Privacy Policy
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etfs has always placed the utmost importance on the protection of the personal information it handles. Personal information is any identifiable information about you or that can lead to your identification. It is with this in mind that we have a developed a privacy policy to detail just how we manage and protect your personal and sensitive information while complying with the requirements under the Personal Information Protection and Electronic Documents Act (“PIPEDA”).
Why we need your personal information
etfs collects, uses and may disclose your information for the following purposes:
- To offer you insurance products and services.
- To inform you about services and products offered by etfs.
- To assess your financial needs.
- To determine what product best suits your needs.
- To assess your insurability.
- To establish your eligibility for the appropriate insurance plan.
- To determine the applicable premium.
- To offer you the payment method that accommodates your needs.
- To send you a refund you may be entitled to obtain.
- To verify your identity.
- To provide you with assistance services.
- To verify the accuracy of your private information.
- To analyze claims.
- To pay claims.
- To obtain indemnities from third parties responsible for your losses.
- For other purposes that etfs will identify to you before collecting, using and disclosing your information.
How we collect your personal information
etfs collects your personal information directly from you. etfs also collects personal information from third parties, when necessary, but not without first obtaining your express written consent.
How we obtain consent from you
etfs informs you why it needs your personal information before obtaining your consent. Consent may be inferred from your voluntary disclosure of your personal information. etfs shall also obtain your express consent, orally or in writing, in most of the situations where your information is collected or disclosed. etfs will obtain your consent when it is needed for a purpose not first identified to you. etfs records your consent in your file.
Disclosure and Use of your Personal Information
No personal information is disclosed to a third party without your written consent, unless the disclosure of your personal information is permitted or mandatory under Canadian Federal and Provincial Laws. etfs will make sure your consent is enlightened, by informing you of the purpose for which we need to disclose the information. etfs also discloses your personal information to the following parties, when necessary for the performance of their duties: the underwriter of your insurance coverage, etfs subsidiaries, etfs employees and third parties engaged by etfs to provide services. etfs limits the disclosure by disclosing only the personal information necessary for the accomplishment of the purpose previously identified to you.
Withdrawing your Consent
You may withdraw your consent or refuse to have your information collected, used or disclosed for any purpose previously indicated to you. In certain circumstances, your consent may be required for legal or contractual reasons. In these circumstances, withdrawing or withholding your consent may affect our ability to offer services to you or, for example, your insurance coverage or your right to indemnification under an insurance contract may be affected. For more details, please contact our Privacy Officer (see “Questions, Request for Access, Concerns” below.)
Safeguarding your Personal Information
Your personal information is recorded in well-identified physical or electronic files. Physical files are stored in a secured area with limited access and kept safely so that their content remains protected from unauthorized access. Electronic documents are also kept on secured databases and our Information Technology Department ensures that their integrity and accuracy are preserved. Access to these databases is restricted and systems are protected, in particular, through the use of firewalls.
At etfs no documents, disks, or any other physical or electronic document containing personal information can be discarded without first ensuring and verifying that it cannot be restored. All documents containing personal information that is no longer required are destroyed.
Accessing your Personal Information
etfs verifies the identity of the requestor before giving access to personal information. You can have access to your file by sending a written request. Upon reception of the written request, etfs prepares a copy of the file and sends it to you only. If you believe that the information is not up to date or not accurate, etfs will, at your request, amend or correct it if it is found to be deficient. For more details on how to access your Personal Information, please contact our Privacy Officer see Questions, Request for Access, Concerns below. Under exceptional circumstances, access may be denied by etfs.
Retention of your Personal Information
etfs keeps your personal information as long as it is necessary to achieve the purposes for which it was collected and to satisfy legal and contractual requirements.
Questions, Request for Access, Concerns
If you have any questions, if you wish to access your personal information, if you wish to challenge etfs’ management of your personal information or have any other concerns relating to your personal information, please call at 1-800-465-8602 or 819-566-8833 and ask for our Privacy Officer. You may also contact our Privacy Officer at:
etfs
Privacy Officer
73, Queen Street,
Sherbrooke, Quebec
J1M 1J3
Email : privacyofficer@etfsinc.com
If you are not satisfied with our response you may contact:
