At Elk Point Insurance Ltd., we are committed to providing our clients with excellent service. Doing business with a Property and Casualty insurance broker involves providing information about yourself, so protection of your personal information is one of our highest priorities.
Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use, and disclose your personal information. You can be assured that we’ll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.
Here is a brief summary of our privacy policies:
Why Do We Collect Personal Information?
When you first become a client, or whenever you acquire or renew a product from us, we need to collect some of your personal information. There are several common purposes for which we collect your personal information, listed below:
It enables us to acquire or renew an insurance policy for you
We can better assist you and assess your ongoing needs for insurance
We're able to assess your need for other products, such as financial products, and to offer them to you
We must ensure that your information is accurate and up-to-date
It protects us both against error or fraud
What Personal Information Do We Collect?
Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:
Basic Information (such as your name, address, telephone and fax numbers, email address, birthdate, and marital status)
Credit and past payment records
Details about your property (such as the value of your home and its contents)
Medical information (such as any condition that may affect the operation of a vehicle)
We May Obtain This Information From:
Other insurance brokers or agents
Motor vehicle and drivers licensing authorities
To Whom Do We Disclose Your Personal Information?
For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:
Other insurance brokers or agents
Professionals working with us (such as adjusters or lawyers)
Financial institutions (such as the organization that carries your mortgage)
How Do We Protect Your Personal Information?
In order to protect your personal information and right to privacy, we will take the actions listed here:
We will not collect, use or disclose your personal information for any purpose other than those that we identify to you
We will keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
We will maintain your personal information in as accurate, complete, and up-to-date a form as possible
We will safeguard your personal information to the best of our ability
We will respond to your requests to access or correct the personal information we hold about you
We will obtain the appropriate consent from you for the collection, use or disclosure of your personal information
We may obtain your express consent or we may determine that consent has been implied by the circumstances.
We might ask you for your express consent in writing, for example in a signed consent or application form
We may ask for your express consent in person or over the telephone
We may determine that, by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner
There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.
You Can Control How We Handle Your Personal Information
We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use or share your personal information, or you could also withdraw a previously given consent at any time.
However, by doing so, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.
For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.
We’ll be happy to discuss particular situations with you to help you with your decision.
Contact Information and Resources
We are committed to treating you with respect and courtesy, and to providing the highest level of service.
Please contact our Privacy Officer for any of these:
You may request access to your personal information
You may change your consent to the ways in which we may collect, use or disclose your personal information
You may file a complaint about our privacy policies, or about the manner in which we’ve handled your personal information
You may inquire about our privacy policies, obtain a copy of our Personal Information Policy & Procedure Handbook, or request additional information