At NovaRisk, we collect, use, and disclose your personal information for a variety of purposes, including but not limited too:
We only collect, use and disclose your personal information for the above Identified Purposes. We may use the collected personal information subsequently for other purposes. For example, personal information that we connect for the purpose of writing your policy may subsequently be used for the purpose of investigating or settling a claim should one arise.
We will only collect your personal information by fair and lawful means, and will not collect, use, disclose or retain your personal information without a valid reason for doing so.
Personal information is defined as information about an identifiable individual. The type of personal information that we collect and use may include:
Your knowledge and consent are required before we may collect, use, or disclose your personal information, except in situations permitted by the law, such as during a fraud investigation, or where we are required to disclose information by court order.
You may provide your consent in a variety of ways. By dealing with us on insurance related matters, you provide us with your implied consent for the collection, use, and disclosure of personal information necessary.
Consent can also be given by one individual on behalf of another individual. For example, where an individual applies for auto insurance for themselves and their family, the applicant is giving consent for the collection, use, and disclosure of personal information both for themselves and their family members even though the family members are not present during the application process.
Where permitted by law, you may be given the option to give your express consent to us to access your credit information from a credit reporting agency. We will use this credit information for the purpose of assessing risk, providing you with a quote, and determining your eligibility for a premium discount. We may continue to retrieve your current credit score from time to time, while you remain a customer of ours, unless you withdraw your consent for us to do this.
NovaRisk will ensure that your personal information is as accurate, complete and up-to-date as is necessary for our purposes.
We may also disclose your personal information to third parties in accordance with the purposes noted above. For example, as part of the underwriting handling process, we may transfer personal information to other insurance companies including reinsurance companies which share in the risk. Additionally, personal information may be disclosed to government agencies, brokers or agents, other insurers or insurance reporting agencies for underwriting, claims, classification, and rating purposes. We may also disclose personal information to businesses that provide goods and services to insurance companies and their customers, such as claims adjusters, appraisers, and repair shops.
We may use service providers located outside of Canada to collect, use, disclose or store personal information. Where we do so, we will contractually require such third party to employ the appropriate security safeguards to protect your personal information, subject to the law in the third-party jurisdiction. While the personal information is in another jurisdiction it may be accessed by the courts, law enforcement and national security authorities of that jurisdiction. The To obtain further information about our policies and practices with respect to privacy, you may contact our Privacy Officer as indicated below.
If you terminate your relationship with us, we will continue to safeguard the privacy of your personal information in accordance with this policy and as required by law. Your personal information will be retained by us only if it is needed to meet any legal, regulatory or tax requirements.
You have the right to access your personal information that is in our possession or under our control in order to verify the accuracy and completeness of the personal information. To request access, please send your written request to NovaRisk’s Privacy Officer. We will respond to your request as soon as possible or advise you if additional time is required to respond to your request.
There may be situations in which we are legally prohibited from allowing you access to your personal information. If this is the case, we will advise you of why, subject to any legal restrictions.
We may charge you for providing access to your personal information; however, we will only do so after first advising you of the approximate cost.
The NovaRisk Privacy Officer can be reached by email at firstname.lastname@example.org