Welcome to TIP Services, an insurance agency along with our parent company and affiliated entities (collectively referred to as “TIP Services”, “we”, “us”, and/or “our”). Our website, www.tipservices.ca (the “Site”), serves as a platform offering online insurance brokerage, insurance quote comparison, insurance advisory, and related services (the “Services”). We hold your privacy in high regard and are committed to safeguarding your personal information. This Privacy Policy outlines our practices regarding the processing of personal information pertaining to you and the types of personal information we may collect from or about you when you utilize our Site or Services. Additionally, it elucidates how we utilize, maintain, store, and disclose personal information. We encourage you to review this Privacy Policy thoroughly before accessing or utilizing our Site or Services.

By accessing or utilizing our Site or Services, you acknowledge your acceptance of this Privacy Policy and consent to abide by its provisions, including those concerning the collection, utilization, disclosure, storage, and other processing of your personal information as delineated herein. You retain the option to withdraw your consent at any time; nevertheless, should you opt to do so, please be aware that it may impact our ability to provide you with access to or use of the Site or the Services.

This Privacy Policy is an integral component of our Terms of Service, which can be found here: [link to Terms] (the “Terms”). Your acceptance of the Terms, inclusive of this Privacy Policy, constitutes a binding legal agreement between you and TIP Services. We urge you to meticulously review both the Terms and Privacy Policy. Should you disagree with either this Privacy Policy or the Terms, we kindly request that you refrain from accessing or utilizing our Site, Services, or any information presented or accessible via the Site and/or Services.

For details regarding the sharing of your personal information with insurers, please refer to the section titled "Sharing Your Personal Information with Insurers" below.

This Privacy Policy is applicable within Canada.

TIP Services adheres to the regulations outlined in the Personal Information Protection and Electronic Documents Act (Canada) as well as relevant provincial privacy legislation in Canada. It's essential to recognize that privacy laws may differ across various jurisdictions. By accessing the Site and utilizing our Services over the Internet, you acknowledge and consent to the potential transfer of your information, including personal information, across national borders, and its storage or processing in accordance with the terms outlined in this Privacy Policy.

Given the limited scope and application of this Privacy Policy, the rights and obligations contained herein may not align with privacy requirements in all jurisdictions. If you are accessing this website from a location outside of Canada, please note that by providing your personal information, you are consenting to: (i) the collection, processing, maintenance, and transfer of your personal information to Canada, which may not have equivalent data protection laws as your country of residence, and (ii) the utilization of your personal information in compliance with this privacy policy and Canadian laws.

Updates to this Privacy Policy

TIP Services reserves the right to amend this Privacy Policy at any time to reflect alterations in our business operations, legal or regulatory obligations, or our approach to handling your personal information. Any revised version of this Privacy Policy will be published on our Site, with the date of the latest update noted at the bottom of the page.

Should we implement any substantial changes, we will notify you in accordance with legal requirements. However, we encourage you to regularly review this Privacy Policy for updates. Your continued use of the Site and Services subsequent to an update or modification to this Privacy Policy implies your consent to the collection, utilization, maintenance, storage, disclosure, and other processing of your personal information as outlined in the revised version of the Privacy Policy. If any amendment or adjustment is unacceptable to you, you must discontinue using this Site and Services.

What Constitutes Personal Information?

Under the parameters of this Privacy Policy, personal information encompasses any data relating to an identifiable individual.

Personal Information We Gather

In our interactions with individuals, we gather and retain various types of personal information. This may encompass, but is not confined to:

• - Contact and identification details, such as your name, address, postal code, telephone number, and email address.
• - Demographic particulars, including your age, date of birth, citizenship/residency status, marital status, and gender.
• - Health and medical data, such as your height, weight, and smoking status.
• - Employment specifics, like your occupation, length of employment, and weekly working hours.
• - Driving and insurance background.
• - Financial information, encompassing debt, mortgage details, and related data.
• - Any supplementary personal information you furnish while utilizing the Site and Services, including information submitted through our insurance quoting tools and other available tools and applications.

How We Obtain Personal Information

As a standard practice, TIP Services acquires personal information directly from you. In instances where your personal information is held by a third party, we typically secure your consent before accessing this data from such sources. This consent may be provided directly by you or inferred from your actions. On occasion, we may enlist the services of third parties, who may furnish us with personal information collected during the provision of their services or through other means. In such scenarios, we take reasonable measures to verify that these third parties have confirmed their authority to disclose your personal information to us.

Information Shared with Us

A pivotal aspect of comprehending our clients' distinct insurance requirements involves gathering information from users of this Site. To access certain sections and functionalities of the Site and Services, you may be prompted to:

• - Provide specific personal information to view quotes (or quote-related details).
• - Establish an account with us.
• - Evaluate your insurance needs, which may entail completing an insurance needs assessment.
• - Fill out an online application.
• - Engage in a user survey or contribute to our blog.

In the course of utilizing the Site or Services in this capacity, you might need to furnish certain personal information, as outlined on the Site. The type of personal information collected from you will hinge on the section of the Site or the nature of the Service you are utilizing or accessing. Please be advised that the manner in which we utilize the personal information you provide will vary depending on the Service involved or requested by you.

Examples of Interactions and Submission of Personal Information on Our Site and Service:

1. Preliminary Quotes: Should you opt to acquire a preliminary quote via the insurance quoting tool(s) on our Site, you will be required to furnish demographic information such as your gender, date of birth, postal code, smoking status, mortgage details, and Canadian citizenship/residency status. This information is utilized to generate a preliminary quote tailored to your specifications.

2. Refining Quotes: You have the opportunity to procure more personalized quotes by providing additional personal information, which may include your height, weight, tobacco usage, specific medical and driving history, family medical history, alcohol and drug abuse history, occupation, and employment history. These details enable us to refine the initial preliminary quote provided to you.

3. Account Creation: We may extend an invitation for you to create an account by supplying certain additional personal information like your name, email address, and phone number. This account allows you to save, access, and retrieve your quote information. Your email address facilitates sign-in to your account for the purpose of accessing and retrieving your saved quotes. Following registration, you will be presented with options for insurance product details and/or comparisons and/or pricing guidance. If product comparison options are unavailable, we will suggest contacting us or our representatives for assistance tailored to your unique requirements.

4. Contact and Assistance: Your contact information, such as phone number and email address, is utilized to reach out to you regarding your requested quote information and to offer assistance in addressing any queries related to your quote. Additionally, you may be encouraged to contact us or our representatives for personalized assistance.

5. Application Preparation: Should you decide to prepare an application for a specific policy, you may be prompted to provide further information on our Site, including marital status, physical address, specific employment and financial details, current insurance ownership, and other pertinent questions. It's important to note that we may also gather information from you during subsequent interactions with our Site or Services, including telephone calls, emails, or other forms of communication.

6. Application Submission: If you opt to submit an application to an insurer (either through our Site or Services or via the insurer’s own platform), you may be required to provide additional personal information during the completion and submission of the application. You will also need to agree to the insurer’s terms, conditions, and policies governing the collection, use, and disclosure of personal information included in your application. Your submitted personal information will be subject to the insurer’s privacy policy, and we advise reviewing it before proceeding with the application. Rest assured, we do not transmit any information to an insurer until the application is finalized, and you authorize us to submit it on your behalf.

7. Insurance Needs Assessments: Opting to utilize our Site and Services for an insurance needs assessment may entail providing details such as your name, email address, age, postal code, homeownership status, investment property ownership, mortgage status, vehicle ownership, marital status, dependent status, employment status, annual income range for yourself and your household, and current insurance coverage details. This aids in identifying your coverage risks and gaps across various life stages and lifestyle choices, enabling us to recommend suitable products and coverage to safeguard your interests.

8. Calculating Insurance Coverage: You may choose to utilize our Site and Services to calculate the appropriate amount of insurance coverage required or for which you may be eligible, across different insurance needs like life insurance, critical illness insurance, mortgage insurance, or disability insurance. In this scenario, you may be asked to provide information such as your occupation, annual income, outstanding debts, number of dependents, estimated future spending needs for yourself and your family, existing insurance coverage, employment tenure, and related details. This assists in determining the optimal insurance coverage tailored to your circumstances.

Personal Information Received from Third Parties

While our primary method of collecting personal information is directly from you, there are instances where we may receive your personal information from third-party sources. In such cases, we typically secure your consent before obtaining this information from these sources, whether provided directly by you or implied from your actions. Periodically, we may engage the services of third parties who may provide us with personal information gathered during their provision of services on our behalf or through other means.

For instance, we may obtain information about you from insurers and their representatives to whom you have requested that we submit an application on your behalf. These insurers may gather additional personal information directly from you during the insurance application process, which they may subsequently disclose to us. In such situations, we take reasonable measures to ensure that these third parties have confirmed their authority to disclose your personal information to us.

Additional Information Collected During Site Usage

In addition to the personal information you may voluntarily provide, we automatically gather certain device and statistical data to enhance the functionality of our Site for your benefit. For instance, we collect details such as the IP address, network connection, device domain utilized for Site access, operating system on your device, device settings, browser type and version, crash data, other unique device identifiers, the mobile application or website through which you accessed our Site, the entry and exit points of the pages visited, any searches conducted, pages or advertisements viewed within our Site associated with that IP address, and your geographical location.

This information is utilized to monitor the performance of our Site, including metrics like the number of visits, average time spent, and page views, and serves our business objectives, such as ongoing enhancements to our Site.

Our Site utilizes cookies and similar technologies ("Cookies"). A Cookie is a small file comprising letters and numbers that may be set on your device to store and occasionally track information about your activities. The Cookies and similar technologies we employ are primarily for analytics purposes, allowing us to differentiate you from other Site users. This aids in providing you with an optimal browsing experience and enables us to enhance our Site functionality.

We employ the following types of Cookies:

Strictly Necessary Cookies: These Cookies are essential for the operation of our Site. They facilitate functions such as remembering information you've entered into an online form.

Preference Cookies: Also referred to as "functionality cookies," these cookies enable our website to recall choices you've made previously. This could include language preferences or login credentials, allowing for automatic login.

Statistics/Performance Cookies: These Cookies enable us to recognize and tally the number of visitors, as well as track their navigation patterns across our Site. This aids in enhancing the functionality and user experience of our website by ensuring that users can easily find the information they seek.

Targeting/Marketing Cookies: These Cookies track your visits to our Site, the pages you've viewed, and the links you've clicked on. We utilize this information to tailor our website content and advertising to be more relevant to your interests.

Additionally, we may utilize third-party Cookies and other tracking technologies provided by our third-party service providers to monitor and administer your usage of our Site and Services. Here are a few examples of the services we utilize or receive from third parties:

Here are examples of third-party services we may utilize or receive information from:

1. Google Analytics: We may utilize Google Analytics to analyze the usage of our Site. This analytical tool collects standard internet log information and visitor behavior data in an anonymized manner. This data is then used to assess visitors' interactions with the Site and compile statistical reports on website activity. To opt out of being tracked by Google Analytics across all websites, you can visit Google’s opt-out page. . [Google’s Opt-out page: https://tools.google.com/dlpage/gaoptout]

2. Mailchimp: We may use Mailchimp and similar email platforms for sending marketing and transactional emails. These services may collect information and utilize Cookies and other tracking technologies to gather data on your device and interaction with emails. They also collect metrics related to email deliverability to improve our Services. For further details, please refer to Mailchimp’s privacy policy.

[Intuit Privacy Policy: https://www.intuit.com/privacy/statement/#3._Privacy_for_Contacts

Mailchimp Security: https://mailchimp.com/about/security/

Mailchimp Legal: https://mailchimp.com/legal/

3. Hotjar: We may utilize Hotjar to better understand user experience and gather feedback to enhance our service. Hotjar uses Cookies and other technologies to collect data on user behavior and devices in a pseudonymized manner. For further details, please refer to Hotjar’s privacy policy.

[Hotjar’s Privacy Policy: https://www.hotjar.com/legal/policies/privacy/]

4. Intercom: We may use Intercom for communication purposes and to understand your usage of our services. Intercom collects data for analytics purposes and tracks user relationships using Cookies and similar technologies. For more information on Intercom’s use of Cookies and its privacy practices, please refer to Intercom’s privacy policy.

[Intercom’s Privacy Policy: https://www.intercom.com/legal/privacy

Intercom’s Cookie Policy: https://www.intercom.com/legal/cookie-policy

Intercom’s Terms of Use: https://www.intercom.com/legal/terms-and-policies#terms ]

5. Heap Analytics: We may utilize Heap Analytics, provided by Heap Inc., to analyze how users interact with our Site. Heap uses Cookies to collect data on Site usage. For more information, please refer to Heap Analytics Privacy Statement.

[Heap Privacy Policy: https://www.heap.io/privacy ]

6. Zoho: We may use Zoho as our customer relationship management (CRM) database to securely store user information. For Zoho’s Privacy Policy, please refer to their website

[Zoho Privacy policy: https://www.zoho.com/privacy.html ]

7. Calendly: We may work with Calendly LLC to allow Site visitors to schedule online calls or meetings with us. For Calendly's Privacy Policy, please refer to their website.

[Calendly Privacy Policy: https://calendly.com/legal/privacy-notice#cookies-and-other-tracking-mechanisms ]

8. Facebook Analytics: To understand how our customers use the Site and to create remarketing campaigns and targeted advertising, we may use Facebook Analytics. For Facebook’s Privacy Policy, please refer to their website.

[FB Privacy: https://www.facebook.com/privacy/policy/?entry_point=data_policy_redirect&entry=0 ]

9. Twitter Analytics: To understand how our customers use the Site and to create remarketing campaigns and targeted advertising, we may use Twitter Analytics. For Twitter’s Privacy Policy, please refer to their website.

[X Privacy: https://twitter.com/en/privacy ]

10. LinkedIn Analytics: To understand how our customers use the Site and to create remarketing campaigns and targeted advertising, we may use LinkedIn Analytics. For LinkedIn’s Privacy Policy, please refer to their website.

[Linkedin Privacy: https://www.linkedin.com/legal/privacy-policy] ]

We may share your non-personal information with third parties in an anonymized or aggregated form, designed to prevent identification of individuals, for the purpose of enhancing our services. We reserve the right to retain non-personal information indefinitely.

Most internet browsers offer options to manage Cookie functions and customize your privacy and security preferences. To learn how to do this, you can access the "help" menu on your internet browser or visithttps://www.aboutcookies.org/how-to-control-cookies/. Please be aware that disabling our Cookies may limit your ability to utilize all features of our Site to their fullest extent.

We gather statistics concerning the usage of the Services accessed through the Site. While this information will be treated as confidential, aggregate statistics that do not personally identify individuals may be retained by us. These aggregate statistics may be shared with other members or third parties.

We collect your personal information solely for the purpose of providing you with the products and services available through our Site and to manage, maintain, and develop our operations. Here are some examples of why we collect your personal information:

What is the purpose behind gathering your personal information?

1. Fulfilling Your Requests: This includes reviewing and assessing your insurance needs, identifying appropriate insurance products and quote information, processing your insurance application(s), or any other purposes initiated or requested by you.

2. Participation and Subscription: Allowing you to participate in, subscribe to, or receive services and communications from us.

3. Relationship Management: Establishing, maintaining, and managing our relationship with you, which may involve contacting you via SMS, phone, fax, or email to provide requested services or communications.

4. Service Delivery and Enhancement: Delivering and improving services such as insurance quote comparison, insurance advisory, brokerage, and overall customer service.

5. Application Submission: Submitting applications to insurers on your behalf in connection with your use of our Site and Services.

6. Information Passing to Insurers: Passing necessary information to insurers to complete applications, determine policy pricing and risk categorization, and secure insurance policies.

7. Policy Pricing and Risk Categorization: Determining appropriate policy pricing and risk categorization.

8. Understanding Preferences: Understanding your preferences, needs, and interests to customize the Services experience and improve customer satisfaction.

9. Analysis and Evaluation: Conducting analysis and evaluations to understand usage trends, consumer needs, and to enhance our Site, Services, communications, and operations.

10. Statistical and Anonymized Reports: Generating statistical and anonymized reports, analysis, predictive models, rules, and insights using aggregated information about you and other customers.

11. Customer Support: Assisting our team and third-party service providers in responding to your needs and questions.

12. Compliance: Ensuring compliance with applicable laws and regulatory requirements.

13. Intellectual Property and Privacy Rights: Addressing intellectual property, right of privacy, or defamation issues related to content you have posted on the Services.

14. Other Purposes: Any other reasonable purpose to which you consent.

We prioritize safeguarding your personal information and ensure its usage is in compliance with applicable laws and regulations.

By agreeing to the collection, utilization, and disclosure of your personal data via the Site, you authorize us to fulfill the intended purposes for which your personal data is gathered. In instances where we gather your data for research and development endeavors, we guarantee that any data employed for analysis and reports will be de-identified and aggregated to prevent your identification.

Our utilization of your personal data

The utilization of your personal information may include:

1. Compliance with applicable laws or regulatory requirements.

2. Pursuance of the purposes outlined in this Privacy Policy.

3. Engagement in additional purposes upon obtaining your consent.

In instances where permitted or mandated by applicable law or regulatory requirements, we may employ your personal information without explicit knowledge or consent.

How we engage in communication with you

We will seek your consent before sending any commercial electronic messages, unless an exception under Canada’s Anti-Spam Legislation is applicable. You will be provided with the option to opt-out of receiving commercial electronic messages at any juncture. In the context of your usage of the Site and Services, we may dispatch transactional and marketing communications, as detailed below.

Communications pertaining to transactions

We send notifications for specific activities related to your utilization of our Site and Services. Examples of transactional communications we may dispatch include emails and SMS messages when you:

• - Create an account
• - Set or change your password
• - Select insurance quotes
• - Complete an online insurance application
• - Schedule a call with us
• - Receive updates on your ongoing quotes and applications

Moreover, we may send you an access code to your registered mobile number to facilitate certain actions like login, password change, or password reset. Upon signing up for an account, we prompt you to set a password. When you attempt to set your password for the first time or request a password reset, we will dispatch a one-time access code via SMS to confirm your identity. Additionally, you have the option to log in to your account at any time by requesting a one-time access code, which will be sent to your phone number via SMS. This access code will be sent to the phone number provided during the signup process, allowing you to set or reset your password or log in to your account.

We utilize the Text Message/SMS service provided by Twilio to send you SMS/Text Messages, particularly for authentication purposes such as when you attempt to set a password to your account, request a password reset, or opt to login by requesting a one-time access code. For these purposes, we may share your registered phone number with Twilio to facilitate this service. For further details on Twilio's privacy practices, please refer to Twilio’s Privacy Statement at https://www.twilio.com/legal/privacy.

You can opt out of the SMS service at any time by simply texting “STOP” to the provided short code. Upon sending the SMS message “STOP,” we will confirm your unsubscription via an SMS message, after which you will cease to receive further SMS messages from us. If you wish to re-subscribe, you can reply with “START” to resume receiving SMS messages. In case you forget which keywords are supported, you can text “HELP” to us, and we will provide instructions on how to unsubscribe.

Although you have the option to unsubscribe from marketing communications as outlined below, please note that you will still receive service-related or transactional messages from us pertaining to your account.

By registering for your account or providing us with your contact details, you are granting consent to be contacted by us, our representatives, or affiliates via telephone, text message, email, fax, or any other means. We may utilize your email address, phone number, or other personally identifiable information (PII) for the following purposes:

(a) To contact you for administrative matters such as customer service.

(b) To address issues related to intellectual property, privacy rights, or defamation concerning content you have posted on the Services.

(c) To send you promotional materials, offers, and messages pertaining to our Services and the endeavors of third parties with whom we collaborate.

Marketing Communications

When you register for an account with us, utilize our Services, or subscribe to our newsletter, we will provide you with articles, news, blogs, reports, surveys, survey findings, and offers related to financial and consumer products available for purchase through our Site. Additionally, we may share offers for products and services that we believe may interest you. This marketing information may be delivered in the form of periodic newsletters sent via email.

If you wish to stop receiving future marketing emails, please contact us at contact@tipservices.ca, and we will promptly remove you from our marketing correspondence lists. You can also opt out of receiving marketing communications by utilizing the unsubscribe links provided in the messages.

Our approach to sharing your information

Furthermore, we may divulge your personal data to our affiliates, as well as to our respective employees, contractors, consultants, service providers, and other relevant parties who necessitate such information to aid us in overseeing our association with you. This encompasses third parties offering services to us either directly or on our behalf. For instance, but not restricted to these, we may share personal information with the following third parties:

• - Insurers, for the purpose of obtaining quotes, submitting, and processing insurance applications.
• - Insurance and paramedical service providers assisting insurers in completing medical and non-medical underwriting.
• - Operators of insurance industry databases to verify your application information.
• - Managing general agents, ensuring the completeness of applications, and passing completed applications to insurers.
• - Service providers conducting standard business functions on our behalf, including providing insurance quote information, hosting or developing website functionality, conducting research and data analysis, managing client servicing and communication tools, and providing marketing or promotional assistance.
• - Corporate affiliates, including any parent companies, subsidiaries, joint ventures, or other companies under common control with us.
• - Counterparties in the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, where some or all of the information may be part of the transferred assets.
• - Any other individuals or entities for purposes for which you have provided consent.

Your personal information may be disclosed:

• - For the purposes for which it was collected, as outlined in this Privacy Policy.
• - As permitted or required by applicable law or regulatory requirements.
• - To comply with valid legal processes such as search warrants, subpoenas, or court orders.
• - For any additional purposes for which you provide consent.

Sharing your personal information with insurers

Should you decide to apply to an insurer, either through our platform or directly through the insurer’s website or application, you may need to provide additional personal details during the application process. When you finalize and submit your application, you will be required to consent to the insurer’s terms, conditions, and privacy policies regarding the handling of your personal information. It’s essential to review the insurer’s privacy policy before proceeding with your application. Please note that we only forward your information to the insurer after your application is complete and you authorize us to do so on your behalf.

Sharing with third-party marketers

Your personal privacy is paramount to us. Without your explicit consent, we do not share your personal information with any third-party marketers. However, certain non-identifiable information, such as aggregated data and non-personal details like Site usage information, may be shared with third parties, as outlined in this Privacy Policy. Rest assured, we uphold strict standards to safeguard your personal data and only share it responsibly and in accordance with applicable regulations.

Sharing or transferring your personal information outside of Canada

As we may disclose your personal information to third parties as outlined in this Privacy Policy, it's important to note that your personal information may be gathered, utilized, processed, stored, or revealed outside of your residential jurisdiction, potentially including in the United States. Consequently, your personal information may be accessible to law enforcement and national security entities in other jurisdictions. Should you desire more details regarding our protocols and procedures concerning third parties (including our service providers) to whom we reveal your personal information, and how these parties handle personal information in terms of collection, use, disclosure, and storage, please reach out to our Privacy Officer using the contact information provided below.

By furnishing us with your personal information, you agree to our sharing of this data with our affiliates, employees, contractors, consultants, service providers, and other third parties, as delineated in this Privacy Policy. This includes entities that might be situated outside your residential jurisdiction. Such sharing is conducted for the purposes of managing your personal information on our behalf or yours, delivering services to us or to you, operating and maintaining the Site and our business, and for the other objectives outlined in this Privacy Policy.

We value your consent greatly

We prioritize obtaining your consent before collecting, using, or disclosing your personal information. Your consent may be implied, deemed (via an opt-out mechanism), or express, depending on the sensitivity of the information. However, we may collect, use, or disclose your personal information without your consent if permitted or required by law.

Typically, we will request your consent when collecting your personal information. In some cases, we may obtain consent after collection but before using or disclosing your information for a new purpose. If we intend to use or disclose your information for a purpose not previously specified, we will inform you beforehand.

You have the right to change or withdraw your consent at any time, unless restricted by legal or contractual obligations, by contacting our Privacy Officer. Withdrawal or modification of consent should be communicated in writing to our Privacy Officer. Please note that withdrawing or modifying your consent may affect our ability to provide requested services or communications. For instance, if you opt out of providing your email address, we may not be able to send you our newsletter.

Unless you inform us otherwise, your use of our Site, services, and communications indicates your consent to the collection, use, and disclosure of your personal information as outlined in this Privacy Policy.

Our approach to safeguarding personal information

We implement reasonable physical, technical, and administrative security measures to safeguard the personal information we collect from loss, misuse, unauthorized access, or improper disclosure. For instance, we utilize encryption technologies during the transmission of information to and from the Site and with our third-party service providers. Our Site is constructed on platforms incorporating the latest encryption and security devices. It's important to note that while these security measures are in place, no security technology is entirely foolproof. When communicating sensitive or personal information with us, please be aware that email is not a secure form of communication.

To enhance the security of your personal information and mitigate risks such as theft, damage, loss, or unauthorized access, disclosure, modification, or use of information, we employ an Apache server with Secure Socket Layer protocol. As new security tools become available, we continually assess and adopt them. We adhere to generally accepted industry standards to safeguard the personal information submitted to us, both during transmission and upon receipt. However, it's essential to recognize that no method of transmission over the Internet or electronic storage is entirely secure. While we strive to utilize commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Accessing Your Personal Information

If you wish to review, verify, or correct your personal information that we have received from or possess about you, please reach out to our Privacy Officer. All requests for access to personal information must be made in writing.

When making such a request, please be aware that we may need specific information from you to confirm your identity and entitlement to access. This helps us locate and provide you with the personal information we hold. There may be a fee associated with accessing your personal information, which we will notify you of in advance. If you require assistance in submitting your request, our Privacy Officer is available to help.

It's important to note that your right to access your personal information is not absolute. There are situations where applicable laws or regulations may permit or require us to withhold some or all of your personal information. Additionally, your personal information may have been deleted, anonymized, or otherwise rendered inaccessible according to our record retention policies. If we're unable to provide access to your personal information, we'll strive to explain the reasons why, within the constraints of any legal or regulatory obligations.

Retention of personal information

We maintain your personal information for a duration that is reasonably necessary for our interactions with you or as mandated by law, whichever is lengthier.

Testimonials

We might request a testimonial from you to share your thoughts on our Services. By providing such a testimonial, you acknowledge and consent to the use of any personal information contained within it for displaying the testimonial on our Site, related online platforms, digital channels, and in our promotional materials. In essence, if you submit a testimonial through our Site or a third-party platform, we may feature it on our Site or in other materials alongside the personal information you've provided. Should you wish for the testimonial to be removed, please reach out to us at contact@tipservices.ca.

Advertising

We may collaborate with third parties to showcase advertisements on our Site or manage our advertising on other platforms, including advertisements related to our clients' products. These third-party partners may utilize cookies or similar technologies to deliver advertising tailored to your browsing activities and interests.

External Sites Links

Our Site may feature links to other websites, which may adhere to different privacy standards. These links are provided for your convenience, but you assume all risks associated with clicking on them. We cannot be held responsible for the privacy practices, policies, or actions of third parties operating these websites. TIP Services does not control how such third parties collect, use, or disclose your personal information. It's advisable to review the privacy policies of these websites before providing them with personal information.

Moreover, please note that certain insurers may require you to submit applications through their own websites or electronic platforms instead of ours. If you choose to provide personal information through an insurer's website or electronic application, TIP Services is not accountable for how the insurer handles the information you submit. Prior to sharing your personal information with them, it's recommended to review the privacy policy applicable to the insurer's website or electronic application.

You have the option to request modifications to your data

Ensuring the accuracy and currency of the information in our records is crucial. If there are any changes to your personal information while we are in contact, kindly inform us. Although we strive to maintain accurate and complete data, you can contact us to request any necessary changes. Please submit a written request with your identification details and the specific correction needed. However, we may not fulfill requests to alter or remove information if such actions would breach laws or legal obligations, or render the information inaccurate.

Interpretation of this Privacy Policy

Our Privacy Officer will interpret this Privacy Policy. It includes examples but isn't limited to them; thus, "including" means "including without limitation."

This Privacy Policy doesn't grant individuals any additional rights beyond those conferred by privacy laws. If there's any inconsistency between this policy and privacy laws, the laws prevail.