1. Who this policy concerns
This Privacy Policy concerns the website rincolatit.com and enquiries associated with Velmora Assurance Ltd. at 486 Front St W, Toronto, ON M5V 0V2, Canada. It explains the categories of information relevant to an insurance enquiry, the purposes for which information may be handled, the circumstances in which disclosure may be considered, and the choices available to individuals.
Insurance information can be sensitive, even when an initial conversation concerns only general coverage interests. The enquiry form is therefore limited to identifying and contact details, province or territory, age, the selected situation, insurance priority, selected coverage topics and any non-sensitive message an individual chooses to provide. Please do not include medical history, financial account numbers, identity documents or payment details in the message field.
2. Information individuals may provide
When an individual completes an enquiry or communicates directly using the published contact details, the information may include first and last name, email address, telephone number, province or territory, age, the selected situation, preferred insurance topic and any further non-sensitive questions volunteered. Information supplied separately during a later conversation, if any, should be considered in the context of that separate exchange and the applicable privacy notice.
Preferences chosen in the coverage selector are used to organize topics on the page. A selection does not determine insurability, calculate an individualized premium or constitute an insurance application. We do not ask for health records, government identification or card information through the website enquiry form.
3. Purposes and appropriate use
Contact and enquiry information is used to identify the topic an individual wants to discuss, responding to an enquiry when transmission is successfully confirmed, addressing corrections, and answering questions relating to the website or its published business contact information. Information should not be reused for an unrelated purpose without an appropriate basis and, where required, further consent.
Information is to be limited to what is reasonably necessary for the stated purpose. Information about a requested coverage category is used as an indication of interest, not as a medical, financial or underwriting determination. A product recommendation or quote cannot be inferred from the website selector alone.
4. Consent and communications
Submitting the enquiry form authorizes contact only for the purpose of responding to that specific request. The website does not ask visitors to subscribe to promotional email messages or include consent to ongoing marketing in the enquiry. A request for information must not be treated as express consent to unrelated advertising messages.
Any future promotional email programme would require its own appropriate consent process and applicable identification and unsubscribe requirements under Canada’s Anti-Spam Legislation. Individuals may ask about the handling of their enquiry or request a correction to their contact details by contacting [email protected].
5. Sharing and insurance-related third parties
A request on this website does not itself authorize an insurer to assess an application or issue a policy. If a subsequent process involves an insurer, licensed intermediary or other service provider, the identity and role of the recipient and the relevant purposes should be explained before any application-specific or sensitive information is shared. Relevant parties may have their own privacy notices and legal obligations.
Personal information may also be disclosed when required by applicable law or valid legal process. Information should not be sold or distributed for unrelated marketing on the basis of a general information request. No specific insurer, insurer partnership, data recipient or underwriting arrangement is represented by the coverage categories shown on the website.
6. Website technology and cookies
The website uses a cookie preference control for necessary site preferences. Optional analytics and advertising identifiers are not active on this website at the date of this policy. If optional analytics or advertising technologies are activated, their purposes and providers must be disclosed and the relevant consent controls provided before optional storage is used. More information appears in the Cookie Policy.
Font resources may be retrieved from Google Fonts when the site is opened, in which case a connection to Google-operated infrastructure may involve routine technical information such as IP address and browser request metadata. The site operator should review external service arrangements and disclosures whenever the production environment changes.
7. Retention and safeguards
Personal information should be retained only as long as needed for the purpose for which it was obtained and to satisfy applicable legal, accounting, recordkeeping or dispute-resolution duties. A specific retention period cannot be assumed to apply to every category of enquiry or to records maintained by a separate insurer. Individuals may ask which retention period applies to information actually held about them.
Reasonable administrative, organizational and technical safeguards are appropriate to the sensitivity of the information held. Access to any received personal information should be limited to authorized persons who need it for a defined purpose. No internet communication or storage system can be described as entirely risk-free, and sensitive documents should not be sent through this general enquiry form.
8. Access, correction and withdrawal
Individuals may request access to personal information held about them, seek correction of inaccurate information, ask questions about how their information has been used, or withdraw consent where applicable and subject to legal or contractual restrictions. Requests may be directed to [email protected] with enough information to identify the relevant enquiry without sending unnecessary sensitive details.
Requests will be considered in light of applicable Canadian privacy law, including the Personal Information Protection and Electronic Documents Act where relevant and any substantially similar provincial legislation that applies. Where a request concerns information held by a separate insurer or licensed professional, that organization may be the appropriate recipient.
9. Questions, complaints and changes
Questions about this Privacy Policy may be sent to Velmora Assurance Ltd., 486 Front St W, Toronto, ON M5V 0V2, Canada, at [email protected] or +14162032355. Individuals may also contact the appropriate Canadian privacy oversight authority where they believe their privacy rights have not been respected.
The policy may be revised to reflect changes in website functions, information handling practices or applicable laws. Material changes affecting consent or new purposes should be brought to individuals’ attention as appropriate. The current version carries its last-updated date at the top of the document.