Privacy Policy

This Privacy Policy (“Policy”) describes how OnPoint Insuretech Solutions of Canada ULC (“OnPoint”, “we”, “us”, “our”) collects, uses, shares, and retains your information when you visit our websites, as well as the rights you have with respect to your personal information and how to exercise those rights. 

Commitment to protecting your privacy

At OnPoint we are committed to providing you with great customer service. We do our best to treat you fairly and with respect.

Protecting your privacy and the confidentiality of your personal information is fundamental to our relationship with you, and to your trust in us.

This Policy informs you of our practices that help protect your privacy and keep your personal information safe and secure.

The term "personal information" means individual and particular details about you that you provide to us or we obtain as a result of the products and services you use.

We may change this Policy at any time.  If we do, we will post the revised policy on our website.

Collecting and using personal information

Prior to collecting your personal information, we will state the purpose of our request and obtain your consent as required by applicable law. We may collect, use, and disclose personal information for the purpose of administering and/or servicing a service contract, warranty or insurance policy, handling a claim or providing requested services. Additional purposes for which we need your personal information may include, but are not limited to:

  • To process your purchase of coverage (e.g., to verify your identity and confirm the information you provided);
  • to communicate with you about your coverage;
  • to evaluate which products and related services meet your needs;
  • to investigate and adjust your claims;
  • to respond to complaints;
  • to prevent, detect, and/or investigate crime or fraud;
  • to comply with laws, directives and recommendations imposed by authorities, as well as OnPoint internal policies;
  • to conduct data analytics;
  • to insure coverage risks;
  • to establish and collect payment in relation to our products and services; and
  • as may be required or authorized by law.

You may refuse or withdraw consent for us to use your information. If you do, we will respect and record your choices. We will advise you if your choices impact our ability to serve you as a customer. 

We ask for your personal information to establish, communicate and serve you as customer.

Information we may collect and how we gather it:

  1. From you (or provided to us on your behalf), via online and other forms you submit to us, we may collect, for example, your name, address, age, telephone number, and email address.

    2.From your transactions with our companies and/or other non-affiliated parties, we may collect, for example, your name, address, telephone number, email address, transaction history, and previous service contract and/or insurance claims history.

    3. From you, when you enroll, request a service, or file a claim or service request on one of our websites, we may collect, for example, your name, address, contract number, credit card issuer, account number, personal identification number, email address, service contract, and claim or service request information. We may also use your email address to send you customer satisfaction surveys.

    4. From your visits to our Internet websites, we may collect information through cookies such as a session number and user ID. For information on cookies and management of your cookies, refer to the section of this Policy titled “Cookies”.

Sharing personal information

We may share your information with our affiliates, insurers, service providers, banking institutions, and parties with whom you have provided your consent,.  In addition, we may share your information in the following situations:

  1. When required or permitted by law - We may release personal information to help us collect a debt you may owe to us, or because we may be obligated to give information in response to a court order or subpoena, or in the course of an investigation.
  2. Transfers of a business – If we consider selling, or actually sell parts of our business, we may release personal information to third parties involved with the potential or actual sale.
  3. For marketing services - We may share customer information with persons or organizations inside or outside our family of companies that perform marketing services for us or with whom we have joint marketing agreements.
  4. For customer service purposes - We give limited information as needed to our suppliers, partners, affiliates, and agents who provide goods and services to you on our behalf, or who perform support services on our behalf.  All our suppliers, partners, affiliates, and agents, as part of their agreements with us, are bound to conform to our privacy standards and to maintain your confidentiality in a manner consistent with this Policy, and may not use your information for any unauthorized purpose.  We have the right to audit these suppliers, partners, affiliates, and agents for compliance. 

Protecting personal information

We restrict access to your information to authorized employees, and to the authorized employees of our member companies and our service providers that we determine have a legitimate business purpose to access such information in connection with the products or services you have applied for, or hold with us.

We maintain physical, electronic and procedural safeguards.  

We provide training and communication programs to educate employees about the meaning and requirements of our strict standards for data security and confidentiality.

All our suppliers and service providers, as part of their agreements with us, are bound to maintain confidentiality and may not use your information for any unauthorized purpose.

When your information is no longer needed for the purposes explained to you, and following applicable retention periods for our corporate records, we have procedures to destroy, delete, or erase your personal information.

We are headquartered in the United States. Our sites and services are hosted and administered by cloud service providers who are headquartered in the United States and in other countries. If you are located outside the United States, be aware that information you provide to us or that we obtain as a result of your use of our sites and services may be processed in, transferred to, and stored in the United States and in any other countries from where our cloud service providers operate. Please be aware that the privacy laws and standards in certain countries may differ from those that apply in the country in which you reside. By using our sites and services or providing us with your information, you consent to the transfer of your information for processing and storage to the United States and any other country from where our cloud service providers operate.

Electronic Communication and Website Usage

Email and contacting us through our website

We recognize that unencrypted email is not secure. An email message could be accessed and viewed by others without your knowledge or consent while in transit to us. We strongly recommend that you not include sensitive or confidential information in an unencrypted email. Please contact us to find out your options for secure communications with us.

We make efforts to protect your personal information using security measures appropriate to the sensitivity of the information that you provide or access through our websites. However, because no data transmission over the Internet can be guaranteed to be perfectly secured, any personal information you submit to us or access electronically is done at your own risk, and we do not guarantee or warrant the security of information transmitted in this manner. 


Our use of cookies

Essential (which are strictly necessary) and non-essential cookies (functional, analytical and advertising cookies) may be used on our websites.  In accordance with applicable law, we are able to store certain cookies on your device if they are essential or strictly necessary for the operation of the site. For all other types of cookies, we require your permission.

Cookies are pieces of information or data, sent to your browser (e.g. Chrome, Safari or Firefox) from a web server and stored on your computer’s hard drive for record-keeping purposes, or for personalization of certain aspects of your visit to our website. Through the use of cookies and other technologies, we can understand your use of the site and provide a better customer experience.

We may use cookies for the following purposes: 


    • to learn which pages you visit and how you interact with our websites;
    • to assist us in authenticating you and your computer and administering our secure websites;
    • to personalize your site experience:
    • to assist us with application support issues; and
    • to determine how many people visit our websites and which sections of the websites are visited most frequently. 

    Essential cookies – We use these cookies to enable basic features for the functioning of the site you are browsing, such as providing secure log-in or remember which pages you have visited.

    Functional cookies – These cookies allow us to analyze your use of the site to evaluate and improve our performance. They may also be used to provide a better customer experience on the site you are browsing. For example, remembering your preferences or log-in details, or providing us information about how you are using our site.

    We do not use advertising cookies. 

Managing your cookie preferences

Managing cookie preferences is available on all of our sites. You can manage your cookie choices and preferences by clicking “Customize” on the site you are visiting. Disabling certain cookies may result in certain parts of the website not operating correctly or prevent you from taking full advantage of some of the features of our website.

 Links to other websites

Our websites may contain links to other websites that may have online information practices different from ours.  We are not responsible for the privacy, content, and security practices of those websites.  If you make use of any links, we encourage to learn about the privacy and security practices of those websites.

Your privacy rights

Your right to access your personal information

If you would like access to your personal information, forward a written request to the email or physical address appearing at the end of this Policy. If requested, we will assist you in making your request. We will advise you in advance if a minimal charge will be required for searching and retrieving your personal information. We will respond to your written request within 30 days.  

We will not be able to provide information from our records about you if those records contain references to other persons, are subject to legal privilege, contain confidential information proprietary to OnPoint, or cannot be disclosed for other legal reasons.

If you have questions regarding decisions made about you, we will tell you the reasons for those decisions.

We only retain personal information for as long as is necessary for the purpose for which it was collected. When we no longer are required to retain the information, we will destroy, erase, or de-identify the information. Legal requirements, however, may require us to retain some or all of the personal information we hold for a period of time that is longer than that for which we might otherwise hold.

Keeping your personal information accurate

We will make every reasonable effort to keep your information accurate and up-to-date.

Please keep us informed of any changes in your personal information, such as a change of name, address, telephone number, or email address. If you find any errors in our information about you, please tell us and we will correct and update your file, if warranted. For information that remains in dispute, we will note the dispute in your file.

Contact us – addressing your requests

We are committed to responding to your privacy requests promptly, fairly, and with respect.

Questions, complaints, updating your information, and access to your information

If you have a question or complaint about our privacy practices or this Policy, you would like to update your name, address, telephone, or other account information, or would like to request access to your information, please contact us at the address or email address listed below. In your written request, please provide your name, address, telephone number, and account number, along with any other details with respect to your question, complaint or access request that are helpful to understand your matter. We may be contacted at:


1400 Main Street, Suite 132

Clarksville, Indiana 47129 U.S.A.


Additional resources 

If your complaint, or your request to access your information, remains unresolved after contact with us, you may choose to contact the Office of the Privacy Commissioner serving your province, or the Federal Privacy Commission.



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