Legal Notices and Confidentiality Policy
Procedures in compliance with all applicable laws have been put in place to protect your data and to try and prevent unauthorized access.
We Talk Insurance refers to 9451-5863 Québec inc.
When you access the Web sites property of We Talk Insurance including all information, materials, texts, illustrations, graphics, and images (the "Sites"), you accept and agree to be bound by and comply with the agreement regarding the use of these Sites (the "Agreement"), the terms and conditions of which are described below, as well as at other locations on these Sites.
We reserve the right, at our sole discretion, to modify the terms and conditions at any time without notice. Such modifications are effective immediately upon posting, which is why we strongly recommend that you revisit these terms and conditions periodically. Your continued use of these Sites will be deemed your conclusive acceptance of any modification and you agree to be bound by such modifications.
These terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term or condition posted on these Sites. Please take a moment to become familiar with the terms and conditions. If you do not accept these terms and conditions, you should immediately discontinue the use of these Sites.
We Talk Insurance cannot guarantee the availability of the Sites and cannot be held responsible if problems arise during its use.
We Talk Insurance cannot be held responsible for any loss or damages arising from the use of the Sites and the information they contain.
We Talk Insurance believes that all information displayed in the Sites is accurate, but cannot be held liable for the accuracy of information available that is provided by third parties.
The Sites are governed by the laws of the province of Ontario and its legal notices are made in accordance with the laws of the province of Ontario. Any reference in our Sites to ‘’the law’’ refers to the laws of the province of Ontario. All disputes, controversies, or claims arising out of or in connection with the Sites shall be submitted to and will be subject to the jurisdiction of the courts of the province of Ontario. In the event of any suit, action, or proceeding arising out of or in connection with these Sites, the courts of the province of Ontario will have exclusive jurisdiction.
All the information on insurance products contained in these Sites can only be used in Canada.
You may obtain a full refund of your online insurance purchase (including the premium, taxes and fees) and training fees provided your refund request is made before the effective date of your policy.
However, if you wish to request a refund after the effective date of the policy, you must send us a signed written notice confirming the date of termination of your insurance policy. The premium refund will be calculated according to the short-term cancellation table applicable to your insurance policy. Insurance policy issuance fees are not refundable.
For all other information, please contact us at: info@wetalkinsurance.ca
Confidentiality Policy
We Talk Insurance is committed to protecting your privacy. Security and privacy are our priority. This Privacy Promise outlines the effort we put into ensuring that the personal information you send us remains confidential. We created this Privacy Promise to inform you of our privacy practices, please take a moment to read through our responsibilities and your rights when it comes to the collection, use and disclosure of your personal information.
The information we collect depends on the insurance products you apply for and buy, the services you have access to and use, the payment method you use, and the way you communicate with us. We collect only the information necessary for the purpose of your file, in compliance with the applicable law.
We Talk Insurance cannot guarantee the confidentiality of information exchanged by email.
We collect information in several ways:
i) Information you disclose to us
We collect personal information from you when you inquire about our insurance policies, request a quote, apply for insurance, make a payment, or file a claim under your insurance policy. This information includes personal information such as your name, contact information, marital status, and payment or banking information.
ii) Information collected from third parties
We also collect information from several third parties, where permitted by law. These include government agencies, consumer reporting agencies, and other third parties who can provide information about or services related to you. When we do so, we do it with your consent, or otherwise confirm the third party lawfully collected the information and can share it with us.
iii) Calls, online chats, and other communications
We may record calls, online chats, and other communications between us to ensure quality customer service, confirm our discussions and your instructions, resolve complaints, and train our staff. If you do not want your communications recorded, you can do business with us by visiting one of our offices, or by writing or emailing us.
iv) Cookies, web beacons and other technologies
We may use cookies, web beacons and other technologies to identify you on our website, to gather information about how you use our website, and to enable our and third-party web-based services. When we do so, we do it in compliance with the applicable laws.
We collect, use, and disclose personal information for several reasons, including to:
- a) Serve you better and communicate effectively with you.
- b) Verify your identity.
- c) Assess and underwrite insurance risks.
- d) Determine prices, fees, and premiums.
- e) Investigate and adjust insurance claims.
- f) Settle or arrange for the settlement of insurance claims, including structured settlements.
- g) Promote and market products and services offered by us, our affiliates, or our strategic partners and alliances, which may include insurance companies, insurance brokers, and other intermediaries.
- h) Conduct market research.
- i) Recognize and deliver relevant ads to you on our and third-party websites and apps.
- j) Verify and provide information to and compile statistics for insurance industry databases.
- k) Report to regulatory or industry entities consistent with prudent and legally required insurance industry practices.
- l) Detect, prevent, and suppress fraud, unauthorized, or illegal activities.
- m) Comply with all applicable laws, including tax requirements.
- n) Share your information with third party service providers for external processing such as data or payment processing.
- o) Share your information among our affiliates for any of the above purposes.
Only our employees and agents will have access to your personal information and will do so only when it is necessary in the course of their duties, and in compliance with all applicable laws.
We will always ask for your consent before we collect or disclose sensitive information, including your medical information.
When necessary, we may disclose personal confidential information to third parties with your consent. When we do so, we will follow the applicable laws. All third parties will be informed of the measures that they must take to ensure the protection of the confidential information disclosed and they must do so pursuant to a written confidentiality agreement to protect the personal information that is sent to them.
Sometimes, your personal information may be stored or processed outside of Quebec. We will ensure that the laws of the country or state where your information is stored or processed protects your personal information.
Business transactionsIf we enter talks about a merger, acquisition, or asset sale with a third party, we may share your personal information with them, as necessary, to assess or complete the business transaction. If your personal information is subject to new privacy practices as a result of a business transaction, we will give you notice of this.
You have the right to access and request correction of your personal information. We can grant you access to your personal information, free of charge, subject to any legal restrictions or rights of refusal. However, if you exercise your right to request the transcription, reproduction, correction, or transmission of your personal information, we may charge you a reasonable fee. If you want to access your file or have it corrected, please contact us at: info@wetalkinsurance.ca.
You may withdraw your consent to the collection, use and disclosure of your personal information, subject to certain limitations. However, if you do so, we may not be able to continue to provide you with our insurance products and services, or our best rate on your insurance policy. You may also withdraw your consent to the collection, use and disclosure of your personal information for marketing practices. If you want to withdraw your consent, please contact us at: info@wetalkinsurance.ca
