Privacy Policy

Our Commitment to Your Privacy

Regal Insurance Brokers is committed to protecting your privacy and safeguarding the personal information you share with us. We have a long-standing reputation for treating client information with the utmost care, and we comply with all federal privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA). This policy explains why and how we collect, use, disclose, and protect your personal information—both in the course of our business and through our website (Site).

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.

Personal Information We Collect

Depending on how you interact with us, we may collect personal information such as:

Basic details such as your name, address, phone number, email, birth date, and marital status
Driver’s licence and driving record
Claims and payment history
Property details (e.g., home value, contents, safety features)
Vehicle, business, or farm details for underwriting purposes
Employment or income information when relevant to underwriting or claims
Medical information related to insurability or claim eligibility
Credit information (where applicable and with consent)

When visiting the website, we collect device information using the following technologies:

“Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
“Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
“Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Additionally, when you fill out our quoting form, we collect certain information from you, including your name, billing address, shipping address, payment information, email address, and phone number. We refer to this information as “Order Information.”
When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Order Information.

We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).

We may collect this information from:

You directly (in person, over the phone, or through forms)
Insurance companies, underwriters, and adjusters
Other brokers or agents
Credit organizations and financial institutions
Government and regulatory authorities (e.g., motor vehicle licensing)
Medical professionals or other relevant third parties

Why We Collect Personal Information

We collect and use your personal information to:

Obtain, renew, or service insurance policies on your behalf
Assess your ongoing needs and eligibility for insurance coverage
Help you with claims and provide ongoing client service
Verify information and prevent fraud or errors
Communicate with you about your coverage, renewals, or related services
Offer other insurance or financial products that may meet your needs (with consent)
Comply with legal, regulatory, or industry requirements

Disclosure of Personal Information

To serve your insurance needs, we may share your information with:

Insurance companies and managing general agents
Other licensed insurance brokers or agents
Claims adjusters, appraisers, and lawyers
Credit organizations or financial institutions (e.g., mortgagees)
Government agencies or regulators when required by law

We do not sell or trade your personal information. We disclose information only for legitimate business purposes, with your consent or as required by law.

Protecting Your Information

Regal Insurance Brokers maintains strict physical, electronic, and administrative safeguards to protect your personal information from unauthorized access, loss, or misuse. We will:

Collect, use, and disclose information only for identified purposes
Keep information only as long as necessary or required by law
Maintain information as accurate and up to date as possible
Respond promptly to any request to access or correct your information
Obtain your consent for collection, use, or disclosure unless otherwise permitted by law

Privacy and Internet Communication

While we take precautions to protect your information online, please be aware that data transmitted over the internet may not be fully secure. We recommend that sensitive personal information be shared with us directly through secure means (in person or by phone).

We also collect limited Device Information when you visit our website, including browser type, IP address, and pages visited. This data helps us improve the performance of our site and marketing communications.

We use technologies such as cookies and analytics tools (including Google Analytics) to understand visitor activity and enhance your online experience. You can disable cookies or adjust your preferences through your browser settings.

Consent

By engaging our brokerage services or using our website, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw your consent at any time, subject to legal or contractual restrictions.

Access and Correction

Upon request, you have the right to:

Know what personal information we hold about you
Understand how it has been used or disclosed
Request access to, or correction of, your personal information

We will respond to all inquiries promptly and do our best to resolve any concerns.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The most recent version will always be available on our website.

Contact Our Privacy Officer

Regal Insurance Brokers
Privacy Officer
428 Gage Avenue, Unit 2
Kitchener, ON N2M 5C9
Phone: 519-578-7170
Toll-Free: 800-516-6276
Email: mail@regalinsurance.com

You may also contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or visit www.priv.gc.ca for more information about federal privacy laws.