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Introduction
First Canadian Insurance Corporation (FCIC) is the underwriter for all life and disability insurance contracts marketed by First Canadian Insurance Corporation.
Millennium Insurance Corporation (MIC) is the underwriter/obligor of all extended service contract policies marketed by First Canadian Protection Products / Protection Plans, Data Gathering Service Inc., Platinum Tire and Rim Protection, AutoShield, LeisureCare, and Millennium Insurance Corporation.
We are dedicated to protecting the personal information of our customers and employees. Our privacy protocol is a formal statement of principles concerning the minimum requirement for the protection of personal information provided by our individual customers and employees. We are committed to meeting or exceeding the privacy standards established by federal and provincial legislation. Our information handling practices comply with the Personal Information Protection Act (Alberta) (“PIPA”), and the Personal Information Protection and Electronic Documents Act (Canada) ("PIPEDA").
Scope and Application
The scope of our Privacy Protocol is as follows:
- The protocol applies to personal information about our individual customers and employees that is collected, used or disclosed by us.
- The protocol applies to the management of personal information in any form whether oral, electronic or written.
- The protocol does not impose any limits on the collection, use or disclosure of the following information by us:
- A customers name, address, telephone number and e-mail address, when listed in a directory or available through directory assistance;
- An employees name, title, business address (including e-mail address) or business telephone or fax number; or
- Other information about the customer or employee that is publicly available and is specified by regulation pursuant to PIPA, PIPEDA, or other applicable privacy legislation.
Our Ten Privacy Principles
We are committed to maintaining the accuracy, confidentiality and security of your personal information. As part of this commitment, we have established ten privacy principles that govern our information handling practices. These principles are:
Principle 1 – Accountability
We are responsible for personal information under our control and we have designated one or more persons who are accountable for our compliance with the privacy principles.
Principle 2 – Identifying Purposes for Collection of Personal Information
We identify the purposes for which personal information is collected at or before the time the information is collected.
Principle 3 – Obtaining Consent for Collection, Use, or Disclosure of Personal Information
We obtain the customer’s consent to the collection, use or disclosure of personal information except where required or permitted by law.
Principle 4 – Limiting Collection of Personal Information
We limit the collection of personal information to that which is necessary for the purposes identified. We only collect personal information by fair and lawful means.
Principle 5 – Limiting Use, Disclosure and Retention of Personal Information
We do not use or disclose personal information for purposes other than those for which it was collected, except with the consent of the individual or as permitted by law. We retain personal information only as long as is necessary and in conjunction with statutory requirements.
Principle 6 – Accuracy of Personal Information
Personal information is maintained in as accurate and up to date form as is necessary to fulfill the purposes for which it is to be used.
Principle 7 – Safeguarding Personal Information
We protect personal information by employing security safeguards appropriate to the sensitivity level of the information.
Principle 8 – Openness Concerning Protocol and Practices
We make information available to our individual customers and employees concerning the policies and practices that apply to the management of their personal information.
Principle 9 – Customer and Employee Access to Personal Information
Upon request, individual customers and employees will be informed of the existence, use and disclosure of their personal information, and be given access to it. Individual customers and employees may verify the accuracy and completeness of their information, and may request that the information be amended where appropriate.
Principle 10 – Handling Customer Complaints and Suggestions
Individual customers or employees may direct any questions or inquiries with respect to the privacy principles outlined above or about our practices by contacting our Ombudsman.
What Information is Collected?
Most of the information we collect comes directly from you and only with your consent. Your consent is granted either by your signature on an Information Release form, or by the information being provided by yourself directly. The information we ask for depends on the nature of your request and is limited to the information needed to process that request or to provide you with better service. If your information is being collected by telephone, the call may be recorded and/or monitored. If you are not comfortable with having your telephone calls recorded, you have the option of communicating with us in writing. Your communication should also request that we respond to you in writing.
How your Information is Used
We use your personal information to communicate with you, to deliver products and services you have requested. Telephone call recordings are used for quality assurance and/or training purposes; to establish a record of the information you provide to maintain quality service and to assist in staff training.
Disclosing Information to Outside Parties
We are required to keep your personal information confidential at all times, except under the following circumstances:
- When authorized by you; or
- When required or otherwise authorized by law or statutory requirements.
Safeguarding Your Information
We maintain security standards to ensure that your personal information is protected against unauthorized access, unauthorized disclosure, inappropriate alteration, or misuse. Our safety and security measures are appropriate to the sensitivity of the information.
Accessing and Amending Your Information
As an individual customer or employee you have the right to access, verify and amend the personal information held by our organization. At any time you are authorized to withdraw, or vary (limit) the consent given. When such action is taken, it is the responsibility of FCIC/MIC to explain to you the implications of such withdrawal, or variation, which may include termination of the protocol, or the inability to process a claim. To submit a request for access to your personal information, please contact our Ombudsman.
Questions, Concerns and Complaints
If you have question about our Privacy Protocol or have a concern or complaint about privacy, confidentiality, or our information handling practices, please contact our Ombudsman.
Contact Information
If you have any questions, please contact our Ombudsman, Helen Lambert, at:
320 Sioux Road
Sherwood Park, AB T8A 3X6
Ph: (780) 467-9575 ext 493
Fx: (780) 467-4016
Email: info@firstcanadian.ca
For a copy of PIPEDA, please access the Privacy Commissioner of Canada website at: www.privcom.gc.ca.
For a copy of PIPA, please access the Information Management, Access and Privacy website: www.psp.gov.ab.ca.
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