Information Privacy and You
- Who we are
- IBC information privacy and you
- Why does IBC collect personal information?
- Can I see the personal information IBC has about me?
- How can I gain access to the personal information IBC has about me?
- IBC Privacy Principles
Who we are
Insurance Bureau of Canada (IBC) is the national trade association for non-government Property and Casualty insurers in Canada and is the service provider to the statistical agent for insurance regulators of participating jurisdictions, i.e. the General Insurance Statistical Agency (GISA). IBC is involved in a wide range of information activities: collecting data primarily from the insurance industry; processing and analyzing the data; and providing vital information to GISA, government industry regulators, individual insurance companies, and others. The processes we use in collecting, using and disclosing information have been driven, to a great extent, by the requirements of mandatory statistical plans (those statistical plans required by GISA), and other statutory authority and voluntary statistical plans (those plans established by agreement with voluntary participating insurers); by a variety of research programs; and by the need to support the prevention and detection of insurance fraud. IBC ensures that information and information systems are protected regardless of the media on which the information is stored, the systems that process it, or the methods by which it is transmitted.
IBC information privacy and you
The protection of individual privacy has always been, and continues to be, a fundamental objective of IBC. IBC has strict procedures for protecting the privacy of individuals. It collects, uses and discloses only enough personal information to serve its members and clients/customers efficiently and fairly, while complying with federal, provincial and territorial legislation. IBC does not use or disclose personal information for reasons other than those for which the information was collected, except with the consent of the individual or as permitted by law.
What is personal information?
Personal information is information about an identifiable individual. This includes a person’s name, address, and driver’s licence number.
One of IBC’s key roles is to develop statistical reports. Personal information is summarized or rendered anonymous and these statistical reports are published, without identifying individuals, for use by:
actuaries in the development of various rating differential
underwriters to determine the risk of exposure by classification
marketing and claims people to look at their market share and compare the experience of their own company to that of the industry
vehicle manufacturers and the insurance industry to research vehicle safety and educate consumers
IBC also uses or discloses personal information in order to:
assist insurers to properly and efficiently assess risk, set premiums and settle claims
provide assistance and support to law enforcement agencies and other investigative bodies in their efforts to detect and prevent insurance fraud
track and administer programs undertaken under applicable federal, provincial or territorial legislation
provide an audit trail of transfers of information between government agencies or ministries and the insurance industry as required by the government
Can I see the personal information IBC has about me?
Yes, IBC will provide you with access to your personal information records. However, there could be some limitations to our ability to respond to your request. For example:
Some of the information may not be organized in a manner that makes personal information accessible.
In providing the information, we may delete portions that disclose personal information about other individuals.
If you have concerns with the accuracy of the information, we will inform you of the organization that had sent us the information so that you can ask them to correct their records. In many cases, IBC merely has custody, not ownership of the information.
How can I gain access to the personal information IBC has about me?
A request must be made in writing to IBC’s Chief Privacy Officer (CPO), who is responsible for sending you a written response to your request within 30 days.
You must fully establish your identity (e.g., driver’s licence, health card or other government document that contains a personal address).
IBC may require you to pay a fee to offset the cost of retrieving the information.
Requests are to be sent to:
Chief Privacy Officer Insurance Bureau of Canada
777 Bay Street, Suite 1900
Toronto, Ontario M5G 2C8
Fax: (416) 644-4965