Our commitment
Trucker Insurance Plan is committed to preserving the confidentiality and security of your personal information. We ask that you read this privacy notice carefully, as it provides you with important information about:
- Your rights and obligations
- How we collect and use your personal information
- With whom do we share your personal information
- What we do to keep it secure
This privacy notice applies to you if you visit our sites or request an insurance quote online, by phone or by email.
1. Who are we?
Trucker Insurance Plan is a trademark owned by Lapointe Financial Group inc. duly authorized by the Financial Services Regulatory Authority of Ontario to exercise advice and sell financial products such as life and health insurance.
2. What types of personal information do we collect?
The personal data we collect includes:
- Identity and contact details - your name, address and date of birth.
- Employment - your employment status and details of your job or profession.
- Financial data - your financial situation as well as your financial history.
- Transactional - details about your transactions with us, such as direct debit instructions. Login information for your online account, including your username, password, and some memorable information.
- Communications - information about you from emails, secure messages or letters you send to us or information collected during telephone conversations with you.
- Public data - information about you that is in public records such as business registers, and information about you that is publicly available, such as online search engines.
- Criminal history - details of your criminal record and other convictions.
- Information Technology - When you use our website, we monitor your behavior through analytics software and collect information about how each visitor uses our site. This information is then used to compile reports and help us improve our site. We collect information about all the devices you have used to access our services such as your IP address.
3. How do we collect your personal information?
Personal information provided directly by you
- When you visit or save details on our websites
- When you request a quote or quote, or complete an inquiry form online or by mail
- When you call us or we call you, you provide us with information
- When you send us communications by post or electronically
- When you participate in our contests, promotions or surveys
- When you communicate your appreciation of our services to us
- Criminal history - details of your criminal record and other convictions.
- Information Technology - When you use our website, we monitor your behavior through analytics software and collect information about how each visitor uses our site. This information is then used to compile reports and help us improve our site. We collect information about all the devices you have used to access our services such as your IP address.
We collect information from other sources about you.
- From a broker or intermediary with whom we work to provide you with products, services, quotes or quotes
- Business partners such as financial institutions and insurers.
4. How do we use your personal information?
Your privacy is protected by law. We are not authorized to collect or use your personal data, including its storage and sharing with other companies, unless we have a legal basis to do so. Ontario's data protection laws define a number of reasons (legal basis) on which we can rely. The purposes and reasons for processing your personal data are detailed below.
If this is necessary for the performance of our service contract with you
We will process your personal data where this is necessary for the conclusion of a contract or to fulfill an obligation of the contract with you for the relevant product or service.
- Take action before entering into the contract
- To manage and perform the contract
- To process any of your transactions
- To update your records
- To resolve complaints
When it is in our legitimate interest to do so
In certain situations we collect your personal data for the purpose of defending our legitimate interests in a way that we might expect in the course of running our business and which does not materially affect your rights, freedoms or interests.
- Maintain our own records and accounts for accounting, tax, auditing and risk management purposes.
- In order to update your archives, if we lose contact, you can find and recover the amounts owed to us.
- To establish your identity in order to comply with laws and regulations relating to the prevention of money laundering, fraud and the financing of terrorism.
- Record phone calls for training and monitoring purposes, and for your protection.
- Share your personal information with business partners and service providers when you apply to purchase financial products or to help you manage your products and services purchased with us.Test the performance of our business processes in order to improve the management of our business.
- Test the performance of our business processes in order to improve the management of our business.
- Carry out market studies, analyzes and the development of statistics, in particular through reputable agencies, with a view to developing new products and services that meet the needs of our customers, and to assess our performance
- To carry out marketing activities, unless you have chosen not to participate in such marketing activities. We will still keep a record of the withdrawal of your consent to comply with the legislation on direct marketing or unsolicited e-mail.
- Use your website usage data to personalize your browsing experience and help us better understand the behavior of our customers in order to better serve you or better target our marketing
- Perform data segmentation and statistical analysis to help us better understand the behavior of our customers in order to better serve them or to better target our marketing
In order to comply with our legal obligations
Your personal data may also be used by us or on our behalf to comply with our legal, regulatory and corporate governance requirements.
- When you exercise your rights under the “Act respecting the protection of personal information in the private sector”.
- Provide information required by laws and regulations.
- Prepare reports to regulatory authorities and competent authorities.
- For the establishment and defense of our rights.
- For activities relating to prevention, detection and criminal investigation.
For certain direct marketing activities
- We sometimes use your data in the context of direct marketing activities carried out by us or third parties where we have asked for your express consent or where we have obtained your express consent. At any time, you have the right to ask us to stop contacting you or passing your details on to third parties for marketing purposes.
5. Who might we share your information with?
Trucker Insurance Plan takes your privacy very seriously and will never disclose your information unless a legal basis allows it. We will not sell, license, trade, or rent your personal information to anyone. Depending on the product or service you have with us, we may disclose your personal information to the following legal or natural persons:
- Law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies where the the law obliges us or asks us to do so;
- Our financial security advisors;
- Business partners (eg financial institutions and insurers); and
- Subcontractors who perform functions on our behalf.
6. Security of your personal information
We take the security of your personal data seriously and the following measures are in place to protect your information, including:
- We maintain physical and electronic safeguards appropriate to the sensitivity of the information we hold. Our security procedures mean that we may sometimes ask for proof of identity before we disclose certain personal information to you.
- We implement access controls to our information technology, such as firewalls, credential verification, and logical segmentation and / or physical separation of our systems and information.
- We limit access to personal data to our staff and to third parties who need access to that information for legitimate business purposes.
- We require our staff and any third parties performing work on our behalf to adhere to appropriate compliance standards, including information protection obligations and to apply appropriate measures for the use and transfer of information.
7. How long do we keep your personal information?
We only keep your personal information for as long as necessary. The criteria we use to determine data retention periods include:
- regulatory and legal requirements;
- good business practice;
- time limits applicable to the assessment and defense of claims and / or investigations; and
- deal with any questions you may have.
When we no longer need to keep your legitimate personal information, we delete or anonymize it. If we cannot do so for technical reasons, we will securely classify your personal information, use it only for a purpose that we have already communicated to you, and we will isolate it from any further processing, until the deletion of the archives.
8. How to contact us regarding the confidentiality of your information
All comments, complaints and requests regarding our use of your personal information are welcome and should be addressed to:
Lapointe Financial Group inc,
Head of Personal Information Protection,
715 Rue de la Création,
Trois-Rivières, QC,
G9B 0Z8