At Stewart Morrison Insurance, we are dedicated to protecting and respecting your privacy and safeguarding the personal information you entrust to us.
We hold ourselves to the highest standards. Our privacy practices are based on our values of trust, integrity and respect, and they comply with relevant laws and regulations.
The following Statement of Privacy applies to all of our dealings and communications with you.
What Information We Collect
Personal information is information that identifies you as an individual client and relates specifically to you.
Personal Information We Collect
Depending on the purpose(s) for which we need to collect it, we may ask for:
- Basic information, such as your name, address, telephone and fax numbers, email address, birthdate and marital status
- Insurance claims history
- Credit and past payment records
- Driver’s record
- Details about your property, such as the value of your home and its contents
- Medical information, such as any condition that may affect the operation of a vehicle
- Employment information
Where We Get Your Information From
There are a number of sources from which we may access your personal information, including:
- Directly from you
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Motor vehicle and driver licensing authorities
- Financial institutions
- Medical professionals
Obtaining Consent or Determining if Consent Is Implied
- We may ask you for your express consent in writing, for example in a signed personal information consent form.
- We may ask for your express consent in person, over the telephone or in an email.
- We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner.
There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for collection, use or disclosure of your personal information. This could apply when there is an emergency situation, or if it is necessary for your protection or ours.
How We Use Your Information
Stewart Morrison Insurance collects and uses your personal information to operate the Stewart Morrison Insurance website and to deliver the services you have requested. Stewart Morrison Insurance also uses your personally identifiable information to inform you of other products or services available from Stewart Morrison Insurance and its affiliates. Stewart Morrison Insurance may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
Stewart Morrison Insurance does not sell, rent or lease its customer lists to third parties. Stewart Morrison Insurance may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (email, name, address, telephone number) is not transferred to the third party. In addition, Stewart Morrison Insurance may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Stewart Morrison Insurance, and they are required to maintain the confidentiality of your information.
Stewart Morrison Insurance does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
Stewart Morrison Insurance keeps track of the websites and pages our customers visit within Stewart Morrison Insurance, in order to determine what Stewart Morrison Insurance services are the most popular. This data is used to deliver customized content and advertising within Stewart Morrison Insurance to customers whose behaviour indicates that they are interested in a particular subject area.
Stewart Morrison Insurance websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to:
(a) conform to the edicts of the law or comply with legal process served on Stewart Morrison Insurance or the site;
(b) protect and defend the rights or property of Stewart Morrison Insurance; and,
(c) act under exigent circumstances to protect the personal safety of users of Stewart Morrison Insurance, or the public.
Sharing Your Information
In specific circumstances, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Professionals working with us such, as adjusters or lawyers
- Financial institutions, for example, the organization that carries your mortgage
Keeping Your Information Secure
Stewart Morrison Insurance secures your personal information from unauthorized access, use or disclosure. Stewart Morrison Insurance secures the personal identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure.
When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
The Stewart Morrison Insurance website’s primary intention is to be an informative tool. To further prevent unauthorized access to your personal data, this website and server does not store your personal data after transmission. If the website or server were to be compromised, your data would still be secure.
Accessing and Updating Your Information, or Changing Consent
It is your right to access your information, update your information or change your consent at any time. Please contact your Stewart Morrison Insurance broker if you:
- Wish to access your personal information.
- Wish to change your consent to the ways in which we may collect, use or disclose your personal information.
- Have a complaint about our privacy policies or the manner in which we’ve handled your personal information.
- Have any other questions or wish to request any additional information about our privacy policies, including if you wish to obtain a copy of our Personal Information Policy & Procedure Handbook.
If you do not have a Stewart Morrison Insurance broker, please email us with details of your request at email@example.com.
Information Collected Via the Internet
Stewart Morrison Insurance is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Stewart Morrison Insurance website and governs data collection and usage. By using the Stewart Morrison Insurance website, you consent to the data practices described in this statement.
How We Collect Personal Information via the Internet
Stewart Morrison Insurance collects personally identifiable information, such as your email address, name, home or work address or telephone number. We also collect anonymous demographic information, which is not unique to you, such as your postal code, age, gender, preferences, interests and favourites.
There is also information about your computer hardware and software that is automatically collected by Stewart Morrison Insurance. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Stewart Morrison Insurance for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Stewart Morrison Insurance website.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Stewart Morrison Insurance public message boards, this information may be collected and used by others. Note: Stewart Morrison Insurance does not read any of your private online communications.
Stewart Morrison Insurance encourages you to review the privacy statements of websites you choose to link to from Stewart Morrison Insurance so that you can understand how those websites collect, use and share your information. Stewart Morrison Insurance is not responsible for the privacy statements or other content on websites outside of the Stewart Morrison Insurance and Stewart Morrison Insurance family of websites.
The Stewart Morrison Insurance website uses “cookies” to help you 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.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize Stewart Morrison Insurance pages, or register with Stewart Morrison Insurance site or services, a cookie helps Stewart Morrison Insurance to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Stewart Morrison Insurance website, the information you previously provided can be retrieved, so you can easily use the Stewart Morrison Insurance features that you customized.
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. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Stewart Morrison Insurance services or websites you visit.
Cookies on our website are only valid for a 2-hour period. After that 2-hour period, you will be considered a new visitor. With cookies disabled, you will be considered a new visitor on every page load.
- Your “dedicated broker” will be remembered across pages
- Pages with important notice pop-ups will remember when they have been closed or acknowledged
Do you have any questions or concerns about our privacy policies or your personal information?