Logging into You Universe on JMHIGroup.ca and cookies
When you log into the Website using Your Universe portal, our server will issue a cookie to your computer. Cookies are required for logging into the portal. By logging out of the portal, the cookie will be removed from your browser. The purpose of the cookie is to identify you as an authorised user which will allow you to access certain areas of the portal and enable you to use enhanced functionality such as registering for e-Alerts. These cookies contain a unique ID so that we can identify you and provide you with a customised user interface. The cookies do not contain any personal information.
What are cookies?
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You have the opportunity to configure your browser to accept/reject cookies or to notify you when a cookie was issued. Rejecting cookies, however, means that certain personalised services on the Website cannot be provided to you.
Please refer to your computer operating system user manuals for more information on how to disable and delete cookies.
We are committed to providing our clients with excellent service and insurance solutions. Doing business with an insurance broker, whether for personal or commercial insurance, involves providing information about yourself, so protection of your personal information is one of our highest priorities.
Canadians are protected by two federal privacy laws, the Privacy Act and the Personal Information Protection and Electronic Documents Act (PIPEDA). PIPEDA is based on the Canadian Standards Association's Model Code for the Protection of Personal Information, which is incorporated into the legislation.
Our insurance brokerage and the entire insurance industry have a solid track record of respecting your right to privacy and safeguarding 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 as we strive to provide you with the best possible insurance coverage solution.
This Privacy & security Policy outlines JMHI's responsibilities and commitments to protect your personal information. In particular, the Policy addresses:
Federal legislation known as the Personal Information Protection and Electronic Documents Act and similar provincial legislation ("privacy legislation") govern JMHI's collection, use and disclosure of personal information. JMHI has practices and procedures that satisfy the standards set out in privacy legislation.
In accordance with privacy legislation, JMHI follows ten Fair Information Principles.
III. What is "Personal Information"?
Personal information is defined in legislation as information about an identifiable individual, excluding the name, title, business address or telephone number of an employee of an organization. Some examples of personal information JMHI may collect include but are not limited to:
We may obtain this information from:
IV. When and Why JMHI Collects Personal Information
V. How JMHI Uses and Discloses Personal Information
JMHI uses and discloses the personal information collected for various purposes:
Additional examples of JMHI's use and disclosure of personal information are provided below.
JMHI may verify the accuracy of information provided on any application for insurance. For example, JMHI may check driving records or claims history. Where the information is incorrect, JMHI may decline the application for insurance. Also, as part of the underwriting and claims handling process, JMHI transfers personal information to other insurance companies to verify the accuracy of information provided in the application for insurance or to help identify insurance fraud.
Unfortunately insurance fraud is a reality that leads to higher insurance premiums for everyone. Where circumstances suggest a false or misrepresented claim or policy application, we will conduct a careful investigation that adheres to legal and other guidelines. Such verification and investigation are in the best interest of all consumers as it operates as a check on the accuracy of information, helps identify and prevent fraud and ensures that policyholders pay the appropriate premium based on the risk they represent.
When a claim arises, JMHI uses personal information to help investigation of the claim, assess damages and ensure an appropriate payment is made. If there is a lawsuit, JMHI may need to share personal information with the insurance company's legal counsel. JMHI may use your personal information to conduct a satisfaction survey following a claim, to ensure we meet our high standards of customer service.
JMHI may use personal information to help insurance companies conduct statistical studies on information pertaining to groups of policyholders to improve our understanding of claim trends, price adequacy and financial results and forecasts. JMHI may also use aggregate data to help insurance companies conduct statistical studies. For example, we may help analyze claims data to determine the proportion of accidents involving vehicles in one area compared to another.
JMHI is required by various provincial statutes to provide information regarding automobile applications, claims and premiums to provincial insurance regulators or to an appointed statistical agency. Such data is used by regulators to conduct statistical studies and research. This provides regulators with a better understanding of consumers' experiences with insurance.
JMHI may transfer your information to service providers who may process or store your information in the United States. JMHI remains accountable for your information and measures are taken to ensure service providers meet stringent security and confidentiality requirements, however, such information is subject to the laws of the United States and may be accessible to law enforcement and national security authorities of the United States.
In order to protect your personal information and right to privacy, we will:
JMHI never sells personal information, or other information relating to you, to any organization, including charities or direct marketing groups.
VII. Requests to Access Your Personal Information
You may request access to your personal information that has been collected, used or disclosed by JMHI. To do so, please contact the Privacy Officer by letter or e-mail at the addresses set out below. Access requests must be in writing. We will reply to your request within 30 days.
Please note that email is not a secure mode of communication. For security reasons, do not include sensitive or confidential information in any email message.
Please note that JMHI may charge reasonable costs in providing access to and copies of personal information and will inform you if such costs arise.
JMHI may refuse an access request in situations where:
VIII. For Further Information
This Privacy & Security Policy sets out JMHI's commitment to safeguarding your personal information. The examples clarify JMHI's practices with respect to the collection, use and disclosure of personal information, however, they do not represent a complete list of circumstances in which JMHI collects, uses and discloses information to administer insurance policies.
JMHI may update its Privacy & Security Policy to adhere to changes in legislation or to improve service to our policyholders. Please refer to our website for the current Privacy & Security Policy or contact JMHI's Privacy Officer.
If you would like more information regarding JMHI's Privacy & Security Policy and practices, please do not hesitate to contact the Privacy Officer.
Address: JMHI Insurance Group
550 Richmond Street
ATTN: Privacy Officer
If JMHI's Privacy Officer does not resolve a Privacy & Security issue to your satisfaction, you may file a complaint with the Privacy Commissioner of Canada by writing to:
Privacy Commissioner of Canada
112 Kent Street
Place de Ville
Tower B, 3rd Floor
VIIII. Additional Information
For a copy of the Personal Information Protection and Electronic Documents Act, please contact the Privacy Commissioner of Canada web site at www.priv.gc.ca
For copies of the CSA Model Code for the Protection of Personal Information contact:
Canadian Standards Association
5060 Spectrum Way
For more information on the CSA Model Code visit the CSA Web Site at www.csa.ca/cm/ca/en/search
To print a copy of this document, click here.