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We are committed to maintaining the security, confidentiality and accuracy of all personal information under our control. As part of this commitment, we have established the following TEN PRIVACY PRINCIPLES that govern our information handling practices:
Principle 1 — Accountability
We are responsible for personal information under our control and we have designated one or more persons who are accountable for our compliance with the Privacy Principles.
Principle 2 — Identifying Purposes for Collection of Personal Information
We identify the purposes for which personal information is collected at or before the time the information is collected.
Principle 3 — Obtaining Consent for Collection, Use, or Disclosure of Personal Information
We obtain the customer’s consent to the collection, use or disclosure of personal information unless consent is not required by law.
Principle 4 — Limiting Collection of Personal Information
We limit the collection of personal information to that which is necessary for the purposes identified. We only collect personal information by fair and lawful means.
Principle 5 — Limiting Use, Disclosure and Retention of Personal Information
We do not use or disclose personal information for purposes other than those for which it was collected, except with the consent of the individual or as permitted by law. We retain personal information only as long as is necessary and in accordance with statutory requirements.
Principle 6 — Accuracy of Personal Information
Personal information is maintained in as accurate and up to date a form as is necessary to fulfill the purposes for which it is to be used. If material errors in accuracy or completeness exist, the information may be amended, if appropriate, upon request.
Principle 7 — Safeguarding Personal Information
We protect personal information with appropriate security safeguards in accordance with legislated requirements.
Principle 8 — Openness Concerning Protocol and Practices
We make information available to our individual customers and employees concerning the policies and practices that apply to the management of their personal information.
Principle 9 — Customer and Employee Access to Personal Information
Upon request, individual customers and employees will be informed of the existence, use and disclosure of their personal information, and be given access to it. Individual customers and employees may verify the accuracy and completeness of their information, and may request that the information be amended where appropriate.
Principle 10 — Handling Customer Complaints and Suggestions
Individual customers or employees may direct any questions or inquiries about these Privacy Principles or our personal information practices to our Corporate Privacy Officer.
What personal information is collected: The personal information we ask for depends on the nature of the service or product requested and is limited to the information needed to process that request or to provide better service. This refers to personal information contained in applications for insurance protection and information required to process claims made by policyholders, each of which can include personal medical and financial information. We seek to balance the company’s need to use such information for reasonable business purposes and individuals’ right to privacy in respect of their personal information.
How personal information is collected: The information we collect comes directly from the customer or indirectly from a third party. If a third party requires consent to disclose information, a signed Information Release form is obtained from the customer. If information is being collected by telephone, the call may be recorded and/or monitored. Telephone call recordings are used for quality assurance, training, and to establish a record of the information you provide. If you are not comfortable with having your telephone calls recorded, you have the option of communicating with us in writing and requesting that we respond to you in writing.
How personal information is used: We use personal information to communicate, to deliver products and services you have requested, and to provide information about additional products and services that we believe might be of benefit and interest to you.
Disclosing personal information to outside parties: Other than that which is necessary to deliver our services and products, we are required to keep all personal information confidential at all times, except under the following circumstances:
Safeguarding information: We maintain security standards to ensure that all personal information is protected against unauthorized access, unauthorized disclosure, misuse, or inappropriate alteration.
Accessing and amending information: All individual customers have the right to access, verify and amend the personal information held by us. To submit a request for access to personal information, customers are asked to contact our Corporate Privacy Officer.
Questions, concerns and complaints: If there are any questions about our Privacy Protocol or concerns or complaints about privacy, confidentiality, or our information handling practices, our customers are advised to please contact our Corporate Privacy Officer. If you are not satisfied with the response you receive, you may contact the Information & Privacy Commissioner of Alberta.
Information & Privacy Commissioner of Alberta: