Our Privacy Statement and Commitment

CORE benefit consulting ltd. values your business and we thank you for your confidence in choosing our firm as your source of advice. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share while doing business with us. This document outlines our practice with respect to the collection, use and disclosure of your personal information.

What we will not do with your information

We do not sell or share client information with organizations outside of our relationship with you that would use it to contact you about their own products or services.

Privacy Statement

CORE benefit consulting ltd. take steps intended to meet privacy principles and requirements with respect to personal information under applicable Canadian privacy legislation. The purpose of this statement is to inform our customers and other individuals we deal with (“you” or “your”) how we collect, use, disclose and protect your personal information. Personal information is information about an identifiable individual, as more particularly described under applicable privacy legislation. This Privacy Statement applies to our collection, use and disclosure of personal information in Canada. This Privacy Statement does not apply to information about our employees or to information that is not personal information.

Personal Information We Collect

CORE benefit consulting ltd. collects personal information in a few circumstances while conducting our business. Personal information we may collect includes:

• name, email address, telephone number, and other contact information.
• age, birth date, ID numbers, gender, income.
• information about your insurance claims or claims history; and
• such other information we may collect with your consent or as permitted or required by law.

We generally collect personal information directly from you, for example, from application forms that you fill out for insurance products and services, or when you communicate with us by telephone, email or in person. We may also collect personal information about you from other sources, such as other insurance brokers, insurance companies, and employers.

Use of Personal Information

CORE benefit consulting ltd.  generally uses personal information to manage and administer our business, including to understand your insurance needs, communicate with you effectively and to provide you with the products and services you request. For example, CORE benefit consulting ltd.  may use your personal information to:

• determine your eligibility for, offer, and/or provide you with insurance products and services that you request.
• determine prices, fees and premiums including by evaluating your coverage needs and assessing risk.
• service and renew your account(s) and assess your ongoing needs for insurance products and services.
• investigate claims.
• determine your eligibility for and offer and provide other products or services that may be of interest to you, such as investment or retirement products or group benefits, unless you ask us not to.
• detect and protect against error or fraud.
• compile statistics and conduct market research.
• maintain business records for reasonable periods.
• meet legal, regulatory, self-regulatory, insurance, security, and processing requirements; and
• otherwise with consent or as permitted or required by law.

Disclosure of Your Personal Information

As necessary to carry out the purposes for which CORE benefit consulting ltd. collects and uses your personal information. CORE benefit consulting ltd. may disclose your personal information to third parties, such as other insurance brokers, insurers, benefits providers, and others involved in the claims handling process in accordance with legal and insurance regulatory reporting requirements or standard accepted insurance brokerage and insurance practices. CORE benefit consulting ltd.   may also disclose your personal information with your consent or as permitted or required by law.

Service Providers. CORE benefit consulting ltd. may transfer personal information to outside service providers that perform services on our behalf. The services that may be performed by our service providers consist of data processing, data warehousing or administrative services, or otherwise to collect, use, disclose, store or process personal information on our behalf for the purposes described in this Privacy Statement.

Your Consent

CORE benefit consulting ltd.  collects, uses, and discloses your personal information with your consent, except as permitted or required by law.

Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an “opt out” option provided, if any. 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 either directly, other insurance brokers, insurance companies, claims adjusters or your employer, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this Privacy Statement, if applicable, or otherwise at the time of collection.

If you obtain insurance for a family member or other third party or otherwise provide personal information concerning a third party, including a family member, for example by naming him/her as a beneficiary, you represent that you have obtained any necessary consent to our collection, use and disclosure of his/her personal information for the purposes described above.

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. There may be consequences to failing to provide or withdrawing your consent, such as your inability to acquire or renew an insurance policy and/or cancellation of a policy. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this Privacy 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 as required to comply with laws).

Security

We take reasonable physical, organizational, and technological security measures to safeguard the personal information in our custody or control. These include safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. Authorized employees of CORE benefit consulting ltd.  who require access to your personal information in order to fulfill their job requirements will have access to your personal information.

Access, Correction and Contacting Us

CORE benefit consulting ltd.  may establish and maintain a file of your personal information for the purposes described above. Subject to applicable legal restrictions, you may request to have access to the file containing your personal information and the correction of your personal information by writing to the address below. We may take reasonable steps to verify your identity before granting access or making corrections. In addition, if you wish to make inquiries or complaints, obtain information on how to access and rectify the files held by personal information agents we consulted or have other concerns about our personal information practices you may write to the address below. Please include your name, address, telephone number and email address whenever you contact us, including by email. This helps us handle your request correctly.

CORE benefit consulting ltd.
Attention: Richard Desroches
[email protected]

Privacy Statement Changes

This Privacy Statement may be revised from time to time. 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, if necessary, including by revising this Privacy Statement. If you are concerned about how your personal information is used, you should contact us as described above to obtain a current copy of this statement. We urge you to request and review this Privacy Statement frequently to obtain the current version. Your continued provision of Personal Information or use of our products or services following any changes to this Privacy Statement constitutes your acceptance of any such changes. This Privacy Statement is effective as of June 1, 2023.