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Privacy Policy - InsuranceHotline.com

Our commitment to privacy: InsuranceHotline.com owned and operated by RATESDOTCA Group Ltd., knows that protecting the privacy and confidentiality of your personal information is important to consumers.

This Privacy Policy governs InsuranceHotline.com. Collection, use and disclosure of personal information by us and our affiliates are governed by the Personal Information Protection and Electronic Documents Act (the “Act”), and any applicable provincial legislation. This Privacy Policy explains what personal information is collected from its customers and how it is used. It also explains how you can ask questions, make suggestions, and complain about our privacy practices. This Privacy Policy applies to personal information (see below) collected by us, including our websites. Be aware that our websites may contain links to other websites provided and maintained exclusively by third parties not subject to this Privacy Policy. Please review the privacy policies on any external websites to determine their information handling practices.

This Privacy Policy is available to the public in electronic form at /privacy. If you have any additional concerns or questions, we encourage you to contact us and we will address your concerns to the best of our ability. Please read this Privacy Policy carefully, and check back periodically as we update it from time to time. By submitting your personal information to us, you signify your agreement to the terms and conditions of this Privacy Policy.

What is personal information? Personal information is any information about an identifiable individual. Personal information does not include the name, title, business address or telephone number of an employee of an organization.

Children: If you are under 18, be sure to obtain your parent or guardian’s permission before you send any personal information to us, or anyone else, over the Internet. We encourage parents to get involved with their children’s online usage and to be aware of the activities in which they are participating.

What personal information do we collect, and why? 

We collect personal information for specific, limited purposes. Information is collected by fair and lawful means. Anyone can navigate this website without giving us personal information.

We do use personal information to provide insurance quotes that we think you would expect when you are shopping for insurance. We collect personal contact information (for example, name, address, email address and telephone numbers) if you: request an insurance quote or other service; sign up for a newsletter or other email services; are an insurance broker or agent and have an account with us; or provide it to us when you click the submit button on our website forms. This information is used to fulfill your request, provide targeted advertising and respond to your inquiries and feedback.

• If you are a broker or agent, we retain your login ID and passwords so that upon request by you and receipt of identification we may remind you of them.
• If you enter a contest or other promotion, we use your personal contact information to administer the contest or promotion including contacting, announcing and promoting prize winners.
• We collect demographic information, as well as quote request history and a list of promotions offered to you (“history”), in order to gain a better understanding of your interests so that we may develop better products and services, and to determine eligibility for our products and services.
• We may also use demographic, personal contact and history information from time to time to contact you about changes, enhancements or other notices related to goods or services you requested and which we provide. In addition, we may use this information to send you offers or information from us, our affiliates and from selected sponsors or advertisers (“Marketing Offers”). If you do not wish to receive Marketing Offers, you may opt-out at any time by following the procedure set out in our opt-out policy (see below).
• We keep notes and special instructions on file for insurance brokers and agents to help us fulfill your request and provide customer service. We may tape or monitor your telephone calls with our customer service representatives for quality assurance purposes.
• We may collect credit card information if you: are an insurance broker or agent. This credit card information is used for the purpose of fulfilling your order.
• If you choose to opt-out of any use of your personal information in accordance with our opt-out policy, we keep your contact information on a list so that your request can be honoured. If you complain to any of our departments, we collect your contact information and the nature of your complaint, for the purpose of investigating and responding to you.
• If you are a service provider, we collect your social insurance number for tax reporting purposes and your contact information in order to pay you. We may also collect financial information from service providers and from advertisers (for example, banking details and credit history) to assess credit risk, sales data to prepare royalty reports and other information to help us evaluate your services.
• If you use any of our websites, we may assign an internet cookie. An internet cookie is a small text file that a website stores on your internet browser and that can collect and store information. We use cookies to better understand how you use our websites, to make sure our ads and dynamic content are served correctly and to improve the performance of our websites. For example, a cookie may recall a set of preferences you have set for our website and record items that you have registered for. Storing cookies on your web browser allows us to present you with custom web pages and other content that are tuned with your preferences. For example, if you are a registered user, you may see a welcome page with your name on it. These activities are invisible to you, and are generally intended to improve your internet surfing convenience. Unless you have set your preferences so that you will be alerted when a cookie is being stored on your computer, you won’t know about it.
  
  

Cookies and Advertising

If you are concerned about cookies, it is possible to turn them off in your web browser preferences. However, please be aware that by disabling cookies, you may not be able to use all portions of our websites, particularly pages requiring registration.

We may place advertising or other links on our sites that originate from outside advertisers. If you view these ads, the advertisers may assign a cookie. We do not control these cookies, nor are we responsible for any marketing or other use of your name by these advertisers.

InsuranceHotline.com and its partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

Please review your browser’s documentation, including the links below:

• Google Chrome
• Internet Explorer
• Mozilla Firefox
• Safari (Desktop)
• Safari (Mobile)
• Android Browser
• Opera
• Opera Mobile

As is true of most websites, we gather certain information automatically. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data to analyze trends in the aggregate and administer the site.

We generally use your personal information for the purposes of: managing, administering, collecting or otherwise enforcing accounts; maintaining business records for reasonable periods of time and generally managing and administering our business; and meeting regulatory, legal, insurance, audit, security and processing requirements. Occasionally, we ask our customers to complete market research surveys. Survey results are aggregated and shared with our advertisers, sponsors and affiliates in a manner that does not disclose personal information. Other than as permitted or required by law, purposes for the collection, use or disclosure of personal information, which are not set out in this Privacy Code, will be set out at the time of collection. You will be given a reasonable opportunity to opt-out of any additional purposes no later than the time of collection.

We partner with a third party to display advertising on our website or to manage our advertising on other sites, including ads pertaining to our client’s products. Our third party partner may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests. Please note that you will continue to see advertisements, but they will no longer be tailored to your interests.

To opt-out of interest-based advertising by participating companies in the following consumer choice mechanisms, please visit:

-Digital Advertising Alliance (DAA)’s self-regulatory opt-out page (http://optout.aboutads.info/) and mobile application-based "AppChoices" download page (https://youradchoices.com/appchoices)
-European Interactive Digital Advertising Alliance (EDAA)'s consumer opt-out page (http://youronlinechoices.eu)
-Network Advertising Initiative (NAI)’s self-regulatory opt-out page (http://optout.networkadvertising.org/)

InsuranceHotline.com. participates in the Digital Advertising Alliance of Canada’s (the DAAC) self-regulatory principles for online behavioral advertising. You may also visit the Adchoices consumer opt out page to learn more about interest-based advertising and manage your ad preferences. Please note you will continue to receive generic ads.

To whom do we disclose personal information, and why?

InsuranceHotline.com is not an insurance company or an insurance broker/agent. We work with insurance companies and insurance brokers/agents on this website and you will be disclosing information to them as well as to InsuranceHotline.com if you choose to receive an insurance quote from us. This will be clearly indicated, and it is part of the quoting process.

We may also disclose your personal information under the following circumstances:

• In order to provide you with Marketing Offers (see above), we may disclose your personal contact information to affiliates and selected sponsors and advertisers. If you do not wish to receive Marketing Offers, you may opt-out at any time by following the procedure set out in our opt-out policy (see below).

We may transfer your personal information on a confidential basis to a third party (which party may be outside of Canada) acting on our behalf in order to perform processing and other specialized services, for example, prize fulfillment of our contests, collection of overdue accounts, product delivery, or credit card processing. These companies are authorized to use your personal information only as necessary to provide these services to us, pursuant to written instructions. In such cases, these companies must abide by our data privacy and security requirements, and are not allowed to use personal information they receive from us for any other purpose.

• Your personal information may be processed and stored outside of the province in which you reside and/or outside of Canada by us, an affiliate or a third party service provider for the purposes set out in this Privacy Code and, under the laws of these other jurisdictions, in certain circumstances foreign courts, law enforcement agencies or regulatory agencies may be entitled to access your personal information.
• We may disclose your personal information to our affiliates for internal audit, management, billing, administrative, marketing, promotion, or other business purposes.
• When we need to disclose your personal information to unrelated parties, for example, if we find you have violated any stated terms of service or conditions of purchase, or if we need to comply with applicable laws and lawful governmental requests, other legal and regulatory authorities and other legal reasons.
• We may disclose your personal information to parties connected with the contemplated or actual financing, insuring, sale, assignment or other disposal of all or part of our business or assets, including for the purposes of determining whether to proceed or continue with such transaction or business relationship or fulfilling any records or other reporting requirements to such parties. We will require such parties to treat your personal information in accordance with this Privacy Code and to use and disclose it only for the purposes for which it was collected.

Consent and opt-out policy

Personal information collected by InsuranceHotline.com is used to provide an insurance quote or other service. Any information requested by the presentation of any form on our website will be clearly marked and no collection will take place unless you, not only fill in the form, but also actively consent and successfully submit that form’s content to us.

In general, we seek consent to use your personal information in accordance with our opt-out policy. Except as set out in this section, we obtain your express opt-in consent to use or disclose sensitive personal information.

If you do not wish to receive Marketing Offers, you may opt-out at any time by doing any of the following:

• Follow the instructions at the bottom of any email Marketing Offer you receive.
• Reply to text message from InsuranceHotline.com with 'X' or 'STOP' to no longer receive further text messages.
• Call InsuranceHotline.com at 1-855-821-7312 and request that your personal information not be used for Marketing Offers.
• Email InsuranceHotline.com at [email protected] and request that your personal information not be used for Marketing Offers.

Please allow a reasonable time (approximately 2-4 weeks) for processing of your request.

Generally, by providing us with your personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this Privacy Code, if applicable, or otherwise at the time of collection. We reserve the right to use and disclose your personal information without consent where required or permitted by law, for example, if we have reasonable grounds to believe the information could be useful when investigating a contravention of a federal, provincial or foreign law, in order to protect or defend our legal interests, or to comply with applicable laws and lawful governmental requests, including to meet national security or law enforcement requirements.

Safeguards: We maintain personal information in a combination of paper and electronic files. We take technical, contractual, administrative and physical security measures to protect your personal information. For example, when you provide personal information to us, we work to help protect the security of your information by using industry standard secure sockets layer (SSL) encryption technology.

How to access and correct your personal information

Upon request InsuranceHotline.com will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by calling InsuranceHotline.com at 1-855-821-7312 and we will make the changes upon receipt of appropriate evidence.

We will respond to your request within a reasonable timeframe.

We will give you access to the information we retain about you within a reasonable time, upon request, satisfactory identification and proof of entitlement. In some cases, we may not provide access to personal information in our possession or control. If we deny your request, we will advise you in writing of the reason for the refusal and you may challenge our decision.

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this privacy policy unless a longer retention period is required or permitted by law.

Changes to this Privacy Policy We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

How to challenge our privacy practices

We encourage you to contact us with any questions or concerns you have about your privacy or this Privacy Statement. If you have a question concerning our Privacy Statement, or if you have a complaint, please contact InsuranceHotline.com at:

Privacy Officer
InsuranceHotline.com
360 Adelaide Street West, Suite 100
Toronto, Ontario
M5V 1R7
Canada

Phone: 1-855-821-7312
Email: [email protected]

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

This Privacy Statement was last updated on March 3, 2020.

What security measures does InsuranceHotline.com have in place to safeguard your personal information?

InsuranceHotline.com is concerned about the safety and security of our customers. Accordingly, we have put a number of technological protections in place to ensure that our insurance quoting process is extremely safe and that our customers’ information is secure.

Our site uses technology that ensures your personal information is kept confidential and secure. Please refer to our Privacy Policy for further details on how your personal information is used and protected.

When you provide InsuranceHotline.com with any personal information — your name, email, phone number, driving history, etc. — it’s done on a secure server. One of today’s most advanced security systems — Secure Socket Layers (SSL) — encrypts all information you provide before sending it to our own server. Only when it reaches our servers is your information decrypted. InsuranceHotline.com uses VeriSign SSL certificates, the world’s leading Internet security technology, to secure our site and protect any information that you send us over the Internet.

SSL uses a private key to encrypt data that is transferred over the SSL connection. This protocol is a standard used by many websites when you submit confidential information. SSL creates a secure connection between your browser and our server. Addresses of web pages using an SSL connection start with https: instead of http: and most browsers also display an icon of a closed padlock when you visit a page using SSL.

Other things you can do to enhance your security whenever you are online include the following:

• Use an Internet firewall (hardware or software)
• Use current software and operating system versions; get updates and security patches regularly
• Use anti-virus software and download updates frequently
• Use your own PC
• Choose a hard-to-guess password; change your password regularly
• Use a unique Username/Password, not one you use on other websites
• Use strong 128-bit encryption available in the latest version of your browser
• When finished, logoff the website and close your browser
• For additional security, you can also clear your browser’s cache and temporary Internet files
  
  

Contact us:

If you have any questions or concerns about security on our website, please send us an email at [email protected].

InsuranceHotline.com Terms of Use

COVERAGE LIMITS, DEDUCTIBLES, AND CERTAIN EXCLUSIONS ARE LIMITED TO THE TERMS AND CONDITIONS CONTAINED IN YOUR POLICY. PLEASE READ YOUR POLICY FOR DETAILS. THIS WEBSITE IS FOR INFORMATION PURPOSES ONLY.

You are the final decision maker when it comes to selecting coverages and deductibles. The Insurance Package descriptions, preset coverages and deductibles, and assistance offered herein are provided merely as a starting point for your desired level of coverage.

InsuranceHotline.com makes no express or implied warranties or representations as to the suitability of the Insurance Packages to your particular circumstances or purpose, or to the completeness of the insurance assistance provided.

To the extent allowed by law, InsuranceHotline.com shall not be responsible for any loss or any direct, indirect, incidental, special or consequential damages caused by reliance on this information.

InsuranceHotline.com owns and operates this Web, located at http://www.insurancehotline.com (the Web site). This Terms of Use Agreement (this Agreement) states the terms and conditions under which you may access and use the Web site. By accessing and using the Web site you are indicating your acceptance to be bound by the terms and conditions of this Agreement. If you do not accept these terms and conditions, you must not access or use the Web site. 

IF YOU ARE DISSATISFIED WITH THE TERMS, CONDITIONS, RULES, POLICIES, GUIDELINES OR PRACTICES OF THE INSURANCEHOTLINE.COM OPERATING WEB SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING IT. 

InsuranceHotline.com may revise this Agreement at any time by updating this posting. Use of the Web site after such changes are posted will signify your agreement to these revised terms. You should visit this page periodically to review this Agreement.

Assistive Devices

We will ensure that our staff are trained and familiar with various assistive devices we have on our website or which we provide that may be used by customers with disabilities while accessing our services.

Communications

We will communicate with people with disabilities in ways that take into account their disability.

Service Animals

We welcome people with disabilities and their service animals. Service animals are allowed on the parts of our premises that are open to the public.

Support Persons

A person with a disability who is accompanied by a support person will be allowed to have that person accompany them on our premises.

Notice of Temporary Disruption

In the event of a planned or unexpected disruption to services for customers with disabilities, InsuranceHotline.com will notify customers promptly. This clearly posted notice will include information about the reason for disruption, its anticipated length of time, and a description of alternative services, if available.

Notices will be made publicly available at any public entrances to the premises, the InsuranceHotline.com website, and any outgoing telephone messages.

Training

InsuranceHotline.com will provide accessible customer service training to employees, volunteers, and others who deal with the public or other third parties on our behalf. Training will also be provided to people involved in the development of policies, plans, practices, and procedures related to the provision of our services.

Training will be provided on an ongoing basis in connection with changes to this document and will be provided to appropriate staff and contract workers as soon as practicable after he or she is assigned the applicable duties.

Feedback Process

Customers who wish to provide feedback on the way InsuranceHotline.com provides services to people with disabilities can provide feedback by phone or email.

Customers can expect to hear back in 2 business days.

Modification to This or Other Policies

Any policy, practice or procedure of InsuranceHotline.com that does not respect and promote the principles of dignity, independence, integration and equal opportunity for people with disabilities will be modified or removed.

Contact InsuranceHotline.com

If you would like to contact us, please send us an email message at one of the email addresses below and we will respond as quickly as possible and in no later than 2 business days.

Please note that InsuranceHotline.com does not sell insurance, is not a licensed broker or agent, and is not owned in whole or in part by an insurance company, agent or brokerage. Unfortunately, this means we cannot answer or address any insurance-related questions or concerns nor give insurance-related advice. We encourage you to search our site for more helpful information, including articles, resources, and frequently asked questions.

Mailing Address:

InsuranceHotline.com
360 Adelaide Street West, Suite 100
Toronto, Ontario
M5V 1R7
Canada

Office Hours:
Monday to Friday
8:00 am to 6:00 pm (Eastern Time)

Call Centre Hours:
Monday –  Friday: 8am – 8pm
Saturday: 8:30am – 4pm

Phone
1-855-821-7312

Note: InsuranceHotline.com does not provide quotes or sell insurance policies in our office. Please use our online quoting engine on this website to find your best rates and we will connect you with the insurance brokers and/or agents who can provide your policy after you have completed your quote online.