Privacy Policy

Last reviewed: October 9, 2025

About

Reliable Insurance Brokers Inc. (“Reliable,” “we,” “us,” or “our”) is committed to protecting the privacy and confidentiality of your personal information. We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

“Personal Information” means information about an identifiable individual, including but not limited to your name, address, contact information, date of birth, driving record, property details, employment or financial information, and any other information of a personal nature that you provide to us in the course of obtaining insurance services.

1. Accountability

Reliable Insurance Brokers Inc. is responsible for the Personal Information in its possession or control. We have appointed a Privacy Officer to ensure compliance with privacy laws and oversee all privacy-related matters within our organization.

All Reliable employees and representatives who handle Personal Information are accountable for following this policy and our internal privacy safeguards.

2. Identifying Purposes

Reliable collects, uses, and retains Personal Information for the following limited purposes:

  • To obtain and provide insurance quotations and related information from the insurance companies with which we do business;

  • To assess insurance needs and recommend appropriate coverage options;

  • To communicate with you regarding insurance products, applications, and renewals;

  • To manage our relationship with you as a client; and

  • To comply with legal and regulatory requirements.

We collect only the information necessary to accurately provide insurance quotations and services. We do not use your Personal Information for marketing, solicitation, or unrelated business purposes.

3. Consent

Reliable collects, uses, and retains your Personal Information with your knowledge and consent, except where otherwise required or permitted by law.

Consent may be:

  • Implied, when you provide information for the purpose of obtaining an insurance quotation or coverage; or

  • Express, when you authorize us to collect or share specific information.

You may withdraw your consent at any time, subject to legal or contractual restrictions. Please note that doing so may affect our ability to provide you with insurance quotations or related services.

4. Limiting Collection of Personal Information

Reliable collects only the Personal Information necessary to provide insurance quotations and related services. This information may include details such as your driving history, property information, prior insurance experience, or other relevant risk factors.

We collect information directly from you and, where necessary, from authorized third parties (such as insurance companies) for the sole purpose of providing quotations.

5. Limiting Use, Disclosure, and Retention

Reliable uses Personal Information only to provide insurance quotations and services through the companies we represent.

We do not share, sell, or otherwise disclose your Personal Information outside of our organization, except:

  • When required by law, regulation, or court order; or

  • With your express consent.

All Personal Information is retained only as long as necessary to fulfill the purpose for which it was collected or as required by applicable law. Once no longer needed, information is securely destroyed or anonymized.

6. Accuracy

Reliable takes reasonable steps to ensure that Personal Information is accurate, complete, and up to date for the purposes for which it is used. You are encouraged to notify us promptly if your information changes.

7. Safeguards

Reliable protects Personal Information using security safeguards appropriate to its sensitivity. These include:

  • Physical safeguards: Secure office spaces and locked file storage;

  • Organizational safeguards: Limited access to authorized personnel only;

  • Technological safeguards: Password-protected systems and encrypted electronic data storage.

While we take precautions to protect your information, electronic communication (e.g., email or online forms) involves inherent risk. You use these channels at your discretion.

8. Openness

Reliable is transparent about its privacy practices. This policy outlines:

  • The types of information we collect;

  • How we use and protect that information; and

  • How to contact us regarding privacy matters.

This policy may be updated periodically to reflect legal or operational changes. The latest version will always be available on our website. Continued use of our services following updates indicates your consent to the revised policy.

9. Individual Access

Upon written request, you may access your Personal Information held by Reliable and request corrections if necessary.

To make an access or correction request, please contact our Privacy Officer using the details below. Reasonable administrative fees may apply for extensive requests. Reliable may deny access in limited circumstances permitted by law, such as where disclosure would reveal personal information about another individual or confidential commercial information.

10. Challenging Compliance

If you have a concern or complaint regarding Reliable’s handling of Personal Information, please contact:

Privacy Officer
Reliable Insurance Brokers Inc.
tsmith@reliablebrokers.ca

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada or your provincial privacy commissioner, if applicable.