Welcome to MIB! We value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws in Ontario.

Personal information is collected based on the type of insurance you purchase, your selected payment method, and your preferred communication form. If additional drivers or household members are involved, we require the same information from each family member or your business’s employees. This information may include:

• Contact details (name, address, telephone number, email address)
• Date of birth
• Driver’s license and motor vehicle details, including information about lien/lease holders and prior accidents/traffic violations
• Banking information
• Credit card details and credit reports
• Mortgage holder details
• Motor vehicle and driver records
• Prior insurance and claims history

Your personal information is utilized to assist us in the following ways:

• Assess your coverage needs and evaluate risk
• Review your insurance application
• Communicate with you and respond to inquiries
• Detect and prevent fraud
• Review and process claims
• Provide information about products and services suited to your needs
• Provide information about products and services suited to your needs
• Comply with relevant federal, provincial, and territorial laws
• Compile statistical data

We believe in informed consent for the purposes of collection, use, and disclosure of your personal information. The form of consent may vary depending on the circumstances and the type of information sought. By providing information about additional household members and employees of your business, you confirm that they have consented to the collection, use, and disclosure of their personal information for processing your application, policy administration, and claim payments. We document your consent with your signature on a Client Consent Form, meeting guidelines outset by PIPEDA and our regulatory body, the Registered Brokers of Ontario (RIBO). You may withdraw consent to the use of your personal information at any time, subject to legal or contractual restrictions by contacting our privacy officer as outlined in the “Contact Us” section below.

Information gathered by brokers is to be held in the strictest confidence and is only ever referred to by insurers or staff underwriters. In limited circumstances we may disclose your personal information in the following circumstances:
To service providers and contractors who perform services on our behalf, such as payment processing, data analysis, and marketing services.
To comply with legal obligations or respond to lawful requests from government authorities.
In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against loss, theft, and unauthorized access. At My Insurance Broker we utilize forms of data encryption to ensure highest level of data privacy.

We retain your personal information only as long as necessary for the identified purposes and to meet legal obligations. When we destroy personal information, we use safeguards to prevent unauthorized access during or after the destruction process.

You have the right to access and correct your personal information held by us. To make a request, please contact us using the information provided in the “Contact Us” section below. We will respond to your request in a timely manner and in accordance with applicable laws.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you in case of any material changes by posting the revised policy on our website. Your continued use of our services after such changes constitutes your acceptance of the updated Privacy Policy.