Your privacy is very important to us. Protecting your privacy and the confidentiality of your personal information is fundamental in striving to ensure all our customers experience a safe and secure environment with respect to the collection, use and disclosure of your personal information with Nuera Insurance Inc.
Any personal information you do provide is protected under the federal Personal Information Protection and Electronic Document Act (PIPEDA) or your home province’s Personal Information Protection Act (PIPA). Personal information collected is inaccessible to anyone who is unauthorized to use it and our systems are designed to prevent the loss, misuse, disclosure, alteration, or destruction of your personal information. Information collected will only be kept for as long as it is required; if we should require your personal information for any other reason other than originally consented to, you will be contacted directly with an explanation and the request of your consent for that purpose.
What is considered “personal information”?
Any information about an identifiable individual is considered “personal information”:
- Name, email and telephone numbers
- Address, building information or photographs/panoramas related to such
- Age, gender, family and marital status
- Employment information
- Previous insurance and claims history
- Medical and health information
- Driving history
- Banking information
- Identification numbers
- Credit information
Collecting and using your information
Prior to or at the point of collecting your personal information, we will explain the purpose for which this information is intended. The information collected will be limited for the purpose intended and that purpose only. We will not collect, use, disclose or use personal information for any other purpose without your consent.
The information collected is to assist us in managing products and services you have with us and to recommend relevant products and services we have to offer.
Mello will use personal information and data collected for, but not limited to, the following purposes:
- Evaluating your coverage needs and recommendations specifically tailored to you
- Meeting our legal and regulatory obligations
- Meeting our obligations to our third-party partners within the insurance industry
- Assisting in providing customer service support with your questions or complaints
- To share any information that may be of interest to you i.e. products, coverage, etc.
- Participation in a contest or promotion
- Responding to inquiries from our website
- Assessing Risk, underwriting and actuarial purpose
Sharing of your information
We do not sell your personal information, or solicit information for purposes not relating to your insurance policy. Your information may be released to a third party in the insurance industry to meet our obligations and assess your eligibility and costs for products and services that you have specifically requested. Our third party partners also adhere to the applicable Privacy Laws which regulates the collection, use and disclosure of your personal information as we do. Your information may also be used in order to satisfy valid information requests from regulators and other organizations or individuals who are legally entitled to make such requests. Website visitor information is not disclosed to anyone except our personnel who need the information, e.g. to respond to a request from you.
Access to your personal information
Upon request, you are entitled access to the personal information that we have collected at any time. We may not be able to provide certain personal information if that information references an individual other than yourself.
Keeping us informed of any changes to your personal information helps us in providing you better service and decisions with regards to products and services, along with the impact they may have on you.
You may also authenticate your Mello account with a Facebook or Google login. We will ask for basic authentication permission. You can remove this permission at any time by removing Mello’s access to that account.
Removal of your personal information
Your personal information collected will be kept for a length of time depending on the product or service and the nature of the information that is sufficient to respond to any issue that may arise at a later date or for legal or regulatory purposes. When the information collected is no longer needed for the purpose of which it was intended, it will be destroyed, deleted or converted to render it anonymous.
Security
The Internet is not entirely secure and the confidentiality of certain information cannot be guaranteed. This web site has security measures in place to protect the loss, misuse and alteration of the information under our control. Any unencrypted e-mail communication over the Internet is, as with communications via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted e-mail. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk.
Use of Cookies
The Mello system uses cookies to allow and facilitate your user session with us. During the quotation or purchase 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 computer and does not contain any personal information. Mello also uses third party analytics code to help us better evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our website in an effort to provide you with the most ongoing enhanced customer experience.
Unsubscribe Option
We are committed to making all contact straightforward and relevant. From time to time, we will let clients know about new or enhanced products and services. In addition, we will communicate promotions that may be of interest to you. These include, but are not limited to, promotion codes, new product launches, insurance news, and discount options. Should you not wish to receive written or electronic communications that relate to promotions or enhanced products and services offered by Mello Insurance you can remove your e-mail address from our database which sends promotional and enhanced products and services emails by clicking the “unsubscribe” or “manage your communication with us” link at the bottom of those emails.
Links to Other Sites
Links from or to Internet sites outside this web site are meant for your convenience only. The owners of these outside sites manage their content for which Mello is not responsible. You access these third party sites at your own risk. Mello is not responsible for damages or prejudice of any nature resulting from the use or the content of the web site or of other sites connected to the web site by hyper link.
Concerns or Questions
If you have any questions or concerns about your privacy please contact our Privacy Officer at:
ATTN: Privacy Officer
Email: info@melloinsurance.ca
Mello Insurance
PO Box 10, 240 Main Street E.
Langham, SK S0K 2L0
