Given the nature of the insurance industry, consent to the collection, use, and sharing of your personal information may be implied in some circumstances but where possible we will obtain your written consent prior to dealing with your personal information. For example, we sometimes provide insurance or amendments to existing policies over the telephone, on short notice, or with little written documentation. In these circumstances it is impossible to obtain express written consent from you. Another example is that consent can also be given by one individual on behalf of another individual. For example, where an individual applies for auto insurance for themselves and their family, the applicant is giving consent for the collection, use, and disclosure of personal information both for themselves and their family members even though the family members are not present during the application process. By dealing with us on insurance related matters, we infer that we have your consent for the collection, use, and disclosure of all personal information necessary for the Identified Purposes.

You may withdraw your consent, subject to legal or contractual obligations and on reasonable notice, but this may limit our ability to provide you a product or service. In the event that you wish to withdraw your consent to the collection, use, or sharing of your personal information for any of the Identified Purposes, you should first contact our Privacy Office for information regarding the implications of such withdrawal, and then, if you choose to proceed, give the requisite notice.