Privacy Notice

This Privacy Notice (the “Notice”) only applies to the collection and use of personally identifiable information (the “Personal Information”) gathered through the use of the website (the “Onlia Agency Website” (the “Onlia Agency”) that is owned and operated by Onlia Agency Inc. (the “Onlia Agency”).

This Notice does not apply to any subdomain of the website that is owned and/or operated by or on behalf of any third party and/or an affiliate or related company to Onlia Agency, even if we provide a link to such subdomain.

Onlia Agency is committed to protecting your privacy in this Notice: ‘we’, ‘our’, or ‘us’, refers to Onlia Agency and its subsidiaries and affiliates.

This Notice:

(i) describes the Personal Information that we may collect through the Onlia Agency Website;
(ii) explains the purpose of collecting and the use of such Personal Information; and
(ii) explains how and when we may share it.

Accountability

We are responsible for all Personal Information under our control, whether supplied to us directly by you or by a third party or that we have provided to a third party for processing. We have established policies and procedures to comply with our Notice and have designated a Privacy Officer who is responsible for ensuring we comply with applicable privacy legislation. If you need to contact our Privacy Officer regarding your specific privacy questions or concerns, please see the contact information at the end of the Notice.

Limiting Collection

The collection of Personal Information by Onlia Agency is limited to only what is needed for the purposes identified by us below. Personal Information is collected by fair and lawful means only.

Identifying Purpose

Onlia Agency collects your Personal Information directly from you, and through third party sources with your consent. We do so for the following purposes:

• offering and providing insurance products and services to meet your needs;
• establishing and maintaining communications with you through varied media platforms;
• verifying Personal Information provided in your application which may include a request for proof of identity;
• assessing and underwriting;
• determining insurance product prices;
• facilitating payment of fees and premiums;
• investigating and settling claims;
• detecting and preventing fraud or other illegal activities;
• analyzing business results and compiling statistics;
• conducting market research;
• with your consent, to notify you or allowing our affiliated and/or related companies to notify you of certain products or services offered by us, or our affiliated and/or related companies;
• reporting to regulatory or industry entities;
• training employees and monitoring for quality assurance;
• acting as required or as authorized by law.
  
  

We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If we require your Personal Information for any purpose other than as identified above, Onlia Agency will seek your consent before using it.

Consent to Collection of Personal Information

By using the Site, registering for or obtaining a Service and/or providing us with personal information, you consent to the collection, use and disclosure of your personal information as described in this Privacy Notice.

The Personal Information that we collect comes directly from you and/or through 3rd party data providers via the Onlia Agency Website or through other means of communication.

We obtain your consent electronically for the collection, use and disclosure of your Personal Information in accordance with this Privacy Notice, and, depending on the circumstances, for other purposes identified before the collection of your Personal Information.

Unless required by law, Onlia Agency will not collect, use or disclose Personal Information without obtaining your consent first. Your consent can be “implied” or “express”.

Implied consent refers to conduct which demonstrates the voluntary provision of Personal Information, for example, when you provide Personal Information for an insurance quote.

Express consent refers to circumstances where you are provided with explicit disclosure regarding the nature of the collection, use, and disclosure of your Personal Information.

Subject to certain legal, contractual restrictions, and reasonable notice, you may refuse or withdraw consent to the collection, use or disclosure of Personal Information at any time by contacting our Privacy Officer.

Additionally, you may also opt out of certain communications we may send you regarding other products and services.

Collection of Personal Information

The types of Personal Information that we may collect to fulfill the purposes identified above include:

• name, address, email address, and telephone number;
• date of birth, gender, family and marital status;
• banking and financial information;
• previous insurance and claims experience;
• driver’s licence number and driving record;
• vehicle identification number (VIN) and vehicle information;
• medical and health information for investigating and settling specific claims.
  
  

Where permitted by law, you may be given the option to give your express consent for us to access your credit information from a credit reporting agency. We will use this credit information to assess risk, provide you with a quote, and determine your eligibility for premium discounts. While you are a customer, we may continue to retrieve your current credit score from time to time, while you remain a customer of ours, unless you withdraw your consent for us to do so. 

Cookies, Automatic Data Collection and Related Technologies

Our Site uses a technology called “cookies”. Some cookies are made and generated by us. Others are managed by outside parties, like service providers who are not affiliated with Onlia.

What are cookies?

Cookies are tiny elements of data that the Site can send to your browser, which may then be stored on your hard drive so that you can be recognized when you return.

What are cookies for?

We use cookies on the Site to enhance User experience and to deliver personalized recommendations, products and services.

What types of cookies do we use?

Essential cookies: Essential cookies allow you to access all our site features and to browse in an optimal and secure manner.

Performance cookies: Performance cookies allow us to analyze how you browse our sites so that we can make improvements.

When you visit the Onlia Agency Website, we and our third-party service providers, which may include third-party analytics service providers, third-party advertisers, and third-party loyalty partners may use cookies, server logs and other similar technology to collect and store your preferences, present content relevant to your province of residence, usage statistics, website traffic and performance data, as well as other information such as your IP address, location, the type of Internet browser or device you use, any website you have come to the website from and your operating system.

We use this information to make improvements to the Onlia Agency Website and our services, to enhance your overall experience and to market and remarket products and services that may be of interest to you.

Personalization cookies: These cookies allow us to learn your preferences and personalize the content you see, based on your previous choices.

Personalization cookies provide us and our service providers with information about your use of the Site and other websites that we and they may use to personalize the Site or other content such as advertising in accordance with your interests and preferences (e.g. language preference) and improve your user experience.

Targeted advertising cookies: Advertising cookies enable us to offer you personalized offers and services that are better adapted to your interests, based on how you browse our sites.

You may set your Web browser to notify you when you receive a cookie or to not accept certain cookies.

However, if you decide not to accept cookies from the Site, you may not be able to take advantage of all of the features of the Site.

The Onlia Agency Website also contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information. For information about the cookies and other technologies we use, including how to disable them, consult our Conditions of Use. If these are disabled, the site may not function as described.

For transparency and your convenience, we have listed Common third parties that use the different types of cookies described above along with their Purpose:

Essential Cookies

Performance cookies

Personalized cookies

Targeted advertising cookies  

Safeguards

Protecting your Personal Information is very important to us, so we have taken the necessary organizational, technological and physical safeguards to protect it. When you submit sensitive information via the Onlia Agency Website, your information will be protected both on and offline.

Wherever we collect sensitive information, that information is encrypted and transmitted securely. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the Web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to your Personal Information. The computers and servers in which we store personally identifiable information are kept in a secure environment.

Any service providers we share your Personal Information with, are held to the same standard as us and are bound by our Privacy Notice and governing law.

Limiting Use, Disclosure, and Retention

Unless you consent otherwise, or required by law, Personal Information can only be used or disclosed by us for the purposes for which it was collected. We keep Personal Information only as long as required to serve those purposes.

Personal Information that is no longer required to fulfil the identified purposes is destroyed, erased or made anonymous. Onlia Agency has developed and implemented detailed retention principles and will ensure the destruction, or anonymization of Personal Information in a method that prevents improper access.

There are situations specific to our business where we will use, disclose and retain Personal Information as dictated by prudent business practices. Examples of these situations include:

• Storage of information: transfer of Personal Information to cloud providers;
• Regulatory: compliance with legal, audit and other regulatory or governmental regulations.

Onlia Agency may internally share your Personal Information for the purposes identified in this Notice with its employees, affiliates or other related companies outside of Canada.

Only such companies with legitimate business reasons will have access to your Personal Information and must ensure that Personal Information in their possession is held securely. 

We may also use service providers located outside of Canada to collect, use, disclose or store personal information. Where we do so, we will contractually require such third party to employ the appropriate security safeguards to protect your personal information, subject to the law in the third party jurisdiction. While the personal information is in another jurisdiction it may be accessed by the courts, law enforcement and national security authorities of that jurisdiction. The jurisdictions where personal information may be collected, used, disclosed and stored include the United States of America. To obtain further information about our policies and practices with respect to privacy, you may contact our Privacy Officer as indicated below.

We may transfer any Personal Information that we have about you in connection with a merger or sale involving all or part of our business or as part of a corporate reorganization or stock sale or other change in corporate control.

Accuracy

We try to ensure that the Personal Information we collect is accurate, complete, and as up-to-date as possible to properly satisfy the purposes for which it is to be used. If we are unable to verify your Personal Information or contact you, we may be limited in our ability to provide you with our services.

Openness

Upon request, Onlia Agency will explain its Notice concerning the management of Personal Information. You can contact our Privacy Officer with any inquiries or complaints or if you require further information.

Individual Access

If you would like to obtain a copy of the Personal Information held about you by us, or update, correct, or delete any Personal Information that you have provided to us through your use of the Onlia Agency Website, or otherwise, or if you have any questions or suggestions for improving this Privacy Notice, please contact us.

If you have questions about unsubscribing from email or other communications, do so by using the email below in the Contact Us section.

We may only deny access to your Personal Information when such denial is: (1) required or authorized by law; (2) when granting you access would have an unreasonable impact on other people’s privacy, unless the requested information is severable from the personal information of other people; and (3) to protect our confidential commercial information. If we deny your request for access to or refuse a request to correct information, we shall explain why.

Challenging Compliance

Any individual may address a written challenge concerning our compliance with this Privacy Notice to our Privacy Officer at the contact information found at the end of this Notice. Onlia Agency will investigate all written complaints. Should we find that a complaint has reasonable grounds, we will take all appropriate steps to correct the Personal Information and amend the Notice or practice as required and will notify the individual about the outcome.

Changing our Privacy Agreement

From time to time, we may update or make amendments to the Notice to comply with any changes in legislation or to take into consideration any other issues that may arise. Should we make any changes, we will post the revised Notice on the Onlia Agency Website and/or provide you with a link or an email notification. We encourage you to check back often and keep yourself informed about our Notice. As we continue to serve you and where changes have been made to this Notice, our continued business relationship constitutes acceptance of those changes.

Contact Us

Onlia Agency welcomes questions, comments and inquiries. Our preference is that you communicate with us through electronic means. You may contact our Privacy Officer regarding your specific privacy questions or concerns at:

privacy@onlia.ca

or

Privacy Officer
Onlia Agency Inc.
351 King St. E, Suite 801
Toronto, ON M5A 0L6

This Notice was last updated on September 5, 2023.