The Carleton Mutual
Insurance Company Privacy Code
Protecting the confidentiality of your personal information has
always been an important part of the way we do business. To ensure
that we protect your privacy, the Carleton Mutual Insurance Company
has adopted a Privacy Code. This Code sets out how and why we
collect and use personal information about our customers. It also
explains limited circumstances under which we may need or be
required to disclose it.
“Personal information” means information that
identifies you as a specific individual. It does not include the
sort of general information that could be found in a business
directory or a telephone book.
Effective January 1, 2004, the Government of Canada will implement
the last phase of the Personal Information Protection and
Electronic Document Act (PIPEDA). This federal statute will then
apply to insurance companies and many other industry sectors.
This legislation establishes rules and principles for the use and
disclosure of personal information based on the ten privacy
principles developed by the Canadian Standards Association. These
principles recognize that we live in an era when commercial
information is exchanged and circulated by electronic means. It
balances the individual’s right to privacy in their personal
information with the reasonable need of organizations to collect,
use or disclose personal information.
Under the new legislation, an organization may collect, use or
disclose personal information only for limited purposes that a
reasonable person would consider to be appropriate in the
The Personal Information Protection and Electronic Document Act
requires us to provide the same safeguards for your privacy that we
have always provided on a voluntary basis. Our Privacy Code sets
out these principles in simple terms. It explains how we ensure
that your privacy and the confidentiality of your personal
information are protected.
Our Privacy Code
The Carleton Mutual Insurance Company’s Privacy Code is based
on the following ten principles adopted by the Personal Information
Protection and Electronic Document Act (PIPEDA).
Principle #1: Our Accountability
for the Collection, Use or Disclosure of Personal
As a customer of the Carleton Mutual Insurance Company, you have a
right to expect that your insurer is accountable for the personal
information it collects and uses. “Customer” means a
current and former insured, an applicant for insurance, a claimant
under one of our policies as well as an individual insured as part
of a group or corporate policy.
Principle #2: Identifying Our
Purpose for the Collection, Use or Disclosure of Personal
Before or when we collect information about you, we will explain
how we intend to use it. The Carleton Mutual Insurance Company
collects personal information only for the following purposes:
Principle #3: Obtaining Your
Consent for the Collection, Use or Disclosure of Personal
The Carleton Mutual Insurance Company will make a reasonable effort
to make sure that our customers understand and consent to how their
personal information will be used by the Company.
Principle #4: Limiting Our
Collection of Personal Information
We will always limit the collection of personal information to that
which is necessary for the identified purposes. Typically, this is
information that is required to enable us to underwrite your policy
of insurance and charge a fair premium. We may need to collect
personal information from other sources including credit bureaus.
Principle #5: Limiting the Use,
Disclosure and Retention of Personal Information
Personal information will not be used or disclosed for purposes
other than for which it was collected, except with your consent or
as permitted or required by law. Your personal information will be
retained only as long as it is necessary to fulfill those purposes.
Principle #6: Keeping Your
Personal Information Accurate
The Carleton Mutual Insurance Company makes every effort to ensure
that personal information about its customers is as accurate,
complete, and up-to-date as is necessary for the purposes for which
it was collected.
Principle #7: Safeguarding Your
The Carleton Mutual Insurance Company takes steps to protect
personal information with security safeguards appropriate to the
sensitivity of the information.
Principle #8: Openness Concerning
our Privacy Practices
The Carleton Mutual Insurance Company pursues a policy of openness
about the procedures it uses to manage personal information. We
will make specific information about our policies and practices
relating to the management of their personal information available
to customers upon request.
Principle #9: Customer Access to
The Carleton Mutual Insurance Company informs its customers of the
existence, use, and disclosure of their personal information upon
request and provides access to that information. Our customers are
able to challenge or correct the accuracy and completeness of their
personal information and have it amended when appropriate.
Principle #10: Challenging
A customer has the right to challenge the Carleton Mutual Insurance
Company’s compliance with the above principles by contacting
the privacy officer accountable for our compliance with the policy.
Our privacy officer will investigate all complaints concerning
justified, we will take appropriate measures to resolve the
complaint including the amendment of our policies and
In exceptional circumstances, the privacy officer accountable for
where appropriate before providing a final response to individual
For Further Information
For more information, please contact our
privacy officer directly through our Website
or by calling the
Company Head Office.
Carleton Mutual Insurance
Copyright 2003, Canadian Association of
Mutual Insurance Companies (CAMIC)
Association canadienne des
compagnies d’assurance mutuelles (ACCAM)