1933
 
DALE & MORROW INSURANCE & FINANCIAL SERVICES…PRIVACY ACT
Our Commitment To Your Privacy
We value your business and we thank you for your confidence in choosing our company as your insurance broker. As our client, you have trusted us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information that you provide in the course of doing business with us.
Why Do We Collect Personal Information?
Whether you are a new client or are renewing an existing policy, we need to collect some of your personal information. This information is used to allow us to analyze your insurance needs and to provide you with the best possible insurance coverage, to help insure your information is up-to-date, assess your need for other products and to protect both of us against possible fraud or error.
Consent
We can obtain your consent in a number of different ways. It could be express consent in writing where you complete and sign an application form, it could be express consent verbally either over the phone or in person or we could determine that by seeking insurance through our company, your consent has been implied for us to deal with your personal information in a reasonable manner.
What Information Do We Collect?
The information required could vary depending on the client and the type of product or service that is required. Some of the information that could be required includes name, address, telephone and fax numbers, birth-date, claims history, credit and payment history, driving record, etc. This information could be provided by you, insurance companies, other insurance brokers, credit companies, financial institutions, etc.
Protecting Your Personal Information
Your information is only used to obtain for you the best possible coverage. In order to obtain this coverage we may have to share this information with other organizations such as insurance companies, other insurance brokers, credit companies, financial institutions, etc. We only provide this information when it is required, we safeguard your personal information to the best of our ability, maintain your information in as accurate, complete and up-to-date form as possible and respond to any request you may make to view or correct the information that we hold about you.
Your Privacy Choices
You have the option to withdraw your consent (subject to any required legal or contractual obligation and by providing us with reasonable notice) by contacting our Privacy Officer. However, this may limit or prevent us from providing you with the product or service that you require. For example, if you do not allow us to obtain information about your driving history, it is unlikely that we will be to provide you with auto insurance.
Contact Us For Further Information
If you need more information about our privacy policies and procedures, please contact our office and ask for our Privacy Officer.