Your privacy is very important to us. Protecting your privacy and the confidentiality of your personal information is fundamental to providing a safe and secure experience for every Mello customer. This Privacy Policy explains how Block Enterprises Ltd., operating as Mello Insurance (“Mello”, “we”, “us”), collects, uses, discloses and protects your personal information.

Your personal information is protected under the federal Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, your province’s privacy legislation. Our systems are designed to prevent the loss, misuse, unauthorized access, disclosure, alteration or destruction of your personal information. We keep information only as long as it is required. If we need to use your personal information for a purpose other than the one you originally consented to, we will contact you, explain why, and ask for your consent.

What is considered “personal information”?

Any information about an identifiable individual is considered personal information, including:

• Name, email address and telephone numbers
• Address, building information, and photographs or images related to your property
• Age, gender, family and marital status
• Employment information
• Previous insurance and claims history
• Medical and health information
• Driving history
• Banking and payment information
• Identification numbers
• Credit information

Collecting and using your information

Before or when we collect your personal information, we will explain the purpose for which it is being collected. We limit what we collect to what is needed for that purpose, and we will not collect, use or disclose your personal information for any other purpose without your consent, except where permitted or required by law.

We use personal information for purposes including:

• Evaluating your coverage needs and making recommendations tailored to you
• Obtaining quotes, placing coverage and administering your policy
• Assessing risk, underwriting and actuarial purposes
• Determining premiums and eligibility for payment plans
• Assisting with claims
• Providing customer service and responding to your questions or complaints
• Responding to inquiries made through our website
• Detecting and preventing fraud
• Meeting our legal and regulatory obligations
• Sharing information about products, coverage or promotions that may interest you (you can opt out at any time)
• Administering contests or promotions you choose to enter

Credit information

With your consent, we or our insurers may collect your credit information, including your credit score, from a consumer reporting agency (such as Certn Holdings Inc.) to provide you with a policy and payment options. Your consent remains valid until you withdraw it in writing. If you withdraw or do not provide consent, you may not receive the best rate available.

Sharing of your information

We do not sell your personal information. We share it only as needed to provide the products and services you have requested, including with:

• Insurance companies and underwriters we place your coverage with, to quote, underwrite, issue and service your policy and handle claims
• Premium finance providers, if you choose a monthly payment plan
• Technology and service providers that operate systems on our behalf, including our policy administration and quoting platform provider, Modular. These providers may use your information only to provide services to us and must protect it in accordance with applicable privacy laws
• Your landlord, property manager or residence manager, where they have partnered with Mello, to confirm your coverage and notify them of changes, renewals or cancellations, as described in your Application for Insurance
• Regulators and others legally entitled to request information

Website visitor information is not disclosed to anyone except Mello personnel who need it, for example to respond to a request from you.

Access to your personal information

You may request access to the personal information we hold about you at any time. We may be unable to provide certain information if it references another individual. You may also ask us to correct information that is inaccurate or incomplete.

Keeping us informed of changes to your personal information helps us provide better service and ensures your coverage reflects your situation.

You may sign in to your Mello account using a Facebook or Google login. We request basic authentication permission only, and you can remove Mello’s access from that account at any time.

Retention and removal of your personal information

We keep personal information for as long as needed for the purpose it was collected, to respond to issues that may arise later, and to meet legal and regulatory record-keeping requirements. When it is no longer needed, it is securely destroyed, deleted or made anonymous.

Security

We use administrative, technical and physical safeguards to protect personal information under our control against loss, theft, misuse and unauthorized access or alteration. No internet transmission is completely secure. Unencrypted email can be intercepted, lost or altered, so we encourage you not to send sensitive personal information to us by unencrypted email. Please use your secure Mello account or contact us by phone instead.

Use of cookies

Our website uses cookies to support your session. During the quote and purchase process, cookies store session information so your data moves correctly from step to step. Cookies are stored on your device and do not contain personal information. We also use third-party analytics tools to measure the effectiveness of our advertising and understand how visitors use our website so we can improve your experience. You can disable cookies in your browser settings, although some features of the website may not work properly.

Unsubscribe option

From time to time we may let customers know about new or enhanced products and services, promotion codes, insurance news and discounts. If you do not wish to receive these messages, click the “unsubscribe” or “manage your communication with us” link at the bottom of any promotional email. You will continue to receive mandatory messages about your policy, such as policy documents, renewals and payment notices.

Links to other sites

Links to websites outside this site are provided for your convenience only. Mello does not control and is not responsible for the content or privacy practices of other websites. Please review the privacy policy of any site you visit.

Concerns or questions

If you have questions or concerns about your privacy, or wish to request access to or correction of your information, please contact our Privacy Officer:

ATTN: Privacy Officer
Block Enterprises Ltd. o/a Mello Insurance
101, 322 Park Ave
Langham, SK S0K 2L0
Phone: 1-306-283-1234
Email: info@melloinsurance.ca

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.