Privacy Policy & Complaint Handling
Effective Date: October 2026
At Broker Advantage Inc., protecting the privacy and confidentiality of our clients’ personal information is important to us. As part of providing insurance and related financial services, we may collect, use, retain and disclose personal information necessary to understand your needs, provide advice, obtain insurance quotations, submit applications, service existing policies and meet our legal and regulatory obligations.
We are committed to handling personal information responsibly and in accordance with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) where applicable.
Personal Information We Collect
Depending on the products or services you request, we may collect information such as:
- Your name, address, telephone number and email address
- Date of birth and other identification information
- Employment and occupation information
- Financial information, including income, assets, liabilities and banking information where required
- Insurance history and existing coverage
- Beneficiary information
- Health and medical information where required for an insurance application
- Information regarding your family, business or financial circumstances
- Records of communications and transactions with us
- Any other information reasonably required to provide insurance or related services
We limit the collection of personal information to information that is reasonably necessary for the purposes for which it is being collected.
How We Use Your Information
Personal information may be used to:
- Assess your insurance and financial protection needs
- Provide insurance recommendations and advice
- Obtain quotations from insurance companies
- Complete and submit insurance applications
- Establish and administer insurance policies
- Assist with policy changes, renewals, conversions and claims
- Communicate with you regarding your coverage
- Verify information or meet underwriting requirements
- Maintain appropriate client records
- Meet legal, regulatory, compliance and record-keeping requirements
- Prevent or investigate fraud or other unauthorized activity
We will not use your personal information for purposes unrelated to those for which it was collected unless we obtain your consent or are otherwise permitted or required by law.
Consent
Where required, we obtain your consent before collecting, using or disclosing your personal information.
Consent may be provided verbally, in writing or electronically and may also be implied where appropriate based on the circumstances and the nature of the information.
You may withdraw your consent to certain uses of your personal information, subject to legal, regulatory, contractual or insurance requirements. Withdrawing consent may affect our ability to provide or continue certain services.
Sharing Your Personal Information
In the course of providing insurance services, we may disclose personal information to appropriate third parties, including:
- Insurance companies
- Managing general agencies or other insurance intermediaries
- Underwriters and reinsurers
- Medical or paramedical service providers where authorized
- Technology and administrative service providers
- Professional advisors
- Regulatory authorities or government bodies where required
- Other parties where you have provided consent or where disclosure is permitted or required by law
Only information reasonably necessary for the intended purpose will be disclosed.
Insurance companies and other organizations receiving your information may have their own privacy policies governing how they handle personal information.
Safeguarding Your Information
We use reasonable administrative, physical and technological safeguards appropriate to the sensitivity of the information in our possession.
These measures may include restricted access to client files, password-protected systems, secure electronic storage and procedures designed to prevent unauthorized access, use, disclosure, modification or loss of personal information.
Although we take reasonable precautions, no electronic transmission or storage system can be guaranteed to be completely secure.
Retention of Information
Personal information is retained only for as long as reasonably necessary to provide services and satisfy our legal, regulatory, contractual and business record-keeping obligations.
When information is no longer required, it will be securely destroyed, deleted or anonymized where appropriate.
Accessing or Correcting Your Information
You may request access to personal information we hold about you and may ask that inaccurate or incomplete information be corrected.
Some exceptions to access rights may apply where permitted or required by law.
Requests should be submitted using the contact information provided below. We may need to verify your identity before responding to an access or correction request.
Privacy Questions, Concerns or Complaints
If you have questions about this Privacy Policy, believe your personal information has been handled improperly, believe there may have been unauthorized access to or disclosure of your information, or would like to make a privacy complaint, please contact our designated Privacy Officer.
Privacy Officer
Broker Advantage Inc.
128 Richmond St.
Amherstburg, ON N9V1G4
Email: info@brokeradvantageinc.com
Telephone: 519-566-0703
Please include sufficient information for us to understand and investigate your concern. This may include your name, contact information, a description of the issue, relevant dates and any supporting documentation.
We will acknowledge and review privacy complaints and will take reasonable steps to investigate the matter. Where appropriate, we will advise you of the outcome and any corrective action taken.
If your privacy concern is not resolved to your satisfaction, you may also contact the Office of the Privacy Commissioner of Canada regarding matters within its jurisdiction.
Office of the Privacy Commissioner of Canada
Toll-free: 1-800-282-1376
Website: www.priv.gc.ca
Insurance Service or Advisor Complaints
We are committed to treating clients fairly and addressing concerns regarding the insurance services or advice we provide.
If you have a complaint concerning your insurance advisor, the service you received, an insurance recommendation or another insurance-related matter, please contact:
Broker Advantage Inc.
Attention: Complaints Officer
128 Richmond St.
Amherstburg, ON N9V1G4
Email: info@brokeradvantageinc.com
Telephone: 519-566-0703
Please provide:
- Your name and contact information
- A description of your concern
- Relevant policy or application information, where applicable
- Important dates or communications relating to the issue
- The resolution you are seeking
We will review the complaint and communicate with you regarding the matter.
Complaints Involving an Insurance Company
If your concern involves an insurance company’s decision, policy administration or other insurer-related matter, you may also be directed to the insurance company’s formal complaint process and Complaint Officer.
The insurer can provide you with information about its internal complaint process and, where applicable, a final position letter.
If the matter remains unresolved, additional options may include the OmbudService for Life & Health Insurance (OLHI) or the Financial Services Regulatory Authority of Ontario (FSRA), depending on the nature of the complaint.
Regulatory Complaints
The Financial Services Regulatory Authority of Ontario (FSRA) regulates life and health insurance agents and insurance companies operating in Ontario.
Where appropriate, a consumer may submit a complaint to FSRA concerning possible non-compliance with Ontario insurance regulatory requirements.
More information about the complaint process is available at www.fsrao.ca.
For life and health insurance disputes that remain unresolved through an insurer’s complaint process, consumers may also contact the OmbudService for Life & Health Insurance (OLHI) at www.olhi.ca.
Website Information and Cookies
Our website may collect limited technical information when you visit, such as your IP address, browser type, device information, referring pages and website usage information.
We may use cookies, analytics tools or similar technologies to operate the website, understand how visitors use it and improve website functionality.
You may be able to restrict or disable cookies through your browser settings. Doing so may affect certain website features.
Information submitted through website contact forms or other online forms will be used to respond to your inquiry and provide the services you request.
Please avoid sending highly sensitive personal, financial or medical information through unsecured website forms or ordinary email unless specifically instructed to do so.
Third-Party Websites
Our website may contain links to insurance companies or other third-party websites. We are not responsible for the privacy practices or content of websites operated by third parties. We encourage you to review their privacy policies before providing personal information.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes to our practices, services, technology or legal and regulatory requirements.
The most current version will be posted on this website with the applicable effective date.
Contact Us
For general questions regarding this Privacy Policy, our privacy practices or our complaint-handling procedures, please contact:
Broker Advantage Inc.
128 Richmond St.
Amherstburg, ON N9V1G4
Email: info@brokeradvantageinc.com
Telephone: 519-566-0703