Form of Consent
When we collect, use or disclose your Personal Information, we will generally obtain your consent. Most of the time, we will obtain your consent before or at the same time we collect your Personal Information. In some instances, however, we may seek your consent after we have collected your Personal Information if we wish to make an additional use or disclosure of your Personal Information where we do not already have your consent for that new use or disclosure.
Depending on the circumstances, your consent may be express or implied. Express consent would arise if you specifically consented to a particular dealing in your Personal Information. Express consent can be given orally, electronically or in writing.
Implied consent can be inferred from the circumstances and, in particular, where the uses and disclosures are readily apparent at the time we collect the Personal Information. For example, if you send us an email requesting certain information, we will use the email address in your email to send you the requested information without asking you if we can use the email address for that purpose; your consent will be implied in those circumstances. As well, we will assume your consent to the collection, use and disclosure of your Personal Information for a particular purpose if you voluntarily provide the information for that purpose.
Certain Personal Information We Collect, from Where We Collect It, Why We Collect It, and with Whom We Share It
The following chart describes certain categories of Personal Information we may collect about you; and, for each category, where and why we collect it, and the categories of entities with which we may share your Personal Information. By providing Personal Information to us, we will assume that you have consented to the collection, use and disclosure of Personal Information in accordance with the following chart, unless you inform us otherwise.
|Categories of Personal Information||Categories of Sources||Purpose(s) for Collection of Personal Information||Categories of Third Parties with Which Personal Information is Shared for a Business Purpose|
|Personal Identifiers—such as name, postal address, Internet Protocol address, email address, social insurance numbers, emergency contact information, or other similar identifiers||-Individuals directly -Insurance companies||-Providing products and services -Responding to consumer inquiries -Marketing -Security processes -Human resources functions -Recruiting -Restoration of property -Insurance claims and claims assessment||Service providers (vendors that provide services to us in connection with the operation of our business, including vendors that process payments, perform human resources functions, verify customer information, manage customer information, provide security services, store cloud-based data, host our website and assist with other IT-related functions, advertise and market our products and services and those of our affiliates, provide analytics information, and facilitate conferencing, legal and accounting services, among other business functions) Insurance companies and adjusters Employee benefits administrators and providers|
|Property and damage including photos||-Individuals directly -Insurance companies and adjusters-Onsite evaluation||Restoration of property Insurance claims and claims assessment||Service providers (cleaning, restoration and construction services, job cost estimator and job tracking tools) Insurance companies and adjusters|
|Sensitive information—such as gender, age, disability status, pregnancy status, citizenship, medical condition, physical or mental disability||-Employees||Human resources functions||Service providers|
|Professional or Employment information—such as information about past employers, work history, skills, educational background, and references||-Job applicants -Employees -Recruiting agencies or platforms -Referral sources||Human resources functions Recruiting||Service providers|
|Commercial information – such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies||-Individuals interacting with our website and mobile apps||Providing products and services Internet marketing||Service providers|
|Internet or other electronic network activity information, including browsing and search history||-Individuals interacting with our website and mobile apps -Employees||Security processes Providing products and services Internet marketing|
|Education information||-Job applicants -Employees -Recruiting agencies or platforms -Referral sources||Human resources functions Recruiting||Service providers|
|Audio information||-Individuals who call our customer service line||Quality assurance and training|
We may engage certain service providers. Those service providers may provide services to us to assist us in our activities. Other service providers may provide services directly to you at our request. As such, it may be necessary to disclose your Personal Information to these service providers. Some instances where we may provide your Personal Information to a service provider are set out in the chart above.
Storage and Processing Information outside Canada
Certain of our affiliated companies are located in the United States. As well, certain of our service providers are located outside of Canada. As such, we may transmit your Personal Information to our affiliated companies and to third parties who are located outside of Canada to assist us in the operation of our business. By providing Personal Information to us, you are consenting to the delivery and the storage, processing and handling of your Personal Information outside of Canada. Please note that many governments around the world can require that organizations under their jurisdiction deliver information, including Personal Information, that is in the control of that organization to the government. This is often done without notice to, or the consent of, the affected individual.
With respect to each of the categories of Personal Information we collect as noted in the chart above, we may use your Personal Information to market products and services that we think may be of interest to you, including our own products and services, as well as those of our affiliates and of third parties.
Additional Information Regarding Our Collection, Use and Sharing of Personal Information
Privacy law permits or requires the collection, use and disclosure of Personal Information without the knowledge or consent of the individual in certain circumstances. We reserve the right to collect, use and disclose your Personal Information in these circumstances without your knowledge or consent, including in one or more of the following circumstances: in order to comply with legal obligations; when we believe in good faith that an applicable law requires it; at the request of governmental authorities or other third parties conducting an investigation; to detect and protect against fraud, or any technical or security vulnerabilities; to respond to an emergency; or otherwise to protect the rights, property, safety, or security of our business, third parties, visitors to our websites and mobile apps, or the public.
We may also share Personal Information with any person to whom we transfer any of our rights or obligations under any agreement, or in connection with a sale, merger or consolidation of our business or other transfer of our assets, whether voluntarily or by operation of law, or who is otherwise deemed to be our successor or transferee.
We may send text files (e.g., “cookies” or other cached files) or images to your web browser. Such text files and images are used for technical convenience to store information on your computer. For instance, we may use a cookie to store form information that you have entered so that you do not have to enter such information again. We may use information stored in such text files and images to customize your experience on this website and to monitor use of this website. You may set your browser to notify you when you receive a cookie. Many web browsers also allow you to block cookies. If you block cookies, you may not be able to access certain parts of this website. You can disable cookies from your computer system by following the instructions on your browser or at www.youradchoices.com.
Google Analytics collects information on your activities on our website and may associate it with other information that they may have collected and they may use all of this information for their own business purposes. See https://policies.google.com/technologies/partner-sites for more information on Google’s privacy practices with respect to websites that use Google services.
Do Not Track
“Do Not Track” is a privacy preference that users can set in certain web browsers. We do not comply with automated browser signals regarding tracking mechanisms, which may include “do not track” instructions.
Personal Information of Minors
Our products and services are not directed to minors under the age of 13, and we do not knowingly collect or sell the Personal Information of minors under 16.
How We Keep Your Personal Information Secure
We implement and maintain reasonable security appropriate to the nature of the Personal Information that we collect, use, retain, transfer or otherwise process. Our reasonable security program is implemented and maintained in accordance with applicable law and relevant standards. However, there is no perfect security, and reasonable security is a process that involves risk management rather than risk elimination. While we are committed to developing, implementing, maintaining, monitoring and updating a reasonable information security program, no such program can be perfect; in other words, all risk cannot reasonably be eliminated. Data security incidents and breaches can occur due to vulnerabilities, criminal exploits or other factors that cannot reasonably be prevented. Accordingly, while our reasonable security program is designed to manage data security risks and thus help prevent data security incidents and breaches, it cannot be assumed that the occurrence of any given incident or breach results from our failure to implement and maintain reasonable security.
Personal Information of Others
You may not provide to us any Personal Information of others unless you have the consent of those individuals or you are otherwise permitted by law to provide us with their Personal Information.
Requests for Access to Personal Information
On your written request we will provide you with:
- Access to your Personal Information (if any) under our custody or control
- Information about the purposes for which your Personal Information under our custody or control has been and is being used by us
- The names of persons to whom, and the circumstances in which, your Personal Information has been and is being disclosed by us
All requests may be subject to reasonable fees and disbursements. Where appropriate to do so, we may require advance payment of a deposit or the entire costs of responding to a request for access to Personal Information.
Requests Must Be in Writing
We require that all requests for access be in writing and signed by the requestor. We required sufficient information and detail from the requestor in order to verify their identity, properly locate the information and respond to the request.
Limits on Individual Rights to Information
An individual’s ability to access his or her Personal Information under our control is not absolute. We reserve all rights not to disclose Personal Information, or its existence, in certain circumstances. For example, we may not disclose Personal Information where:
- The disclosure could reasonably be expected to threaten the safety or physical or mental health of an individual
- The disclosure would reveal Personal Information about another individual
- The disclosure of the information would reveal confidential commercial information
- The Personal Information was collected by us for an investigation or legal proceeding
Requests for Correction of Personal Information
On request by you, we will correct errors or omissions in your Personal Information where that information is in our custody or control. We require that all such requests be in writing and signed by you. We may require sufficient information and detail from the individual in question in order to verify their identity, properly locate the information and respond.
If you make such a request, we will either:
- Correct the Personal Information and, if reasonable to do so, send correction notifications to any third party to whom we disclosed the incorrect information; or
- Decide not to correct the Personal Information but to retain a record that a correction was requested but not made.
Corrections or amendments will rarely, if ever, be made to opinions, including expert or professional opinions, as opposed to factual information, which may be corrected if in error.
Our Commitment to Honoring Your Rights
We are committed to ensuring that our communications are accessible to people with disabilities. To make accessibility-related requests or report barriers, please contact us using the information below.
For data privacy questions, please contact our Data Privacy Officer
110 Matheson Blvd W, Suite 210
Mississauga, ON L5R 4G7