Privacy Policy

Purpose:

The purpose of this Act is to govern the collection, use and disclosure of personal information by organizations in a manner that recognizes both the right of an individual to have his or her personal information protected and the need of organizations to collect, use or disclose personal information for purposes that are reasonable.

Compliance:

1. An organization is responsible for personal information that is in its custody or under its control.
2. For the purposes of this Act, where an organization engages the services of a person, whether as an agent, by contract or otherwise, the organization is, with respect to those services, responsible for that person’s compliance with this Act.
3. An organization must designate one or more individuals to be responsible for ensuring that the organization complies with this Act.
4. An individual designated may delegate to one or more individuals the duties conferred by that designation.
5. In meeting its responsibilities under this Act, an organization must act in a reasonable manner.
6. Nothing is to be construed so as to relieve any person from that person’s responsibilities or obligations under this Act.

Policies and Procedures:

An organization must:

1. Develop and follow policies and practices that are reasonable for the organization to meet its obligations under this Act, and
2. Make information about the policies and practices available on request.

Consent:

1. Required by oral or written.
2. Can be withdrawn.
3. If an organization obtains or attempts to obtain consent to the collection, use or disclosure of personal information by:
   Providing false or misleading information respecting the collection, use or disclosure of the information, or
   By using deceptive or misleading practices, any consent provided or obtained under those circumstances is negated.

For additional information or for a copy of the Personal Information Privacy Act please click HERE.

Requirements of our Brokerage:

1. Obtain consent for collecting, using and disclosing personal information, except when inappropriate (for example, in an emergency or when consent would compromise the availability or accuracy of the information). Obtain the consent in a form appropriate to the kind of information concerned. If an individual modifies or withdraws his or her consent, respect the changes.
2. Collect personal information only for reasonable purposes and only as much as is reasonable for those purposes. Except when inappropriate, collect personal information directly from the individual concerned and inform the individual of how you will use and disclose the information.
3. Use and disclose personal information only for the purposes for which it was collected, unless the individual consents or the Act permits the use or disclosure without consent.
4. On request, provide an individual with information about the existence, use and disclosure of the individual’s personal information and provide access to that information, if reasonable.
5. On request, correct information that is inaccurate.
6. Ensure that any personal information is as accurate as necessary for the collection purposes; ensure that personal information is secure; and keep the information only as long as reasonable for business and legal reasons.
7. Designate an individual to make sure we comply with the Act and make information about the organization’s management of personal information available on request.
8. We may monitor or record communications between the individual client and our representatives (e.g. telephone calls) in order to enhance and maintain client service quality, to protect the individual and Costen & Associates, to confirm our discussions with the individual, or for training purposes. We will use this information solely for the above purposes.

To obtain a full copy of our Privacy Manual, or for more information, please contact our Privacy Officer:

Name: Andrew Shareski
Position: Operations Manager
E-mail: andrew@costeninsurance.com
Phone: (403) 245-2424
Fax: 403-237-5599