Privacy Policy

Depending on the nature of the insurance services you apply for and buy, the information we collect varies and may include payment methods and communication preferences.

Typically, we collect the following information about you:

• Name
• Address
• Postal Code
• Phone Number
• Email Address
• Date of Birth/Age
• Gender
• Payment card number
• Payment card expiry date
• Banking information
• Purchase history
• Product/service preferences
• Customer satisfaction info
• Opinions about products and services
• Health/medical information
• Driver’s license number
• Vehicle or property descriptions
• Loan or mortgage details
• Driving record and claims history
• Credit information
• Accident reports
• Witness statements
• Medical records

We collect such personal information directly from you when you request a quote, apply for insurance, make a payment, or open a claim under your insurance policy.

We also keep records of communication with you (e.g. recorded calls, online chats and other communications between you and us, e-mail exchanges, applications or forms that you complete, transactions with us or with our affiliates, in-person meetings) to ensure quality customer service, to confirm service details and your instructions and to resolve complaints.  

We also collect information from a number of third parties as permitted by law, including insurance companies, government bodies, insurance adjusters, home contractors, auto shops, and other third parties who can provide information about or services related to your insured property.

When you provide us with personal information to complete a transaction you are providing us your consent to use it for that specific reason only (i.e. completing the transaction).

If we ask you for personal information for a secondary reason, like marketing, we will either ask you directly for your consent or provide you with an opportunity to say no.

We will only collect, use or disclose your personal information, without your consent, as permitted by legislation or Court Order.

We collect, use, and disclose information for a number of reasons including but not limited to:

• Understand your needs and how to communicate effectively with you
• Verify your identity and property or assets
• Assess and underwrite insurance risks
• Determine prices, fees, and premiums
• Investigate and adjust insurance claims
• Settle or arrange for settlement of insurance claims
• Promote services offered by us, our affiliates, strategic partners, including insurance companies, adjusters, and other intermediaries
• Conduct market research to always serve you better
• Report to regulatory or industry entities consistent with prudent and legally required insurance industry practices, including claims history
• Detect, prevent and suppress fraud, unauthorized, or illegal activities
• Comply with all applicable laws, including tax requirements
• Share your information with third party service providers for external processing such as data or payment processing
• Share your information among our affiliates for any of the above purposes

You may withdraw your consent to the collection, use, and disclosure of your personal information, subject to certain limitations, by contacting Heather Wilson (contact information outlined below).

However, if you do so, we may not be able to continue to provide you with our insurance products and services, or our best rate on your insurance policy.

Our organization shares personal information with the insurance company underwriting your property.    

To ensure your personal information is protected, we contract with these third party insurance companies on the condition that they will:

• protect your personal information by agreeing to have safeguards in place to protect your information, etc.;
• undertake only to use your personal information for the purpose of insuring you;
• pass on to us any requests from you to see your records;
• destroy your personal information when no longer needed.

Note that when we disclose your personal information to insurers, they may at times process and store your information outside of Canada. If your personal information is processed or stored in a foreign country, it will be subject to that country’s laws and may be disclosed in accordance with those laws.

You have the right to request correction of your personal information. We strive to ensure your personal information is accurate, complete and up-to-date as needed.

If you want to access your file or have it corrected, please contact Heather Wilson (contact information set out below).

Your right to access your personal information is not absolute. We may be required to deny access when:

• denial of access is required or authorized by law;
• granting access would have an unreasonable impact on other people’s privacy;
• where the information is protected by solicitor-client privilege;
• where your personal information cannot be severed from another’s personal information.

If we deny your request for access to, or refuse a request to correct information, we shall explain why.

We ensure a variety of safeguards are in place to protect your personal information such as:

• Your personal information is only handled by as few employees as necessary to service your insurance needs.  In other words, your personal information is only shared on a “need-to-know basis.”
• Your personal information is stored on our computers that are password protected and which have technological safeguards like security software and firewalls with passwords that are required to be updated periodically to prevent hacking or unauthorized computer access.
• If your personal information is stored on a CD or USB key, we ensure that such devices are password protected and encrypted.
• All paper copies containing your personal information are kept in locked filing cabinets in our offices which are secure, locked outside of working hours and alarm protected.
• We will only retain your personal information only for as long as the personal information is required for the purpose for which it was collected  

We train our staff, upon hire, and continually throughout their careers, on the above noted safeguards and the need to remain vigilant in keeping your personal information strictly confidential and secure.

If you would like more information about our policies, or you would like to see exactly what personal information we have about you in our records, or you wish to register a complaint, please contact:

Name: Heather Wilson (President & CEO)
Address: 404 Queen Street, Fredericton, New Brunswick, E3B 1B6
Phone: 506.458.8505
Email: wilson@wilson.nb.ca