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Privacy Policy
Cathy S. Ramsundar Insurance Broker
Privacy Policy
Cathy S. Ramsundar Insurance Broker, Associate Broker of
Mitchell Sandham Inc., has been a trusted insurance broker to Canadians
since 1990. Cathy S. Ramsundar Insurance Broker along with Mitchell
Sandham Inc., has earned that trust in part by its careful treatment of
the personal information1 that customers entrust to our2
care in order that we can serve their insurance needs. Cathy S.
Ramsundar Insurance Broker does not sell personal information and our
staff have been trained to treat personal information carefully and with
respect.
Further information about Cathy S.
Ramsundar Insurance Broker’s practices and policies with respect to its
handling of personal information and compliance with privacy laws
follows.
Why Cathy S. Ramsundar Insurance
Broker Collects and Discloses Personal Information.
Cathy S. Ramsundar Insurance Broker collects and
discloses personal information only for the purposes of serving the
insurance related needs of its customers3 . Among other
things, this includes evaluating, monitoring and assessing insurance
needs, providing risk management services, underwriting, rating,
binding, and issuing insurance policies and providing all policy related
or administrative services, including loss control, compliance with
regulatory requirements and assisting in claims settlement and coverage
assessment. This also includes collecting and disclosing personal
information about third parties with respect to claims made against
Cathy S. Ramsundar Insurance Broker's customers.
The Kinds of Personal Information
Cathy S. Ramsundar Insurance Broker Collects.
Cathy S. Ramsundar Insurance Broker collects widely
varying types of personal information. What we specifically collect
depends on the particular purpose for collection and the particular
circumstances involved. Without limiting the generality of this and
purely by way of example, the type of personal information that Cathy S.
Ramsundar Insurance Broker may collect includes property descriptions,
claims histories, driving records, employment information, medical and
health information and financial information
How Cathy S. Ramsundar Insurance
Broker Obtains Personal Information.
Most of the personal information collected by Cathy S.
Ramsundar Insurance Broker is provided to us by our customers.
Cathy S. Ramsundar Insurance Broker also obtains personal information
from various third party sources as part of the underwriting process.
For instance, when we underwrite automobile insurance, we may obtain
credit information and a record of driving offences. We may also obtain
claims or underwriting information from other insurance companies or
insurance industry sources. When we insure the directors, officers,
employees, representatives or contractors of a company, we may obtain
personal information about those individuals from the company. Cathy S.
Ramsundar Insurance Broker is responsible for obtaining the consent of
customers with respect to the collection of such information. In some
cases, Cathy S. Ramsundar Insurance Broker will infer such consent when
appropriate.
Cathy S. Ramsundar Insurance Broker collects personal information from a
variety of sources in assisting with claim settlements. Personal
information required for claims purposes may be obtained from our
customers, or from third party sources. Consent may not be obtained
with respect to the collection of certain publicly available
information. If the information is collected with respect to an
investigation involving the suspected breach of an insurance policy (or
other agreement) or breach of Canadian law, then consent may not be
obtained.
In some cases, Cathy S. Ramsundar Insurance Broker will infer such
consent when appropriate.
Cathy S. Ramsundar Insurance
Broker’s Disclosure of Personal Information.
Cathy S. Ramsundar Insurance Broker discloses personal
information only for the reasons listed above or if required to do so by
law. By way of example, in order to provide various claims services we
frequently disclose personal information to third party service
providers and others. These would include (but are not limited to)
insureds, other insurance brokers, insurance adjusters, windshield
repair companies, automobile repair shops, contractors, construction
companies, investigators, engineers, accountants, lawyers, and others.
Similarly, Cathy S. Ramsundar Insurance Broker may be required to
disclose personal information in order to obtain further personal
information that it requires for underwriting purposes. For instance, a
name and insurance policy number may need to be provided to another
insurance company to obtain a claims history.
We obtain consent to disclosure when required (this consent may be
obtained when the customer applies for or renews the insurance policy).
Consent may also be inferred when appropriate.
When Cathy S. Ramsundar Insurance Broker discloses personal information
to an approved investigative body (such as the Insurance Crime
Prevention Bureau) or when we believe that the information relates to
the breach of an insurance policy or other agreement or Canadian law, or
when we are required by law to disclose the information, consent may not
be obtained. Similarly, if personal information is disclosed to a lawyer
for claims purposes or to obtain legal advice, consent may not be
obtained. When Cathy S. Ramsundar Insurance Broker discloses data
containing personal information to insurance industry associations or
service providers, the disclosure is subject to confidentiality
requirements.
How Cathy S. Ramsundar Insurance
Broker Ensures the Security of Personal Information.
Personal information recorded in documents is securely
stored at Mitchell Sandham Inc.'s offices. Electronically recorded
information is stored on computer systems maintained by Mitchell Sandham
Inc. Those computer systems and the information stored in them are
protected by electronic security systems.
Cathy S. Ramsundar Insurance Broker and Mitchell Sandham Inc. restrict
access to personal information and all its employees, contractors and
representatives are under obligation to access personal information only
when they have a legitimate business need to do so. All employees
receive training with respect to proper personal information handling
practices and they are under obligation to comply with privacy laws,
this policy and related codes of conduct.
Cathy S. Ramsundar Insurance Broker and Mitchell Sandham Inc. compliance
with appropriate personal information practices and privacy laws is
overseen by and is the responsibility of the Chief Privacy Officer.
Accuracy and Access to Personal
Information.
Cathy S. Ramsundar Insurance Broker and Mitchell Sandham
Inc. are committed to the accuracy of the personal information that it
uses or discloses.
Upon written request and subject to the following (and any other
reasonable conditions which may be necessary), we will provide
reasonable access to personal information exclusively to the individual
to whom it refers. We will not provide access in any of the following
circumstances:
- if doing so would likely reveal
personal information about a third party;
- if the information is subject to
solicitor-client privilege;
- if revealing the information
would reveal confidential commercial information;
- if revealing the information
could affect the security of another person;
- if the information relates to the
actual or suspected breach of an insurance policy or other agreement
or the breach of Canadian law; or,
- if the information was
generated in the course of a formal dispute resolution process.
Internet Privacy Policy.
Cathy S. Ramsundar Insurance
Broker's Privacy Policy with respect to the use of our website is posted
on this site. Please refer to
Cathy S. Ramsundar Insurance Broker's Web Privacy
Policy.
Amendments.
Cathy S. Ramsundar Insurance Broker may amend this policy
from time to time at its discretion.
Further Information.
Requests for further information, personal information
access or complaints about Cathy S. Ramsundar Insurance Broker and
Mitchell Sandham Inc. handling of personal information should be
referred to Cathy S. Ramsundar Insurance Broker and Mitchell Sandham
Inc. Chief Privacy Officer, as follows:
Mitchell Sandham Inc.
438 University Ave., Suite 2000
Toronto, Ontario M5G 2K8
Attention: Chief Privacy Officer
Telephone: 416-862-1750
Fax: 416-862-1360
1Personal information means
any information that identifies a specific individual, other than
information found in a business directory.
2"We", "our" and "us" refers to Cathy S. Ramsundar Insurance
Broker and Mitchell Sandham Inc.
3"Customers" refers to individuals who are current and former
policyholders and insureds or applicants for insurance. |
