Privacy Policy

At Canadian Insurance Alliance (2018) Inc. O/A HUB SmartCoverage we respect your privacy and value our relationship with you. By submitting your personal information to us, you are consenting to its use and disclosure for the following purposes:

• assess your application for insurance, including underwriting your policy;
• communicate with you for customer service,
• respond to your inquiries and maintain the accuracy of our records;
• evaluate and settle a claim;
• to detect and prevent fraud;
• provide you with HUB SmartCoverage, affiliate and related companies, and business partner products, services and related information and/or promotional materials to meet your needs;
• analyze business results; and
• to meet legal and regulatory requirements.
• develop and maintain our relationship with you, including inviting you to comment on the services we provide to you;
• approve transactions;
• verify your identity and to protect all parties from errors and fraud;
• verify your eligibility for certain services;
• For marketing analysis purposes and to track and analyze your purchases and other transactions (including the number and amount of transactions by type, product code information, brand, etc.)
• For research and statistical analysis purposes (we anonymize information used for such purposes to the extent possible);
• For testing, such as when updating systems or adding new vendor relationships (we anonymize information used for such purposes to the extent possible);
• To provide you with information about other services offered by us, our co-ventures and select unaffiliated entities, which we believe may be of interest to you;
• For promotions, printing, contests and associated administration;
• For data processing, website administration or information technology support;
• To respond to inquiries about your application, account, insurance policy or any other business that you have with us;
• To comply with legal and regulatory requirements; and
• For any other purpose as set out in this Privacy Policy.

In addition to the purposes outlined above, we also collect, use and disclose to the insurer Personal Information required to complete any applications for insurance that you make. Where permitted by law, we may use and/or disclose the information we have collected from your request for a quote or on your online application, for any purpose described in this Privacy Policy, even if you do not purchase the insurance or your application for insurance is declined.

If these intended uses are not reasonably obvious from the circumstances in which personal information is collected, we will provide you with an opportunity to withhold your consent to the collection, use or disclosure of the information. However there are limited situations in which applicable laws require or allow us, our affiliates and associated companies, suppliers, business partners and our dealers/retailers to use/disclose personal information without consent.

What information about me is collected by HUB SmartCoverage and how is it used?

HUB SmartCoverage collects personal information about you that is reasonably necessary for the purposes described above. We may collect this information directly from you or from our HUB SmartCoverage websites, social media, mobile applications, dealers/retailers, affiliates, service providers, and other sources that compile lists of potential vehicle purchasers, always with your consent when required by law.

HUB SmartCoverage's Website Cookies:

When you visit one of the HUB SmartCoverage websites, we may collect and store information about your visit on an anonymous, aggregate basis using "cookie" technology. A cookie is an element of data that a website can send to your browser, which may then store the cookie on your hard drive. Cookies used by HUB SmartCoverage on its websites are solely to facilitate navigation and security across the site, and are not used to capture or reveal personal information.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Will HUB SmartCoverage share my information with other parties?

When you provide HUB SmartCoverage with personally identifiable information, HUB SmartCoverage may share that information with our affiliates and related companies, dealers/retailers, our suppliers (for our service requirements only) and HUB SmartCoverage business partners (solely for use in promoting joint marketing programs). Before we share your information with any of these or other organizations we will ensure we have the consent required under applicable law. For a list of the affiliates and associated companies, business partners or dealers/retailers with whom we may share your information, please contact us. HUB SmartCoverage may also share your personal information with our suppliers for the exclusive purpose of providing services for us (e.g. mailings to you in response to your request for information, or to fulfill our obligation in binding your insurance policy).

We may disclose your personal information as required by law, in conjunction with a government inquiry or in litigation or dispute resolution or when necessary to protect HUB SmartCoverage, our employees, our customers, or others.

Additionally, our Web site (www.hubsmartcoverage.ca) does contain links to sites outside of and not controlled by HUB SmartCoverage. HUB SmartCoverage is not responsible for these sites, their omissions or for the policies or content of their Web sites. We recommend that you read the privacy policies of these sites before making a decision to provide your personal information to the site operators.

How is my personal information protected?

HUB SmartCoverage is committed to protecting your personal information in full compliance with this Privacy Policy and applicable laws. HUB SmartCoverage understands your concerns about online security and about the security of your information otherwise collected by us and we take reasonable precautions to prevent the loss, misuse or alteration of information under our control. In addition, we employ generally accepted information security policies, procedures and techniques. Your personal information may be stored and/or processed or otherwise used by or on behalf of HUB SmartCoverage inside Canada.

For both training and quality of service purposes - it is possible that telephone conversations may be recorded or monitored.

Privacy Internet Communication:

As the privacy of communication over the Internet cannot be guaranteed, we do not assume any responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.

Can I opt-out of HUB SmartCoverage marketing promotions and initiatives?

If you would otherwise like to limit our use or disclosure of your personal information, please contact us as indicated below.

Except as required or permitted by applicable law, we will respect your wishes relating to the use of your personal information and we will ensure that your file reflects the limitations that you have requested. Unless they are obvious, we will advise you of the consequences of withdrawing your consent.

How can I access and correct errors in my information?

You can access and correct errors in your personally identifiable information by contacting us as indicated below.

How do I contact HUB SmartCoverage?

If you wish to If you wish to limit the use of any of your personal information that we may have, you may contact HUB SmartCoverage in one of the following ways.

Please do not hesitate go contact our Privacy Officer should you have any questions.

Our privacy Officer may be contacted as follows:

Name of Organization: HUB SmartCoverage
P.O. Box 489, Station A
Windsor, ON N9A 6M6
Phone: 519-974-1641
Fax: 1-800-668-6689
Attention: Privacy Officer

Email: privacy@hubsmartcoverage.ca

Phone: 1-888-881-8045 and follow the Privacy telephone prompts.

Will HUB SmartCoverage update its privacy policy?

From time to time HUB SmartCoverage may make changes to this Privacy Statement. Please check HUB SmartCoverage's Privacy Policy on a regular basis.

This statement is effective as of December 21, 2018.