Privacy Policy

1. Introduction

Harbour Policy ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website harbourpolicy.com (the "Site") and use our services. This policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's Anti-Spam Legislation (CASL), and applicable provincial privacy legislation.

2. Accountability

Harbour Policy has designated a Privacy Officer who is responsible for our compliance with this Privacy Policy and applicable privacy legislation. If you have questions, concerns, or complaints about our privacy practices, you may contact our Privacy Officer at:

3. Information We Collect

When you use our quote form, we collect the following personal information that you voluntarily provide:

We also automatically collect certain technical information when you visit our Site, including your IP address, browser type, operating system, referring URLs, and pages visited. This information is collected through cookies and similar technologies and is used to improve our Site performance and user experience.

4. Purposes for Collecting Your Information

We collect and use your personal information for the following specific purposes, which are identified at or before the time of collection:

• •To connect you with a licensed advisor: We share your information with a licensed life insurance advisor who will contact you to discuss personalized coverage options based on your responses.
• •To verify your identity: We use SMS verification through Twilio to confirm your phone number before submitting your information.
• •To communicate with you: We may contact you regarding your inquiry, to provide updates about our services, or to respond to your questions.
• •To improve our services: We use aggregated and anonymized data to analyze trends, improve our Site, and enhance the user experience.
• •To comply with legal obligations: We may use or disclose your information as required by applicable Canadian law, regulation, or legal process.

5. Consent

We obtain your express consent before collecting, using, or disclosing your personal information. By completing and submitting our quote form, you expressly consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. Given that we collect health-related information (nicotine or tobacco use), which is considered sensitive under PIPEDA, we rely on your express consent provided through the form submission process.

You have the right to withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. To withdraw your consent, please contact us at [email protected]. Please note that withdrawing consent may affect our ability to provide you with the services you requested.

6. Disclosure of Your Information

We may share your personal information with the following categories of third parties, solely for the purposes described in this policy:

• •Licensed Insurance Advisors: Your information is shared with a licensed life insurance advisor who will contact you to provide personalized coverage options and quotes.
• •Service Providers: We use third-party service providers to operate our Site and deliver our services, including Twilio (SMS verification), Cloudflare (website hosting and security), and customer relationship management platforms. These providers are contractually obligated to protect your information and use it only for the services they provide to us.
• •Legal Requirements: We may disclose your information if required to do so by law, in response to a court order, subpoena, or other legal process, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law. Specifically, lead information submitted through our quote form is retained for a maximum of 24 months from the date of submission. After this period, your personal information is securely deleted or anonymized. You may request earlier deletion of your information by contacting us at [email protected].

8. Safeguards

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit using TLS/SSL protocols, secure storage of personal information with access controls, regular security assessments and monitoring, and limiting access to personal information to authorized personnel only. While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Your Rights Under PIPEDA

Under PIPEDA, you have the following rights regarding your personal information:

• •Right of Access: You may request access to the personal information we hold about you. We will respond to your request within 30 days.
• •Right of Correction: You may request that we correct any inaccurate or incomplete personal information we hold about you.
• •Right to Withdraw Consent: You may withdraw your consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions.
• •Right to Complain: If you are not satisfied with our response to your privacy concern, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.

To exercise any of these rights, please contact our Privacy Officer at [email protected]. We will verify your identity before processing your request.

10. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience and analyze Site usage. Cookies are small text files stored on your device when you visit our Site. We use essential cookies that are necessary for the Site to function properly, as well as analytics cookies that help us understand how visitors interact with our Site so we can improve it. You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of our Site.

11. Cross-Border Data Transfers

Some of our service providers may store or process your personal information outside of Canada, including in the United States. When your information is transferred outside of Canada, it may be subject to the laws of that jurisdiction, which may differ from Canadian privacy laws. We take reasonable steps to ensure that your information receives an adequate level of protection in the jurisdictions in which it is processed, including through contractual obligations with our service providers.

12. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the revised policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

You may also contact the Office of the Privacy Commissioner of Canada if you have concerns about our privacy practices: