Privacy Policy & Legal Information

1. Privacy Policy

1.1 Information We Collect

We may collect and process the following types of information:

a. Personal Information

• Full name
• Email address
• Phone number
• Mailing address
• Date of birth (if provided)
• Information submitted through forms, quotes, or communications

b. Insurance-Related Information

• Policy inquiries and coverage preferences
• General risk-related information (e.g., property or vehicle details if voluntarily submitted)

c. Technical Information

• IP address
• Browser type and version
• Device type and operating system

d. Usage Data

• Pages visited
• Time spent on the website
• User interactions and navigation patterns

1.2 How We Use Your Information

We use your information to:

• Provide insurance-related services and respond to inquiries
• Process quote requests and communicate with you
• Improve website functionality and user experience
• Maintain security and prevent fraud
• Comply with legal and regulatory obligations

1.3 Consent

By using our website or submitting information, you consent to the collection, use, and disclosure of your personal information as outlined in this policy.

You may withdraw consent at any time, subject to legal or contractual limitations.

1.4 Disclosure of Information

We do not sell or rent your personal information. We may disclose your information:

• To licensed insurance partners, underwriters, or service providers where necessary
• To third-party vendors supporting our operations (e.g., hosting, analytics)
• When required by law or regulatory authorities
• To protect our legal rights or prevent fraud

1.5 Data Storage and Security

Your information may be stored on secure servers in Canada or other jurisdictions where our service providers operate.

We implement reasonable safeguards, including:

• Encryption and secure data storage
• Restricted access to personal information
• Ongoing monitoring and security practices

However, no data transmission over the internet can be guaranteed as fully secure.

1.6 Retention of Information

We retain personal information only as long as necessary for business purposes or as required by law, including regulatory obligations related to insurance services.

1.7 Your Rights Under Canadian Law

You have the right to:

• Access your personal information
• Request corrections to inaccurate data
• Withdraw consent (where applicable)
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise these rights, contact: info@mbeinsurance.ca

2. Terms of Use

2.1 Acceptance of Terms

By accessing or using the MB Insurance website, you agree to comply with these Terms of Use and applicable laws of Ontario and Canada.

2.2 Permitted Use

You agree to:

• Use the website for lawful purposes only
• Not attempt unauthorized access to systems or data
• Not disrupt or interfere with website functionality

2.3 No Insurance Advice

Information provided on this website is for general informational purposes only and does not constitute insurance advice, a binding quote, or an offer of coverage.

All insurance products are subject to terms, conditions, and approval by licensed insurers.

2.4 Intellectual Property

All website content—including text, logos, graphics, and materials—is the property of MB Insurance or its licensors and is protected under Canadian intellectual property laws. Unauthorized use is prohibited.

2.5 Limitation of Liability

To the fullest extent permitted by law, MB Insurance shall not be liable for:

• Any direct or indirect damages arising from use of the website
• Loss of data, profits, or business opportunities
• Errors, omissions, or interruptions in service

2.6 Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

2.7 Changes to Terms

We may update these Terms at any time. Continued use of the website constitutes acceptance of any changes.

3. Cookies Policy

3.1 What Are Cookies

Cookies are small text files stored on your device that help improve website performance and user experience.

3.2 Types of Cookies Used

• Essential Cookies: Required for core website functionality
• Analytics Cookies: Help us understand website usage
• Functional Cookies: Store preferences and improve usability

3.3 How We Use Cookies

We use cookies to:

• Enable website features
• Analyze traffic and user behavior
• Improve performance and services

3.4 Consent to Cookies

Where required by law, we obtain your consent before placing non-essential cookies on your device.

3.5 Managing Cookies

You can control or disable cookies through your browser settings. Disabling cookies may affect functionality.

4. Legal Disclaimer

4.1 General Information Only

Content on this website is provided for informational purposes only and does not constitute legal, financial, or insurance advice.

4.2 No Warranties

MB Insurance makes no guarantees regarding:

• Accuracy or completeness of information
• Availability or uninterrupted access to the website

4.3 Third-Party Links

Our website may contain links to third-party websites. MB Insurance is not responsible for their content or privacy practices.

4.4 Use at Your Own Risk

Your use of this website is entirely at your own risk.

5. Accessibility Policy (AODA Compliance)

5.1 Commitment to Accessibility

MB Insurance is committed to ensuring digital accessibility in accordance with the Accessibility for Ontarians with Disabilities Act (AODA).

5.2 Accessibility Features

We strive to:

• Provide clear navigation and structured content
• Ensure compatibility with assistive technologies
• Use readable fonts and adequate color contrast
• Follow WCAG (Web Content Accessibility Guidelines)

5.3 Continuous Improvement

We continuously monitor and improve our website to enhance accessibility and usability.

5.4 Feedback and Assistance

If you encounter accessibility barriers or need assistance, please contact us:

Email: info@mbeinsurance.ca

We will make reasonable efforts to address concerns promptly.