PRIVACY POLICY

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.

Personal Information Collected

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
  • Details about your motor vehicle such as year model and mileage
  • Details about your business such as annual revenue
  • Medical information such as any condition that may affect the operation of a vehicle
  • Employment information

Insurance Quotes: Information collected for the purposes of insurance quotes varies across different insurance types and may include (but not limited to): gender, age, occupation, smoking habits, coverage required, type of product required etc. Please review our insurance quoting forms for an exact list of data we collect.

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

Why do we collect personal information?

When you first become a client or whenever you acquire or renew a product from us or request a quote for one of the products introduced on this web site, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

  • Enable us to provide you with an insurance quote
  • Enable us to acquire or renew an insurance policy for you
  • Assist you and assess 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
  • Protect us both against error or fraud
  • 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 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

Privacy Internet Communication

As the privacy of communication over the Internet cannot be guaranteed, we do not assume any responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.

Service Providers

We may employ third party companies and individuals to facilitate our Website and business (“Service Providers”), to provide services on our behalf, to perform services or to assist us in analyzing how our Website is used. We also may employ agents to fulfill functions on our behalf, such as providing marketing assistance, analyzing data, preparing and maintaining site content, processing credit card payments and providing customer service. These agents have access to user and customer information as required in order to help them perform their functions on our behalf, but they are not allowed to use that information for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Website, such as Google Analytics. Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of the Website This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Advertising

We may use third-party Service Providers to show advertisements to you to help support and maintain our Service, such as Google, who as a third party vendor, uses cookies to serve ads on our Website. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Website or other websites on the Internet. You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Behavioural Remarketing

We may use remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors may use cookies to inform, optimize and serve ads based on your past visits to our Service. Google AdWords remarketing service is provided by Google Inc. You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads. Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Facebook

We may use Facebook’s remarketing service which is provided by Facebook Inc.

Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/; the Digital Advertising Alliance of Canada in Canada: http://youradchoices.ca/; or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/; or opt-out using your mobile device settings. For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

Consent

In using this site, you signify your consent to our privacy policy. If you are not in agreement, please do not use the site. We reserve the right, at our discretion, to update, change, modify, add, or remove this policy from time to time, as appropriate. Should we make changes, we will publish these on the site in a timely fashion.

Please do not hesitate to contact our Privacy Officer should you have any questions.

Our Privacy Officer may be contacted as follows:

Name of Organization: VLG Insurance Group Ltd.
Name of Privacy Officer: Mitchel VanWynsberghe
Address: 119 Church St. West, Delhi, Ontario N4B 1V9
Telephone: 519-582-3500
Fax: 519-582-4984
Email: insure@vlginsure.com

Upon request, an individual will be informed of the existence, use, and disclosure of his or her personal information which is under our control, and may be given access to, and challenge the accuracy and completeness of that information.