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RELIABLE LIFE AND YOUR PRIVACY
We are committed to protecting your privacy
Collecting personal information about you is essential to our ability to offer
you high-quality insurance products and service. We take great care to keep
your personal information, which we collect, accurate, confidential and secure.
Our Policy sets high standards for collecting, using, disclosing and storing
personal information. Reliable Life’s Privacy Code complements our Privacy Policy.
If you have any questions about Reliable Life's Privacy Policy or Privacy
Code, please contact our Privacy Officer at (905) 523-5587 or by email at
Privacy@ReliableLifeInsurance.com
In this document, you and your mean the individual who is a customer or
potential customer of the Reliable Life Insurance Company and we, us and
our mean the Reliable Life Insurance Company.
RELIABLE LIFE'S PRIVACY POLICY
1. How we collect, use and disclose personal information
2. We will protect your personal information
3. Your right to access your personal information
4. How to register a complaint
5. For more information
1. How we collect, use and disclose personal information
We ask you for only the information we need.
We collect only the information we need for the purposes we have identified to you.
Our files are kept for the purpose of providing and servicing insurance products
and services that we believe are right for you, over your lifetime.
We will not sell your personal information.
Why we need the information.
Generally, we need to collect personal information to:
- determine your eligibility,
- continue to offer you the full range of products and services that we
believe meet your changing needs and to service such products and services,
- meet regulatory or contractual requirements relating to the services
and products provided to you.
We will make sure you understand why we need the information by
identifying the purpose in clear, understandable language.
We will obtain your permission.
We collect, use or disclose your personal information only with your permission.
Your permission may be expressed in writing or be implied and you may
give it to us verbally, electronically, or through your authorized representative.
You may withdraw your permission to collect, use and disclose your
personal information at any time, subject to legal and contractual restrictions
and reasonable notice.
Where your medical information is collected or released, we will obtain your
consent to do so.
Before we make information available to third parties, other than an agent or
service provider who needs it, we will tell you at the time we obtain your
consent or before we make the information available, who those persons or
organizations are, the kind of information we want to share with them and why.
We will limit how long we keep information.
We will keep your personal information as long as it is necessary, including
updating the product or service or as required by law.
When we destroy personal information, we will use safeguards to prevent
unauthorized parties from gaining access to the information during the process.
2. We will protect your personal information
We are responsible for your information.
We are responsible for all personal information in our possession; including
information transferred to a third party service provider or agent, so that we
can provide you with a product or service.
All employees, agents and authorized service providers of Reliable Life are
required to protect the confidentiality of your personal information.
How we protect information.
Access to your personal information is restricted to those of Reliable Life's
employees, agents and authorized service providers who need it to do their jobs.
We have developed and are continuing to improve security procedures to
safeguard and protect personal information against loss, theft, unauthorized
disclosure, copying, and unauthorized use or modification. We maintain
appropriate safeguards and security procedures that reflect the types of
documents, including electronic or paper records. We have instituted
organizational measures including security clearances and limiting access
on a "need-to-know" basis, and technological measures such as the use of
passwords and encryption.
While we endeavour to protect all information, the most sensitive
information, such as medical information, receives the highest level of protection.
3. Your right to access your personal information
Your rights.
You have the right to ask whether we hold any personal information about
you and to see that information, as provided by law. Where we have
obtained medical information about you from a third party, we will release
this information only through your physician.
You also have the right to know:
- how we collected your personal information,
- to whom it may have been disclosed.
How to request an update or correction.
If you believe any of the information we have collected about you is incorrect
or incomplete, you have the right to ask us to change it.
If you show that your personal information is inaccurate or incomplete, we
will make the necessary changes.
If you feel we have not dealt with your request to your satisfaction, you can
follow our complaint resolution procedures.
4. How to register a complaint
You may register a privacy-related complaint by contacting Reliable Life's
Privacy Officer. We will explain Reliable Life's complaint procedure to you
and investigate all complaints. If a complaint is justified, we will take all
appropriate steps to set the situation right, including changing our policies
and practices if necessary. We will also let you know what other complaint
procedures may be available to you.
5. For more information
For more information, please contact Reliable Life's Privacy Officer at
(905) 523-5587 or by email at Privacy@ReliableLifeInsurance.com.
RELIABLE LIFE’S PRIVACY CODE
Principle 1: Accountability
Each member, employee or agent of Reliable Life is responsible for
personal information under his or her control. Reliable Life has
designated a Privacy Officer to be accountable for compliance with this
Code.
Principle 2: Identifying Purposes
The purposes for which personal information is collected shall be
identified before or at the time the information is collected.
Principle 3: Consent
The prior knowledge and permission of the individual are required for
the collection, use or disclosure of personal information, except for legal
or security reasons.
Principle 4: Limiting Collection
The collection of personal information shall be limited to that which is
necessary for the purposes identified. Personal information shall be
collected by fair and lawful means.
Principle 5: Limiting Use, Disclosure and Retention
Personal information will not be used, disclosed or retained for
purposes other than those for which the information was collected,
except with the permission of the individual, or as permitted or required
by law.
Principle 6: Accuracy
Personal information shall be as accurate, complete and current as is
necessary for the identified purposes for which it is to be used.
Principle 7: Safeguarding Information
Personal information will be protected by safeguards appropriate to the
sensitivity of the information.
Principle 8: Openness
Reliable Life will make readily available to our customers specific
information about our policies and procedures relating to the
management of their personal information.
Principle 9: Individual Access
Upon request, an individual will be informed of the existence, use and
disclosure of his or her personal information and shall be given access
to it. An individual will be able to challenge the accuracy and
completeness of the information and have it amended as appropriate.
Principle 10: Handling Customer Complaints and Suggestions
Individuals can address any complaint regarding compliance with the
above principles to:
Privacy Officer,
Reliable Life Insurance Company
Box 557, 100 King Street W., Hamilton ON L8N 3K9
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