Privacy Policy

Effective Date: April 4, 2025
‍

Introduction

The insurance products offered on this website are underwritten by Canadian Premier Life Insurance Company, operating as Securian Canada (“Securian Canada”). Securian Canada’s digital insurance solutions are powered by PolicyMe Corp. (“PolicyMe”).

In order to administer insurance products purchased through this website, Securian Canada collects, uses and discloses certain personal information. By using the website, you consent to the collection, use and disclosure of your personal information in accordance with Securian Canada’s Privacy Statement.

In order to facilitate the offering of these insurance products, PolicyMe also collects, uses and discloses certain personal information. By using the website, you consent to the collection, use and disclosure of your personal information by PolicyMe in accordance with the Privacy Policy below. You also acknowledge that PolicyMe may share certain personal information with Securian Canada in order to permit Securian Canada to administer insurance products offered and sold through this website.

If you are a Quebec resident, you also acknowledge that your personal information may be disclosed or transferred outside Quebec.

This policy describes the manner in which PolicyMe Corp. (“we”, “us” or “our”) collects, uses, discloses and otherwise treats information about identifiable individuals and information which can be used to identify an individual ("Personal Information"). that is collected through our website and our application, including all subpages and successor pages (collectively referred to as the “Website”) as well as through other interactions with our Prospective Clients and Clients (as defined below). 

By using the Website, you hereby consent to the collection, use and disclosure of your Personal Information in accordance with this Privacy Policy. This Privacy Policy must be accepted by the Prospective Client or Client, before submitting an application for insurance. Please make sure to read our Terms of Use as it supplements and forms part of this Privacy Policy. This Privacy Policy will continue to apply for as long as we hold your information, including after the termination of any of your products or services with us. 

If your application for insurance coverage is accepted and you purchase coverage, you will be provided with the applicable insurance contract, the terms of which will govern the specific insurance which you have purchased (a “Purchased Coverage”).

We may change this Privacy Policy at any time, and your continued use of our Website indicates your agreement to the revised terms. Accordingly, you should review this Privacy Policy from time to time to keep informed of such amendments. The most recent date of revision will be indicated prominently at the top of the Privacy Policy. 
‍

Definitions

• Website Visitor: any individual who accesses the Website for any purpose.
• Prospective Client: any individual who submits an application for insurance through us.
• Client: any individual who purchases insurance through us.
  ‍

What Personal Information Do We Collect?

Depending on how you interact with the Website, we may collect the following personal information about you, which we have grouped as follows:

• Identity data, which may include first name, last name, title, gender, or date of birth.
• Contact data, which may include address, email address, and phone numbers.
• Profile data, which may include purchases made by you, customer service requests, your interests, preferences, feedback and survey responses; and preferences in receiving marketing and non-marketing communications from us.
• Medical information, which may include diagnoses, medications, treatments, and paramedical results. This may also include information about members of your extended family.
• Lifestyle information, which may include your habits, hobbies, driving history, and travel plans.
• Beneficiary information, which may include your spouse’s, children’s or dependents’ names, ages and contact information, when designating beneficiaries while applying for life insurance coverage.
• Payment information, which may include cardholder name and card details.
• Financial information, which may include annual income, details related to your net worth, details relating to your current insurance coverage, credit score, and your place of employment
• Insurance information, which may include disclosures and results from other insurance applications (even if from another insurer) 
• Transaction data, which includes details about payments to and from you and other details of products and services you have purchased from us.
• Website technical data, which includes the following information if you use our online portal and services: Internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and the ways in which you use or interact with our online portal and services.
• Communication information, which may include audio, electronic, or visual information, any data in any files uploaded, emailed or otherwise provided by you, the contents of your communications with us, whether via e-mail, social media, telephone or otherwise, and inferences we may make from other personal information we collect.
  ‍

How Do We Collect Your Personal Information?

We may collect your personal information from the following sources:

1. Directly From You: For example, if you complete a needs assessment or apply for insurance coverage. This also includes any communications with you either written or verbal.
2. From Third Parties: We may also use third-party services to supplement or enrich our understanding of our customers. This includes cross-referencing information like a name, address, date of birth, country of origin, email address or IP address in third-party databases (such as the Medical Information Bureau), and using the information there to improve our understanding of you. This may also include your authorized representatives, health care services and practitioners (such as Dynacare), service partners (such as referral partners that direct you to our Website), public sources such as government agencies and internet searches, and other insurance companies who you have authorized to share recent application information with us, and other third parties who you have authorized to share information with us.
3. Through Marketing Communications: From time to time, we may obtain your consent to send you email, SMS text messages and other communications about our, products, services, or events that may be of interest to you. You can opt-out of receiving marketing and promotional email from us by following the unsubscribe instructions contained in each of our email communications.
4. Through Cookies and Other Online Tracking Technologies: 
   
   • Cookies are files with small amounts of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer’s hard drive. We may use “cookies” to collect information and remarket to you. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. We may use cookies and other tracking technology to help us remember and process your product choices, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about the Site’s traffic and interaction so that we can offer better experiences and tools in the future. We may also use these technologies to provide you with enhanced online display advertising tailored to your interests.
   • Tracer Tags & Web Beacons: The Website may also use a technology called “tracer tags” or “web beacons”. This technology allows us to understand which pages you visit on the Website. These tracer tags are used to help us optimize and tailor the Website for you and future visitors to the Website.
   • Website Analytics: We may use third parties to help us gather and analyze information about the areas visited on the Website in order to better understand, evaluate and improve the user experience and the convenience of the Website.
     ‍

How and Why Do We Use Personal Information?

We collect personal information from our Prospective Clients and Clients in order to provide services to you and fulfill our legal obligations. We are committed to protecting our Website Visitors’, Prospective Clients’, and Clients’ privacy and the confidentiality of their personal information in our possession.

The personal information we collect is used for the following purposes:

• helping select the coverage that best fits you and your needs;
• verifying your identity and other information you have provided to us;
• providing you with insurance premium quotes;
• providing insurers and reinsurers with the required information for applications including what is needed to underwrite your application and ultimately provide a Purchased Coverage
• collecting payment for the insurance products that you have purchased through our Website;
• detecting errors and preventing and suppressing fraud, financial abuse and other unauthorized or illegal activities;
• communicating with you regarding the insurance products that you have applied for and/or purchased through our Website, as well as other products and services that may be of interest to you;
• understanding your preferences for engaging with us;
• assisting insurers with the processing and adjudication of claims;
• meeting legal and regulatory requirements; and
• as otherwise required or permitted by applicable law. 

Call Recordings

If you contact us by phone, the call might be recorded or monitored and any personal information provided may be collected and used to: establish a record of the information you provide; take or verify instructions from you; and confirm your identity. Your call recordings will also be used to maintain quality service levels and help with staff training. If you don’t want your calls recorded, you can communicate with us in writing instead. You can also request that we respond to you in writing only.
‍

Use of AI Training, Automated Decision-Making, and De-Identified Data

We make use of automated decision-making tools/artificial intelligence (AI) applications for various business purposes, including evaluating the underwriting risk of insurance applications. We also use de-identified data for the purpose of developing new products and services, analyzing and improving our services and Website, and training and developing AI models for other machine -learning purposes (including for purposes of marketing, sales outreach, content generation, customer communications, underwriting efficiency, and predictive modeling). For clarity, “de-identified data” means we’ve removed personal identifiers such as names and date of birth such that the data cannot be traced back to an individual.

With respect to underwriting, a Prospective Client’s application may be automatically approved or declined by our AI systems, or transferred to a professional underwriter for a manual review. Anyone seeking more information about this tool is encouraged to reach out to us by phone or email (available via our Contact Us page).
‍

Online Advertising

We may use third parties such as ad exchanges and data companies to serve our advertisements on our Website or other websites. These companies may use cookies, tracer tags or web beacons to report certain information about your visits to our Website and other websites (such as web pages you visit and your response to ads) in order to measure the effectiveness of our marketing campaigns and to deliver ads that are more relevant and tailored to you, both on and off our Website.

To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit the Digital Advertising Alliance Website at www.aboutads.info/choices/ or the Digital Advertising Alliance of Canada Website at www.youradchoices.ca/choices.
‍

Testimonials and Reviews

If you provide us with a testimonial or review, we may post it on our Website or in other materials and media, along with your name (as needed). If you want your testimonial removed, please contact us at the contact information below.
‍

With Whom Do We Share Personal Information? 

Disclosure of Information to Third Parties 

We do not disclose your Personal Information to third parties except to the extent necessary to enable them to provide the specific services to you or on your behalf.

Third parties are currently engaged by us to facilitate our services (for example, payment processing, printing, mail distribution, information technology (IT), data storage, administration, investigation, identification verification, reinsurance, and paramedical services).

In connection with the disclosures to parties described above, your personal information may be transferred, processed or stored in other provinces or jurisdictions than where it was collected. These parties may be subject to the laws of those provinces or jurisdictions. If you are a Quebec resident, this means your personal information may be disclosed or transferred outside Quebec, including to service providers located outside of Quebec.

We may disclose your Personal Information to third parties if we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users, or anyone else (including the rights or property of anyone else) that could be harmed by such activities. Further, we may disclose Personal Information when we believe in good faith that such disclosure is required by and in accordance with the law. We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: satisfy any applicable privacy law, regulation, legal process or governmental request; enforce our contracts (including our Terms of Use), as well as investigation of potential violations of such contracts; and detect, prevent, or otherwise address fraud, security or technical issues. 

The above may include exchanging information with other companies and organizations for fraud protection and spam/malware prevention. When you apply for insurance with one of our partner companies, we provide your account information to the respective life insurance company to fulfill the application and provide a Purchased Coverage. We also notify them of any updates or changes to your account information. We may use third-party vendors to assist us with monitoring and analyzing our Website’s activity, operations and marketing assistance, hosting the Website, and maintaining our database. Some of these service providers will be located outside of Canada. We may share your Information with these Third-Party Vendors but only as necessary for them to perform their functions and to the extent permitted by law. Use of your Information by these Third-Party Vendors is governed by their own privacy policies and procedures and not by this Privacy Policy. 

We and our Canadian third-party service providers may provide your Personal Information in response to a search warrant or other legally valid inquiry or order, or to another organization for the purposes of investigating a breach of an agreement or contravention of law or detecting, suppressing or preventing fraud, or as otherwise required or permitted by applicable Canadian or other law (which may include lawful access requests by Canadian or other foreign courts, law enforcement or governmental authorities). We may also disclose Personal Information where necessary for the establishment, exercise or defense of legal claims and to investigate or prevent actual or suspect loss or harm to persons.

We also share certain information with the sponsor of the insurance plan, about coverage requested, issued or terminated. This information is used for administrative and reporting purposes, as well as to improve the member experience. 
‍

Joint Insurance Applications

By submitting a joint insurance application, you give permission to us to disclose or communicate details related to your application with your partner. You are allowing us to communicate personal information such as the status of your application or coverage, information disclosed as part of the application, results of any associated follow up requirements, your billing details, etc. It does not provide authority for your partner to make changes to your coverage on your behalf such as changing your beneficiaries or cancelations.
‍

Requests by Others for Your Account Information or Account Changes

Unless we have a signed authorization on your file that provides us with your consent to provide your account information to another party, we will not do so. Sometimes partners, advisors, estate administrators and other reach out to us requesting information on, or to make changes to, your Purchased Coverage. In order to provide them with this information or ability, you will need to have provided us with their name and identifying information prior to their request and we will use that information to assess the validity of their request for access. If at any time, we are unable to verify such person’s identity, we will not discuss any aspect of your Purchased Coverage with such person.

In the event an estate administrator or another person similarly entitled to details of your Purchased Coverage requires information on your coverage, such requests must be made in writing (by email) at the contact information available on the website and we will require evidence of identity and legal entitlement before providing such information. We endeavor to answer all such requests within 30 days.
‍

How Do We Protect Personal Information?

Safeguard and Security of Personal Information

We use technological safeguards designed to protect your Personal Information from loss and unauthorized access, copying, use, modification or disclosure. We have policies and procedures in place to protect the integrity, privacy and confidentiality of the information that we collect and maintain, including contracts with third parties that manage the information provided by you. Please be aware that, despite our best efforts, no security measures are perfect or impenetrable. We maintain reasonable administrative, technical and physical safeguards in an effort to protect personal information in our custody and control against unauthorized access, use, modification and disclosure of.

We authorize employees and service providers to have access to clients’ personal information only on a “need to know” basis in order to fulfill their job requirements. We ensure that any third party acting on our behalf maintains reasonable and appropriate safeguards in respect of your Personal Information. Additional information about our third parties’ privacy practices is available upon request. 

To help ensure the privacy of your information, we urge you not to share access to your email account with anyone and recommend that you change your password frequently and store it in a safe place. 
‍

Storage Location and Sub-Processors

We process and store Data, including Personal Information, on servers are located in Canada and the USA. . By submitting Personal Information or otherwise using the Website, you agree to this transfer, storing or processing of your Personal Information in the jurisdictions in which our sub-processors are located. 
‍

External Sites

Our Website may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you, but we do not endorse and we are not responsible for the content of any linked external websites or for the privacy practices of the third parties that own and operate such sites. Before using any external website, please refer to the terms of use and privacy policies of the external sites for more information.
‍

Your Privacy Rights

Access and Rights to Personal Information

You have the right to access the Personal Information we hold about you in order to verify the Personal Information we have collected in respect to you and to have a general account of our uses of that information. Upon receipt of your written request, we will provide you with a copy of your Personal Information, although in certain limited circumstances, and as permitted under law, we may not be able to make all relevant information available to you , such as where that information also pertains to another user. In some cases, sensitive medical information may only be disclosed to a health care provider. In such circumstances we will provide reasons for the denial to you upon request. We may also require you to pay reasonable costs associated with providing you with such information. You will be notified of any such cost after your request is evaluated.

We will endeavor to deal with all requests for access and modifications in a timely manner.

We will make every reasonable effort to keep your Personal Information accurate and up to date, and we will provide you with mechanisms to update, correct, delete or add to your Personal Information as appropriate. As appropriate, this amended Personal Information will be transmitted to those parties to which we are permitted to disclose your information. Having accurate Personal Information about you enables us to give you the best possible service.

To opt out of the use of your personal information by our services, please email us at advisor@policyme.com and let us know what you wish to opt-out of. Please be advised that certain uses and sharing of your information may be required to continue providing certain services to you. You may not be able to opt out of the use and sharing of your personal information, in connection with seeking, applying for, or obtaining insurance products or services from us.

You may also request that your account, and all your information contained within it, be deleted. In order to do this, please email privacy_officer@policyme.com.
‍

Safeguards for Minors 

We do not knowingly collect personally identifiable information from Minors . If you are a parent or guardian and you are aware that your Minor has provided us with Personal Information, please contact us. If we become aware that we have collected personal information from minors without verification of parental consent, we will take steps to remove that information from our servers.
‍

Rights to Change Coverage 

We may amend this Privacy Policy from time to time. Use of Personal Information we collect is subject to the Privacy Policy in effect at the time such information is collected, used or disclosed. If we make material changes or changes in the way we use Personal Information, we will notify you by posting an announcement on our Websites or sending you an email prior to the change becoming effective. You are bound by any changes to the Privacy Policy when you use our Websites or alter your Purchased Coverage after such changes have been first posted. 
‍

Accuracy

We will make reasonable efforts to ensure that your Personal Information is accurate and complete. We encourage you to access your online account to ensure your Personal Information is kept up-to-date. You may also request correction to your Personal Information to ensure its accuracy and completeness. A request must be in writing and provide sufficient detail to identify your Personal Information and the correction being sought.
‍

Data Retention

We will retain your Personal Information while you have an active Purchase Coverage and afterward if we need to do so to meet our legal obligations. We retain your information as long as a business need is required.
‍

Contact Us

If you have any questions or concerns about our privacy policies and practices, please send a written request to Jeff McKay, the Privacy Officer at the following email address: privacy_officer@policyme.com.