Our Privacy Policy
We’re proudly part of the Collectivfide Brokerage Network, providing insurance services to our clients and the communities we serve. To arrange appropriate insurance coverage, brokers must collect certain personal information. Protecting that information is a top priority for our brokerage and the Collectivfide Broker Network.
We respect your right to privacy and are committed to safeguarding your personal information. This privacy policy explains how and why we collect, use, disclose, and protect your information. By continuing to deal with your broker, you consent to the terms of this policy.
Please note that this privacy policy does not govern the collection and use of personal information by companies that our brokerage does not control, nor by individuals not employed or managed by our brokerage. The collection and use of personal information by your insurance company will be subject to its own policy. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information.
Collectivfide Broker Network
The Collectivfide Broker Network is a group of insurance brokerages owned and operated by Collectivfide Insurance Group Inc. In this policy, Collectivfide Broker Network includes Collective Insurance Group Inc. and any entity in which has, or later has, an ownership interest, directly or indirectly, in whole or in part.
Collecting Your Personal Information
When you interact with our brokers, including when you apply for, purchase, or renew an insurance product, we may collect personal information from you. This information is collected and used for the following purposes:
To obtain or renew insurance coverage on your behalf
To evaluate your insurance needs and provide appropriate advice and services
To maintain accurate and up-to-date client records
To help detect, prevent, and protect against errors, fraud, or unauthorized activities
Collect premiums and fees
Investigate and settle claims
Compile statistics and conduct market research
Verify your identify
What Personal Information We Collect
The personal information we collect depends on the purposes for which it is needed. This may include, but is not limited to:
Basic information: name, address, marital status, and contact details
Insurance history: past claims, cancellations, and payments
Credit history
Driver record
Property details: such as the value of your home and belongings
Employment information: we may collect this information from a variety of sources, including you, other persons insured under your policy, insurance companies, other brokerages within the Collectivfide network, credit reporting agencies, motor vehicle and driver licensing authorities, financial institutions, advisors dealing on your behalf
Who We May Disclose Your Personal Information To
To provide you with insurance products and services, we may need to share your personal information with certain third parties. These parties may include, but are not limited to:
Insurance companies
Other members of the Collectivfide Broker Network
Credit reporting agencies
Professionals working with us, such as adjusters or lawyers
Financial institutions, such as organizations holding your mortgage
In addition, we may share aggregated and anonymized data in aggregate with certain third parties including, but are not limited to:
The organizations listed above
Shareholders of Collectivfide
Industry organizations
Third party data service providers
We may share personal information in connection with a transaction which your broker or the Collective Broker Network may be involved, including a merger, acquisitions, reorganization, financing, or similar transaction.
We may also disclose your personal information to other parties with your consent. As well, we may share your personal information if required to comply with any court order, law, regulation, or other legal process, including to respond to any governmental or regulatory request.
How is your information shared within the Collectivfide Broker Network?
Our parent company, Collectivfide Insurance Group Inc., its subsidiary Collectivfide Insurance Brokers Inc., and other brokers in the Collective Broker Network may access your personal information as reasonably necessary to support our brokerage and other brokerages within the Collectivfide network. This access is limited to operational purposes such as data entry, administrative support, and service delivery.
Other brokerages within the Collectivfide Broker Network may assist in the servicing of your insurance policy to ensure you continue to receive consistent and high‑quality service.
Each members of the Collectivfide Broker Network adheres to the same privacy, security, and safeguarding standards that we follow, and does not access your personal information for personal use or for any purpose unrelated to legitimate business operations.
How We Protect Your Personal Information
We are committed to safeguarding your personal information and respecting your privacy. To do this, we will use commercially reasonable efforts to:
Collect, use, and disclose your personal information in accordance with this policy
Implement data retention policies
Maintain your personal information in an accurate, complete, and up-to-date manner
Implement appropriate safeguards to protect your personal information from unauthorized access, use, or disclosure
Respond promptly to requests to access or correct your personal information
Obtain your consent where required for the collection, use, or disclosure of your personal information
We may store personal information collected from you on servers owed, operated or maintained by third party service providers, provided such third parties agree to maintain similar security measures to protect personal information.
How You Provide Your Consent
We may rely on any of the following as your consent for the collection, use, and disclosure of your personal information for the purposes outlined in this policy:
Your receipt of this privacy policy, unless you notify us in writing that you do not agree with its terms and wish to opt out of all or part of it
Your voluntary provision of information to our brokerage, whether orally or in writing, other actions which imply your consent
Your express written or oral consent obtained through an application or other process
Consent provided by an authorized representative, such as a legal guardian or someone holding power of attorney
In addition, we may use or disclose your personal information without your consent, where permitted under applicable law, in an emergency, or in circumstances necessary to protect your interests, or the interests of the Collectivfide Broker Network.
You have choices regarding how we handle your personal information. You may refuse to provide information, limit how we use it, or withdraw consent at any time. However, please note that restricting or withholding information may affect our ability to provide certain products or services. For example, if we cannot obtain information about your driving record, we may be unable to provide auto insurance. We are happy to discuss any concerns and help you make informed decisions regarding your personal information.
Changes to Our Privacy Policy
It is our policy to post any changes we make to our privacy policy on our website. If we make material changes to how we treat our users’ personal information, we will use reasonable efforts to notify you by email to the primary email address on file.
Contact Information
Please contact us if you wish to:
Access your personal information
Change or withdraw your consent regarding how we collect, use, or disclose your personal information
Make a complaint about our privacy practices or how we have handled your personal information
Ask questions about our privacy policies or request additional information
We are committed to addressing your concerns promptly and providing you with the information you need.
Contact Info
If you have any questions or concerns, you can contact your broker directly, or reach us at:
Collectivfide
350 Pinebush Rd
Cambridge, ON N1T 1Z6
info@collectivfide.com