Privacy Policy

Last updated: September 30, 2026

Our Commitment to Your Privacy

We value your trust and understand how important your privacy is. That’s why we want to be transparent about how we collect, use, protect, and share your information. Your privacy matters to us, and we’re committed to keeping your personal information safe.

Our Privacy Principles

• We require any person or organization working on our behalf to protect your information.
• We do not share your personal medical information unless you give us permission, or the law requires us to do so.
• Whether you're a current, former, or prospective customer, we apply the same high standards of privacy protection to your information.

What Information We Collect

We collect, use, and share the information we need to:

• Provide you with the best products and services.
• Offer customer support and keep you informed about your policy.
• Recommend products that may be beneficial to you.

The types of information we may collect include:

• Your contact details (such as address, phone number, and email).
• Personal details (such as date of birth, medical history, and financial information).
• Details of your transactions with us (such as premiums paid and coverage amounts).
• Information from third parties (such as medical professionals, or government agencies).

How We Collect Information

We gather information in two ways:

• Directly from you when you apply for a policy, whether online, over the phone, or in person.
• From authorized third parties, such as healthcare professionals or regulatory agencies.

Your Online Privacy & Security

We use several measures to keep your online information safe:

• 128-bit encryption – We use Secure Sockets Layer (SSL) technology to encrypt your personal information during transmission.
• Limited access links – Your application can only be accessed for a short time through a unique link and PIN sent to your phone or provided by an authorized agent.

While we take strong precautions to protect your data, no system is entirely foolproof. The internet is an open network, and while we do our best to secure your information, we can’t guarantee it won’t be accessed or altered by unauthorized parties.

How We Use Your Information

We use your information to:

• Assess, underwrite and issue your insurance policy.
• Improve our products and customer experience.
• Offer additional financial and insurance products that may be relevant to you.

Some of these services are performed by trusted partners who are required to follow strict privacy policies.

When We Share Your Information

We only share your information when necessary and in accordance with privacy laws. This includes:

• Within our organization to better serve you.
• With our insurance partners.
• With trusted service providers who help us operate our business.
• With any person or organization you have authorized.
• When required by law or regulatory authorities.

Our partners must handle your personal information with the same level of care and protection that we do.

Your Consent Matters

We only collect, use, and share your information with your consent and for the purposes we've identified. You have the right to:

• Withhold or withdraw your consent (except where legal or contractual obligations apply).
• Understand how withdrawing consent may affect the services we can provide to you.

How We Protect Your Information

We take security seriously and have safeguards in place to prevent unauthorized access, use, or disclosure of your information. Our protections include:

• Secure storage and limited retention of sensitive data.
• Limited access to personal information within our organization.
• Regular reviews of our security practices.

How Long We Keep Your Information

If your quote or application does not result in an issued policy, we retain the personal information collected in connection with it for up to 2 years, after which it is securely deleted or destroyed. This period reflects applicable provincial requirements (which range from a minimum of 1 year in provinces such as Alberta and British Columbia, up to longer periods in other jurisdictions) balanced against your right to have your information kept no longer than necessary.

If your application results in an issued policy, we retain your information for as long as needed to service your policy and to meet our legal, regulatory, and audit obligations.

Accessing Your Personal Information

You have the right to request access to, correction of, or deletion of your personal information at any time. To do so, send a written request to kevinpledge@acceptiv.com, and we will let you know what information we have and whether any fees apply for access. In some cases, legal or privacy restrictions may prevent us from sharing or deleting certain details, but we will always explain why.

Have Questions or Concerns?

If you have any concerns about your privacy or how we handle your personal information, or need support, please reach out to our Privacy Officer at kevinpledge@acceptiv.com.

If you're not satisfied with our response, you can contact the Privacy Commissioner of Canada at:

112 Kent St, Ottawa, ON K1A 1H3

We appreciate your trust and are committed to protecting your privacy every step of the way!