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Privacy Policy

MD Marine Insurance is committed to protecting your privacy and the confidentiality of your personal information. To comply with privacy legislation, we have developed this Privacy Policy. Any personally identifiable information about a customer* is considered personal information (“Personal Information”) and will be treated in accordance with this Privacy Policy.

Identified Purposes

MD Marine Insurance only collects, uses, and discloses Personal Information for the following purposes:

  • verify your identity and property;
  • serve you better and communicate effectively with you;
  • set up, manage and offer products or services that meet your needs;
  • determine your eligibility or suitability for our products or services;
  • manage, assess and underwrite insurance risks;
  • determine prices, fees and premiums;
  • investigate, adjust and settle insurance claims;
  • promote and market products and services offered by us, our affiliates, or our strategic partners;
  • conduct market research;
  • recognize and deliver relevant ads to you on our and third-party websites and apps;
  • verify and provide information to and compile statistics for insurance industry databases;
  • report to regulatory or industry entities consistent with prudent and legally required insurance industry practices, including claims history;
  • detect, prevent and suppress fraud, unauthorized, or illegal activities;
  • comply with all applicable laws, including tax requirements;
  • share your information with third party service providers for external processing such as data or payment processing;
  • conduct research and development in order to design, operate, enhance, and administer the products and services we provide;
  • share your information among our affiliates for any of the above purposes.

Your personal information will sometimes be processed through an automated system, such as our online insurance quote tool. These products and services may use technologies that process the information you provide to assess certain characteristics about you, such as your preferences, interests, or behaviour, and offer you personalized insurance services. We are confident that our use of automated processing will allow for quick and individualized assistance to all of your inquiries.

In this Privacy Policy, the above list of identified purposes will be referred to as the “Identified Purposes”.

Consent

Your knowledge and consent of MD Marine Insurance’s collection use and disclosure of your Personal Information is critical. We rely on the following actions by you as indications of your consent to our existing and future Personal Information practices:

  • Your voluntary provision of Personal Information directly to MD Marine Insurance or through an insurance broker or representative for acquiring an insurance contract or financial service or product (including information previously provided to MD Marine Insurance).
  • Your express consent or acknowledgement contained within a written, verbal, or electronic application process;
  • Your consent solicited by MD Marine Insurance for a specified purpose;
  • Your receipt of this Privacy Policy, until you notify MD Marine Insurance of a withdrawal of this consent; or
  • Your consent given through your authorized representative such as a legal guardian, agent, or holder of a power of attorney.

Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw this consent at any time. MD Marine Insurance will inform you of the consequences of withdrawing your consent. In some cases, refusing to provide certain Personal Information or withdrawing consent for MD Marine Insurance to collect, use or disclose your Personal Information could mean that we cannot provide you with insurance coverage or other requested products, services, or information.

If you wish to withdraw your consent to be notified of marketing initiatives, please call us at 1-877-627-4633.

Accuracy

MD Marine Insurance will maintain your Personal Information as accurate, complete, and up-to-date as is necessary for the Identified Purposes.

Safeguard

MD Marine Insurance will protect your Personal Information by security safeguards appropriate to the sensitivity of the information. Safeguards will vary depending on the sensitivity, format, location, and storage of the Personal Information.

Accountability, Openness & Customer Access

MD Marine Insurance is responsible for all Personal Information under its control and has designated a Privacy Officer who is a partner of MD Marine Insurance. If you have any questions about this Privacy Policy or your Personal Information, please call us at 1-877-627-4633.

When you call us, we may confirm your identity by asking you to confirm certain Personal Information and you may be directed to send us certain requests in writing.

Limiting Collection & Retention of Personal Information

MD Marine Insurance will only collect, use, or disclose Personal Information that is necessary for the Identified Purposes or as required by law. If we require Personal Information for any other purpose, you will be notified of the new purpose, and subject to your consent, that new purpose will become an Identified Purpose.

MD Marine Insurance will only collect Personal Information by fair and lawful means.

We will retain Personal Information only as long as is necessary for the fulfillment of the Identified Purposes.

Challenging Compliance

If you are not satisfied with MD Marine Insurance’s response to a privacy related inquiry or complaint, you may contact the Office of the Privacy Commissioner of Canada during business hours at 1-800-282-1376 or at www.privcom.gc.ca.