Privacy policy

Responsibility

Karma Insurance is responsible for protecting personal information in its possession or under its care. Karma Insurance has, therefore, adopted a policy on protecting personal information and designated a person in charge of making sure that appropriate protective measures are taken and that all related legislation is adhered to.

1. Personal Information

Personal information is any information which relates to a natural person and allows that person to be identified. This includes the name, age, sex, address, income, financial information and medical information.

Personal information can be stored in many forms, be it written, graphic, taped, filmed, computerized or other.

2. Purpose of Collecting Information

When you submit an insurance proposal to us, it contains a number of personal information that will allow us to decide whether to accept or refuse the protection requested.

Subsequently, other personal information may be required to enable us to review any request to change your coverage. As part of our business, the personal information we receive can be used for many different purposes.

However, regardless of what we intend to do with this information, and unless otherwise required by law, you will be properly informed and your consent will always be required. Only the necessary information will be collected, and will be retained only for the time required to fulfill the objectives that have been expressed to you.

3. Consent

We request consent to collect, use or share personal information. Consent can be written, verbal, electronic and even implicit.

Consent must be manifest, free and enlightened, and must be given for specific purposes.

Anyone can, at any time, withdraw consent, subject to legal or contractual restrictions.

Withdrawing or refusing to disclose personal information could restrict access to insurance coverage, delay treatment of claims, etc. Also, insurance applications submitted online may be refused if personal information is not disclosed.

Please note that, in keeping with the related laws, Karma Insurance may, without the consent of the person concerned, communicate personal information contained in a file it holds on that person, specifically, to its attorney, the Attorney General, certain public or government bodies and other authorities authorized to collect this information.

4. Limitations on Collecting, Using and Sharing Information

For companies and authorized mandataries and service providers, access to personal information is granted only to people who require it in order to carry out their duties.

Karma Insurance does not collect or use personal information it holds for any purposes other than which it was intended.

Karma Insurance only keeps personal information for the necessary length of time and mainly uses this information to update products or services and comply with legal requirements.

When destroying personal information, we take the precautionary measures necessary to keep any third party from gaining access to information during the destruction process.

5. Accuracy

We take reasonable measures to ensure, as much as possible, that information collected, used or communicated is accurate, complete and up-to-date when used.

6. Responsibility

In its day-to-day operations, Karma Insurance may communicate and share personal information with third parties working for or in cooperation with the company. Karma Insurance ensures that these communications comply with privacy rules.

7. Security Measures

Karma Insurance takes proper security measures to ensure the privacy of personal information it holds.

It takes reasonable measures to establish a secure connection to your web browser.

Karma Insurance has an IT security protocol containing the components needed to ensure protection of personal information. It is regularly reviewed for any part that could affect information security.

8. Right of Access and Rectification

When Karma Insurance holds personal information on a natural person, that person has the right to request confirmation of this and to ask the company to communicate this information to him or her, all of which is subject to the exceptions provided for under the law.

The person in question can contest the accuracy or completeness of the personal information in his or her file and ask that it be rectified.

A request to access or rectify information can only be considered if submitted in writing and if proof of identity is provided by the concerned person or his or her representative, heir, successor, estate administrator, life insurance beneficiary or legal guardian.

Karma Insurance can temporarily refuse a person access to his or her file if there is reason to believe that consultation would result in serious harm to the person’s health. We must, therefore, offer the concerned person the possibility of designating a health care professional of his or her choice to receive communication of the information and communicate the information to such physician.

9. Complaints, Information and Suggestions

We care about responding to every question and concern and reviewing complaints related to the management of personal information. Our staff or, for complaints, the contact person identified below, is here to help.

10. Person in Charge of the Protection of Personal Information

To ensure adequate and equal consideration of each request in keeping with the information provided above, all access and rectification requests must be sent in writing to the person in charge of the protection of personal information, at :

Mrs. Louise Mathieu
Vice President – Insurers Relations and Compliance
700-3400 Blvd de Maisonneuve O
Montreal, QC, H3Z 0A5
Email : complaints@karmainsurance.ca
Telephone : 1-877-587-7437, ext. 12056

Note

Limitation of Liability :

The Karma Insurance website contains secure and non-secure sections. Inherent in the use of the Internet and Internet-related technologies are certain risks that information you supply, including, but not limited to, personal data, may be disclosed.

Considering the current state of technology, Karma Insurance cannot totally guarantee the privacy of information sent over the Internet. You therefore acknowledge that Karma Insurance and its suppliers are not liable for damages or harm that may result, directly or indirectly, from a breach of privacy of information sent over the Internet to Karma Insurance.

Also, you acknowledge that the use of your user name and password constitutes your legal signature and that it is your responsibility to ensure they are protected at all times.