Privacy Policy
CPA Insurance Plans West (“CPAIPW”, “we”, “our”, or “us”) is committed to respecting your privacy and protecting your personal information. This Privacy Policy explains how your personal information is collected, used, and disclosed by CPA Insurance Plans West. This Privacy Policy applies to our website and its associated subdomains (collectively, our “service”) alongside our web applications and our customer portal. By accessing or using our website or services, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. This Privacy Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage.
What personal information do we collect?
You can access and use the website and services without sharing any information by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the features of the website or services, you may be asked to provide certain personal information (for example, your name and email address). We receive and store any information you knowingly provide to us when you create an account or fill out any online forms. When required, this information may include the following:
- Personal details such as name, country of residence, etc.
- Contact information such as email address, address, etc.
- Account details such as username, unique user ID, password, etc.
- Payment information such as credit card details, bank details, etc.
- Information about other individuals such as your family members, etc.
- Information related to your health, such as your family history or smoking habits, to establish your eligibility for certain insurance products
- Financial information, such as the amount of your mortgage, debts, savings, investments, liquid assets, and salaries or information on your insurance contracts in force, to offer you advice and products and investments that meet your needs
- Any other personal information provided.
Some of the information we collect is directly from you via the website and services. However, we may also collect personal information about you from other third-party sources.
How do we use the information we collect?
Any of the information we collect from you may be used in one of the following ways:
- To build and manage our relationship with you
- To personalize your experience
- To improve our website and services
- To improve customer service
- Carry out development and research to ensure that we maintain the highest standard of security and to understand our customers' requirements to improve our offer
- To meet a legal obligation
- To create and manage user accounts
- To process transactions
- To request customer feedback
- To share customer testimonials
- To administer a contest, promotion, survey, or other site feature
- To create audience profiles and target our advertising and communications
- To send periodic communication
If you do not provide the information that we request, we may not be able to provide you with the requested products or services.
What information is automatically collected from customers and end users?
When you open the website or register for our portal, our servers automatically record information that your browser sends. This data may include information such as your device's IP address, browser type and version, operating system type and version, language preferences, or the webpage you were visiting before you came to our website and services, pages of our website and services that you visit, the time spent on those pages, the information you search for on the website, access times and dates, and other statistics.
Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding the usage and traffic of the website and services. This statistical information is not otherwise aggregated in a way that would identify any particular user of the system.
Cookies
The website and services use "cookies" to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.
We may use cookies to collect, store, and track information for statistical purposes to operate the website and services. You can accept or decline cookies and may modify your browser settings to decline cookies if you prefer. To learn more about cookies and how to manage them, visit internetcookies.org
When does CPA Insurance Plans West use end-user information from third parties?
CPA Insurance Plans West may collect End User Data necessary to provide services to our customers. End users may voluntarily provide us with information they have made available on social media and other websites. If you provide us with any such information, we may collect publicly available information as well. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.
When does CPA Insurance Plans West use customer information from third parties
We may receive some information from third parties when you contact us. For example, when you submit your email address to us to show interest in becoming a CPA Insurance Plans West client, we may also receive information from a third party. We may also collect information that is made publicly available on social media and other websites. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.
Do we share the information we collect with third parties?
We may share the information that we collect, both personal and non-personal, with third parties such as insurance providers, software providers and developers, partners, and others who provide our content and communication services.
We have obtained your consent to do so if you wish to purchase insurance or obtain one of our products, in which case, we transmit the following information to our partners, agencies, and software providers:
- All the information you provided when you submitted your application
- The information on the product you have selected
We may engage trusted third-party service providers to perform functions and provide services to us, such as hosting and maintaining our servers and the website, database storage and management, email management, storage marketing, credit card processing, customer service, and fulfilling orders for products and services you may purchase through the website. We will likely share your personal information, and possibly some non-personal information, with these third parties to enable them to perform these services.
We may share anonymized data, such as portions of our log file data, including IP addresses, for analytics purposes with third parties such as web analytics partners, application developers, and ad networks. If your IP address is shared, it may be used to estimate general location and other technographics, such as connection speed, whether you have visited the website in a shared location, and type of the device used to visit the website. They may aggregate information about our advertising and what you see on the website and then provide auditing, research, and reporting for us.
We may also disclose personal and non-personal information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims, legal processes (including subpoenas), to protect our rights and interests or those of a third party, the safety of the public or any person, to prevent or stop any illegal, unethical, or legally actionable activity, or to otherwise comply with applicable court orders, laws, rules and regulations.
How Do We Use Your Email Address?
By submitting your email address on this website, you agree to receive emails from us regarding the products and services you are inquiring about. You can select whether or not to receive additional marketing communication such as promotions, and you can cancel your participation in any of these communications at any time by clicking on the opt-out link or other unsubscribe option that is included in the respective email.
In compliance with Canada Anti-Spam Legislation (CASL), we only send emails to people who have authorized us to contact them, and all emails sent from us will clearly state who the email is from and provide clear information on how to contact the sender. You may choose to stop receiving our marketing emails by following the unsubscribe instructions included in these emails or by contacting us. However, you will continue to receive essential transactional emails if you are a client of CPA Insurance Plans West.
We may also use your email address for customer audience targeting.
How Do We Protect Your Information?
We implement a variety of security measures to maintain the safety of your personal information when you apply for insurance or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems and are required to keep the information confidential.
Appropriate physical, technical, and administrative safeguards and security measures have been put in place to prevent:
- Any accidental or unlawful destruction
- Any accidental loss
- Any unauthorized disclosure
- Unauthorized modification
- Unauthorized access
- Any illegal treatment.
In order to do so, we ensure, among other things, that access to our offices and computer equipment is restricted, that our staff is trained, and that our agents and suppliers having access to personal information implement security measures deemed equivalent.
We cannot, however, ensure or warrant the absolute security of any information you transmit to CPA Insurance Plans West or guarantee that your information on the service may not be accessed, disclosed, altered, or destroyed by a breach of any of our physical, technical, or managerial safeguards.
Can I update or correct my information?
You may exercise certain rights regarding your information processed by us. In particular, you have the right to do the following: (i) you have the right to withdraw consent where you have previously given your consent to the processing of your information; (ii) you have the right to object to the processing of your information if the processing is carried out on a legal basis other than consent; (iii) you have the right to learn if your information is being processed by us, obtain disclosure regarding certain aspects of the processing and obtain a copy of the information undergoing processing; (iv) you have the right to verify the accuracy of your information and ask for it to be updated or corrected; (v) you have the right, under certain circumstances, to restrict the processing of your information, in which case, we will not process your information for any purpose other than storing it; (vi) you have the right, under certain circumstances, to obtain the erasure of your personal information from us.
You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back up our systems to protect information from inadvertent loss means that a copy of your information may exist in a non-erasable form that will be difficult or impossible for us to locate. Promptly after receiving your request, all personal information stored in databases we actively use, and other readily searchable media will be updated, corrected, changed, or deleted, as appropriate, as soon as and to the extent reasonably and technically practicable.
Privacy of Children
We do not knowingly collect any personal information from children under the age of 18. If you are under the age of 18, please do not submit any personal information through the website and services. We encourage parents and guardians to monitor their children's Internet usage and instruct their children never to provide personal information through websites and services without their permission. If you have reason to believe that a child under the age of 18 has provided personal information to us through the website and services, please contact us. You must also be old enough to consent to the processing of your personal information in your country (in some countries we may allow your parent or guardian to do so on your behalf).
Links to Other Websites
This Privacy Policy applies only to the website services owned by CPA Insurance Plans West. The services may contain links to other websites not operated or controlled by us. We are not responsible for the content, accuracy, or opinions expressed in such websites, and such websites are not investigated, monitored, or checked for accuracy by us. Please remember that when you use a link to go from the services to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on or to our platform, is subject to that website’s policies. Such third parties may use cookies or other methods to collect information about you.
Payment Details
Your personal and financial information will only be used to facilitate the financial transactions that you have approved. We may use your information to verify your identity, to protect against fraud, and to comply with legal and regulatory requirements. We partner with third-party providers to facilitate preauthorized debit and credit card transactions. Our third-party providers are contractually obligated to keep your information secure and confidential and are only allowed to use your information in accordance with our instructions and for the agreed-upon purposes. We maintain physical, electronic, and procedural safeguards to protect your personal information from unauthorized access, use, modification, or disclosure. Our security practices are continually reviewed and enhanced as necessary.
Data Breach
In the event that we become aware that the security of the website and services has been compromised or personal information has been disclosed to unrelated third parties as a result of external activity, including, but not limited to, security attacks or fraud, we reserve the right to take reasonably appropriate measures, including, but not limited to, investigation and reporting, as well as notification to and cooperation with law enforcement authorities. In the event of a data breach, we will make reasonable efforts to notify affected individuals if we believe that there is a reasonable risk of harm to the user as a result of the breach or if notice is otherwise required by law.
Changes and Amendment
We reserve the right to modify this Privacy Policy or its terms relating to the website and services from time to time at our discretion and will notify you of any material changes to how we treat personal information. When we do, we will revise the updated date at the bottom of this page. Any updated version of this Privacy Policy will be effective immediately upon the posting of the revised Privacy Policy unless otherwise specified.
Governing Law
This Privacy Policy is governed by the laws of Canada without regard to its conflict of laws provision. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy except for those individuals who may have rights to make claims under Privacy Shield, or the Swiss-US framework.
The laws of Canada, excluding its conflicts of law rules, shall govern this Agreement and your use of the website. Your use of the website may also be subject to other local, state, national, or international laws.
By using CPA Insurance Plans West or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not engage with our website, or use our services. Continued use of the website, direct engagement with us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will mean that you accept those changes.
Contact Us
Don't hesitate to contact us if you have any questions.
This document was last updated in March 2024.