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.
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.
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:
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:
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.
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:
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.
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.
If you have any questions or concerns about security on our website, please send us an email at [email protected].
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.
Our Statement of Commitment to Accessibility
RATESDOTCA Group Ltd. is committed to providing a barrier-free environment for all stakeholders, including our clients, employees, job applicants, suppliers, and any visitors who may enter our premises, access our information, or use our services. As an organization, we respect and uphold the requirements set forth under the Accessibility for Ontarians with Disabilities Act, 2005, and its associated regulations.
We understand that we have a responsibility for ensuring a safe, dignified, and welcoming environment for everyone. We are committed to ensuring our organization’s compliance by incorporating accessibility legislation into our policies, procedures, equipment requirements, training, and best practices. We will review these policies and practices annually, as organizational changes occur, or in anticipation of compliance deadlines. In addition, we will strive to meet the needs of individuals with disabilities in a timely and effective manner.
Providing an accessible and barrier-free environment is a shared effort, and we are committed as an organization to working with the necessary parties to make accessibility for all a reality.
Employment
In accordance with the IASR with respect to Employment, RATESDOTCA has implemented a process for responding to requests for individual accommodation, where suitable and necessary.
We will notify employees, potential hires and the public that accommodations can be made during the recruitment and hiring processes. We will notify staff that supports are available for those with disabilities. We have and we will continue to put in place to develop individual accommodation plans for employees.
Training
At RATESDOTCA Group Ltd., we believe in integration, and we are dedicated to meeting the needs of people with disabilities. We are committed to training staff, as it relates to their specific roles, in Ontario’s accessibility laws. We will incorporate accessibility criteria and features when procuring or acquiring goods, services or facilities. If it is not possible and practical to do so, we will provide an explanation upon request.
Information & Communications
We strive to communicate with people with disabilities in ways that take into account their disability. In accordance with the IASR with respect to Information and Communications, we are committed to making information accessible to people with disabilities. In order to achieve this:
We are in the process of updating our websites to meet the Web Content Accessibility Guidelines (WCAG) 2.0 Level AA website requirements following a recent acquisition. As we finalize this process, some requirements may not yet be implemented, however we are planning that our websites have increased accessibility ready for full access shortly.
To send feedback or if you require more detailed information on our accessibility plan and policies, please contact us:
Email: [email protected]
Telephone: 1-844-726-0907
Mail to: People Operations Department
RATESDOTCA Group Ltd.
360 Adelaide St, West
Toronto Ontario M5V 1R7
Copies of AODA documents are available upon request.
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.
Category |
Description |
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Technical Issues |
Website pages are not being displayed correctly or if you are not able to get a rate.
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[email protected] |
Comments and Feedback |
You have feedback regarding the InsuranceHotline.com service.
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[email protected] |
Media |
You are a member of the media and have an inquiry.
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[email protected] |
Marketing |
You would like to connect with a member of our Marketing staff.
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[email protected] |
Brokers and Agents |
You are a broker or an agent and would like to learn more about the InsuranceHotline.com service.
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[email protected] |
Affiliates and Partners |
You would like to learn more about InsuranceHotline.com’s Affiliate Partner program.
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[email protected] |
General Inquiries |
For all other and general inquiries.
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[email protected] |
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.
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.