Your privacy is extremely important at Direct Rate Insurance Services Inc.
If you provide your personal information to our brokerage, you are consenting to its use and disclosure for the following purposes:
To conduct an assessment of your insurance application, including the underwriting of your policy;
To contact you for customer service items and to update our records;
To respond to inquiries about your application, account, insurance policy or any other business that you have with us;
To assess and settle a claim;
To confirm your identity and prevent errors and fraud;
To contact you with DirectRate.ca affiliate and related companies and business partner products, services and related information and/or promotional materials;
To assess business operations and results;
To comply with legal and regulatory requirements;
To approve transactions;
To maintain our relationship with you, including seeking your comment and feedback on our services and/or products;
To evaluate your eligibility for certain services and/or products;
To conduct research, marketing and statistical analysis (we render the information anonymous when possible) and to follow and analyze your transactions with us (including the number and amount of transactions by type, product code information, brand, etc.)
To conduct tests for the purpose of maintaining the ongoing operation of business, for example when updating systems or adding new vendor relationships (to the fullest extent reasonably possible, we render your information anonymous);
To conduct promotions;
To assist us in data processing, website administration or information technology support; and
In addition to the above purposes, we also collect, use and disclose to the insurer the Personal Information required to complete your insurance application.
These disclosures and uses will be made in accordance with all applicable laws.
For intended uses which are not reasonably obvious, DirectRate.ca will provide you with an opportunity to withhold your consent to the collection, use or disclosure of your information.
However, there are some situations in which applicable laws compel or allow us, our affiliates and associated companies, suppliers, business partners and our dealers/retailers to use/disclose personal information without consent.
If DirectRate.ca collects information from me, what information is it and how is it used?
DirectRate.ca collects necessary information that you supply on the DirectRate.ca websites, on social media, mobile applications, affiliates, service providers, and other sources that compile lists of potential vehicle purchasers.
This is always done with your consent when legally required.
What about DirectRate.ca website cookies?
We do collect and store information about your visit on an anonymous, aggregate basis, using "cookie" technology when you visit the DirectRate.ca website.
A cookie is a bundle of data that a website sends to your internet browser, which then stores said data on your computer.
Cookies used on DirectRate.ca websites will not capture or reveal your personal information, but rather be used to help maintain security and smooth operation of the site.
Cookies may be accepted or declined, depending on your web browser’s settings.
If you decline cookies, such action may prevent you from taking full advantage of the website.
Will my information be shared by DirectRate.ca with other parties?
Upon submitting personally identifiable information to DirectRate.ca, the company may share that information with our affiliates and related companies, our suppliers (for our service requirements only) and DirectRate.ca business partners (solely for use in promoting joint marketing programs).
Where consent is required under applicable laws, we will request your permission before sharing your information with these or other parties.
To obtain a list of the parties with whom we may share your information, please contact us.
DirectRate.ca may also share your personal information with our suppliers for the sole purpose of providing services for us (e.g. mailings to you in response to your request for information, or to satisfy our obligation in binding your insurance policy).
In the event of a government inquiry, or in litigation or dispute resolution or when necessary to protect DirectRate.ca, our employees, our customers, or others, your personal information may also be disclosed in accordance with all applicable laws.
In addition, our websites may contain links to sites outside of DirectRate.ca.
DirectRate.ca does not control these sites and is in no way responsible for their content, policies, omissions, or errors.
Prior to making a decision to provide your personal information to any outside website we recommend you read the site’s own unique privacy policies.
How is my personal information protected?
The company will take extensive precautions to prevent the loss, misuse or alteration of any personal information under our control.
We use up-to-date information security techniques, and our policies and procedures fall within generally accepted industry standards.
Within Canada, your personal information may be stored and/or used by or on behalf of DirectRate.ca.
It is possible that telephone conversations may be recorded or monitored for the purposes of training and quality control.
Internet communication and privacy
The privacy of internet communications cannot always be guaranteed.
DirectRate.ca therefore assumes no responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.
DirectRate.ca marketing promotions and initiatives: How can I opt out?
If you want 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 abide by your wishes relating to the use of your personal information and we will ensure that your file reflects the limitations that you have requested.
We will also advise you of the consequences of withdrawing your consent in instances where they are not obvious.
How can I access and correct errors in my information?
Simply contact us where indicated below to access and correct errors in your personal information.
How can I contact DirectRate.ca?
If you wish to make a request or enquiry about your personal information, please contact DirectRate.ca in one of the following ways:
Any privacy questions you have should be directed to our Privacy Officer, who can be contacted by writing to the address below:
DirectRate.ca Services Inc.
P.O. Box 489, Station A
Attention: Privacy Officer
Our number is 1-855-754-0350. Simply follow the Privacy telephone prompts.
This statement will be effective starting Jan.1 2020.
DirectRate.ca is brought to you by DirectRate.ca Services Inc.