InsureMy Ltd.

The protection of your personal information is a fundamental obligation of InsureMy Ltd. This document sets out our privacy practices, website terms of use, regulatory disclosures, and commission transparency obligations as required under applicable Canadian federal and provincial law, including the Personal Information Protection and Electronic Documents Act (PIPEDA) as amended, the Alberta Personal Information Protection Act (PIPA), Ontario’s Freedom of Information and Protection of Privacy Act (FIPPA), and Canada’s Anti-Spam Legislation (CASL). This policy also fulfills disclosure requirements applicable to brokers licensed under the Registered Insurance Brokers of Ontario Act (RIBO Act, R.S.O. 1990, c. R.19) and the Insurance Act (Alberta).

1. RIBO Compliance & Commission Disclosure Statement

1.1 Broker Registration

InsureMy Ltd. is registered as an insurance brokerage in the Province of Ontario under the Registered Insurance Brokers of Ontario Act and is licensed in the Province of Alberta under the Insurance Act. Our RIBO registration number is available upon request and is displayed at our principal place of business. All brokers acting on behalf of InsureMy Ltd. hold valid individual licences or registrations in the provinces where they transact insurance business.

1.2 Fiduciary & Duty of Care

As a registered insurance broker, InsureMy Ltd. owes a duty of care to our clients. We act as your agent in the placement of insurance and owe you the obligations of a broker, not an agent of any insurer. Our recommendations are based on an assessment of your needs and the products available through the insurers with whom we hold brokerage agreements.

1.3 Compensation & Commission Disclosure

In accordance with RIBO regulations and evolving industry transparency standards, InsureMy Ltd. discloses the following regarding compensation received in connection with the placement of insurance:

(a) Commission-Based Compensation

InsureMy Ltd. receives commissions from insurers for policies placed on your behalf. Commissions are typically calculated as a percentage of the premium you pay and are embedded in the premium—you do not pay an additional fee unless otherwise disclosed. Commission rates vary by insurer and product line. Typical ranges are as follows (these are estimates and may change):

Personal Auto Insurance: 10%–15% of annual premium

Personal Property (Home/Condo/Tenant): 12%–20% of annual premium

Commercial Lines: 10%–20% of annual premium, depending on product complexity

Life & Accident/Sickness: 25%–200% of first-year premium (varies significantly by product type)

Specialty & Excess Lines: Variable, disclosed at time of placement

(b) Contingent & Profit-Sharing Commissions

InsureMy Ltd. may receive contingent commissions (also known as profit-sharing or volume bonuses) from certain insurers based on the overall volume, profitability, or retention of business placed with those insurers. These arrangements are not client-specific and do not affect the premium you are quoted. The existence of such arrangements creates a potential conflict of interest. InsureMy Ltd. manages this conflict by:

Recommending products based on your needs and suitability, not on the level of compensation received;

Disclosing, upon your written request, the specific compensation range received from any insurer for a product placed on your behalf;

Maintaining written conflict-of-interest policies reviewed annually by senior management.

(c) Your Right to Request Specific Disclosure

You have the right at any time to request, in writing, disclosure of the specific compensation InsureMy Ltd. expects to receive in connection with the placement of any insurance product. We will provide this information promptly. Please direct such requests to: [email protected] or in writing to our principal office.

(d) Fee-Based Arrangements

Where InsureMy Ltd. charges a broker fee in addition to or in lieu of commission (e.g., for commercial placements, policy endorsements, or administrative services), such fees will be disclosed to you in advance, itemized on your invoice, and will require your written consent before being charged.

1.4 Insurer Relationships

InsureMy Ltd. holds brokerage agreements with multiple licensed insurers. The availability and pricing of products through those insurers may be influenced by underwriting criteria beyond our control. We do not guarantee placement or continued availability of any particular product. A list of our insurer markets is available upon request.

1.5 Complaints & Regulatory Oversight

If you have a complaint about the service provided by InsureMy Ltd. or any broker acting on our behalf, you may:

Contact our Complaints Officer in writing at [email protected];

File a complaint with the Registered Insurance Brokers of Ontario (RIBO) at ribo.com (Ontario residents);

Contact Alberta Insurance Council (AIC) at albertainsurancecouncil.com (Alberta residents);

Contact the General Insurance OmbudService (GIO) at giocanada.org for disputes with insurers;

Contact the Financial Services Regulatory Authority of Ontario (FSRA) at fsrao.ca for matters governed by FSRA.

2. Terms of Use

2.1 Acceptance of Terms

When you access the website of InsureMy Ltd. (“InsureMy”), you accept and agree to be bound by and comply with these Terms and Conditions. These Terms may be updated at any time. The date of the most recent revision appears at the top of this document. Your continued use of the site following any change constitutes acceptance of the revised Terms. If you do not accept these Terms, you must immediately discontinue use of this site.

2.2 Geographic Scope & Eligibility

Access and use of this site are subject to all laws and regulations applicable in the Provinces of Alberta and Ontario. The products and services described are available in those provinces only. Only individuals who are legal residents of Alberta or Ontario and who are legally capable of entering into binding agreements under applicable law may transact insurance business through this site. It is your sole responsibility to determine whether your use of this site complies with the laws of your jurisdiction.

2.3 Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed severable from the remainder of these Terms, which will continue in full force and effect.

2.4 Interpretation

Where context permits, words in one gender include all genders. Headings are for convenience only and do not affect the interpretation of these Terms.

3. Privacy & Protection of Personal Information

3.1 Governing Law

InsureMy Ltd. collects, uses, discloses, and retains personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), the Alberta Personal Information Protection Act (PIPA), and other applicable provincial privacy legislation. We are also subject to the requirements of Canada’s Anti-Spam Legislation (CASL) with respect to commercial electronic messages.

3.2 Privacy Officer

InsureMy Ltd. has designated a Privacy Officer who is responsible for our compliance with applicable privacy legislation. You may contact our Privacy Officer at:

Email: [email protected]

Mailing Address: Privacy Officer, InsureMy Ltd., [Address], Alberta / Ontario, Canada

Phone: Available on our website at www.InsureMy.ca

3.3 Personal Information We Collect

We collect personal information only for identified, legitimate purposes. Depending on the service you request, we may collect:

Identifying information: full name, date of birth, government-issued identification numbers (where required for underwriting)

Contact information: mailing address, telephone number, email address

Financial information: payment method details (credit card, banking information for pre-authorized debit), credit history (where required and consented to)

Insurance history: prior claims, coverage history, driving record (MVR), property records

Vehicle/property information: VIN, year/make/model, property address, construction type, etc.

Health information: where relevant to life, accident or sickness insurance products

Digital information: IP address, browser type, cookie data, session activity on our website (see Section 3.8)

We collect only the information necessary to fulfill the purposes identified at the time of collection or as required by law. We do not collect sensitive information such as racial origin, religious beliefs, or biometric data through this website.

3.4 Purposes of Collection

Personal information collected through InsureMy Ltd. is used for the following purposes:

Preparing insurance quotations and placing coverage on your behalf

Administering insurance policies, including renewals, endorsements, and cancellations

Processing premium payments and refunds

Investigating and settling claims

Complying with regulatory, legal, and contractual obligations

Detecting and preventing fraud

Communicating with you about your policy, coverage options, and related services

Sending commercial electronic messages with your express or implied consent under CASL

Improving our website, products, and services

3.5 Consent

By submitting information to InsureMy Ltd. through this website or otherwise, you consent to the collection, use, and disclosure of your personal information for the purposes described in this Policy. Consent may be express (written or verbal) or implied, depending on the sensitivity of the information and the context. You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting our Privacy Officer. Withdrawal of consent may limit our ability to provide you with certain services.

3.6 Disclosure to Third Parties

InsureMy Ltd. does not sell your personal information. We may share your information with third parties in the following circumstances:

Insurers, underwriters, and reinsurers: for the purpose of placing, administering, or renewing your insurance policy

Claims adjusters and appraisers: for the purpose of investigating or settling a claim

Insurance support organizations: for fraud prevention, detection, and investigation

Credit bureaus and financial institutions: where required or consented to for premium financing or payment processing

Motor Vehicle Registries (MVR): for driving record verification with your consent

Legal, regulatory, and law enforcement authorities: as required or authorized by law

Service providers (IT, cloud services, document management): operating under written data processing agreements that restrict their use of your information to the stated purpose

Successors in interest: in the event of a sale, merger, or restructuring of InsureMy Ltd., subject to the same privacy protections

We disclose only the minimum information necessary for the stated purpose.

3.7 Cross-Border Data Transfers

Some of our service providers and technology partners may process or store your personal information outside of Canada. When your information is transferred to service providers in other jurisdictions (including the United States), it will be subject to the laws of that jurisdiction, which may differ from Canadian law. InsureMy Ltd. takes reasonable contractual steps to ensure that such service providers protect your information in a manner consistent with this Policy and applicable Canadian law. Upon written request, our Privacy Officer can provide information about our cross-border data transfer practices and the countries involved.

3.8 Cookies, Tracking & Digital Technologies

InsureMy Ltd. uses the following digital technologies on its website:

Session Cookies: Required to maintain your session while obtaining a quote or completing a transaction online. These expire when you close your browser.

Persistent Cookies: Used to remember your preferences and improve your experience on return visits.

Analytics Tags: We use privacy-compliant web analytics tools to collect aggregate, anonymized data about website usage, pages visited, and session duration. This data is not linked to your identity.

Third-Party Cookies: Our website may include embedded content or tools from third parties (e.g., chat widgets, analytics providers) that set their own cookies. We recommend reviewing the privacy policies of those providers.

You may refuse or delete cookies through your browser settings. Please note that disabling certain cookies may prevent you from obtaining a quote or completing an online transaction. Our website does not currently respond to browser “Do Not Track” signals; however, we do not use tracking for targeted advertising without your consent.

3.9 No Sale of Personal Information

InsureMy Ltd. does not sell, rent, trade, or otherwise monetize your personal information to third parties for their independent marketing or commercial purposes.

3.10 Retention of Personal Information

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with applicable legal and regulatory requirements, and to resolve disputes or enforce our agreements. Generally, insurance policy records are retained for a minimum of seven (7) years following expiry. When personal information is no longer required, it is securely destroyed, deleted, or anonymized.

3.11 Access, Correction & Withdrawal

You have the right to:

Request access to the personal information we hold about you;

Request correction of inaccurate or incomplete information;

Withdraw your consent to collection, use, or disclosure (subject to legal or contractual limitations);

Request that we delete your personal information where no legal obligation requires its retention;

Lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC) at priv.gc.ca or the applicable provincial privacy commissioner.

Requests should be made in writing to our Privacy Officer. We will respond within thirty (30) days, or notify you if an extension is required. We may require verification of your identity before processing a request.

4. Security

4.1 Organizational & Technical Safeguards

InsureMy Ltd. protects personal information using a combination of physical, organizational, and technological measures proportionate to the sensitivity of the information, including:

Transport Layer Security (TLS/SSL) encryption for all online sessions and data transmissions

Role-based access controls limiting employee access to personal information on a need-to-know basis

Multi-factor authentication (MFA) for broker portal and administrative system access

Encrypted storage of sensitive data at rest on secured servers

Regular vulnerability assessments and penetration testing

Mandatory privacy and security training for all employees with access to personal information

Incident response and breach notification procedures

4.2 Privacy Breach Response

In the event of a privacy breach involving personal information under our control, InsureMy Ltd. will assess the risk of harm, notify affected individuals and the applicable privacy commissioner(s) as required under PIPEDA’s mandatory breach reporting provisions (effective since November 1, 2018) and PIPA, and take reasonable steps to mitigate harm. We maintain a breach log as required by law.

4.3 User Responsibility

You are responsible for maintaining the confidentiality of your login credentials and for the security of your personal information on your own devices until it is received by InsureMy Ltd. Once you initiate an online session, do not leave your device unattended. You must log out after each session. InsureMy Ltd. is not responsible for unauthorized access resulting from your failure to protect your credentials.

4.4 Password Standards

Secure areas of the website require a unique username and password. You must:

Use a password that is strong, unique, and not easily guessed

Not share your credentials with any other person

Log out at the end of each session

Immediately notify InsureMy Ltd. at [email protected] if you believe your credentials have been compromised

Login credentials remain the property of InsureMy Ltd. and may be suspended or cancelled without notice if misuse is suspected. InsureMy Ltd. is not obligated to verify the identity of the user of any credentials beyond the authentication process in place.

5. Online Insurance Transactions

5.1 Quotations & Online Binding

Where this website offers you the ability to obtain an insurance quote and purchase a policy online, you must provide accurate information including your name, address, telephone number, email address, and information relevant to the risk being insured (e.g., vehicle details, property details) and your preferred payment method. Providing inaccurate or misleading information may result in improper coverage, policy voidance, or denial of a claim.

5.2 Electronic Signature & Legal Effect

By clicking the designated acceptance button during the online purchase process, you are providing your electronic signature and confirming your intention to purchase the insurance product at the quoted premium. This constitutes a legally binding agreement, subject to the conditions set out in this section. Electronic signatures are recognized under applicable provincial electronic commerce legislation in Alberta and Ontario.

5.3 Policy Inception & Validation

The coming into force of any policy purchased online is conditional upon validation of the information you have provided, which is typically completed on the next business day. A licensed broker will contact you by telephone or email to confirm receipt of your application, acceptance by the insurer, and the exact effective date of your coverage. You expressly consent to receiving policy confirmation by telephone.

5.4 Governing Law — Insurance Policies

Insurance policies issued through this website will be interpreted, enforced, and governed by the laws of the province in which the insured risk is located (Alberta or Ontario, as applicable). Courts in the applicable province shall have jurisdiction over any dispute arising from the insurance contract.

5.5 Consequences of Misrepresentation

False or misleading information provided during the application process may result in:

Denial of a claim

Cancellation or voidance of your policy

Potential legal liability

You are obligated under the applicable Insurance Act to disclose all information material to the risk. If you become aware that information provided was inaccurate, contact your broker immediately.

6. Anti-Spam (CASL) Compliance

InsureMy Ltd. complies with Canada’s Anti-Spam Legislation (S.C. 2010, c. 23). We will only send you commercial electronic messages (CEMs) where we have your express or implied consent as defined under CASL. Each CEM we send will identify InsureMy Ltd. as the sender, provide our contact information, and include an unsubscribe mechanism. You may withdraw consent at any time by:

Clicking the unsubscribe link in any electronic message we send;

Emailing [email protected]; or

Contacting our Privacy Officer in writing.

We will process unsubscribe requests within ten (10) business days as required by law.

7. Responsible Use of Artificial Intelligence

At InsureMy, licensed brokers are accountable for every recommendation you receive — not software. This page explains where we might use artificial intelligence (AI) in our work, what it does and doesn’t do, and how you can always ask for a human review.

7.1 Where We Might Use AI

If AI is used by InsureMy it is to help our brokers work more efficiently in the following areas:

• Document and data processing — extracting and organizing information from applications, policy documents, and renewal files so our brokers can review it faster.
• Quote preparation support — pulling together comparative quote information for a broker to review before it’s presented to you.
• Customer service support — helping our team draft routine correspondence and answer general questions, always reviewed by a person before it’s sent.
• Marketing and communications — assisting with drafting website, email, and educational content, which our staff reviews before publication.

7.2 What AI Does Not Do

InsureMy does not use AI to make final decisions about your coverage. It does not determine whether you’re approved, set your final price, bind a policy, or make a claims decision on our behalf. Those decisions are made, and are the responsibility of, a licensed InsureMy broker.

7.3 Your Right to Know and to Ask for a Human Review

If AI has materially shaped a recommendation we give you — for example, a coverage suggestion or a quote comparison — we will tell you so at the time. You can ask your broker whether AI was used in preparing anything you’ve received from us, and you can request that a licensed broker personally review any recommendation before you act on it.

8. Intellectual Property

8.1 Copyright

All content on this website, including text, graphics, logos, images, and software, is the property of InsureMy Ltd. or its licensors and is protected by Canadian and international copyright law. You may download, print, or copy content for personal, non-commercial use only. Any other use—including reproduction, distribution, publication, modification, or commercial exploitation—requires the prior written consent of InsureMy Ltd.

8.2 Trademarks

The InsureMy Ltd. name, logo, and related marks are trademarks of InsureMy Ltd. registered or used in Canada. Third-party marks displayed on this site are the property of their respective owners and are used with permission. Nothing on this site grants any licence to use any mark without the prior written consent of the owner.

The logos of Intact Insurance and other insurer partners are trademarks of their respective owners.

9. Limitation of Liability

To the maximum extent permitted by applicable law, InsureMy Ltd. disclaims all liability, whether in contract, tort, strict liability, or otherwise, arising from your use of this website or reliance on its content. In no event shall InsureMy Ltd. be liable for any direct, indirect, incidental, consequential, or special damages arising from use of or inability to use this site.

The information on this site is provided for general informational purposes only and does not constitute financial, legal, accounting, or tax advice. You should consult qualified professional advisors before making any financial, insurance, or legal decisions.

InsureMy Ltd. does not warrant that this site will be uninterrupted, error-free, or free from viruses or other harmful components. You are responsible for taking reasonable precautions to protect your devices from malicious software before accessing this site.

10. Third-Party Links

This website may contain links to third-party websites for convenience. InsureMy Ltd. does not endorse, control, or assume responsibility for the content, privacy practices, or security of any third-party website. You access third-party sites at your own risk. We encourage you to review the privacy policies of any site you visit.

11. Accessibility

InsureMy Ltd. is committed to making this website accessible to persons with disabilities in accordance with the Accessibility for Ontarians with Disabilities Act (AODA) and the Accessibility for Albertans Act. If you experience difficulty accessing any part of this site, please contact us at [email protected] and we will make reasonable efforts to accommodate your needs.

12. Updates to This Policy

This Privacy Policy and Terms of Use may be updated periodically to reflect changes in law, regulatory guidance, or our practices. The effective date at the top of this document will reflect the date of the most recent revision. Material changes will be communicated to clients by email or through a notice on our website. Your continued use of this site following notice of changes constitutes acceptance.

13. Contact Us

For questions, requests, or complaints relating to this Privacy Policy, these Terms of Use, or our RIBO disclosure obligations, please contact:

Privacy Officer / Compliance: [email protected]

Complaints Officer: [email protected]

CASL Unsubscribe: [email protected]

General Inquiries: [email protected] | www.InsureMy.ca