We are committed to protecting your personal information and the information you transmit to us. Procedures have been put in place to protect your data and to try and prevent unauthorized access.  

Terms of use

When you access the Web site property of LA TURQUOISE including all information, materials, texts, illustrations, graphics and images (the "Site"), you accept and agree to be bound by and comply with the agreement regarding the use of this Site (the "Agreement"), the terms and conditions of which are described below, as well as at other locations on the Site.

We reserve the right, at our sole discretion, to modify the terms and conditions at any time without any notice to you. Such modifications are effective immediately upon posting. You agree to be bound by such modifications through your continued use of this Site. We strongly recommend you revisit these terms and conditions periodically and your continued use of this Site will be deemed your conclusive acceptance of any modification.

These terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term or condition posted on this Site. Please take a moment to become familiar with the terms and conditions. If you do not accept these terms and conditions, you should immediately discontinue the use of this Site.

Privacy Promise

LA TURQUOISE is committed to protecting your privacy. We created this Privacy Promise as a means to inform you of our privacy practices. This Privacy Promise outlines our responsibilities and your rights when it comes to the collection, use and disclosure of your personal information. 

How we collect personal information 

The information we collect depends on the insurance products you apply for and buy, the services you have access to and use, the payment method you use, and the way you communicate with us. We collect information in a number of ways:

i)   Information you disclose to us 

We collect personal information from you when you inquire about our insurance policies, request a quote, apply for insurance, make a payment, or file a claim under your insurance policy. This information includes personal information such as your name, contact information, marital status, and payment or banking information.

ii)   Information collected from third parties 

We also collect information from a number of third parties, where permitted by law. These include government agencies, consumer reporting agencies, and other third parties who can provide information about or services related to you. When we do so, we do it with your consent, or otherwise confirm the third party lawfully collected the information and can share it with us.

iii)   Calls, online chats and other communications 

We may record calls, online chats and other communications between us to ensure quality customer service, confirm our discussions and your instructions, resolve complaints, and train our staff. If you do not want your communications recorded, you can do business with us by visiting one of our offices, or by writing or emailing us.

iv)   Cookies, web beacons and other technologies

We may use cookies, web beacons and other technologies to identify you on our website, to gather information about how you use our website, and to enable our and third party web-based services.

Why we collect, use and disclose information

We collect, use and disclose personal information for a number of reasons, including to:

a)  Serve you better and communicate effectively with you.

b)  Verify your identity.

c)  Assess and underwrite insurance risks.

d)  Determine prices, fees and premiums.

e)  Investigate and adjust insurance claims.

f)  Settle or arrange for the settlement of insurance claims, including structured settlements.

g)  Promote and market products and services offered by us, our affiliates, or our strategic partners and alliances, which may include insurance companies, insurance brokers, and other intermediaries.

h)  Conduct market research.

i)  Recognize and deliver relevant ads to you on our and third party websites and apps.

j)  Verify and provide information to and compile statistics for insurance industry databases.

k)  Report to regulatory or industry entities consistent with prudent and legally required insurance industry practices.

l)  Detect, prevent and suppress fraud, unauthorized, or illegal activities.

m)  Comply with all applicable laws, including tax requirements.

n)  Share your information with third party service providers for external processing such as data or payment processing.

o)  Share your information among our affiliates for any of the above purposes.
 

Disclosing information

When we disclose your personal information to third parties, we require them to protect and handle your personal information in a manner consistent with our privacy practices and all applicable laws. These third parties may at times process and store your information outside of Canada. If your personal information is processed or stored in a foreign country, it will be subject to that country’s laws and may be disclosed in accordance with those laws.

i)   Business transactions

If we enter talks about a merger, acquisition or asset sale with a third party, we may share your personal information with them, as necessary, to assess or complete the business transaction. If your information will be subject to new privacy practices as a result of a business transaction, we will give you notice of this.

Correcting and accessing your information

You have the right to request correction of your personal information. You also have the right to access your personal information under our control, subject to any legal restrictions or rights of refusal. However, if you exercise this access right, we may charge you a reasonable fee for copying and sending the information from your file. If you want to access your file or have it corrected, please contact us.

Withdrawing your consent

You may withdraw your consent to the collection, use and disclosure of your personal information, subject to certain limitations. However, if you do so, we may not be able to continue to provide you with our insurance products and services, or our best rate on your insurance policy. You may also withdraw your consent to the collection, use and disclosure of your personal information for marketing practices. If you want to withdraw your consent, please contact us.

Refund policy 

You may obtain a full refund of your online insurance purchase (including the premium, taxes and fees) and training fees provided your refund request is made before the effective date of your policy.

However, if you wish to request a refund after the effective date of the policy, you must send us a signed written notice confirming the date of termination of your insurance policy. The premium refund will be calculated according to the short-term cancellation table. Policy issue fees are not refundable.

For all other information, please contact us at: info@laturquoise.ca