Ontario Luxury Insurance Brokers
Privacy Policy
How we collect, use, disclose, and safeguard personal information in the course of providing insurance brokerage services across Ontario.
Overview
This Privacy Policy explains how Ontario Luxury Insurance Brokers (“we”, “us”, “our”) handles personal information when you visit our website, request a quote, submit an inquiry, or engage us for insurance brokerage services. We are committed to protecting your privacy and handling information with discretion. This policy is intended to align with applicable Canadian privacy requirements, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and any applicable provincial privacy laws.
Information we collect
Personal information you provide
We may collect personal information you choose to provide, such as when you complete a form, call, email, or request a quote.
Depending on the nature of your request, this may include your name, contact details, preferred method of contact, details about the assets you wish to insure (e.g., property characteristics, vehicle details, collections), and any other information you include in your message. If you provide information about other individuals (e.g., additional insureds), you represent that you have authority to do so.
Website & device data
Information collected automatically
When you browse our website, we (and service providers acting on our behalf) may automatically collect certain information such as IP address, device and browser type, pages viewed, referring/exit pages, and approximate location derived from your IP address. We use this information to operate the site, improve performance, and help protect against fraud and abuse. We may use cookies and similar technologies to remember preferences and understand how the site is used. You can control cookies through your browser settings; disabling cookies may affect site functionality.
How we use information
Purposes for collection and use
We collect and use personal information only for purposes a reasonable person would consider appropriate in the circumstances, including to provide insurance brokerage services and respond to your requests.
Common purposes include: (1) communicating with you and verifying your identity; (2) assessing your insurance needs and risk profile; (3) obtaining quotes and arranging coverage with insurers and underwriting partners; (4) administering policies, renewals, and changes; (5) assisting with claims support and related communications; (6) meeting legal, regulatory, and professional obligations; and (7) improving our services, website, and client experience.
We aim to collect the minimum information necessary to provide high-quality, tailored advice and coverage options.
Ontario Luxury Insurance Brokers
Where required, we will obtain your consent for collection, use, or disclosure. You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice; withdrawing consent may limit our ability to provide services.
How we share information
We may disclose personal information to third parties as needed to provide services, including insurers, managing general agents, adjusters, appraisers, premium finance providers, and other service providers supporting policy placement and administration. We may also share information with technology and hosting providers who help us operate our website and systems, subject to appropriate safeguards. We do not sell personal information. We may disclose personal information where required or permitted by law (e.g., to comply with a court order, regulatory request, or to protect rights and safety).
Retention & safeguards
We retain personal information only as long as necessary for the purposes described above, and as required by law and professional obligations. We use administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. No method of transmission or storage is completely secure; while we take reasonable steps to protect information, we cannot guarantee absolute security.
Your choices & access
You may request access to, or correction of, personal information we hold about you, subject to limited exceptions permitted by law. You may also ask questions about our privacy practices. To make a request, contact us using the details below. We may need to verify your identity before responding.