We believe that protecting the confidentiality of your personal information is of paramount importance. Our policy sets high standards for the collection, use, disclosure, and storage of personal information, not only because it is a compliance issue, but also because it is an integral part of how we do business.
The Personal Information Protection and Electronic Documents Act (PIPEDA) was first drafted to address concerns regarding information exchange brought about by the increasing advancement in technology. While first implemented in the federally regulated sector, as of January 1, 2004, PIPEDA now applies to all commercial enterprises that collect, use and disclose personal client information. In British Columbia, Bill 38, the Personal Information Protection Act (PIPA) is now in force and governs local sponsors within the boundaries of British Columbia.
McKinley Life & Disability Insurance Services Ltd. is responsible for all personal information under its control, including information that may be transferred to and/or from a service provider or strategic partner performing services for, or on behalf of McKinley Life & Disability Insurance Services Ltd.
The Privacy Officer may be contacted at:
McKinley Life & Disability Insurance Services Ltd.
502-938 Howe Street
Vancouver, BC V6Z 1N9
2. Purpose for Collecting Personal Information
As required by law, McKinley Life & Disability Insurance Services Ltd. will identify the purposes for which personal information is collected, used and disclosed either before or at such time the information is collected. Information collected prior to this Policy is also subject to all conditions of this Policy.
The purpose for McKinley Life & Disability Insurance Services Ltd. collection, use and/or disclosure of information concerning customers and members includes, but is not limited to, the following:
- Allowing service providers and intermediaries to quote and price insurance transactions;
- Organizing updates in order for us to communicate with our clients, provide marketing information and administer client plans;
- Allowing service providers to underwrite insurance transactions;
- Assisting strategic partners and service providers with planning and customer service;
- Arranging banking and financing;
- Updating files of our suppliers and strategic partners;
- Selling or integrating into another provider’s service model.
3. Obtain Consent
McKinley Life & Disability Insurance Services Ltd. recognizes an individual’s right to the privacy of their personal information. Our company collects, uses, and discloses personal information only with the consent of the individual or as permitted by law. We will ensure that the individual is advised at time of collection, as well as when a new use is identified, of the reason for the use or disclosure of his or her personal information.
Consent to the collection, use, or disclosure of personal information may be express or implied as required or permitted by applicable law. Individuals may withdraw their consent at any time, subject to legal or contractual restrictions and considerations. If an individual withdraws their consent to the collection, use or disclosure of personal information, he or she may be unable to access McKinley Life & Disability Insurance Services’ products or services, and/or those of our suppliers and strategic partners.
4. Limiting Collection
The collection of personal information shall be limited to that which is necessary for the purposes identified by McKinley Life & Disability Insurance Services. Information shall only be collected directly from the individual with consent, or as otherwise allowed by law from other sources and shall be limited to that which is necessary for the purposes identified in Section 2.
5. Limiting Use, Disclosure and Retention
McKinley Life & Disability Insurance Services Ltd. does not use or disclose personal information for purposes other than those for which it was collected as described in section 2, except with the consent of the individual or as required by law.
McKinley Life & Disability Insurance Services Ltd. keeps personal information only as long as is necessary to fulfill the identified purpose for which it was collected, or as otherwise required as allowed by law. This information is retained long enough to allow the individual access to applicable information after a given transaction has taken place.
McKinley Life & Disability Insurance Services Ltd. ensures that we use reasonable efforts to keep personal information accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used. However, we do not routinely update personal information, unless such information is necessary to fulfill the purposes for which the information was collected.
We rely on our customers and members to provide up-dated information including, but not limited to: change of addresses, change of banking information, change in status that would affect their insurability and rates.
If personal information retained is not correct, accurate, complete, up to date, or relevant and an individual demonstrates this, McKinley Life & Disability Insurance Services Ltd. will revise the personal information as soon as notification is received. If necessary, we will disclose the revised information to all parties which were provided with the incorrect or outdated information to permit them to revise their records as well.
McKinley Life & Disability Insurance Services Ltd. ensures the protection of personal information by security safeguards appropriate to the sensitivity of the information. Personal information is protected against loss, theft, unauthorized access, disclosure, copying, use and/or modification. The nature of these safeguards vary depending on the sensitivity of the personal information that has been collected, the amount, type of distribution, format of the information, and the method of storage.
9. Individual Access
Upon request in writing, an individual shall be informed of the existence, use and disclosure of his or her personal information and shall be given access to that information, except where the law requires or permits McKinley Life & Disability Insurance Services Ltd. to deny access. If we determine not to provide access to personal information, we will provide an explanation. McKinley Life & Disability Insurance Services Ltd. may require the individual to provide us with sufficient information to enable us to account for the existence, use and disclosure of personal information.
McKinley Life & Disability Insurance Services Ltd. will respond to a request as soon as reasonably possible and no later than 30 days after receipt of the request. The normal 30-day response time limit may be extended, as specific needs require and according to applicable law.
10. Challenging Compliance
An individual shall be able to address a challenge concerning compliance with the above principles to the Privacy Officer.
McKinley Life & Disability Insurance Services Ltd. investigates all complaints received and if we find a complaint is justified, we will take appropriate measures to correct and if necessary, amend our practices and policies.