Privacy Policy
We are committed to the security of your information.
Doing business with a Property and Casualty insurance broker involves providing information about yourself. At Duliban Insurance Brokers & Duliban Life & Benefits, we understand that protecting your personal information is one of your highest priorities, and we are committed to ensuring the security of your information.
Why do we collect personal information?
When you become a client, or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:
- Enable us to acquire or renew an insurance policy for you.
- Assist you in assessing your ongoing insurance needs;
- Ensure your information is accurate and up-to-date; and
- Protect our clients against error or fraud.
Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. You can be assured that we only handle your personal information with the utmost care and consideration for your security. This page is a summary of our privacy practices.
What personal information do we collect?
Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask you for the following personal information about yourself:
- Basic information such as your name, address, telephone and fax numbers, e-mail address, birthdate and marital status
- Claims history
- Credit and past payment records
- Driver record
- Details about your property such as the value of your home and its contents
- Medical information such as any condition that may affect the operation of a vehicle
- Employment information
- Banking and financial data
We may obtain this information from:
- You
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Motor vehicle and driver licensing authorities
- Financial institutions
- Medical professionals
- Claims adjusters
- Customer reporting institutions
- Insurance industry associations
Who do we disclose your personal information to?
For many of the purposes identified above, we will need to share your personal information with others in order to serve your insurance needs. These other parties commonly include:
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Professionals working with us such as adjusters or lawyers
- Financial institutions (e.g. the organization that carries your mortgage)
How do we protect your personal information?
In order to protect your personal information and right to privacy, McFarlan Rowlands will:
- Not collect, use, or disclose your personal information for any purpose other than those we identify to you
- Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
- Maintain your personal information in as accurate, complete and up-to-date a form as possible
- Safeguard your personal information to the best of our ability
- Respond to any request you may make to access or correct the personal information we hold about you
- Obtain the appropriate consent from you for the collection, use or disclosure of your personal information
Consent
We may obtain your express consent or we may determine that consent has been implied by the circumstances.
- We may ask you for your express consent in writing (i.e. a signed consent or application form)
- We may ask for your express consent in person or over the telephone
- We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner
There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.
You can control how we handle your personal information
We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use, or share your personal information or you could also withdraw a previously given consent at any time.
However, in doing so, you may be limiting or even preventing our ability to provide you with the product or service you desire. For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance. We will be happy to discuss particular situations with you to help you with your decision.
Additional Notices
Cookies – This website uses cookies – small text files that are placed on your computer, smartphone, or other user-device to help our website provide a better user experience. Cookies are used to anonymously track data for third party applications such as Google Analytics. Cookies can neither damage files nor can they read information from users’ hard drives. As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser.
Third-Party Applications – We use the following applications and services on our website:
- Google Analytics & Tag Manager – Personal Data: Cookies and Usage Data
- Google AdWords Remarketing – Personal Data: Cookies and Usage Data
- Google AdWords Conversion Tracking – Personal Data: Cookies and Usage Data
- External Social Network Widgets
- Twitter tweet button and social widgets – Personal Data: Cookies and Usage Data
- Facebook like button and social widgets – Personal Data: Cookies and Usage Data
- LinkedIn button and social widgets – Personal Data: Cookies and Usage Data
AODA
Duliban Insurance Brokers works diligently to ensure that all users, regardless of their technical set-up or disabilities, can access the information provided on www.dulibaninsurance.com.
To achieve that goal, our team and web partners follow the standards established by the World Wide Web Consortium –WC3. Our website is designed to meet and exceed the basic level of accessibility set by the W3C and required by both Federal and Provincial governments for private websites (known as WCAC 2.0 level A).
If you experience any difficulty in using the dulibaninsurance.com website please contact at [email protected].
Contact Us
If you have any questions about this Privacy Policy, please contact us:
- By email: [email protected]
- By visiting this page on our website: https://www.dulibaninsurance.com/privacy-policy/
- By phone number: 1-855-385-4226
- By mail: 178 Highway 20 West, Fonthill, L0S 1E5
We will respond to you promptly and do our utmost to resolve your concerns. To find out more about federal privacy laws, please contact the Office of the Privacy Commissioner at 1-800-282-1376 or visit their website at www.priv.gc.ca
Web-specific Privacy Statement
The following discloses our information gathering and dissemination practices for our web site (www.dulibaninsurance.com).
- We use your IP address to help diagnose problems with our server and to administer our website.
- This website contains links to other sites. Duliban Insurance Brokers is not responsible for the privacy practices or the content of such websites.
- Our site uses an order form for customers to request information, products, and services. We collect visitors’ contact information (like their email address), but only if included on the request form. The customer’s contact information is used to get in touch with the visitor when necessary. Users may opt out of receiving future mailings; see the choice/opt-out section below. All customer-specific information is kept strictly confidential. If a customer chooses to place business with Duliban Insurance Brokers or Duliban Life & Benefits, Duliban Insurance will disseminate the customer-specific data only to the insuring company/companies responsible for the customer’s policy.
Security
This site has security measures in place to protect the loss, misuse, and alteration of the information under our control.
- User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your username, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.
- Children: We do not sell products for children. Users of the website must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contact us at [email protected] to delete such information from our records.
- Third Party Websites: Please be aware that our website (www.dulibaninsurance.com) may have links to third-party websites that may collect personally identifiable information about you. When you click on one of these third-party links, you are entering another website for which we have no responsibility. This Privacy Policy does not cover the information practices or policies of such third-party websites. We encourage you to read the privacy statements of all such websites since their privacy policies may be materially different from our Privacy Policy.
Choice/Opt-Out
Users wishing to remove their information from our database, not to receive future communications or to no longer receive our services, can email [email protected]
Correct/Update
To change or modify information previously provided please email [email protected].
Contacting the Web Site
If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you may contact:
Duliban Insurance Brokers
178 Highway 20 West, Fonthill, ON. L0S 1E5
[email protected]
As a customer, you have the right to professional advice from a broker who is well informed about the products they are selling. You have the right to be treated with fairness and integrity.
How Insurance Works – You have the right to beinformed about how your insurance premiums arecalculated. You have the right to access your policy and be clearly informed about the coverage and the claims settlement process.
Broker Compensation – You have the right to ask how a broker is paid, the insurance companies they represent, and be informed about any potential conflicts of interest the broker may have. All RIBO licensed brokers must disclose commission information at the point of sale which outlines how they are paid.
Understand Your Insurance Needs – You should consider your insurance needs and prepare relevant questions before you talk to a broker. Ask yourself if there have been changes in your personal or business life that could impact your insurance needs. Make sure you provide a detailed and accurate explanation of your circumstances to your broker so they can provide informed recommendations that meet your needs.
Insurance Quotes – When obtaining a quote, your broker should always present the best value products available based on your current needs, and document why certain coverage and product options, including lower-cost options, may or may not be appropriate for you. Brokers are also expected to comply with the Take-All-Comers rule. For more information on buying auto insurance and the Take-All-Comers rule, visit here.
Personal Information – You have the right to understand how your personal information is used and protected. Ask for a copy of the privacy statement from your broker and the insurer.
Customer Obligations—You need to ensure that you know and understand your obligations under your insurance policy. For example, your policy will require you to provide updates to your broker and insurer regarding any material changes in your circumstances.
Insurance Claims – If you need to file a claim, you have the right to be informed about the procedures and typical timelines for settling your claim, and you may inquire about the status of your claim throughout the process. If your claim is denied, you have the right to an explanation as to why it was denied. Your broker is your advocate as you work through your claim with the insurance company and will liaise as required.
Making a Complaint – You can submit a complaint to RIBO if you believe your insurance broker failed to comply with the Registered Insurance Brokers Act, its regulations, or RIBO by-laws. File a complaint here.
OmbudServices – In the event you have an insurance claim, your broker will provide you with information about the insurer’s claims process. For any unresolved disputes with an insurer, you may contact the insurer’sOmbudsman, who will attempt to resolve the conflict. If the conflict is not resolved, you will be referred to the General Insurance OmbudServices for P&C insurance.
