Privacy Policy

 

CPA Insurance Plans West (CPAIPW, “we,” “our,” or “us”) acts as a benefit administrator.  Coverage is a contractual agreement between you and the master policy holder. CPAIPW also collaborates with external financial security firms in order to offer you the product best suited to your needs. 

CPAIPW 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 application, CPAIPW Customer Portal. By accessing or using our Service, 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 Policy is a legally binding agreement between you (“User”, “you” or “your”) and CPA Insurance Plans West (“CPA Insurance Plans West”, “CPAIPW,” “we”, “us” or “our”). By accessing and using the Website and Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. This 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. 

 

Definitions and key terms 

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, are strictly defined as: 

  -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information. 

  -Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to CPA Insurance Plans West, (102-15511 123 Ave, Edmonton, Alberta T5V 0C3) that is responsible for your information under this Privacy Policy. 

  -Country: where CPA Insurance Plans West or the members of CPA Insurance Plans West are based, in this case is Canada 

  -Customer: refers to the company, organization or person that signs up to use the CPA Insurance Plans West Service to manage the relationships with your consumers or service users. 

  -Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit CPA Insurance Plans West and use the services. 

  -IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often be used to identify the location from which a device is connecting to the Internet. 

  -Personnel: refers to those individuals who are employed by CPA Insurance Plans West or are under contract to perform a service on behalf of one of the parties. 

  -Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person. 

  -Service: refers to the service provided by CPA Insurance Plans West as described in the relative terms (if available) and on this platform. 

  -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you. 

  -Website: CPA Insurance Plans West site, which can be accessed via this URL: www.cpaipw.ca and www.app.cpaipw.ca 

  -You: a person or entity that is registered with CPA Insurance Plans West to use the Services. 

  

What Information Do We Collect? 

You can access and use the Website and Services without telling us who you are or revealing any information by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the features on the Website, you may be asked to provide certain Personal Information (for example, your name and e-mail address). We receive and store any information you knowingly provide to us when you create an account, or fill any online forms on the Website. 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 user name, unique user ID, password, etc. 

Payment information such as credit card details, bank details, etc. 

Information about other individuals such as your family members, friends, etc. 

Information related to your health, such as your family history or smoking habits, in order 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, in order to get to know you well and thus 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 sources such as public databases and our joint marketing partners. You can choose not to provide us with your Personal Information, but then you may not be able to take advantage of some of the features on the Website. Users who are uncertain about what information is mandatory are welcome to contact us. 

 

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:  

–Build and manage our relationship with you  

-To personalize your experience (your information helps us to better respond to your individual needs) 

  -To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) 

  -To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) 

– Carry out development and research to ensure that we maintain the highest standard of security and to understand our customers’ requirements in order to improve our offer 

– to meet a legal obligation 

– Create and manage user account  

  -To process transactions 

– Request customer feedback 

– Post customer testimonials 

  -To administer a contest, promotion, survey or other site feature 

  -To send periodic emails 

If you do not provide the information that we request, we may not be able to provide you with the requested products or services.  

Processing your Personal Information depends on how you interact with the Website and Services, where you are located in the world and if one of the following applies: (i) you have given your consent for one or more specific purposes; this, however, does not apply, whenever the processing of Personal Information is subject to European data protection law; (ii) provision of information is necessary for the performance of an agreement with you and/or for any pre-contractual obligations thereof; (iii) processing is necessary for compliance with a legal obligation to which you are subject; (iv) processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in us; (v) processing is necessary for the purposes of the legitimate interests pursued by us or by a third party. 

Note that under some legislations we may be allowed to process information until you object to such processing (by opting out), without having to rely on consent or any other of the following legal bases below. In any case, we will be happy to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract. 

 

When does CPA Insurance Plans West use end user information from third parties? 

CPA Insurance Plans West will collect End User Data necessary to provide the CPA Insurance Plans West services to our customers. 

End users may voluntarily provide us with information they have made available on social media websites. If you provide us with any such information, we may collect publicly available information from the social media websites you have indicated. 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 receive some information from the 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 customer, we receive information from a third party that provides automated fraud detection services to CPA Insurance Plans West. We also occasionally collect information that is made publicly available on social media 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, partners, and others who provide our content or whose products or services we think may interest you. 

We have obtained your consent to do so; 

– You wish to purchase insurance or obtain one of our products: In which case, we transmit the following information to our partners, including Desjardins Financial Services and Canada Life and software Oliver. 

– All the information you provided when you submitted your application; 

– The ID validation photo as well as the number of the ID document; 

– The information on the product you have selected; 

– A file containing a transcript of your conversation with the advisors as well as the metadata associated with each message (time, date, IP address, browser and device used); 

In order to enable the functionality of our Sites; 

A securities regulator or any other regulatory body has required it; 

We are required or permitted to do so by law. 

In addition, as mentioned in the section “How We Use Your Personal Information”, we may share anonymized data. 

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, e-mail 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 for us and for you. 

We may share 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 and our advertisers 

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 in order to respond to claims, legal process (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.  

 

Managing information 

You are able to delete certain Personal Information we have about you. The Personal Information you can delete may change as the Website and Services change. When you delete Personal Information, however, we may maintain a copy of the unrevised Personal Information in our records for the duration necessary to comply with our obligations to our affiliates and partners, and for the purposes described below. If you would like to delete your Personal Information or permanently delete your account, you can do so by contacting us. 

 

Where and when is information 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 the Website and Services, pages of the Website and Services that you visit, the time spent on those pages, 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 such a way that would identify any particular user of the system. 

CPA Insurance Plans West will collect personal information that you submit to us. We may also receive personal information about you from third parties as described above. 

  

How Do We Use Your Email Address? 

By submitting your email address on this website, you agree to receive emails from us. You can cancel your participation in any of these email lists at any time by clicking on the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails, because we hate spam as much as you do. By submitting your email address, you also agree to allow us to use your email address for customer audience targeting on sites like Facebook, where we display custom advertising to specific people who have opted-in to receive communications from us. Email addresses submitted only through the order processing page will be used for the sole purpose of sending you information and updates pertaining to your order. If, however, you have provided the same email to us through another method, we may use it for any of the purposes stated in this Policy. Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email. 

 

How Long Do We Keep Your Information?  

We keep your information only so long as we need it to provide CPA Insurance Plans West to you and fulfill the purposes described in this policy. This is also the case for anyone that we share your information with and who carries out services on our behalf. When we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory obligations, we’ll either remove it from our systems or depersonalize it so that we can’t identify you. 

 

How Do We Protect Your Information?  

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit 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/or administrative safeguards and security measures have been put in place and are maintained to prevent: 

Any accidental or unlawful destruction; 

Any accidental loss; 

Any unauthorized disclosure; 

Unauthorized modification; 

Unauthorized access; and 

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 of goods and services having access to personal information sign confidentiality agreements and 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. 

 

Is the information collected through the CPA Insurance Plans West Service secure? 

We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your personal information, we cannot guarantee its absolute security. If applicable law imposes any non-disclaimable duty to protect your personal information, you agree that intentional misconduct will be the standards used to measure our compliance with that duty. 

  

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 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; (vii) you have the right to receive your information in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that your information is processed by automated means and that the processing is based on your consent, on a contract which you are part of or on pre-contractual obligations thereof. 

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. 

If you are an end user and wish to update, delete, or receive any information we have about you, you may do so by contacting the organization of which you are a customer. 

 

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 legal guardians to monitor their children’s Internet usage and to help enforce this Policy by instructing their children never to provide Personal Information through the Website 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). 

 

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 have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. To learn more about cookies and how to manage them, visit internetcookies.org 

 

Chat tool 

‍In connection with the use of the chat support tool, CPAIPW offers you online services through an advisor who may, if necessary, ask for and collect information about you. This information establishes your identity and also allows you to benefit from the services that are available through this tool and that are best suited to your needs. 

 

Affiliates 

We may disclose information (including personal information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, “Corporate Affiliate” means any person or entity which directly or indirectly controls, is controlled by or is under common control with CPA Insurance Plans West, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy. 

 

Email marketing 

We offer electronic newsletters to which you may voluntarily subscribe at any time. We are committed to keeping your e-mail address confidential and will not disclose your email address to any third parties except as allowed in the information use and processing section or for the purposes of utilizing a third party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations. 

In compliance with the CAN-SPAM Act, all e-mails sent from us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting us. However, you will continue to receive essential transactional emails. 

 

Links to Other Websites 

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by CPA Insurance Plans West. 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 or completeness 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 our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you. 

 

Payment Details 

In respect to any credit card or other payment processing details you have provided us, we commit that this confidential information will be stored in the most secure manner possible. 

 

Cookies 

CPA Insurance Plans West uses “Cookies” to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies. 

 

Blocking and disabling cookies and similar technologies 

Wherever you’re located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser’s help menu for more information. 

 

Remarketing Services 

We use remarketing services. What Is Remarketing? In digital marketing, remarketing (or retargeting) is the practice of serving ads across the internet to people who have already visited your website. It allows your company to seem like they’re “following” people around the internet by serving ads on the websites and platforms they use most. 

  

Facebook Pixel 

Facebook pixel is an analytics tool that allows you to measure the effectiveness of your advertising by understanding the actions people take on your website. You can use the pixel to: Make sure your ads are shown to the right people. Facebook pixel may collect information from your device when you use the service. Facebook pixel collects information that is held in accordance with its Privacy Policy 

  

Tracking Technologies 

  -Google Maps API 

  Google Maps API is a robust tool that can be used to create a custom map, a searchable map, check-in functions, display live data synching with location, plan routes, or create a mashup just to name a few. 

  Google Maps API may collect information from You and from Your Device for security purposes. 

  Google Maps API collects information that is held in accordance with its Privacy Policy 

  -Cookies 

  We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. 

  -Sessions 

  CPA Insurance Plans West uses “Sessions” to identify the areas of our website that you have visited. A Session is a small piece of data stored on your computer or mobile device by your web browser. 

 

Data breach 

In the event we become aware that the security of the Website and Services has been compromised or users 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. When we do, we will send you an email. 

 

Third-Party Services 

We may display, include or make available third-party content (including data, information, applications and other products services) or provide links to third-party websites or services (“Third- Party Services”). 

You acknowledge and agree that CPA Insurance Plans West shall not be responsible for any Third-Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. CPA Insurance Plans West does not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services. 

Third-Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at your own risk and subject to such third parties’ terms and conditions. 

 

Changes and amendments 

We reserve the right to modify this Policy or its terms relating to the Website and Services from time to time in our discretion and will notify you of any material changes to the way in which we treat Personal Information. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways in our discretion, such as through contact information you have provided. Any updated version of this Policy will be effective immediately upon the posting of the revised Policy unless otherwise specified. Your continued use of the Website and Services after the effective date of the revised Policy (or such other act specified at that time) will constitute your consent to those changes. However, we will not, without your consent, use your Personal Information in a manner materially different than what was stated at the time your Personal Information was collected. 

 

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. 

 

Your Consent 

We’ve updated our Privacy Policy to provide you with complete transparency into what is being set when you visit our site and how it’s being used. By using our website, registering an account, or making a purchase, you hereby consent to our Privacy Policy and agree to its terms. 

 

Contact Us 

Don’t hesitate to contact us if you have any questions. 

 -Via Email:  info@cpaipw.ca 

 -Via Phone Number:  +1 800 661 6430 

 -Via this Link:  https://www.cpaipw.ca/ 

 -Via this Address: 102-15511 123 Ave, Edmonton, Alberta T5V 0C3 

 

This document was last updated on January 11, 2021