Privacy Policy & Legal Information

Privacy Policy

Information We Collect

We may collect the following types of information when you use our website or services:

Personal Information

• Full name
• Email address
• Phone number
• Mailing address
• Information submitted through quote forms or inquiries

Insurance-Related Information

• Coverage interests and preferences
• General risk information (e.g., property, vehicle, or business details provided voluntarily)
• Policy-related inquiries

Note: We do not collect or store sensitive financial data such as credit card details directly on our systems. Payments (if applicable) are processed through secure third-party providers.

Technical Information

• IP address
• Browser type and version
• Device type and operating system

Usage Data

• Pages visited
• Time spent on the website
• Form interactions and navigation behavior

How We Use Your Information

We use collected information to:

• Provide insurance quotes and related services
• Respond to inquiries and customer support requests
• Connect you with licensed insurance providers or partners
• Improve website performance and user experience
• Maintain security and prevent fraud
• Comply with legal and regulatory requirements

Consent

By using our website or submitting your information, you consent to the collection, use, and disclosure of your personal information as described in this policy.

You may withdraw consent at any time, subject to legal or contractual obligations related to insurance services.

Disclosure of Information

We do not sell or rent your personal information. We may share information with:

• Licensed insurance partners, brokers, or underwriters
• Third-party service providers (e.g., hosting, analytics, CRM tools)
• Regulatory or legal authorities when required by law
• Entities necessary to process your insurance requests

Data Security

We implement reasonable safeguards, including:

• Secure servers and encrypted communications where applicable
• Restricted access to personal data
• Regular system monitoring and updates

However, no method of transmission over the internet is completely secure.

Data Retention

We retain personal information only as long as necessary to:

• Provide services
• Maintain business records
• Comply with legal and regulatory obligations

Your Rights

You have the right to:

• Access your personal information
• Request corrections to inaccurate data
• Withdraw consent (where applicable)
• File a complaint with the Office of the Privacy Commissioner of Canada

Contact: [Insert Email Address]

Terms of Use

Acceptance of Terms

By accessing or using the InsureMB website, you agree to comply with these Terms of Use and applicable laws in Ontario and Canada.

Permitted Use

You agree to:

• Use the website only for lawful insurance-related inquiries
• Not attempt unauthorized access to systems or data
• Not interfere with website functionality or security

No Insurance Guarantee

Quotes, estimates, or informational content provided on this website do not guarantee coverage approval or policy issuance. All insurance products are subject to underwriting approval and terms of insurers.

Intellectual Property

All content on this website, including text, logos, branding, and materials, is the property of InsureMB or its licensors and is protected under Canadian intellectual property laws. Unauthorized use is prohibited.

Limitation of Liability

To the fullest extent permitted by law, InsureMB shall not be liable for:

• Any direct or indirect damages arising from website use
• Loss of data, revenue, or insurance coverage decisions
• Errors, delays, or interruptions in website service

Governing Law

These Terms are governed by the laws of the Province of Ontario and applicable federal laws of Canada.

Changes to Terms

We may update these Terms at any time. Continued use of the website constitutes acceptance of any changes.

Cookies Policy

What Are Cookies

Cookies are small text files stored on your device to improve website performance and user experience.

Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help analyze traffic and usage patterns
• Functional Cookies: Store user preferences

Purpose of Cookies

We use cookies to:

• Improve website performance
• Analyze user behavior
• Enhance navigation and usability

Managing Cookies

You can disable cookies through your browser settings, but some website features may not function properly.

Legal Disclaimer

General Information Only

All content on this website is provided for informational purposes only and does not constitute insurance, legal, or financial advice.

No Warranties

InsureMB makes no guarantees regarding:

• Accuracy or completeness of information
• Availability of website services
• Insurance eligibility or approval outcomes

Third-Party Links

We may link to external websites. InsureMB is not responsible for their content, policies, or practices.

Use at Your Own Risk

Your use of this website is entirely at your own risk.

Accessibility Policy (AODA Compliance)

Commitment

InsureMB is committed to providing accessible digital services in accordance with the Accessibility for Ontarians with Disabilities Act (AODA).

Accessibility Features

We aim to:

• Ensure compatibility with assistive technologies
• Provide clear structure and readable content
• Maintain proper contrast and font readability
• Follow WCAG accessibility guidelines

Continuous Improvement

We regularly review and improve accessibility features across our website.