Privacy Policy

This Privacy Policy applies to all personal information collected, used, or disclosed by Ege Insurance (referred to herein as "we," "us," or "our") in connection with:

• Your use of our website located at egeinsurance.com (the "Website");
• Your interactions with us via telephone, email, or in-person meetings;
• The provision of insurance brokerage, advisory, and related services to you as a client or prospective client.

This Policy does not apply to the practices of third-party insurance carriers, underwriters, or other companies whose products and services we may offer or refer you to. Those entities maintain their own privacy policies and are independently responsible for their data practices.

By accessing our Website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with any part of this Policy, please discontinue use of our Website and services immediately.

We collect only the personal information necessary to provide our services and to communicate with you effectively. The categories of personal information we may collect include:

Information You Provide Directly

• Identity Information Full name, date of birth, and government-issued identification numbers where required for insurance underwriting purposes.
• Contact Information Email address, telephone number(s), mailing address, and postal code.
• Insurance-Related Information Details about your property, vehicle, health, business, or other assets for which you seek coverage; current or prior insurance policies; claims history; and other information necessary to obtain quotes or bind coverage on your behalf.
• Financial Information Where relevant to your insurance application or policy, information such as credit-related data requested with your explicit consent, or payment details for premium processing.
• Communications Records of correspondence you send us, including emails, contact form submissions, and notes from telephone conversations.

Information Collected Automatically

• Device & Technical Data IP address, browser type and version, operating system, device identifiers, and time zone.
• Usage Data Pages visited, links clicked, referring URLs, session duration, and navigation paths through our Website.
• Cookie Data Data collected through cookies and similar tracking technologies as described in Section 08.

Information from Third Parties

• Insurance Carriers & Underwriters Information shared by insurers in the process of obtaining quotes or managing your policy.
• Credit Reporting Agencies Where permitted by law and with your consent, credit information used for insurance scoring purposes.
• Publicly Available Sources Information from government registries, public records, or other lawfully accessible sources relevant to your coverage needs.

We collect and process your personal information on the following legal grounds, in accordance with PIPEDA and applicable Canadian privacy law:

• Express Consent Where we ask you to actively agree (e.g., by submitting a form or signing an application) prior to collecting sensitive information or for marketing communications.
• Implied Consent For information that is reasonably necessary to fulfill the purpose for which you have engaged us, such as processing an insurance quote request.
• Contractual Necessity Where processing is required to enter into or perform a contract for insurance services with you or on your behalf.
• Legal Obligation Where we are required by applicable law, regulation, court order, or regulatory authority to collect or disclose your information.
• Legitimate Interests For purposes such as fraud prevention, network security, and improving our services, provided these interests are not overridden by your privacy rights.

You may withdraw your consent to non-essential processing at any time by contacting us using the details in Section 14. Please note that withdrawal of consent for essential processing may affect our ability to provide services to you.

In compliance with Canada's Anti-Spam Legislation (CASL), we will only send commercial electronic messages (CEMs) to you with your prior express or implied consent, and every such message will include a clear and functional unsubscribe mechanism.

We use personal information collected from you solely for the purposes for which it was provided or for purposes that are consistent with those purposes. Specifically, we use your information to:

Service Delivery

• Respond to your inquiries, requests for quotes, or requests to schedule a meeting or consultation;
• Obtain insurance quotes from carriers and underwriters on your behalf;
• Bind, issue, renew, or cancel insurance policies as instructed by you;
• Process premium payments and manage your account;
• Handle claims, disputes, or complaints related to your insurance coverage.

Communication

• Send you confirmations, policy documents, renewal notices, and other transactional communications;
• Follow up on outstanding inquiries or pending applications;
• Notify you of changes to your policy, our services, or this Privacy Policy;
• Send marketing communications about products and services that may be of interest to you, where you have provided consent.

Compliance & Legal Obligations

• Verify your identity and assess eligibility for insurance products;
• Meet our regulatory obligations as a licensed insurance brokerage in Ontario;
• Detect, prevent, and investigate fraud, money laundering, or other illegal activities;
• Respond to lawful requests from government authorities, courts, or law enforcement.

Business Operations

• Analyze website usage to improve functionality and user experience;
• Conduct internal audits, quality assurance, and staff training;
• Manage and improve our business operations and client relationships.

We will not use your personal information for any purpose other than those identified above without first obtaining your consent, unless we are required or permitted to do so by law.

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. We may, however, share your information in the following limited circumstances:

Insurance Carriers & Underwriters

As an insurance brokerage, it is inherent to our services that we share relevant personal information with insurance carriers, underwriters, and reinsurers for the purpose of obtaining quotes, binding policies, managing claims, and fulfilling our contractual obligations on your behalf. This sharing is necessary to provide the services you have requested.

Service Providers

We may engage trusted third-party service providers to assist in operating our Website and delivering our services. These may include:

• IT infrastructure, cloud hosting, and cybersecurity providers;
• Customer relationship management (CRM) software vendors;
• Email communication and marketing platform providers;
• Payment processing providers;
• Professional advisors including lawyers, accountants, and auditors.

All such service providers are contractually obligated to maintain the confidentiality and security of your information and to use it only for the purposes for which it was shared. They are not permitted to use your personal information for their own purposes.

Legal & Regulatory Disclosure

We may disclose your personal information where required or permitted by law, including:

• In response to a valid court order, subpoena, warrant, or other legal process;
• To comply with applicable legislation, regulations, or the direction of a regulatory body;
• To the Registered Insurance Brokers of Ontario (RIBO) or other regulatory authorities in their supervisory capacity;
• To investigate, detect, or prevent fraud, criminal activity, or breaches of our agreements.

Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, or other business transfer involving Ege Insurance, your personal information may be transferred as part of that transaction. We will notify you of any such transfer and provide you with an opportunity to opt out where required by law.

We retain your personal information only for as long as is necessary to fulfill the purposes for which it was collected, to provide our services, and to comply with our legal and regulatory obligations.

As a licensed insurance brokerage, we are subject to record-keeping requirements under applicable insurance legislation and RIBO regulations. In general, we maintain client files and policy-related records for a minimum of seven (7) years following the end of the business relationship, unless a longer retention period is required by law or for the resolution of disputes or legal claims.

Website usage data and analytics data collected via cookies or similar technologies are retained for shorter periods commensurate with their purpose, typically no longer than 26 months.

When personal information is no longer required and there is no legal obligation to retain it, we will securely destroy, delete, or anonymize it in accordance with our data disposal procedures.

We take the security of your personal information seriously and implement reasonable and appropriate administrative, physical, and technical safeguards to protect it against unauthorized access, use, disclosure, alteration, or destruction. Our security measures include, but are not limited to:

• Encryption of data in transit using industry-standard SSL/TLS protocols;
• Access controls and authentication measures to limit access to personal information to authorized personnel only;
• Regular review of our security policies and procedures;
• Employee training on privacy obligations and data handling best practices;
• Secure disposal of personal information when no longer required.

While we take every reasonable precaution to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security and encourage you to use caution when transmitting personal information over the internet.

Data Breach Notification

In the event of a privacy breach that poses a real risk of significant harm to you, we will notify you and the Office of the Privacy Commissioner of Canada (OPC) as required under PIPEDA. We maintain a breach response plan and will act promptly to mitigate any harm arising from a breach.

Our Website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content.

What Are Cookies?

Cookies are small text files placed on your device by a website when you visit it. They allow the website to recognize your device on subsequent visits and to store information about your preferences or activity.

Types of Cookies We Use

• Strictly Necessary Cookies Essential for the Website to function and cannot be switched off. They do not store any personally identifiable information.
• Performance & Analytics Cookies Help us understand how visitors interact with our Website by collecting information such as page visits and traffic sources. This data is used in aggregate form only.
• Functionality Cookies Allow the Website to remember choices you have made (such as your region or language) to provide a more personalized experience.
• Targeting & Advertising Cookies May be set by third-party advertising partners to build a profile of your interests and display relevant advertisements on other websites. We do not share personally identifiable information with these partners.

Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or accept cookies, delete existing cookies, and be notified when a cookie is sent to your device. Please note that disabling certain cookies may affect the functionality of our Website.

For more information on managing cookies, please visit www.allaboutcookies.org or consult your browser's help documentation.

Third-Party Analytics

We may use third-party analytics services (such as Google Analytics) to collect aggregated, anonymized information about Website usage. These services may use cookies and similar technologies and have their own privacy policies governing the use of such data. We encourage you to review those policies.

Subject to applicable law, you have the following rights with respect to your personal information held by Ege Insurance:

• Right of Access You have the right to request access to the personal information we hold about you, including information about how it has been used and to whom it has been disclosed, subject to certain legal exceptions.
• Right to Correction If you believe that personal information we hold about you is inaccurate, incomplete, or outdated, you have the right to request that we correct it.
• Right to Withdraw Consent Where our processing is based on your consent, you may withdraw that consent at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawal of consent will not affect the lawfulness of processing carried out prior to the withdrawal.
• Right to Opt Out of Marketing You may opt out of receiving commercial electronic messages from us at any time by clicking the "unsubscribe" link in any marketing email or by contacting us directly.
• Right to Lodge a Complaint If you believe we have not handled your personal information in accordance with applicable law, you have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada or your applicable provincial privacy commissioner.

To exercise any of these rights, please submit a written request to us using the contact information in Section 14. We will respond to your request within 30 days. We may require you to verify your identity before processing your request.

Our Website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you are under the age of 18, please do not submit any personal information through our Website.

If we become aware that we have inadvertently collected personal information from a person under the age of 18 without appropriate parental or guardian consent, we will take steps to delete that information from our records promptly. If you believe we may have collected information from a minor, please contact us immediately at the address provided in Section 14.

Our Website may contain links to third-party websites, including insurance carrier portals, government resources, or other external sites. These links are provided for your convenience and informational purposes only.

We have no control over the content, privacy policies, or practices of third-party websites. Once you leave our Website by following a link to an external site, this Privacy Policy no longer applies. We strongly encourage you to review the privacy policy of every website you visit before providing any personal information.

Ege Insurance is not responsible for the privacy practices or the content of any third-party websites linked from our Website.

Ege Insurance is based in Ontario, Canada, and primarily stores and processes personal information within Canada. However, some of our third-party service providers (such as cloud hosting or software-as-a-service vendors) may process or store data in servers located outside of Canada, including in the United States.

When your personal information is transferred outside of Canada, it may be subject to the laws of the jurisdiction in which it is held, and may be accessible to foreign governments, courts, or law enforcement under those laws. By providing us with your personal information, you acknowledge and consent to the possibility of such transfers.

We take steps to ensure that any third parties who receive your personal information outside Canada provide a comparable level of protection to that required under Canadian privacy law, through contractual safeguards and due diligence in vendor selection.

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our information practices, legal requirements, or the services we offer. Any changes will be effective upon posting the revised Policy on this page, with the "Last Updated" date revised accordingly.

For material changes that significantly affect how we handle your personal information, we will make reasonable efforts to notify you in advance for example, by posting a prominent notice on our Website or by sending you a direct notification where we have your contact information.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our Website or services following any changes to this Policy constitutes your acceptance of those changes.

Ege Insurance has designated a Privacy Officer responsible for overseeing compliance with this Privacy Policy and applicable privacy legislation. If you have any questions, concerns, or complaints about this Privacy Policy or our privacy practices, or if you wish to exercise any of your rights described in Section 09, please contact us in writing:

We will acknowledge receipt of your complaint or request within 5 business days and aim to resolve all matters within 30 calendar days, or notify you if additional time is required.

If you are not satisfied with our response, you have the right to escalate your complaint to the Office of the Privacy Commissioner of Canada (OPC):

• Website: www.priv.gc.ca
• Toll-Free: 1-800-282-1376
• Address: 30 Victoria Street, Gatineau, Quebec K1A 1H3