Privacy Policy

Privacy Policy

1. Introduction and Commitment
True North Insurance (“True North,” “we,” “us,” or “our”), a division of Oracle RMS Insurance Brokers, is committed to protecting the privacy and confidentiality of personal information. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), where applicable.

2. Information We Collect
We collect personal information reasonably necessary to provide insurance brokerage services. Depending on the product or service requested, this information may include:
Identification and contact information: Name, address, date of birth, telephone number, email address, driver’s licence information, and other identifying details.
Financial information: Payment details, credit information where authorized and required, and other financial information relevant to underwriting or payment processing.
Insurance-related information: Policy and insurance history, claims history, driving history, property details, business information, health information where relevant and permitted, and information about persons or assets to be insured.
Website and technical information: IP address, browser and device information, website activity, and information collected through cookies or similar technologies.
Communications: Information provided through telephone calls, emails, forms, applications, or other communications with us.

3. How We Use Personal Information
We may use personal information to:
assess insurance needs and obtain quotations;
arrange, issue, administer, amend, renew, or cancel insurance policies;
communicate about policies, claims, payments, and services;
assist with underwriting and claims handling;
verify information and prevent or detect fraud;
meet legal, contractual, accounting, audit, and regulatory obligations;
improve our services, website, security, and client experience; and
carry out other purposes identified at or before the time of collection, or as otherwise permitted or required by law.

4. Consent
We obtain consent to collect, use, and disclose personal information except where otherwise permitted or required by law. Consent may be express or implied, depending on the circumstances and sensitivity of the information. Consent may be withdrawn at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawing consent may limit our ability to provide or continue providing certain products or services.

5. How We Share Information
We do not sell personal information. We may disclose information, as reasonably necessary, to:
insurance companies, underwriting organizations, adjusters, claims professionals, and other insurance-market participants;
payment processors, technology providers, professional advisers, and other service providers;
regulatory bodies, law-enforcement agencies, courts, or government authorities where required or permitted by law;
other parties with consent or as otherwise disclosed at the time information is collected; and
parties involved in a proposed or completed business transaction, subject to applicable legal safeguards.

6. Third-Party Services and Links
Our website may contain links to websites or services operated by third parties. Their privacy practices are governed by their own policies. We are not responsible for the content, security, or privacy practices of third-party websites or services.

7. Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to meet legal, regulatory, contractual, and legitimate business requirements. When information is no longer required, it is securely destroyed, erased, or anonymized in accordance with our retention practices and applicable law.

8. Safeguards
We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information. No method of transmission or storage is completely secure, but we take reasonable steps to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification.

9. Access and Correction
Subject to applicable law, individuals may request access to personal information we hold about them and ask that inaccurate or incomplete information be corrected. We may need to verify identity before responding. Certain legal exceptions may limit access, and we will explain any refusal where required.

10. Children’s Privacy
Our website and services are not directed to children. We do not knowingly collect personal information directly from children without the consent of a parent or legal guardian, except as otherwise permitted by law or required to provide an insurance service.

11. Service Providers Outside Canada
Personal information may be processed or stored by service providers located outside Canada or outside the province in which an individual resides. In those circumstances, the information may be subject to the laws of the foreign jurisdiction and may be accessible to courts, law-enforcement agencies, or government authorities in that jurisdiction.

12. Cookies and Similar Technologies
Our website may use cookies and similar technologies to operate the site, remember preferences, understand site usage, improve performance, and support security. Browser settings may allow cookies to be blocked or deleted, although doing so may affect website functionality.

13. Changes to this Privacy Policy
We may update this Privacy Policy periodically. The updated version will be posted on our website with a revised “Last updated” date. Changes take effect when posted unless otherwise stated.

14. Privacy Questions and Requests
Questions, concerns, access requests, or correction requests may be directed to our Privacy Officer:
Email: info@truenorthbrokers.ca
Phone: (705) 937-TRUE (8783)