Privacy Policy

Personal information

Personal information is any information that allows a person to be identified or which relates to an identifiable individual other than the individual’s name, title, business address or business telephone number.

Personal information may be gathered from different sources, for example, it may come from you, through an on-line application, a telephone conversation, email exchange or otherwise; from other interactions with us, whether written or oral in the course of doing business; from a licensed broker with whom you have a relationship; or an adjuster in the course of a claim.

Personal information that we collect about you include:

Your consent

Personal information about you is only collected and used with your consent. Your consent may be express or implied. For example, by applying for or obtaining coverage from us, you implicitly consent to our collection of your personal information for the purposes described in this policy. In addition, when providing any personal information, either directly or through a secondary source (such as a licensed broker or adjuster), you consent to the collection, use and disclosure of such personal information for any additional purposes which are identified at the time of collection.

You may withdraw your consent permitting us to use your personal information except as may be necessary to provide you with the coverage or other services you have obtained from us or as may be required for us to meet legal or other regulatory requirements.

How we use and disclose your personal information

When you apply for or purchase insurance from us, you share personal information so that we may provide you with the products and services that best meet your needs and provide the insurance protection you have requested. In order to do this, we may use your personal information to:

We may use external service providers (including its affiliates), within and outside Canada to perform services on our behalf. Your personal information may be shared with these parties for the purposes described in this privacy policy. These parties may store your personal information outside of Canada, including in the United Kingdom and the United States. If your personal information is stored outside of Canada, it may be subject to laws of local application which may be different from the privacy legislation in Canada. Nonetheless, when we give affiliates and external service providers access to personal information we require them to comply with this privacy policy and all data protection and privacy laws applicable to ARAG and to such affiliate or service provider, as applicable.

In addition, we may use personal information to create aggregate tracking information reports regarding web site user demographics and web site traffic patterns. None of the tracking information in the reports can be connected to the identities or other personal information of individual users. We also may link tracking information with web site users' personal information. Once such a link is made, all of the linked information is treated as personal information and will be used and disclosed only in accordance with this policy, and in accordance with the law.

We do not sell customer information to anyone except in connection with a sale of all or substantially all of ARAG assets. Beyond providing personal information to our affiliates and service providers as described in this privacy policy, we do not share customer information with third parties except as described below.

We may disclose your personal information to a government institution that has asserted its lawful authority to obtain the information or where we have reasonable grounds to believe the information could be useful in the investigation of unlawful activity, or to comply with a subpoena or warrant or an order made by a court, person or body with jurisdiction to compel the production of information, or to comply with court rules regarding the production of records and information, or to protect the rights and property of ARAG. If ARAG is involved in a merger or other reorganization, we may disclose your personal information to the resulting organization. If all or substantially all of ARAG assets are acquired, your personal information will be disclosed to the entity that will continue to operate ARAG business. We will require any such purchaser to agree to abide by this privacy policy in respect of all personal information disclosed.

Personal information is kept as long as it is required for the purpose for which it was collected and to meet legal and government requirements. Policies and procedures are established to manage the destruction of personal information when it is no longer required for the purpose for which it was collected.

Protecting your personal information

The security of personal information is very important to us, and we take steps to safeguard it. We maintain physical, electronic and procedural safeguards in compliance with applicable law and industry business standards to guard all personal information. We limit access to personal information about you to those employees and agents who assist us in providing products and services to you. Employees who fail to follow our established standards are subject to disciplinary action. We also require our external service providers to whom we disclose personal information to adhere to this privacy policy and to establish and maintain information security procedures commensurate with the sensitivity of the personal information disclosed and which meet all legal requirements.

To help protect the confidentiality of your personal information, we employ security safeguards appropriate to the sensitivity of the information. Nevertheless, due to the nature of the internet and internet technologies, security and privacy risks for personal information transmitted over the internet cannot be eliminated and we cannot guarantee that such personal information will not be disclosed in ways not otherwise described in this policy.

More information regarding the data protection rights of using the internet can be found in our Terms and Conditions.

Access to and updating your personal information

You may update your personal information at any time by contacting us. You may request access to your personal information and information about our collection, use and disclosure of that information by contacting us. Subject to certain exceptions prescribed by law, you will be given reasonable access to your personal information, and will be entitled to challenge the accuracy and completeness of the information and to have it amended as appropriate. You can help us maintain the accuracy of your information by notifying us of any changes to your personal information.

Recourse & how to contact us

If you have questions or concerns about the privacy of personal information about you, please call us at 416-342-5400 (or toll free at 1-888-582-5586). We will be pleased to help you.

In most cases, a concern is resolved simply by telling us about it and discussing it with us. You should be able to get swift results by talking to us. But if you still have unresolved concerns, you may contact our Privacy Officer as follows:

ARAG Legal Solutions Inc.
121 King Street West, Suite 2200
Toronto, Ontario M5H 3T9
Canada

Attention: Privacy Officer
Telephone: (416) 342-5400
Fax: (416) 342-4530
E-mail: customerrelations@arag.ca

If the issue is still not resolved to your satisfaction, you may file a complaint with the Privacy Commissioner of Canada at notification@priv.gc.ca or by calling 1-800-282-1376 or any provincial privacy commission which has authority over our privacy practices.