Privacy Policy
Introduction
NorthCoverage ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services to request final expense insurance quotes in Canada.
Information We Collect
Personal Information
When you request quotes through our service, we collect:
- Contact Information: Name, email address, phone number, mailing address
- Demographic Information: Age, province/territory of residence, postal code
- Insurance Information: Desired coverage amount, timeline preferences, and any additional notes you provide
- Communication Records: Records of our communications with you, including calls, emails, and text messages
Technical Information
We automatically collect certain technical information when you visit our website:
- IP address and general location information
- Browser type and version
- Device information and operating system
- Pages visited and time spent on our website
- Referring website information
How We Use Your Information
We use your personal information for the following purposes:
- Quote Processing: To connect you with licensed insurance advisors and facilitate the preparation of insurance quotes
- Communication: To contact you regarding your quote request, answer questions, and provide customer service
- Legal Compliance: To comply with applicable Canadian federal and provincial laws and regulations
- Service Improvement: To analyze and improve our website and services
- Marketing: With your consent, to send you information about insurance products and services that may interest you
Information Sharing and Disclosure
Licensed Insurance Partners
We share your personal information with licensed insurance advisors and brokers operating in your province or territory for the purpose of preparing and providing insurance quotes. These partners are bound by professional licensing requirements and privacy obligations.
Service Providers
We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, including:
- Technology and hosting providers
- Customer relationship management systems
- Communication and marketing platforms
- Analytics and website optimization services
Legal Requirements
We may disclose your personal information if required by law, court order, or government regulation, or to protect our rights, property, or safety, or that of others.
Data Storage and Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Your information is stored on secure servers located in Canada where possible, with appropriate encryption and access controls.
Your Rights and Choices
Access and Correction
You have the right to access and request correction of your personal information. Contact us using the information provided below to make such requests.
Withdrawal of Consent
You may withdraw your consent to be contacted at any time by:
- Replying "STOP" to any text message
- Using unsubscribe links in emails
- Contacting us directly using the contact information below
Marketing Communications
You can opt out of marketing communications while still receiving service-related communications about your quote requests.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and understand user preferences. You can control cookie settings through your browser preferences.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date.
Provincial Privacy Laws
This Privacy Policy is designed to comply with applicable Canadian federal and provincial privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy acts where applicable.
Contact Information
If you have questions about this Privacy Policy or our privacy practices, please contact us:
- Email: privacy@northcoverage.com
- Phone: +1 (604) 555-0199
- Mail: NorthCoverage Privacy Officer
1234 Granville Street, Suite 502
Vancouver, BC V6Z 1L3
This Privacy Policy is effective as of the date listed above and governs our collection, use, and disclosure of your personal information in connection with our services.