Merlin Insurance: Legal & Privacy
Merlin Insurance inc. has posted this Privacy Policy because we recognize that individuals with whom we conduct business want to understand how information collected from them will be used.
Our commitment to your privacy
At Merlin Insurance inc., we acknowledge that online business brings new opportunities and new responsibilities. We embrace the opportunity to provide our comparative insurance quotation services to you in an open and personalized manner, but we share with you the responsibility of controlling the exchange, storage, and use of selected personal information.
Confidentiality is a priority for us and we take all the necessary measures to safeguard the strict privacy of the personal information contained in your file, whether you purchase your insurance through our service or not.
The information we collect
Merlin Insurance inc. collects information you agree to provide us with when registering for our automotive and/or home insurance quotation search. Information—such as your name, civic and email address, telephone number as well as driving and claims history—is collected and retained. We may also use this information in order to keep you informed of upcoming renewal and subscription information, and offer new insurance products and services that may be of interest to you. Anonymous information is collected mostly through standard analysis of our web-server and analytic log files. We may use this data to monitor which areas of the site are used most and to determine which areas we need to focus on improving. This data is used exclusively by Merlin Insurance inc. so that we may continue to improve the value of the services and information on the website.
Entering personal data on Merlin Insurance inc. is not only easy but also safe. We use SSL (Secure Socket Layer) protocol, which is among the best Internet security software in the world along with VeriSign certificates for securing the exchange of confidential data. This security technology encrypts the personal information that you send us (including things like names, addresses, emails and telephone numbers), so it cannot be read by anyone as it travels over the Internet. We will evaluate and adopt new security technology as it becomes available.
Why we collect it
You can choose to visit our site without telling us who you are or revealing any personal information about yourself. If you do provide specific consent to obtain information, it is always to gather only the information needed to serve you better, and provide the right coverage and terms for you.
Third-party use of this information
From time to time, we must disclose information from your file to organizations or companies that are regulated and have a legitimate right to obtain it. They may include:
Firms, claims adjusters and representatives as defined in the Act respecting the distribution of financial products and services;
Evaluators;
Insurers, reinsurers and financial institutions or their regulatory body, the Autorité des marches financiers;
The Fichier central des sinistres automobiles for collection and conservation of information regarding driving claims history of insured;
The Société d'assurance automobile du Québec for information related to your driving record, namely demerit points, restrictions or sanctions affecting your driver's license;
Analysis firms regarding credit, risks and claims;
Law enforcement agencies or others.
In all cases, we ensure that the information is used with discernment and that your right to privacy is respected.
We will disclose the information we maintain when required to do so by law, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency request.
Our use of cookies
Merlin Insurance inc. quotation engine uses cookies to allow and facilitate your user session with us. During the quotation process, cookies store session information to ensure that the data is passed on in proper sequence from step to step. The cookie itself is stored on your own PC and does not contain any personal information.
Merlin Insurance inc. also uses third party Analytics Code to help us better evaluate the effectiveness of our advertising and to determine the behavior of visitors on our website in an effort to provide you with the most ongoing enhanced customer experience.
Transmitting Material to Us
Merlin Insurance inc. is not responsible for any damages resulting from the interception, loss of, or modification of any e-mail you have sent.
We would like to remind you that information sent by e-mail is not secure. We recommend that you take care to not include confidential information, such as your policy number, personal information, etc., when sending e-mail.
Our Emails to you
We are committed to maintaining the confidentiality of your e-mail address and not using it inappropriately. E-mail addresses collected are not be shared, sold or disclosed to any organizations that are not members of Merlin Insurance inc. and will only be used for the purpose of e-mailing you information about our products and services or to communicate with you information about your insurance or any offers likely to interest you. In addition, e-mails that we send do not contain personal or confidential information. You have the right to be removed from our mailing list at any time by unsubscribing here.
Consent
Your consent is required for the collection, use or disclosure of your Personal Information by us. When you voluntarily provide certain Personal Information to us, You are also giving your implied consent (if express verbal or written consent has not otherwise been requested) for us to collect, use and disclose that Personal Information to fulfill the identified purposes. The applications, forms and documents We use include points pertinent to your authorization, which allows us to collect, use or disclose Personal Information concerning You. It is important to read all such points carefully.
Rarely, and in very specific circumstances as allowed under the law, We may collect, use or disclose Personal Information without your consent. You may withdraw your consent at any time, with reasonable notice, subject to legal or contractual obligations which must be fulfilled by us. Withdrawal of consent may prevent us from providing You with the requested insurance products or services, including processing an application for insurance and processing a claim.
Accessing Your Personal Information
You have the right to access your personal information. We will make it our pleasure to provide you with your file. Simply send your written request to the address provided below and one of our insurance representatives will ensure to have your file sent to you via regular mail.
While Merlin Insurance inc. strives to ensure that the personal information in your file is accurate and up to date. However, should you notice an error or any information that needs to be updated to reflect a change in your current situation – let us know so that we can make the necessary corrections. Take due note, that in some exceptional cases, transcript, reproduction or shipping costs may apply.
For all questions regarding the confidentiality of your personal file and complaints please make a formal request in writing:
Address:
Merlin Insurance inc.
1500 Av Atwater
PO Box 56032
Montréal, Québec
H3Z 3G3
Call Recording and Monitoring
For both training and quality of service purposes - it is possible that telephone conversations may be recorded or monitored.