Privacy policy
Liberty Mutual Canada (“Liberty”) provides a wide range of commercial insurance products and services to Canadian business.
The principles in this Privacy Policy guide our employees in collecting, using or disclosing personal information.
PERSONAL INFORMATION
“Personal information” means information about an identifiable individual. This includes details that are identifiable to an individual, such as date of birth, personal address and telephone number, family status, medical and health records, personal assets or income, driving record, previous insurance and claims experience. We collect this information only as necessary for the purposes described below, including to supply you with the insurance products we provide.
For the visitors of our website, we automatically capture server log file information such as your IP address, information about the devices you use to access the sites (e.g., browser type/version, OS type/version, device type/version), referring/exit pages, date/time stamp, and/or clickstream data including the page first visited, subsequent pages visited, keywords, search engines someone used to find our website and return visit, language preferences, time zone and browser. We use this information to administer our website, diagnose and fix technical issues and monitor the security of our environments. We may also use server log file information for other business purposes relating to the operation, improvement and enhancement of our website.
PURPOSES FOR COLLECTING AND PROCESSING PERSONAL INFORMATION
We collect, use and sometimes disclose personal information for the following purposes:
- Understanding insurance needs
- Assessing insurance applications and underwriting policies
- Supplying insurance products
- Evaluating and investigating claims
- Defending legal claims made against our insureds
- Detecting, investigating or preventing illegal activity, including fraud and money laundering
- Meeting legal and regulatory requirements (including those outside of Canada), such as those relating to anti-money laundering, sanctions and anti-terrorism as well as complying with our internal policies and procedures
- Providing information to you about upgrades to coverage and additional products and services
- Managing our IT environment and business operations, including ensuring security of the IT environment
- Achieving other legitimate business purposes, for example, to carry out research and analysis, including analysis of our customer base, brokers, and claims, develop new products, improve Liberty’s services, and to plan and execute business transactions (including joint ventures and business sales)
Liberty may also use, process or disclose personal information in order to offer other services and products available through Liberty or its affiliates. If as an individual, you would rather not have your personal information used for this purpose, please contact Liberty by email at privacycanada@libertymutual.com or call 1.800.461.5079.
INTEGRITY OF PERSONAL INFORMATION
Liberty safeguards the integrity of personal information by means appropriate to its sensitivity. Physical security is maintained over paper files and data security over digital files. Access is granted only to those who require it for authorized purposes. In addition, Liberty takes reasonable steps to maintain the accuracy of all information it collects, uses or discloses. Liberty also relies on its policyholders and its third-party suppliers (described below) to provide all material information and to notify Liberty of any changes.
Liberty will retain information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by applicable law.
CONSENT FOR THE COLLECTION, USE OR DISCLOSURE OF PERSONAL INFORMATION
At Liberty, personal information is collected primarily through various third-party suppliers such as insurance brokers, external claims adjusters and others, who have the responsibility of obtaining appropriate consent for the collection, use and disclosure of personal information.
Consent may be express and implied. Express consent is explicit and obtained through verbal or written means. Implied consent is inferred when the purpose for which personal information is collected is obvious by the very nature of the transaction. Collection of sensitive personal information, however, which is necessary in the context of insurance services, is always subject to express consent.
Consent to the collection, use and disclosure of your personal information can be withdrawn by notice in writing to our Chief Privacy Officer. While you may always withdraw your consent to our collection, use and disclosure of your personal information for marketing purposes, please note that any complete withdrawal of consent may result in our being unable to continue to provide insurance services to you.
DISCLOSING PERSONAL INFORMATION
To assist in the provision of insurance products and services, Liberty may make personal information available to:
- Affiliated Companies: Other Liberty Mutual affiliates may have access to and use of personal information in connection with the conduct of our business.
- Service Providers: External third-party service providers and Liberty’s affiliates in a service provider role, such as accountants, auditors, lawyers and other outside professional advisors; call center service providers; IT systems and management, IT support and security service providers; cloud providers, research and analytics service providers; claim investigators and adjusters; and similar third-party service providers that use the information on behalf of Liberty in carrying out business activities.
- Other Third Parties: To a counterparty to a transaction and its professional advisors in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings); to reinsurance companies.
- As Liberty believes to be necessary or appropriate: To comply with legal process, to respond to requests from public and government authorities including public and government authorities outside your country of residence, to detect and prevent fraud, to collect a debt owed to us, to investigate the breach of an agreement, the laws of Canada, or the laws of a province or a foreign jurisdiction, and for such other purposes as are permitted under applicable law.
These recipient organizations may only use your personal information for purposes for which you have provided consent or which are permitted by applicable law without your consent. In all cases they are obligated to protect the privacy of what they have been entrusted with.
PERSONAL INFORMATION TRANSFER OUTSIDE YOUR COUNTRY
Your personal information may be transferred to and processed in locations outside Canada and personal information originating from Quebec may be transferred outside of the province.
Currently, Liberty shares information with certain affiliated and non-related or unaffiliated organizations or companies, including service providers to process information for the purposes described in this Privacy Policy. These entities may be located outside Canada so that your information may be processed and subject to the laws of a foreign jurisdiction such as the United States of America and your information may be accessible to law enforcement and national security authorities in that jurisdiction.
We will take all steps reasonably necessary to ensure that your Personal Information is treated securely and in accordance with this Privacy Policy.
If you would like to learn more about our use of service providers located outside of Canada, please contact us at privacycanada@libertymutual.com.
ACCURACY AND ACCESS
Liberty keeps personal information only as long as it remains necessary or relevant for the identified purposes or for such longer period as required by law.
An individual has the right to request to access, review and, if applicable, correct the personal information held by us that concerns them. However, the right to access is not absolute and there are certain exceptions established by law. For example, if the information which is requested is subject to a legal privilege or is confidential commercial information, the request may be declined.
A request for access must be in writing using the contact information below and must provide satisfactory identification and proof of entitlement. A reasonable charge may be made for providing requested information.
HOW TO CONTACT US
Any individual who wishes to make inquiries about their personal information, or how it is used or disclosed, or wishes more information about Liberty’s personal information practices may write to:
Chief Privacy Officer
Liberty Mutual Canada
181 Bay Street, Suite 900
Toronto, Ontario M5J 2T3
privacycanada@libertymutual.com
This document may be amended from time to time. You may always obtain our most up-to-date version by contacting Liberty’s Chief Privacy Officer or by visiting our website at www.libertymutualcanada.com.
