Privacy Policy

Last Updated: February 9, 2024

Alliance Income Services Corp. and its affiliates (collectively “we“, “our” or “us“), we are committed to protecting the privacy and personal information of our users. This purpose of this privacy policy (“Privacy Policy“) explains how we collect, use, and protect your personal information, as well as your rights with respect to your personal information, through the use of our services and our website, lifeinsurancepro.ca, insurdinary.ca, insurdinary.com, groupenroll.ca, healthrates.ca, and policyrates.ca (collectively, our “website“).

Privacy Policy Updates

This Privacy Policy is current as of the “updated” date which appears at the top of this page.  We may make changes to this Privacy Policy from time to time, which will become immediately effective when published in a revised Privacy Policy posted on our website unless otherwise noted.  We may also communicate the changes through our services or by other means. 

Please review this Privacy Policy carefully.  By submitting your Personal Information to us, by registering for or using any of the services we offer, by using our website, or by voluntarily interacting with us, you consent to our collecting, using and disclosing your Personal Information as set out in this Privacy Policy, as revised from time to time.

What’s in this Privacy Policy?

This Privacy Policy covers the following topics:

• Meaning of Personal Information
• Your Consent to Collection, Use and Disclosure
• Personal Information We Collect
• How We Use Your Personal Information
• How We Share Your Personal Information
• Opting Out of Communications
• Retention of Personal Information
• Information Security
• Accessing and Updating Your Personal Information
• Third Party Websites and Services
• How to Contact Us

Meaning of Personal Information

“Personal Information” means information about an identifiable individual as described under Canadian OR United States privacy laws, which may include, but is not limited to, your name, e-mail address and telephone number. Personal Information does not include any business contact information that is solely used to communicate with you in relation to your employment, business or profession, such as your name, position name or title, work address, work telephone number, or work email address.

Personal Information also does not include information that has been anonymized or aggregated in such a way that there is no serious possibility it can be used to identify an individual, whether on its own or in combination with other information.

Your Consent to Collection, Use and Disclosure

We collect, use and disclose your Personal Information with your consent or as permitted or required by Canadian or American privacy laws.  How we obtain your consent may be express or implied and will depend on the circumstances, as well as the sensitivity of the information collected.  If you choose to provide Personal Information to us, we assume that you consent to the collection, use and disclosure of that Personal Information as outlined in this Privacy .

If you wish to withdraw your consent to our collection, use or disclosure of your Personal Information, please contact us using the contact information in the “How to Contact Us” section below.  In some cases, withdrawal of your consent may mean that we will no longer be able to provide certain products or services.

Information We May Collect

We may collect basic personal information that you choose to provide to us through use of our website or our products and services, or over the phone to us. We distribute the information to an affiliated partner who may collect more detailed information when you are redirected to their site – however we will clearly inform you as to when you are leaving our website, as our privacy practices may not apply to the information provided to our affiliate partners. The additional information may be required to provide pricing and or generate an accurate quote, and may include:

• Your name, email address, phone number, postal code, telephone number
• Your gender, marital status, age, date of birth, residency and or citizenship
• Information about your insurance needs, preferences, and coverage history
• Information about your health or medical conditions, as needed to provide you with insurance quotes and related services. This may include, your lifestyle habits, smoker status, weight and height
• Your employment status which may include hours worked per week, salary information, years of employment and occupation
• Financial information such as existing debt, savings, mortgage and investments
• Additional information that you may provide to us when using our website and its services when utilizing the applications and tools within our website

Like most websites and other Internet services, we may collect certain technical and device information about your use of our website, which may include your Internet protocol address, information about your device, browser and operating system, and the date and time of your visit, as well as the region or general location where your device is accessing the internet, and other information about the usage of our website, including a history of the pages you view.

We  may utilize “cookies” that are technically necessary and that increase the functionality of using our products and services.  In addition to cookies, we may use web beacons, and similar technologies when you use our products and services for our business or analytical purposes, such as assessing traffic on our website and understanding how customers utilize our products and services. A “cookie” is a small text file that contains information and is stored on your computer. One type of cookie saves a file permanently on your computer. Cookies will be used to personalize a web page according to the user’s choices and interests. The other main type of cookie is called a “session cookie”. While you are visiting a web page, session cookies are sent between your computer and the server to access information. Session cookies disappear when you turn off your web browser. If you do not wish to accept cookies, your web browser can be set so that you automatically deny the storage of cookies or are informed every time a website requests to be allowed to store a cookie. Previously stored cookies can also be deleted through the web browser. Please refer to your web browser’s help pages for more information. However, please be aware that some areas or features of our products and services rely on cookies and so may not work if you delete or decline cookies. For more information about cookies generally please visit www.allaboutcookies.org

For individuals who otherwise interact with us, whether in person, by phone or e-mail, through social media or otherwise, including individuals who might be interested in acquiring our products or services, who sign-up to receive newsletters or other communications, or who respond to surveys and questionnaires, we may collect information that you provide to us during these interactions. This information may include your name, e-mail address, demographic information (such as your location, gender and age range), professional information (such as your professional designations and name of your employer), other information relevant and related to your use and interaction with our services, and any other information you may elect to provide to us during these interactions.

We may aggregate and anonymize certain data collected in connection with your use of our website and services, which may be stored and used separately from the data and Personal Information referred to above.

How We Use the Information You Provide

We may use your Personal Information for purposes such as:

• providing you with our services and supporting your use of our services;
• permitting our third party service providers, such as partner affiliates, to provide services related to our services;
• contacting you relating to our products and services;
• monitoring the usage of our products and services to support their proper functioning and further improvement;
• analyzing the needs and activities of our customers to help us better serve them;
• generating de-identified data to conduct research and analysis related to our business, products and services;
• responding to inquiries and other requests;
• collecting opinions and comments about our products and services;
• developing marketing materials;
• investigating legal claims; and
• for such other purposes as you may otherwise consent from time to time.

We may use your Personal Information for purposes for which we have obtained your consent, and for such other purposes as may be permitted or required by applicable Canadian and United States privacy laws. We will process, collect, use, and disclose information received through our website only to pursue our legitimate business interests in keeping you updated on our services and products, respond to your queries, establish communication with you and your company, and to enhance user experience by analyzing your use of our website.

How We Collect Information from Google Analytics and What It’s Used For

lifeinsurancepro.ca uses Google Analytics, which collects the following information:

• Referral website
• Link(s) clicked
• Page(s) visited, and the amount of time spent on that particular page
• Type of browser used (mobile, desktop)
• Time and date the page was accessed
• Originating IP address

It is very important to note that the information provided to lifeinsurancepro.ca by Google Analytics is presented to lifeinsurancepro.ca in an anonymous and aggregate form. This information allows us to improve our site performance and understand how users interact with our website. There is no way we are able to identify any person(s) by way of the information provided by Google Analytics. Google Analytics may, on its own, share information with other Google Services, which we are not responsible for. Please visit Google Analytics Terms of Service for more information. There is an option for individuals to opt out of Google Analytics tracking. Please learn more about how to opt-out here.

Interest-Based Marketing (Retargeting or Remarketing)

From time to time, Life Insurance Pro may launch an interest-based marketing campaign often called “retargeting” or “remarketing” in order to display advertisements across third party websites i.e., Facebook or Google. Third party vendors such as Facebook or Google utilize tokens or pixels and/or cookies as unique identifiers. These unique identifiers may result in you seeing an ad for lifeinsurancepro.ca once you have left our website.

How We Share Your Personal Information

We rely on third party services providers to perform a variety of services on our behalf, such as data storage, security and processing service providers, content management systems (like WordPress), email marketing and communication service providers, and research and analytics providers.

If we provide information to service providers, we require that the service providers keep your Personal Information secure, and only handle it for limited purposes.  We also require that our service providers comply with applicable privacy laws and only use your Personal Information for the limited purposes for which it was provided. We do not authorize the service providers to disclose your Personal Information to unauthorized parties or to use your Personal Information for their direct marketing purposes. 

Additionally, we may use and disclose your information when we believe such use or disclosure is permitted, necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce the terms of the agreements for our products and services; (e) to protect our rights, operations or property; (f) to allow us to pursue available remedies or limit the damages that we may sustain. 

If we otherwise intend to disclose your Personal Information to a third party, we will identify that third party and the purpose for the disclosure, and obtain your consent.

Opting Out of Marketing Communications

If you no longer want to receive marketing-related emails from us, you may opt-out of receiving emails by clicking the “unsubscribe” link at the bottom of any email you receive from us.  You may also opt-out by contacting us directly using the contact information in the “How to Contact Us” section below.

We will endeavour to respond to your opt-out request promptly, but we ask that you please allow us a reasonable time to process your request.  Please note that if you opt-out from receiving marketing-related emails, we may still need to send you communications about your use of our products or services, or other matters.

Retention and Storage of Personal Information

We will use, disclose or retain your Personal Information only for as long as necessary to fulfill the purposes for which that Personal Information was collected and as permitted or required by Canadian or United States privacy laws.

We store all Personal Information in Canada.

However, if you access or use our products and services outside of Canada or the United States, you may be subject to different data protection rules than those in Canada or the United States.  While your Personal Information is outside of Canada or the United States, it is subject to the laws of the country in which it is located, and those laws may require disclosure of your Personal Information to authorities in that country. For written information about our policies and practices regarding service providers outside of Canada or the United States, contact our Privacy Information Officer at the email address below.

Information Security

We have implemented physical, organizational, contractual and technological security measures with a view to protecting your Personal Information and other information from loss or theft, unauthorized access, disclosure, copying, use or modification. 

Despite the measure outlined above, no method of information transmission or information storage is 100% secure or error-free, so we unfortunately cannot guarantee absolute security.  If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any information that you provided to us has been compromised), please contact us immediately using the contact information in the “How to Contact Us” section below.

Accessing and Updating Your Personal Information

We expect you, from time to time, to supply us with updates to your Personal Information, when required. We will not routinely update your Personal Information, unless such a process is necessary. 

You may make a written request to review any Personal Information about you that we have collected, used or disclosed, and we will provide you with any such Personal Information to the extent required by applicable laws.  You may also challenge the accuracy or completeness of your Personal Information in our records. If you successfully demonstrate that your Personal Information in our records is inaccurate or incomplete, we will amend the Personal Information as required.

In certain circumstances, we may not be able to provide you access to all of your Personal Information it holds, such as where it is prohibitively costly to provide, where it contains references or Personal Information of other individuals, or for security, proprietary or legal reasons, including where the information is subject to solicitor-client or litigation privilege. We will provide you the reasoning and rationale for any denial, in whole or in part, of any request for access to your Personal Information we may hold.

We may require that you provide sufficient identification to fulfill your request to access or correct your Personal Information.  Any such identifying information will be used only for this purpose. We will not charge you any fees to access your personal information in our records without first providing you with an estimate of the approximate fees, if any.

If you object to how we handle your request, you may have the right to make a complaint to the Privacy Commissioner of Canada or the applicable provincial privacy commissioner, or the applicable United States or States privacy commissioner.

Third Party Websites and Services

We provide links to third-party websites and services for your convenience and information. Those websites and services are governed by the privacy statements and policies of the respective third party. This Privacy Policy does not extend to any websites, products or services provided by third parties. We do not assume responsibility for the privacy practices of third parties and we encourage you to review all third-party privacy statements prior to using third-party websites, products or services.

How to Contact Us

All comments, questions, concerns or complaints regarding your Personal Information or our privacy practices should be sent to our Privacy Officer as follows: