Privacy Policy

1. Who We Are

AG Benefits Group operates as an independent insurance broker in Canada. We work with Managing General Agencies (MGAs), insurance carriers, and licensed advisors to provide group benefits, individual insurance, and financial services. We are not affiliated with any single insurance company and work in your best interests to find suitable coverage solutions.

2. Information We Collect

Personal Information:

• Name, email address, phone number, business name
• Company size, industry, and business information
• Current insurance coverage and needs assessment information
• Communication preferences and service inquiries

Technical Information:

• IP address, browser type, device information
• Website usage data and navigation patterns (when analytics are enabled)
• Referral sources and page interactions

Note: We do not currently use cookies or tracking technologies for advertising purposes. If we implement analytics or advertising tools in the future, we will update this policy and provide appropriate consent mechanisms.

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing Services: To respond to inquiries, provide quotes, and facilitate insurance applications
• Client Communication: To contact you about your requests, follow up on quotes, and provide ongoing service
• Referrals: To connect you with licensed insurance advisors, MGAs, and insurance carriers who can fulfill your coverage needs
• Service Improvement: To improve our website, services, and client experience
• Compliance: To meet legal and regulatory requirements in the insurance industry
• Record Keeping: To maintain accurate records as required by insurance regulations

4. Information Sharing and Disclosure

We may share your information with:

Insurance Partners:

• Licensed Insurance Advisors: We refer clients to qualified, licensed professionals who can provide insurance advice and coverage
• Managing General Agencies (MGAs): We work with MGAs who facilitate insurance placements
• Insurance Carriers: Your information may be shared with carriers including Manulife, Sunlife, Beneva, Telus Health, and other partners for quoting and underwriting purposes
• Third-Party Service Providers: Including PolicyAdvisor and other platforms that help facilitate quotes and applications

Legal Requirements:

We may disclose information when required by law, regulation, legal process, or governmental request, or to protect our rights, property, or safety.

5. How We Protect Your Information

We implement appropriate security measures to protect your personal information:

• Encryption: Our website uses SSL/TLS encryption to protect data transmission
• Secure Storage: Personal information is stored securely with access limited to authorized personnel
• Email Security: We use secure email systems with encryption and two-factor authentication
• Partner Due Diligence: We only work with licensed, regulated professionals who meet compliance standards
• Limited Retention: We retain information only as long as necessary for business and legal purposes

6. Your Privacy Rights

Under Canadian privacy laws, you have the right to:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Withdrawal of Consent: Withdraw consent for certain uses of your information
• Portability: Request your information in a portable format (where applicable)
• Complaint: File a complaint with privacy authorities if you believe your rights have been violated

To exercise these rights, contact us at [email protected]

7. Consent

By using our website and services, submitting a contact form, or requesting a quote, you consent to the collection, use, and disclosure of your personal information as described in this policy. We will obtain your express consent for sensitive information or when required by law.

You may withdraw your consent at any time by contacting us, subject to legal or contractual restrictions and reasonable notice.

8. Cookies and Tracking (When Applicable)

We currently do not use cookies or tracking technologies for advertising purposes. If we implement analytics (such as Google Analytics) or advertising tools in the future:

• We will provide clear notice and obtain consent where required
• You will be able to manage cookie preferences
• We will update this policy to reflect the types of cookies used
• Analytics data will be anonymized where possible

9. Third-Party Links

Our website may contain links to third-party websites, including insurance carriers, MGAs, and service providers. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary based on:

• Insurance industry record-keeping requirements
• Provincial and federal regulations
• Ongoing business relationships
• Legal and contractual obligations

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.

12. International Data Transfers

Your personal information is primarily stored and processed in Canada. Some service providers may be located outside Canada, including in the United States. When information is transferred internationally, we ensure appropriate safeguards are in place to protect your privacy.

13. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. We will post the updated policy on this page with a revised "Last Updated" date. For material changes, we will provide additional notice or obtain consent as required by law.

14. Contact Us

If you have questions, concerns, or requests regarding this privacy policy or our privacy practices, please contact us:

15. Privacy Complaints

If you are not satisfied with our response to your privacy concern, you may contact:

• Office of the Privacy Commissioner of Canada: www.priv.gc.ca
• Commission d'accès à l'information du Québec: www.cai.gouv.qc.ca (for Quebec residents)