Privacy Policy Notice
Effective Date: January 1, 2021
Updated Date: April 20, 2026
Avalon Risk Management (Canada), Inc. (“we,” “us,” or “our”) is an insurance brokerage committed to protecting the privacy and confidentiality of personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial legislation.
Scope
This Privacy Policy applies to personal information collected through our website, applications, insurance products and services, and related interactions with clients, applicants, policyholders, claimants, and website visitors (collectively, the “Services”).
What Is Personal Information?
“Personal information” means information about an identifiable individual, excluding business contact information used solely for communicating with an individual about their business role.
Information We Collect
Depending on the products and services involved, we may collect:
- Identification & Contact Information: name, address, email, phone number, date of birth
- Insurance & Risk Information: property details, vehicle information, driving history, claims history, coverage needs, loss history
- Financial Information: payment details, billing information, banking information (where applicable)
- Sensitive Information: health or disability information (for certain insurance products), where permitted by law and with appropriate consent
- Verification Information: government-issued identifiers (where legally permitted), proof of identity
- Technical & Usage Information: IP address, device identifiers, browser type, website interactions
- Communications: correspondence, recordings of calls (where permitted and disclosed)
How We Collect Information
We collect information:
- Directly from you (applications, quote requests, claims assistance, communications)
- From insurers and underwriters in connection with quotes, underwriting, policy issuance, and renewals
- From third parties (e.g., claims databases, inspection vendors, credit or fraud-prevention sources, motor vehicle records) where permitted by law
- Automatically via cookies and similar technologies on our website
Purposes of Collection, Use, and Disclosure
We collect, use, and disclose personal information for purposes including:
- Providing insurance quotes and advice
- Placing, underwriting, issuing, administering, renewing, and servicing insurance policies
- Assisting with claims reporting, investigation, and resolution
- Verifying identity, preventing fraud, and managing risk
- Processing payments and managing accounts
- Complying with legal, regulatory, and industry requirements
- Communicating with you regarding products, services, updates, and notices (marketing where consented)
Consent
We obtain consent for the collection, use, and disclosure of personal information, except where permitted or required by law. Consent may be express or implied depending on the sensitivity of the information and the circumstances. You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice.
Disclosure to Insurers and Service Providers
We may disclose personal information to:
- Insurance companies, managing general agents, and underwriters for quoting, underwriting, policy administration, and claims handling
- Service providers (e.g., IT, payment processing, document management, analytics, inspection and claims support vendors) who perform services on our behalf
- Regulatory, legal, or law‑enforcement authorities where required or permitted by law
We do not sell personal information.
Cookies and Online Analytics
Our website uses cookies and similar technologies to operate the site, analyze traffic, and improve user experience. You may manage cookies through browser settings, recognizing that some features may be affected.
Cross‑Border Processing
Personal information may be processed or stored outside Canada (e.g., where insurers or service providers operate). Such information may be subject to the laws of those jurisdictions. We use contractual and other reasonable safeguards to protect personal information in cross‑border transfers.
Safeguards
We maintain reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including access controls, encryption where appropriate, training, and incident response procedures.
Retention
Personal information is retained only as long as necessary to fulfill identified purposes, meet legal and regulatory requirements, and comply with insurer and industry record‑keeping obligations. When no longer required, information is securely destroyed or anonymized.
Access and Correction
You may request access to your personal information and request corrections where appropriate, subject to legal exceptions. Requests must be submitted in writing using the contact information below.
Automated Decision‑Making (If Applicable)
Certain insurance decisions (such as eligibility or pricing) may involve automated processing by insurers. Where applicable, we will provide information about such processes upon request.
Children’s Privacy
Our Services are not intended for individuals under the age of 13 (or such higher age as required by applicable law). We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy periodically. The updated version will be posted with a revised effective date.
Contact – Privacy Officer
Questions, requests, or complaints regarding our privacy practices may be directed to:
Ben Llaneta, Corporate Counsel
Avalon Risk Management Insurance Agency LLC
200 N. Martingale Rd., Suite 700, Schaumburg, IL 60173
Email: bllaneta@avalonrisk.com
Phone: (847) 700-8158