Privacy Policy - McIver Insurance

Last Updated:
1. Introduction & Scope
McIver Insurance (“we,” “us,” “our”) respects your privacy and is committed to protecting personal information in accordance with applicable Canadian privacy laws (e.g. the Personal Information Protection and Electronic Documents Act (“PIPEDA”) or applicable provincial privacy statutes). This Privacy Policy describes how we collect, use, disclose, and safeguard personal information through our website mciverinsurance.com, mobile versions thereof, and interfaces with third-party services (e.g. ads, analytics).

By accessing or using our website or engaging with our services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with the terms, please do not use our website or submit personal information to us.
This Policy covers:
● Personal information collected directly from you (e.g. forms, account creation)
● Personal information collected automatically (e.g. cookies, device data)
● Use, disclosure, and retention of personal information
● Advertising/marketing, remarketing, and tracking (Meta, Google, etc.)
● Your rights and choices
● Security, transfers, children, changes, etc.

2. What Personal Information We Collect
We may collect the following categories of personal information, depending on your interaction with us:
a. Information Provided Directly by You
● Name, address, email, telephone number
● Date of birth, gender, occupation, employer
● Health or medical information (if needed for quotes / underwriting)
● Beneficiary or dependent information
● Payment information (e.g. credit card, banking info)
● Insurance history or claims data
● Other information you choose to provide (via contact forms, emails, applications)
b. Information Collected Automatically / Technical Information
● IP address, device identifiers, browser and operating system, time stamps
● Web usage data (pages visited, clicks, time on page)
● Referrer URL, navigation paths, performance data
● Cookies, pixel tags, web beacons, and similar technologies
● Location data (if enabled)
● Advertising identifiers (e.g. mobile advertising IDs)
c. Information from Third Parties
● When you apply for insurance or provide consent, we may obtain data from insurance carriers, credit reporting agencies, health providers (with your consent), or other service providers
● Marketing, demographic, or interest data from data partners or ad platforms
● Social media profiles (where you permit or link your account)

3. How We Use Your Personal Information
We use personal information for the following purposes:
● To assess and provide insurance services, quotes, underwriting, claims handling
● To communicate with you (e.g. emails, phone calls, notifications)
● To process payments, billing, verification, fraud prevention
● To operate, maintain, improve, and secure our website and systems
● To personalize your experience, tailor content or offers
● To track, measure, and analyze usage, performance, and traffic
● To deliver marketing, promotions, offers, and advertising (including via Meta, Google, remarketing)
● To comply with legal, regulatory, audit, and tax obligations
● To detect and prevent misuse, security threats, or other liabilities
When we use your personal information for a purpose other than those listed above, we will notify you (at or before the time of collection) and, where required, obtain your consent.

4. Cookies, Tracking, and Online Advertising
a. Cookies and Similar Technologies We and our service providers use cookies, pixel tags, local storage, and similar technologies to collect and store information when you visit our website. These may be:
● Strictly necessary cookies (essential for site functions)
● Performance / analytics cookies (to analyze usage, site performance)
● Functional cookies (to remember preferences)
● Advertising / targeting cookies (to tailor ads to your interests)

You can adjust browser settings to block cookies or alert you when cookies are being used, though some features of our site may not function properly.
b. Third-Party Analytics & Tracking We may use third-party analytics services (e.g. Google Analytics) to understand how visitors use our website. These tools help us with traffic analysis, trend reporting, and site optimization.
We may also use tools like Google Tag Manager, Facebook Pixel, and similar tags to manage and integrate multiple tracking and advertising scripts.
c. Remarketing, Retargeting, and Ad Platforms We may engage in remarketing or retargeting, meaning we show ads to users who visited our site or took certain actions, via ad networks or platforms such as:
● Meta Ads (Facebook, Instagram)
● Google Ads / Google Display Network / Google Remarketing
● Other online ad networks
● Programmatic / ad exchanges
These platforms may use cookies or similar identifiers to deliver relevant ads and measure ad effectiveness.
d. Data Sharing with Ad Platforms To run and optimize ads, we may share hashed or anonymized identifiers (e.g. email hashes), event data (e.g. “lead submitted,” “page viewed”), or audience segments (e.g. “website visitors”) with advertising platforms. We do not provide sensitive personal information to ad platforms for targeting (unless you have explicitly consented).
e. Opting Out of Advertising / Targeting You may opt out of receiving personalized advertising or limit ad tracking via:
● Ad settings with Google (Ads Settings)
● Facebook Ad Preferences
● Device settings (e.g. iOS/Android limit ad tracking)
● “Do Not Sell or Share My Personal Information” (if applicable)
● Browser plug-ins or settings blocking tracking
When you opt out, we will not deliver personalized ads to you, though you may still see generic ads.

5. Disclosure of Personal Information
We may disclose personal information to:
● Insurance carriers, insurers, reinsurers, third-party service providers, underwriters
● Third-party vendors, IT and cloud providers, analytics and ad platform providers
● Regulatory authorities, legal or governmental bodies (if required)
● Fraud prevention agencies, security or audit firms
● Law enforcement or in response to legal process or court orders
● When asked by you / with your consent
We require that third parties with which we share your personal information comply with this Privacy Policy or equivalent safeguards.

6. International Transfers
Because some of our service providers (analytics, hosting, ad platforms) may be located outside Canada (e.g. United States), your personal information may be transferred, stored, or processed in jurisdictions with different privacy laws.
Where permitted by law, we rely on appropriate safeguards (e.g. Standard Contractual Clauses, vendor contractual commitments, or other legal mechanisms).
By using our website, you consent to such transfers, processing, and storage.

7. Data Retention
We retain personal information only as long as necessary to fulfill the purposes for which we collected it, comply with legal or regulatory obligations, resolve disputes, enforce agreements, or as needed for audit and risk management.
When no longer needed, we securely delete, anonymize, or de-identify the data.

8. Your Rights and Choices
Depending on applicable law, you may have the following rights:
● Access: Request a copy of your personal information
● Correction: Ask us to correct inaccurate or incomplete data
● Deletion: Ask us to delete your personal information (subject to legal limits)
● Restriction: Request we restrict further processing
● Portability: Request transfer of your personal information to another entity
● Objection: Object to processing (especially direct marketing or profiling)
● Withdraw consent: Where we rely on your consent, withdraw at any time
● Opt out of marketing communications
To exercise any of these rights, please contact us (see Section 11 below). We may ask for verification before fulfilling requests.
If you believe we have violated your privacy rights, you may lodge a complaint with the relevant privacy regulator (e.g. the Office of the Privacy Commissioner of Canada or provincial regulator).

9. Security and Safeguards
We take reasonable administrative, technical, and physical measures to protect personal information against unauthorized access, disclosure, alteration, or destruction. These include encryption, access controls, firewalls, regular security reviews, staff training, and vendor due diligence.
However, no system is completely secure. If you suspect a breach or unauthorized use, please notify us immediately.

10. Children
Our website and services are not intended for children under the age of majority (18 or as applicable). We do not knowingly collect personal information from minors without parental consent. If you believe we have inadvertently collected such data, contact us, and we will delete it.

11. Contact / Privacy Officer
If you have any questions, requests, or concerns about this Privacy Policy or our data practices, you can contact us:

McIver Insurance
Privacy Officer: Patrick McIver, Principal Broker
Address: 90 Lovett Lake Court, Suite 301, Halifax, NS B3S 0H6
Email: pat@mciverinsurance.com
Phone: 902-220-3279
If you are dissatisfied with our handling of your personal information, you may also contact your provincial privacy commissioner or the Office of the Privacy Commissioner of Canada.

12. Changes to This Privacy Policy
We may update this Policy from time to time (e.g. to reflect new practices, legal requirements, or new features). When we make changes, we will revise the “Last Updated” header and, where required, notify you (e.g. via email or prominent notice on the website).
Your continued use of the website or provision of personal information after modifications constitute acceptance of the updated Policy.