The personal information that CEIRA collects relates to the activities of CEIRA in connection with its function as a reciprocal insurance exchange and in our dealings and interactions with CEIRA's subscribers. The precise information that is collected depends upon the applicable insurance for subscribers as well as any claims or other correspondence involving subscribers.
Due to the character of CEIRA's activities, information that CEIRA collects may not be personal information because it relates to the business activities of subscribers.
CEIRA obtains personal information when it is provided to us by subscribers or others as a part of our activities, or when it is provided to us by third parties that are engaged by CEIRA or with whom CEIRA interacts as a part of our activities. Such information may include, for example, information regarding subscribers' properties and activities that are relevant to the reciprocal insurance provided by CEIRA.
If you provide us with personal information about third parties, then you are required to ensure that you have obtained the consent of those third parties to provide such information.
Cookies are small data files sent to your Internet browser that allow us and our third party service providers to recognize you when you visit CEIRA's website at ceira.ca (the "Site"). If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.
CEIRA uses personal information for reasons that are related to our activities as a reciprocal insurance exchange including to:
- serve you better and communicate effectively with you;
- verify your identity and property;
- assess and underwrite insurance risks;
- determine subscriber charges;
- investigate and adjust claims;
- settle or arrange for the settlement of claims;
- communicate with you regarding CEIRA's activities, including any changes or developments in CEIRA's services;
- conduct research that is relevant to our operations;
- report relevant information to regulatory or industry entities, including claims history; and
- comply with all applicable laws, including tax requirements.
CEIRA may disclose personal information to third parties in connection with its activities. CEIRA requires third parties to protect and handle personal information in a manner consistent with CEIRA's privacy practices and all applicable laws. These third parties may at times process and store your information outside of Canada. If your personal information is processed or stored in a foreign country, it will be subject to that country’s laws and may be disclosed in accordance with those laws.
You may request correction of your personal information and may access your personal information, subject to any legal restrictions. However, if you exercise this access right, CEIRA may charge you a reasonable fee for copying and sending the information to you.
You may withdraw your consent to the collection, use and disclosure of your personal information, subject to certain limitations including the obligations of CEIRA's subscribers.
CEIRA's contact for the purposes of the administration of this policy, and any questions related to it, is:
CEIRA’s General Manager