Privacy Policy

1. Introduction

CCLI (“we”, “us”, “our”, “CCLI”) operates the website at https://www.compare-canadianlifeinsurance.ca/ (the “Site”) and related services (collectively, the “Services”). We respect your privacy and are committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, store, and protect your information, and your rights in relation to your data.

By using our Site or Services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use the Site or submit your personal information.

2. What Information We Collect

We may collect the following types of information:

a) Personal Information

Information that can identify you or is associated with your identity, such as:

Name

Email address

Phone number

Postal address

Province of residence

Date of birth / Age

Gender

Medical history / health information (if required for insurance quoting)

Employment / income / occupation

Other details relevant to insurance underwriting (e.g. lifestyle, smoking status)

b) Usage & Technical Information

Automatically collected data when you visit or use our Site/Services, including:

IP address

Browser type and version

Device type and operating system

Pages visited, time spent, click behavior

Referring URL

Date and time stamps

Cookies, pixel tags, and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

To provide quotes and offer insurance products via our platform

To communicate with you (email, phone, SMS) about quotes, services, status updates, reminders

To match you with insurance providers and submit your application details

To process your requests, support inquiries, or service your account

To analyze usage, improve our Site, Services, and user experience

To conduct marketing and promotional activities (unless you opt out)

To comply with legal, regulatory, and security obligations

To protect our rights, safety, or property, or those of others

4. Sharing & Disclosure of Information

We may share your information in the following ways:

With Insurers / Underwriters: When you request a quote or initiate an application, necessary data is shared with insurance companies for underwriting.

Service Providers / Vendors: Third parties (e.g. hosting, analytics, CRM, email, call center) may process data on our behalf; they are bound to confidentiality and restricted to using data only for authorized purposes.

Legal / Regulatory Authorities: Where required by law (e.g. court order, subpoena), or to ensure compliance with regulatory obligations.

Business Transfers: If CCLI is merged, sold, or reorganized, user information may be transferred as part of the transaction (subject to applicable protections).

We will not sell, rent, or lease your personal information to third parties for marketing purposes without explicit consent.

5. Cookies and Tracking Technologies

We and our third-party partners use cookies, web beacons, pixel tags, and similar technologies to collect information and enhance your experience.

Types of cookies we use include:

Strictly necessary cookies — essential for core functionality (login, forms)

Performance / analytics cookies — help us understand usage and improve the Site

Functional cookies — store preferences (language, theme)

Advertising / remarketing cookies — used to deliver relevant ads (you may opt out)

You can manage or disable cookies through your browser settings, though some Site features may not function properly without them.

6. Data Retention

We keep your personal data only as long as necessary to fulfill the purposes in this Privacy Policy or to comply with legal obligations.
When no longer needed, we will securely delete, anonymize, or destroy data consistent with industry standards.

7. Data Security

We implement technical, organizational, and administrative safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction, including:

Secure (HTTPS / SSL) transmission

Access controls, encryption at rest

Regular security audits and vulnerability assessments

Strict internal policies on data access

However, no system is completely secure. We cannot guarantee 100% security of your data.

8. Your Rights & Choices (in Canada)

Under applicable Canadian privacy laws, you may have the following rights:

Access: Request a copy of your personal information

Correction: Ask to correct or update inaccurate or incomplete data

Deletion / Objection: Request deletion or restrict processing under certain circumstances

Withdrawal of consent: For processing not required by law

Data portability: Where applicable, request transfer of data to another entity

Opt-out of marketing: You can unsubscribe or opt out of promotional emails / texts

To exercise any of these rights, contact us at privacy@[yourdomain].ca. We will respond within a reasonable timeframe (e.g. 30 days), subject to legal constraints.

9. Children’s Privacy

Our Services are intended for users aged 18 or older. We do not knowingly collect personal information from individuals under 18 without parental consent. If you believe a minor has provided personal data, contact us to request deletion.

10. International Transfers / Cross-Border Processing

We may transfer or store your information in servers or systems located in Canada or other jurisdictions. By using our Services, you consent to such transfers. We will take reasonable steps to ensure that transferred data is protected to standards comparable to Canadian law.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the new version on this page with an updated “Last Updated” date and (when appropriate) provide you notice (e.g. via email). Continued use of our Services after changes indicates your acceptance of the updated policy.

12. Contact Us

If you have questions, complaints, or requests related to this Privacy Policy, reach us at: [email protected]

CCLI (Compare Canadian Life Insurance)