At Lowsurance and its affiliated brokerage partners (“Lowsurance,” “we,” “our,” “us”), safeguarding your privacy is a top priority. This Privacy Notice outlines our practices regarding the collection, use, disclosure, and protection of your personal data, in compliance with Canadian privacy legislation.
Acceptance of Privacy Policy
By utilizing our services, you acknowledge and agree to the terms outlined in this Privacy Policy. If you do not consent, please refrain from accessing our services.
Information We Collect
We gather personal information necessary to deliver and manage your insurance policies and related services. This may encompass:
- Identification Details: Name, date of birth, address, contact numbers, email addresses.
- Financial Data: Payment information, credit history, billing details.
- Insurance-Related Information: Policy specifics, claims history, risk assessments.
- Technical Data: IP address, device type, browsing activity when visiting our website.
- Communication Preferences: Your choices regarding marketing and correspondence.
How We Use Your Data
Your information helps us to:
- Provide, enhance, and administer our insurance offerings.
- Verify your identity and prevent fraudulent activities.
- Notify you about policy updates, renewals, and customer service matters.
- Fulfill legal and regulatory obligations.
- Offer tailored recommendations and promotional offers.
Sharing Your Information
We do not sell your personal data. However, we may share information in the following scenarios:
- With Our Affiliate Brokers: Subject to your explicit consent, your data may be shared within Lowsurance’s network to present additional products and services relevant to you.
- Third-Party Service Providers: We engage trusted partners—such as IT support firms, payment processors, and claims administrators—to assist in delivering our services.
- Legal Compliance: When required by law or to protect our rights, we may disclose your information to authorities or legal entities.
Consent for Communications
By giving your permission, you agree to receive electronic messages from Lowsurance and its associated brands, including promotional offers, updates, and product suggestions. You can withdraw your consent at any time via your account settings, the unsubscribe link, or by contacting our Privacy Office at Info@Lowsurance.com. Once revoked, your data will no longer be shared for cross-promotional purposes.
Data Security Measures
We adopt robust security protocols to protect your personal information, including:
- Encryption: Sensitive data is encrypted to prevent unauthorized access.
- Access Controls: Strict authentication procedures ensure only authorized personnel can access your data.
- Staff Training: Regular training sessions keep our team informed about privacy and security best practices.
Data Retention and International Storage
Your data is retained only as long as necessary to fulfill the purposes outlined here and to meet legal requirements. Additionally, your information may be stored or processed outside Canada, in jurisdictions with different data protection laws. In such cases, we implement safeguards to maintain your privacy and data security.
Your Privacy Rights
Depending on your province of residence, you may have rights to:
- Access and obtain copies of your personal information.
- Correct inaccuracies or update your data.
- Withdraw consent for specific data uses.
- Request deletion of your information, subject to legal constraints.
You can submit concerns or complaints regarding our handling of your privacy to our Privacy Officer. We commit to investigating and resolving all issues appropriately.
Links to Third Parties and Tracking Technologies
Our website may contain links to third-party sites; we are not responsible for their privacy practices. We also use cookies and similar tools to improve user experience, analyze traffic, and personalize content. You can adjust your cookie settings through your browser.
Children’s Privacy Notice
Our services are not directed at children under 18, and we do not knowingly collect personal data from minors without parental consent.
Policy Updates
We may revise this Privacy Policy periodically. Any updates will be posted on our website with an updated effective date to keep you informed.
Contact Information
For questions, comments, or privacy concerns, contact our Privacy Officer at:
Email: info@lowsurance.com
Mailing Address:
Privacy Officer
Lowsurance
351 King St. E, Suite 801
Toronto, ON M5A 0L6
Addressing Complaints
If you have any complaints regarding our privacy practices, you may submit a written concern to our Privacy Officer. We will review and address all issues promptly.
Last Updated: July 3rd, 2025.