Palmer Insurance Brokers (Fenelon) Ltd., Privacy Policy

Personal Information Protection Notice

INTRODUCTION: Protecting the confidentiality of your personal information has always been an important part of the way we do business. To ensure that we protect your privacy, Palmer Insurance Brokers (Fenelon) Ltd., has adopted a Privacy policy in following with the IBC (Insurance Bureau of Canada) model. This code sets out how and why we collect and use personal information about our customers. It also explains circumstances under which we may need or be required to disclose it.

"Personal information" means information that identifies you as a specific individual. It does not include the sort of general information that could be found in a business directory or a telephone book.

Effective January 1st, 2004 the Government of Canada implemented the last phase of the Personal Information Protection and Electronic Documents Act (PIPEDA). This federal statute applies to insurance companies and many other industry sectors.

This legislation establishes rules and principles for the use and disclosure of personal information based on the ten privacy principles developed by the Canadian Standards Association. These principles recognize that we live in an era when commercial information is exchanged and circulated by electronic means. It balances the individuals right to privacy in their personal information with the reasonable need of organizations to collect, use or disclose personal information.

OUR PRIVACY COMMITMENT TO YOU: Palmer Insurance Brokers (Fenelon) Ltd., values your business and we thank you for your confidence in choosing our brokerage . As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.

HOW WE COLLECT, USE AND DISCLOSE YOUR INFORMATION: We and our authorized representatives collect, and may have collected previously, personal information that is necessary to: Communicate with you; Assess your application for insurance including underwriting and pricing your policies; Confirm information provided by you; Evaluate claims; Detect and prevent fraud; Analyze risk and business results; Act as required or authorized by law. We assume your implied consent for the collection, use and disclosure of this information in an appropriate manner for the above reasons.

WHAT WE WILL NOT DO WITH YOUR INFORMATION: We do not sell customer information to anyone. Nor do we share customer information with organizations other than our affiliates that would use it to contact you about their own products or services.

PROTECTION OF YOUR PERSONAL INFORMATION: All personal information is safeguarded with appropriate security measures.

YOUR PRIVACY CHOICES: You may also withdraw your implied consent at any time – subject to legal or contractual obligation and on providing us reasonable notice – by contacting our Privacy Officer. Please be aware that withdrawing your consent may prevent us from providing you with the requested product or service. We may occasionally use your personal information to tell you about other services or products that we believe may be of interest to you. If you would rather not receive this type of communication, please let us know through our Privacy Officer.

IF YOU NEED MORE INFORMATION: For more specific information about our privacy code. contact our Privacy Officer in writing at: Attention: Privacy Officer Palmer Insurance Brokers (Fenelon) Ltd.