Canadian Association of Black Insurance Professionals (“CABIP”, “we, “us” or “our”) is committed to safeguarding your personal information. The purpose of this Statement is to inform you and describe how we collect, use, and disclose personal information in Canada. Our Privacy Statement takes into account Canadian legislative requirements, industry standards and privacy principles. This Statement does not apply to information about our employees or to information that is not personal information.
What is personal information?
Personal information is information that can be used to explicitly identify you or contact you. This includes information such as your name, e-mail address, mailing address, phone number, birth date, or any specific information about you requested in order to provide you with insurance coverage or to investigate an insurance claim. Information that, by itself, cannot be explicitly linked with your identity is not considered personal information.
Collection, use and disclosure of personal information
CABIP and our representatives collect, use and disclose personal information for the following purposes:
- Maintaining communications with members, volunteers and partners;
- Detecting and preventing fraud, suspicious or other illegal activities;
- Compiling statistics for analysis of our association and research and modeling;
- Performing administrative tasks such as accounting and information system activities;
- Reporting to regulatory and/or insurance entities;
- Notifying you from time-to-time of certain products or services offered by CABIP;
- Responding to your inquiries regarding your account(s) and other services; and
- Acting as required or authorized by law enforcement agencies.
External representatives of CABIP that collect, use, or disclose personal information on our behalf do so in compliance with this Statement and only for the purposes set out in this Statement.
Sensitive Data Handling
When handling financial and personal information the following 10 fair information principles (Personal Information Protection and Electronic Documents Act (PIPEDA, 2000)) are to be observed e by all CABIP members, volunteers, contractors, and third-party stakeholder groups. CABIP will adhere to and abide by the legislative requirements established under PIPEDA 2000 and applicable provincial privacy legislation for the purposes of collecting, storing, using, and sharing and/or disclosing personal information during the normal course of business. It is the duty of all CABIP members and volunteers to observe the IBC Privacy Code,PIPEDA, and applicable provincial privacy legislation to maintain the confidentiality of information belonging or relating to CABIP or its members or obtained through a confidential relationship.
If you have any questions or concerns in this regard, check with our Director, Governance and Audit.
All CABIP members and volunteers are expected to abide by and comply with these principles, as per CABIP policy and as y required by applicable law. CABIP members who reside in Quebec, Alberta, and British Columbia must comply with their provinces’ laws. Namely, Alberta and British Columbia residing members and volunteers must comply with the respective Personal Information Protection Act (PIPA). Members and volunteers in Quebec are expected to abide by the Commission d’accès à l’information du Québec. The Federal Government has deemed that these provincial privacy laws governing the private sector are substantially similar to PIPEDA in its core fair information principles.
In some instances, companies subject to Alberta’s PIPA which engage in trans-border personal information flow in their business transactions must adhere to PIPEDA for those specific transactions. For more information on CABIP member’ and volunteer’ rights and responsibilities in these provinces, please contact our Director, Governance and Audit.
Cookies and Similar Technologies
We may collect information about your use of the websites through cookies and similar technology. A “cookie” is a unique numeric code that we transfer to your computer so that we can keep track of your interests and/or preferences and recognize you as a return visitor to the websites. For example, we may use these technologies to collect information about the ways visitors use our websites, to support the features and functionality of our websites and to personalize your experience when you use our websites.
Sharing personal information with others
CABIP does not disclose any personal information about you to third parties except as described below or as required or permitted by law.
General Disclosure within CABIP
In providing services to you, CABIP may share your personal information with its affiliated companies. Affiliated companies will only use, retain, and disclose personal information for the purposes identified in this Statement.
Disclosure to Third Parties
From time-to-time and as needed, CABIP may disclose your personal information to outside service providers that perform services on our behalf. Outside service providers that collect and use personal information are subject to CABIP’s confidential policies and are governed by this Statement and applicable privacy legislation.
Personal information may be used by CABIP and disclosed to third parties connected with the proposed or actual financing, securitization, insuring, sale, assignment or disposal of all, or part, of CABIP or our business assets for the purpose of evaluating and performing the proposed transaction.
CABIP may disclose personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements and as otherwise with your consent or as permitted or required by law.
Disclosure Outside of Canada
Personal information may be collected, used, disclosed, transferred, stored, or processed outside of Canada for the purposes described in this Statement, and may be subject to legal requirements in foreign countries applicable to us or the third parties described above, for example lawful requirements to disclose personal information to government authorities outside of Canada. Privacy laws in those foreign jurisdictions may offer different levels of protection from those in Canada.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally, electronically or on a form you may sign describing the intended uses and disclosures of personal information) or implied. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney). Generally, by providing us with personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this Statement.
You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. If you decide to withdraw your consent to certain uses of your personal information, we may no longer be able to provide our products or services. Where we have provided, or are providing, insurance coverage to you, your consent will be valid for so long as necessary to fulfil the purposes described in this Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records and disclosures to Canadian and provincial government entities as required to comply with laws).
CABIP collects, uses, and discloses your personal information with your consent, except as permitted or required by law. We may be required or permitted under statute or regulation to collect, use, or disclose personal information without your consent, for example to comply with a court order, to comply with local or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us.
CABIP has reasonable security measures, appropriate to the sensitivity of the information in our control, in place to protect personal information against loss and theft, as well as unauthorized use, disclosure, copying or modification. Authorized third parties will have access to personal information in order to fulfill their business and/or membership requirements but we limit access to personal information to those third parties on a “need to know basis” in accordance with this Statement.
CABIP assumes no liability for the interception, alteration or misuse of information transmitted to us over the internet or misdirected by mail.
Retention and Destruction
CABIP will only retain your personal information for as long as we have a relationship with you or as required by law. Once the retention period expires, your personal information will be destroyed, made anonymous, and or archived to a secure site.
Access to your information
Upon written request and upon confirmation of your identity, you may request a copy of the personal information we have on hand at any timeCABIP will endeavor to respond to all requests within within a reasonable time. If an extension is required, we will inform you accordingly. Where a request for disclosure is denied, we will provide you with an explanation for the denial.
CABIP makes every reasonable effort to keep your information accurate, complete and up to date. If you believe that our information is incomplete or needs updating, please contact us and we will work with you to make the necessary updates. We will also use every reasonable effort to communicate these changes to other parties who may have inadvertently received incorrect or out-of date personal information from us.
Your right to access or to change personal information may be subject to legal requirements.
Updates to our Privacy Statement
CABIP reserves the right to modify this Statement at any time. If there is any significant updates to this Statement, CABIP will post a notice of the change on its Web site. You are encouraged to regularly review the Statement for changes. If we intend to use or disclose personal information for purposes materially different than those described in this Statement, we will make reasonable efforts to notify affected individuals. Statement changes will apply to the information collected from the date of posting to CABIP’s website, as well as to existing information in our records.
If you have any questions about this Privacy Statement, you may contact:
Director, Governance & Audit
Canadian Association of Black Insurance Professionals
302-2233 Argentia Road
Mississauga, ON L5N 2X7