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Terms and Conditions

MY INSURANCE BROKER CORP:

CAA Membership Incentive Campaign (CP24)– Legal Terms and Conditions

Effective Date: May 2nd, 2022

Expiration Date: June 30th, 2022

MY INSURANCE BROKER CORP. and its affiliated companies (collectively “MIB”) are committed to the protection of your personal information.

MIB takes full responsibility for the management and confidentiality of personal information we collect and use. Personal information is collected, used, shared and stored in accordance with the Personal Information Protection and Electronic Documents Act, S.C. 2000, c.5 and any applicable provincial privacy laws that may apply to MIB from time to time.

This promotion is not developed or distributed in partnership with CAA, and is has no affiliation or connection with CAA’s activities, both online and offline, mobile apps, as well as in person or telephone interactions. This includes CAA Memberships, the provision of CAA roadside, retail, travel, insurance, CAA Rewards® and other product and service offerings.

CAA carries on business as “CAA South Central Ontario” in Ontario. Authorization has been provided to MIB to provide a CAA Membership to all prospective and qualified Ontario residents residing in the CAA South Central Ontario membership trading area in connection with its CP24 “Get A Quote. Get A Membership” campaign.

Quotes and policies provided by My Insurance Broker Corp., including any special offers, discounts, or products, are done so in accordance within the laws of Ontario, and under the governance of the Registered Insurance Brokers Act, R.S.O. 1990, c. R19. Offers and fulfillment are the sole responsibility of My Insurance Broker Corp. and cannot be claimed, requested or delivered by CAA South Central Ontario, or any affiliated companies.

MIB reserves the right to present quotes based on “The All Comers” rule from one or more of its companies based on coverage and pricing most suitable for the applicant. Some of the represented insurance Partners include CAA Insurance, Aviva Insurance, Traders Insurance, Intact Insurance, Pembridge Insurance, Echelon Insurance, Gore Mutual Insurance, Difinity Insurance, and various other insurance partners that My Insurance Broker is contracted to represent. Please see below for a full list of insurance carrier partners. My Insurance Broker Corp is not an insurance company, and acts in the placement of insurance coverage based on its authorized licensing as an insurance agent, or broker through the regulatory body of the Registered Insurance Brokers of Ontario.

®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.

My Insurance Broker Corp., is a brokerage operating in the province of Ontario and has been authorized as an insurance broker partner of CAA Insurance to offer eligible participants exclusively for households within the fulfillment region of CAA South Central Ontario. Individuals and household addresses which do not fall within this region will not be eligible for this offer. One complimentary membership offer per household. My Insurance Broker Corp. provides supplementary cost of one (1) BASIC MEMBERSHIP for the first year. All future renewals, upgrades, and add-ons (including those during the complimentary term), are at the direct cost and expense of the recipient.

Members of the Ontario public who do not qualify for the CAA Membership Incentive Campaign due to territory restrictions will be eligible to receive an alternative gift for their participation in this offer. This alternative gift does not have to be of the same or equal value as the CAA Membership offer. This may include but is not limited to, a $25.00 Gas Card at Petro Gas Station, a $25 Canadian Tire Gift Card, or any other partnered gift as determined by My Insurance Broker Corp.

All policies sold, premiums collections, commissions earned, and services provided are provided by and distributed through My Insurance Broker Corp. in its capacity as a registered licensed brokerage. Any discrepancies, questions, concerns, or issues pertaining to any insurance related queries must be forwarded to My Insurance Broker Administration Team via the contact information provided below. A representative will follow up with your query within 24 hours of the next business day.

For more information please visit www.myinsurancebroker.com/CP24CAAMembership or contact My Insurance Broker at (905) 695-2080 or write us at 163 Centennial Parkway North, 4th Floor, Hamilton, ON L8E 1H8 or by email to info@myinsurancebroker.com

*By combining your auto and home policies, customers can save up to $500. This savings amount is an estimate and is not a guaranteed savings amount. The amount varies based on each person’s individual insurance profile. Further discounts are available through select carriers.

In order to bind your insurance policy, you will need to speak directly with a licensed insurance broker who will assist you. In the event of a conflict or discrepancy between the information on this website and your insurance policy, the terms of your insurance policy will prevail. Not all individuals who call in will qualify for a telephone or online quote. My Insurance Broker is authorized by its carrier partners to bind policies over the telephone using pre-approved scripting and recorded phone calls.

Insurance products offered on this website are distributed through My Insurance Broker Corp. in partnership with multiple insurance partners and underwritten through any one of:

• CAA Insurance Company
• Aviva Canada
• Novex Insurance
• Intact Insurance
• SGI Canada Insurance
• Coachman Canada Canada
• Pembridge Insurance
• Pafco
• Jevco
• Wawanesa Insurance
• Northbridge Insurance
• Gore Mutual
• Travelers Insurance Company of Canada

Privacy Policy

My Insurance Broker is committed to protecting your privacy in accordance with all Canadian Information Security Laws including the Personal Information Protection and Electronic Documents Act (PIPEDA). The following is meant to inform you about how we handle your personal information, our responsibilities, and your rights with respect to the collection, dissemination, and use of your personal information.

Information disclosed by you

We collect personal information from you when you inquire about our insurance policies, request a quote, apply for insurance, make a payment, or open a claim under your insurance policy. This information includes personal information such as your name, contact information, marital status, driver’s licence, vehicle or property descriptions, loan or mortgage details, and payment or banking information.

Information collected from third parties

We also collect information from a number of third parties as permitted by law. These include insurance agents and brokers, insurance companies, government bodies, consumer reporting agencies, insurance adjusters, home contractors, auto shops, and other third parties who can provide information about or services related to you or your insured vehicle or property. 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. This information includes personal information such as (but not limited to):

Driving record and claims history

• Credit information
• Accident reports
• Witness statements
• Medical records
• Calls, online chats, and other communications

We may record calls, online chats and other communications to ensure quality customer service, confirm our discussions and your instructions, resolve complaints, and train our staff. If you do not want your communications to be recorded, you can choose to conduct business with us by visiting one of our offices, or by writing, or emailing us.

Cookies, browser storage, and other technologies

We may use cookies, browser storage 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. For information about the cookies, browser storage and other technologies we use, and how to disable these, visit our website Terms of Use.

Why we collect, use, and disclose information

We collect, use, and disclose personal information for a number of reasons including (but not limited) to:

• serve you better and communicate effectively with you;
• verify your identity and property;
• assess and underwrite insurance risks;
• determine prices, fees and premiums;
• investigate and adjust insurance claims;
• settle or arrange for the settlement of insurance claims, including structured settlements;
• promote and market products and services offered by us, our affiliates, or our strategic partners and alliances, which may include insurance companies, insurance brokers, agents, adjusters and other intermediaries;
• conduct market research;
• recognize and deliver relevant ads to you on our and third party websites and apps;
• report to regulatory or industry entities consistent with prudent and legally required insurance industry practices, including claims history;
• detect, prevent and suppress fraud, unauthorized, or illegal activities;
• comply with all applicable laws, including tax requirements;
• share your information with third party service providers for external processing such as data or payment processing;
• share your information among our affiliates for any of the above purposes.

When we disclose information

When we disclose your personal information to third parties, we require them to protect and handle your personal information in a manner consistent with our 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.

How to correct and access your information

You have the right to request correction of your personal information. You also have a right to access your personal information under our control, subject to any legal restrictions or rights of refusal. However, if you exercise this access right, we may charge you a reasonable fee for copying and sending the information from your file. If you want to access your file or have it corrected, please contact our Rick Jaitley our privacy officer.

How to withdraw your consent

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 our Privacy Officer.

Questions or concerns? We want to hear about it.

For questions or concerns about our Privacy Policy, or our privacy practices, please contact our Privacy Officer at:

Rishi Jaitley, Privacy Officer & President My Insurance Broker Corp., MIB Financial Corp. 50 West Wilmot Street, Unit 6 Richmond Hill ON L4B 1M5 1 (905) 695-2080 1 (877) 482-5001

If you have a concern we are not able to resolve, you have the right to contact your privacy regulator.

We may update this Privacy Policy from occasionally, so please review it often. If we update our Privacy Policy, we will post the most recent version on this website.

Effective Date: April 23, 2022.