Privacy Policy

Cheap Auto Insurance values your business and appreciates your confidence in choosing us as your insurance broker. As our client, you trust us with your personal information. We respect that trust and are committed to protecting the information you provide to us.

This Privacy Policy explains how Cheap Auto Insurance collects, uses, discloses, stores, and protects your personal information in connection with our insurance brokerage services and website.

What We Will Not Do With Your Information

We do not sell your personal information or share it with organizations outside our relationship with you for the purpose of allowing those organizations to independently market their products or services to you.

Cheap Auto Insurance Privacy Statement

Cheap Auto Insurance takes steps intended to comply with applicable Canadian privacy legislation and privacy requirements concerning personal information.

The purpose of this Privacy Policy is to explain how we collect, use, disclose and protect personal information relating to our customers and other individuals with whom we interact.

For the purposes of this Policy, “personal information” means information about an identifiable individual, as defined under applicable privacy legislation.

This Privacy Policy applies to the collection, use and disclosure of personal information by Cheap Auto Insurance in Canada.

Personal Information We Collect

In providing insurance products and services, Cheap Auto Insurance, its brokers, agents and representatives may collect personal information from you.

Depending on the insurance products or services you request, the information we collect may include:

• Your name, address, email address and telephone number;
• Date of birth, age and identification information;
• Driver’s licence information and licence plate information;
• Insurance policy and transaction history;
• Driving records and claims history;
• Information relating to your insurance claims;
• Credit and financial information where permitted and required for insurance purposes;
• Employment and income information where relevant;
• Property information;
• Information about your insurance coverage and preferences;
• Information provided through quote and application forms;
• Other information that we are permitted or required to collect under applicable law.

How We Collect Personal Information

We generally collect personal information directly from you, including when you:

• Complete an insurance quote or application;
• Submit information through our website;
• Contact us by telephone, email or other communication methods;
• Visit or communicate with our office;
• Request changes to an existing policy;
• Submit or discuss an insurance claim.

Where appropriate and permitted by law, we may also collect information from other sources, including insurance companies, other insurance brokers, consumer reporting agencies, government agencies, claims adjusters, inspectors, employers and other parties involved in providing or administering insurance services.

Use of Personal Information

Cheap Auto Insurance uses personal information to understand your insurance needs, provide requested services, administer policies and communicate with you.

We may use your personal information to:

• Determine your eligibility for insurance products and services;
• Obtain, arrange or provide insurance coverage;
• Assess insurance risks and determine premiums and fees;
• Verify your identity and information;
• Process applications, quotes and policy changes;
• Administer, maintain and renew your insurance policies;
• Communicate with you regarding your insurance;
• Process and collect premiums and fees;
• Assist with investigating and settling claims;
• Review your insurance requirements and coverage needs;
• Detect and prevent errors, fraud and other unlawful activity;
• Maintain appropriate business and transaction records;
• Compile statistics and conduct market research;
• Meet legal, regulatory and insurance industry requirements;
• Comply with court orders, government requests and other legal obligations;
• Provide information about other products or services that may be relevant to you, where permitted by law and subject to your right to withdraw or limit consent where applicable.

Disclosure of Your Personal Information

To provide insurance products and services, Cheap Auto Insurance may disclose personal information to third parties where necessary and appropriate.

These parties may include:

• Insurance companies and underwriters;
• Other insurance brokers or agents;
• Consumer reporting agencies;
• Claims adjusters and other claims professionals;
• Government and regulatory authorities;
• Self-regulatory organizations;
• Financial institutions and payment providers;
• Lawyers and professional advisors;
• Medical professionals where required for insurance or claims purposes;
• Inspectors and other service providers;
• Other parties involved in administering or servicing your insurance policy.

We may also disclose personal information with your consent or where permitted or required by applicable law.

Disclosure to Affiliates

Where applicable, personal information may be disclosed to our affiliated companies or related organizations for legitimate business purposes, such as internal administration, accounting, auditing, management and billing.

Where permitted by law, personal information may also be used to provide information about products or services that may be of interest to you.

If you do not wish your personal information to be used for certain marketing purposes, you may contact us using the information provided in the Contact Us section below.

Service Providers

Cheap Auto Insurance may use external service providers to perform services on our behalf.

These service providers may assist with:

• Data processing;
• Data storage and hosting;
• Website and technology services;
• Administrative services;
• Communications;
• Payment processing;
• Customer support;
• Other services required to operate our business and provide insurance services.

Some service providers may be located outside Canada. As a result, personal information may be stored, processed or accessed outside Canada and may be subject to the laws of the jurisdiction where the information is processed.

We take reasonable contractual, organizational and technical measures to protect personal information handled by our service providers, subject to applicable legal requirements.

Business Transactions

Personal information may be used or disclosed where reasonably necessary in connection with an actual or proposed business transaction involving Cheap Auto Insurance or some or all of its business or assets.

Such transactions may include a financing, merger, acquisition, sale, assignment, restructuring or other transfer of business assets.

Personal information may be disclosed to parties involved in evaluating or completing such a transaction, subject to applicable privacy laws and appropriate safeguards.

Any successor or assignee may use personal information for purposes consistent with this Privacy Policy and applicable law.

Your Consent

Cheap Auto Insurance generally collects, uses and discloses your personal information with your consent, except where applicable law permits or requires us to do so without consent.

Consent may be:

• Express, such as when you provide written or verbal consent; or
• Implied, where your actions reasonably indicate consent for an identified purpose.

For example, when you provide information necessary to obtain an insurance quote or policy, we may reasonably rely on that information for the purposes associated with providing the requested insurance services.

We may also collect, use or disclose personal information without consent where permitted or required by law, including to comply with legal or regulatory obligations, court orders, government inquiries or other lawful requirements.

If you provide personal information about another individual, such as a family member or beneficiary, you are responsible for ensuring that you have the authority or required consent to provide that information to us.

Withdrawal of Consent

Subject to legal and contractual restrictions, you may withdraw your consent to the collection, use or disclosure of your personal information by contacting us.

Please understand that withdrawing consent may affect our ability to provide certain insurance products or services, administer your policy, process a claim or maintain necessary records.

Certain information may need to be retained or used even after consent is withdrawn where required for legal, regulatory, contractual, insurance or legitimate business purposes.

Security

Cheap Auto Insurance takes reasonable physical, organizational and technological measures to protect personal information in our custody or control.

These safeguards are intended to protect personal information against:

• Loss or theft;
• Unauthorized access;
• Unauthorized disclosure;
• Unauthorized copying;
• Unauthorized use;
• Unauthorized modification.

Access to personal information is limited to authorized employees, brokers, agents, representatives and service providers who require the information to perform their responsibilities.

Cookies and Similar Technologies

Our website may use cookies and similar technologies to improve your browsing experience, understand website usage and analyze website traffic.

Cookies are small data files stored on your device when you visit a website.

We may use cookies to:

• Remember preferences;
• Understand how visitors use our website;
• Improve website functionality;
• Analyze website traffic and performance;
• Support website security and functionality.

We may use both session cookies and persistent cookies.

Session cookies are generally removed when you close your browser, while persistent cookies may remain on your device until they expire or are deleted.

You can manage or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of some areas of our website.

Accessing and Correcting Your Personal Information

Subject to applicable legal restrictions, you may request access to the personal information we hold about you.

You may also request that inaccurate or incomplete information be corrected.

To make an access or correction request, please contact us using the contact information below.

We may take reasonable steps to verify your identity before providing access to personal information or making corrections.

If you have a question, concern or complaint about how we handle your personal information, you may also contact us.

When contacting us, please provide your name, contact information and sufficient details about your request so that we can respond appropriately.

Changes to This Privacy Policy

Cheap Auto Insurance may update this Privacy Policy from time to time to reflect changes in our business practices, insurance services, technology, legal requirements or regulatory obligations.

When changes are made, the revised Privacy Policy will be posted on this website with an updated “Last Updated” date.

Your continued use of our website and services after the updated Policy is posted may be subject to the revised Policy, to the extent permitted by applicable law.