Privacy Policy
At Max Insurance, we value our relationship with you as a customer, partner, or visitor to our website and recognize our responsibility to protect and keep private your personal information. We place a high priority on your personal privacy and remain committed to protecting it.
By using the Max Insurance website or by choosing to submit personal information through either an insurance broker or directly to Max Insurance, you provide your consent to Max Insurance’s collection, use and disclosure of your personal information in accordance with the following Privacy Principles.
Max Insurance reserves the right to modify these Privacy Principles at any time. Please ensure that you review these Privacy Principles periodically so that you understand how we may use your personal information that we may collect.
Our Privacy Principles have been developed to comply with the principles set out in relevant legislation and regulatory guidelines, including amongst other sources, the Personal Information Protection and Electronic Documents Act.
Principle 1 - Accountability
We are responsible for all personal information in our possession or control, whether supplied to us directly by you or by a third party. This does not include the name, title, business address, telephone number or any other information of an employee of an organization made available in public records.
If at any time you have questions or concerns about the handling of your personal information, then please reach out to our Privacy Officer.
Principle 2 - Identified Purposes
We may collect, use, and disclose personal information as is reasonably required to:
- Identify you and ensure the accuracy of your personal information;
- Establish and maintain communications with you;
- Understand your needs;
- Assess your eligibility for our insurance products;
- Offer and provide insurance products and services to you;
- Analyze risks, establish pricing and effect reinsurance;
- Administer, bill and service your insurance products and services;
- Investigate and settle your claims;
- Service your ongoing insurance needs;
- Respond to your inquiries and contact you through telephone, email, and other appropriate communication channels;
- Meet regulatory and legal requirements; and
- Protect against fraud or other illegal activities.
We also may collect, use or disclose your information to our affiliated companies, your agent and/or broker, operators of insurance industry databases, government agencies, other insurers, reinsurers, credit bureaus and/or any other person, corporation, firm or enterprise as reasonably required for the purposes stated above.
Information may be collected by entities, or transferred, outside of Canada for processing, storage, analysis or disaster recovery, and may be subject to disclosure to those authorized under applicable laws of the foreign jurisdiction.
If we use your information for any other purpose than listed above, we will explain the purpose and obtain your consent prior to such use.
Principle 3 - Consent
By applying for insurance, continuing your business relationship with Max Insurance, accessing this website, or by providing Max Insurance with personal information, you provide your consent for the ongoing collection, use and disclosure of your personal information as described in these Privacy Principles. In most cases, your consent may be withdrawn with reasonable notice; provided that the request will not interfere with Max Insurance's ability to offer and provide insurance products and services to you. If you choose to do so, we will explain the implications of withdrawing your consent.
Principle 4 - Limiting Collection
We will collect, use or disclose your personal information that is required to do business with you or as required by law.
Principle 5 - Limiting Use, Disclosure, and Retention
We will not use or disclose your personal information for purposes other than those for which it was collected and only in accordance with the terms of these Privacy Principles, except with your prior implied or expressed consent or as required by law.
Disclosure within Max Insurance
Max Insurance and/or its affiliate companies may internally share your personal information for the purposes mentioned in these Privacy Principles. Only employees & contractors of affiliated companies with legitimate business reasons will have access to your personal information.
Disclosure to Third Parties
We may share your personal information to third parties which may include:
- brokers, agents, adjusters, private investigators, industry databases, government agencies, reinsurers, other vendors, other insurance carriers, regulatory organizations, payment vendors, credit and consumer reporting agencies or other relevant parties as necessary.
Only third parties with legitimate business reasons will have access to your personal information.
Disclosure Outside of Canada
Max Insurance may use service providers located outside of Canada or related companies located outside of Canada to collect, use and store your personal information for the purposes mentioned in these Privacy Principles.
Disclosure To You
We may share information or data with you in the regular course of running our business. All information or data we share with you is solely for the purpose of helping you evaluate and potentially place your insurance policy with Max Insurance and should not be used or shared with any third parties other than for this purpose.
Retention Periods
We will retain your personal information only for as long as necessary for the identified purposes in these Privacy Principles or as required by law.
Business Transactions
If we enter talks about a commercial transaction with a third party, we may share personal information, subject to commercially reasonable privacy protections, that is deemed necessary in order to satisfy the business needs of such transactions.
Cookies - Google Analytics
We use Google Analytics to anonymously gather information about your use of Max Insurance’s website. Google Analytics utilizes a set of cookies to collect data about our website’s traffic and provides reports on our website’s usage, which may include information about the number of website visitors, where visitors are accessing this website from, time spent and pages visited on this website. We use this website traffic data to help us understand who visits this website and how this website is used. You may opt-out of Google Analytics by installing the Google Analytics browser opt-out add-on.
Our Privacy Principles do not apply to the privacy practices of any third party sites (including any third party cookies utilized on Max Insurance’s website).
Principle 6 - Accuracy
We will maintain your personal information in our possession and make reasonable efforts to ensure it is accurate, complete, and up to date based on the most recent information provided to Max Insurance. You are solely responsible for the accuracy of all personal information that you provide to Max Insurance and must promptly notify Max Insurance of updates to such information as it changes to ensure that such personal information remains accurate and complete.
Principle 7 - Safeguards
We will maintain reasonable physical, electronic and procedural safeguards to ensure your personal information is protected against loss, theft, unauthorized access, disclosure, copying, use or modification.
Principle 8 - Openness
At your request, where appropriate, we will make available information about our policies and procedures relating to the management of your personal information. You can contact our Privacy Officer with any requests to access to your personal information.
Principle 9 - Individual Access
Upon your request, where appropriate, we will inform you of the existence, use and disclosure of your personal information which is in our possession and control. You have the right to request changes if required to correct or amend your personal information in our possession and control in cases where accuracy and completeness is deficient. We will respond to your request within a reasonable time following receipt of your written request (which may be delivered by electronic mail).
Refusal of Request for Disclosure
We will make every effort to disclose your personal information to you upon request. If a request for disclosure is denied, we will provide an explanation.
Examples of reasons for non-disclosure include:
- Cost Preventative Reasons
- Personal information that contains information about other individuals that cannot be released
- Commercial Proprietary Reasons
- Legal and Security Litigation Reasons
Principle 10 - Contact Max Insurance
For more information related to our Privacy Principles, or to raise a concern or make an enquiry, please contact:
Max Insurance’s Privacy Officer
50 Queen Street North, Suite 710
Kitchener, Ontario N2H 6P4
Email: privacyofficer@maxinsurance.ca
