Privacy Policy

At Visitor Guard we value your trust and take your privacy seriously. This policy explains how we collect, use, share and protect your personal information when you visit visitorguard.ca or use our insurance services.

Visitor Guard (visitorguard.ca) is an online entity and a specialized brand of Life Advice Insurance Inc., based in Kitchener, Ontario. Our agents are accountable for your information, and it is kept confidential.

We handle personal information in line with Canada's federal private-sector privacy law, the Personal Information Protection and Electronic Documents Act (PIPEDA).

• Contact information, such as your name, email address, mailing address and phone number.
• Health or medical information, such as prescription information, when it is needed for a quote or an application.
• Technical information that most websites gather automatically, such as your IP address, browser type, referring and exit pages, and operating system.

We only collect information that is relevant and consistent with the purpose we collect it for.

Whenever practical, we collect information directly from you or from your authorized representative. This happens through completed applications and forms, by telephone, mail or internet, and through your business dealings with us.

We use fair and lawful means to collect personal information.

We use your information only for the purposes we have told you about, which relate to the products and services we offer. These include:

• Fulfilling your order and sending your order confirmation.
• Sending you the product or service information you requested, and product updates.
• Providing the financial services you requested.
• Sending you our newsletter, if you have chosen to receive it.
• Conducting research and analysis to improve our website and services.

We use the information you give us for your insurance application. Only you, the people who work on your application and the underwriters have access to it.

We collect, use and share your personal information only with your consent, or as permitted or required by law. You can give consent in writing, verbally or electronically, or through an authorized representative such as your advisor.

You can withdraw your consent, or refuse to have your information collected, used and disclosed, at any time by contacting us. In some cases we need your consent for legal or contractual reasons, so withdrawing it may affect our ability to keep providing the products and services you asked for.

We do not sell your personal information. We share it only in the ways described in this policy:

• With insurers and underwriters, to quote, issue and manage the coverage you request.
• With your prior consent.
• When the law requires it, for example in response to a subpoena or similar legal process, or when we believe in good faith that disclosure is needed to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
• If Visitor Guard is involved in a merger, acquisition or sale of all or part of its assets. We will tell you by email or by a prominent notice on our website about any change in ownership or use of your information, and about any choices you have.

Our website uses a small number of cookies and similar technology:

• A security cookie that helps protect our forms from misuse. It is needed for the site to work safely.
• A cookie notice, so you can see how cookies are used on this site.
• Basic website statistics provided through our hosting and security service, which help us understand how the site performs.

You can block or delete cookies in your browser settings. If you block them, parts of the site, such as forms, may not work properly. We do not use cookies to sell your information.

Our site may link to other websites whose privacy practices differ from ours. If you submit personal information to those sites, it is governed by their privacy statements. We encourage you to read the privacy statement of any site you visit.

The security of your personal information is important to us. When you enter sensitive information on our forms, we encrypt its transmission using secure connection (TLS, formerly SSL) technology. We follow generally accepted industry standards to protect the information you submit, both in transit and once we receive it.

No method of transmission over the internet, or of electronic storage, is completely secure, so we cannot guarantee absolute security.

We keep your information for as long as your account is active or as needed to provide your services, and as necessary to meet our legal obligations, resolve disputes and enforce our agreements. If you want us to stop using your information to provide services, contact us.

Where our site offers publicly accessible blogs or community areas, any information you post there may be read, collected and used by others who visit them. Please do not post personal or health information in public areas.

You can ask us to:

• Tell you what personal information we hold about you and give you access to it.
• Correct information that is inaccurate or out of date.
• Stop using your information to provide services, or stop sending you marketing emails. Every marketing email includes unsubscribe instructions.

To make a request, contact us using the details below. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.

We may update this policy to reflect changes in our practices. If we make material changes, we will notify you by email or by a notice on this site before the change takes effect. Please review this page from time to time. The date at the top shows when it was last updated.