Privacy Policy

We are committed to providing our clients with excellent service. Doing business with a Property and Casualty insurance broker involves providing information about yourself, so protection of your personal information is one of our highest priorities.

Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we’ll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.

The following is a brief summary of our privacy practices:

Why do we collect personal information?

When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

• Enable us to acquire or renew an insurance policy for you;
• Assist you and assess your ongoing needs for insurance;
• Assess your need for other products, such as financial products, and to offer them to you;
• Ensure your information is accurate and up-to-date; and
• Protect us both against error or fraud.

What personal information do we collect?

Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

• Basic information such as your name, address, telephone and fax numbers, e-mail address, birth date and marital status
• Claims history
• Credit and past payment records
• Driver’s record
• Details about your property such as the value of your home and its contents
• Medical information such as any condition that may affect the operation of a vehicle
• Employment information

We may obtain this information from:

• You
• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Motor vehicle and driver licensing authorities
• Financial institutions
• Medical professionals

Who do we disclose your personal information to? For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:

• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Professionals working with us such as adjusters or lawyers
• Financial institutions. For example, the organization that carries your mortgage.

How do we protect your personal information?

In order to protect your personal information and right to privacy, we will:

• Not collect, use or disclose your personal information for any purpose other than those that we identify to you.
• Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law.
• Maintain your personal information in as accurate, complete and up-to-date a form as possible.
• Safeguard your personal information to the best of our ability.
• Respond to any request you may make to access or correct the personal information we hold about you.
• Obtain the appropriate consent from you for the collection, use or disclosure of your personal information.

Consent

We may obtain your express consent or we may determine that consent has been implied by the circumstances.

• We might ask you for your express consent in writing, for example in a signed consent or application form.
• We may ask for your express consent in person or over the telephone.
• We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner.

There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.

You can control how we handle your personal information

We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use or share your personal information or you could also withdraw a previously given consent at any time.

However by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.

For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.

We’ll be happy to discuss particular situations with you to help you with your decision.

Contact Information and Resources

We are committed to treating you with respect and courtesy, and to providing the highest level of service.

Please contact our Privacy Officer:

Jim Campbell of James Campbell Insurance
33 Toronto Street North, Uxbridge, ON   L9P 1N7 Phone:  905-852-9191
Fax:  905-852-6088
Email:  jcampbell@jamescampbellinsurance.com

if you:

• Wish to access your personal information.
• Wish to change your consent to the ways in which we may collect, use or disclose your personal information.
• Have a complaint about our privacy policies, or the manner in which we’ve handled your personal information.
• Have any other questions about our privacy policies, wish to obtain a copy of our Personal Information Policy & Procedure Handbook, or request additional information.

We will respond to you promptly and do our utmost to resolve your concerns. To find out more about federal privacy laws, please contact the Office of the Privacy Commissioner at 1-800-282-1376 or visit their website at www.privcom.gc.ca.

Limitation of Liability

The Content

James Campbell Insurance Brokers makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. James Campbell Insurance Brokers hereby disclaims all warranties and conditions with regard particular purpose, title and non-infringement. In no event shall James Campbell Insurance Brokers be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action, including but not limited to contract, negligence or other tortuous actions, arising out of or in connection with the use, copying or display of the content.

Although James Campbell Insurance Brokers believes the content to be accurate, complete and current, James Campbell Insurance Brokers makes no warranty as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. From time to time changes are made to the content herein. James Campbell Insurance Brokers may make changes in the products and/or the services described herein at any time.

Links to Other Sites

Some sites listed as links herein are not under the control of James Campbell Insurance Brokers. Accordingly, James Campbell Insurance Brokers makes no representation whatsoever concerning the content of those sites. The fact that James Campbell Insurance Brokers has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by James Campbell Insurance Brokers with respect to such site, its owners or its providers. James Campbell Insurance Brokers has not tested any information, software or products found on the Internet, and James Campbell Insurance Brokers cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Information Provided by You

Any information provided by you to James Campbell Insurance Brokers, including but not limited to feedback, data, questions, comments, suggestion or the like, shall be deemed to be non-confidential. James Campbell Insurance Brokers shall have no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose and distribute the information to others without limitation. Additionally, James Campbell Insurance Brokers shall be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such information. However, James Campbell Insurance Brokers will not use your name or otherwise publicize the fact that you submitted materials or other information to James Campbell Insurance Brokers unless: (a) we ask your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or (c) we are required to do so by law.