Privacy Policy

Duliban Insurance Brokers Ltd. takes data privacy seriously. We recognize and value the trust that individuals place in us when providing us with personal information and we are committed to safeguarding the privacy and security of personal information we may collect from visitors to our websites and/or the clients to whom we provide services.

We collect information from you, including Personal Information, based on insurance products you apply for, the way you choose to communicate with us, the way you pay for your policies, and in the event of a claim, the claims services you require. This Privacy Policy aims to help you understand our personal information collection, usage and disclosure practices.

By using our website, dulibaninsurance.com, , you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from dulibaninsurance.com

Personal Information

Personal Information is any information about an identifiable individual or any facts which, on their own or combined with other data, can identify an individual. Personal information does not include the names and titles of an organization’s employees or the addresses and telephone numbers of their workplace. It does not apply to information regarding companies or legal entities.

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Personal Information

While using our website, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Information”). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address, Province, Postal code, City
• Cookies and Usage Data

We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.

Usage Data

We may also collect information on how our website is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Location Data

We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our website, to improve and customize our website.

You can enable or disable location services when you use our website at any time by way of your device settings.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our website and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our website.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Examples of Cookies we use:

• Session Cookies. We use Session Cookies to operate our website.
• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
• Security Cookies. We use Security Cookies for security purposes.

Use of Personal Information

Duliban Insurance Brokers Ltd uses the collected information for various purposes:

• To provide and maintain our website
• To notify you about changes to our website
• To allow you to participate in interactive features of our website you choose to do so
• To provide customer support
• To gather analysis or valuable information so that we can improve our website
• To monitor the usage of our website
• To detect, prevent and address technical issues
• To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
• To evaluate coverage needs and/or provide insurance quotes
• To send policy documents, renewal offers, policy change information, and any other administrative documentation regarding policy or policies

Personal Health Information

If Duliban Insurance Brokers Ltd. collects Personal Health Information as defined in law, either from you or from a Third Party with your prior written consent, it will be used for adjusting and management of your claim. Duliban Insurance Brokers Ltd. does not use Personal Health Information for any purpose other than in relation to a claim made by you.

Retention of Personal Information

Duliban Insurance Brokers Ltd will retain your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

Duliban Insurance Brokers Ltd will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer and Storage of Personal Information

Your information, including Personal Information, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside Canada and choose to provide information to us, please note that we transfer the information, including Personal Information, to Canada and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Duliban Insurance Brokers Ltd will take all the steps reasonably necessary to ensure that your information is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Information will take place to an organisation or a country unless there are adequate controls in place including the security of your personal information.

Disclosure of Personal Information

Duliban Insurance Brokers Ltd. does not sell your Personal Information to Third Parties.

We may disclose Personal Information to Third Parties including:

• Other insurance companies
• Consumer reporting agencies
• Insurance industry databanks
• Government bodies
• Adjusting, claims support and legal service providers
• Law enforcement agencies and/or bodies
• Payment processing providers
• Select business with which Duliban Insurance Ltd. maintains relationships or with whom Duliban Insurance Ltd. has marketing agreement
• Other business’s owned or affiliated with Duliban insurance Brokers for cross marketing opportunities

Only relevant Personal Information is disclosed to these parties for the purposes identified in this Privacy Policy. We do not disclose all Personal Information to all Third Parties. We only disclose Personal Information that is required by the Third Party for the fulfillment of a purpose that is specifically relevant to them.

We may also share the Personal Information that we collect with our affiliated companies such as Hometown Life Insurance Ltd. and Liberty International Investment Management for cross-marketing and other purposes in order to provide you with superior customer service from our entire team of partners.

If Duliban Insurance Brokers Ltd is involved in a merger, acquisition or asset sale, your Personal Information may be transferred. We will provide notice before your Personal Information is transferred and becomes subject to a different Privacy Policy.

Legal Requirements

Duliban Insurance Brokers Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of Duliban Insurance Brokers Ltd
• To prevent or investigate possible wrongdoing in connection with the website
• To protect the personal safety of users of the website or the public
• To protect against legal liability

Security of Personal Information

The security of your Personal Information is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Your Data Protection Rights under the General Data Protection Regulation (GDPR)

If you wish to be informed about what Personal Information we hold about you and if you want it to be removed from our systems, please contact us at [outline proper contact and/or include link to proper contact].

In certain circumstances, you have the following information protection rights:

The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Information directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

The right to object. You have the right to object to our processing of your Personal Information .

The right of restriction. You have the right to request that we restrict the processing of your personal information.

The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.

The right to withdraw consent. You also have the right to withdraw your consent at any time where Duliban Insurance Brokers Ltd relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.

Analytics

We may use third-party Service Providers to monitor and analyse the use of our website

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Behavioral Remarketing

Duliban Insurance Brokers Ltd uses remarketing services to advertise on third party websites to you after you visited our website. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our website.

Google Ads (AdWords)

Google Ads (AdWords) remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Twitter

Twitter remarketing service is provided by Twitter Inc.

You can opt-out from Twitter’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405

You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

Meta

Facebook remarketing service is provided by Facebook Inc.

You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950

To opt-out from Facebook’s interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217

Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

Links to Other Sites

Our website may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our website does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children without verification of parental consent, we shall take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

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: 165 Highway 20 West, Suite 7, Pelham, L0S 1E5