Privacy Policy

Effective Date: March 10, 2025
Last Updated: March 10, 2025

At West Harbour Insurance, we are committed to protecting the privacy of our clients and the confidentiality of their personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard personal data in compliance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws.

1. Accountability

West Harbour Insurance is responsible for the protection of all personal information in our possession. We have appointed a Privacy Officer to oversee our privacy practices and compliance with applicable laws.

If you have any questions, concerns, or requests regarding your personal information, you may contact our Privacy Officer, Brian Jeffray:
Email: Brian@westharbour.ca
Phone: 519-440-6802

2. Collection of Personal Information

We collect personal information to provide financial services, including but not limited to:

  • Processing insurance applications and claims

  • Providing financial and retirement services

  • Responding to inquiries and customer service requests

  • Ensuring regulatory compliance

Personal information we collect may include:

  • Name, address, phone number, and email

  • Date of birth and marital status

  • Financial and employment details

  • Health and medical history

We collect information directly from you or with your consent from third parties such as insurance providers.

We may collect personal information about children only from their parents or legal guardians, as necessary to provide financial and insurance services (e.g., for dependent coverage under an insurance policy). We do not knowingly collect personal information directly from minors. If a parent or guardian provides us with their child's information, they consent to its collection, use, and disclosure as described in this policy. If you have any concerns about the information we have on file, please contact our Privacy Officer.

3. Consent and Your Choices

We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law. Consent may be:

  • Express: Provided verbally, in writing, or electronically

  • Implied: When your actions indicate agreement (e.g., using our services)

You can withdraw your consent at any time by contacting our Privacy Officer. However, withdrawing consent may impact our ability to provide certain services.

4. Limiting Collection

We collect only the personal information necessary to fulfill the purposes identified above. We do not collect personal data indiscriminately or beyond what is required for legitimate business purposes.

5. Use, Disclosure, and Retention of Personal Information

We use and disclose your personal information only for the purposes stated in this policy or as required by law. Your information may be shared with:

  • Third-party service providers who assist in administering our services (e.g., client relationship management systems, secure data storage, communication tools)

  • Insurance and financial services partners involved in processing applications, underwriting, claims, and policy administration

  • Regulatory bodies or legal authorities when required by law or to comply with industry regulations

We retain personal information for as long as necessary to fulfill its intended purpose and meet legal or regulatory obligations.

6. Accuracy of Personal Information

We make reasonable efforts to keep your personal information accurate, complete, and up to date. You may request corrections to your information by contacting our Privacy Officer.

7. Safeguarding Your Personal Information

We implement security measures to protect personal information from unauthorized access, loss, misuse, or disclosure. These safeguards include:

  • Physical measures (e.g., secure office premises)

  • Technical measures (e.g., encryption, password protection)

  • Organizational measures (e.g., access restrictions, employee training)

8. Openness and Transparency

Our privacy practices are available to all clients. We are committed to being transparent about how we handle personal information. If you require more details, please contact our Privacy Officer.

9. Access to Your Personal Information

You have the right to request access to the personal information we hold about you. Upon request, we will provide a summary of:

  • The types of personal data we hold

  • How it is used

  • Any third parties with whom it has been shared

To request access, please contact our Privacy Officer in writing. We may require proof of identity before fulfilling your request.

10. Challenging Compliance

If you have concerns about our handling of your personal information, you may submit a complaint to our Privacy Officer. We will investigate and respond to complaints in a timely manner.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal requirements or business practices. The latest version will always be available on our website.

By using our services, you acknowledge and agree to the terms of this Privacy Policy.