Use of this Web site is governed by the following terms and conditions which are subject to change without notice to you. Please read them carefully before using this site.
Golden Age Insurance Inc. (the “Corporation”) grants you a limited license to display the contents of this site on your
computer and print, download and use the materials on this site solely for personal or educational purposes and for purposes
of doing business with the Corporation, provided that the contents of the site are not modified in any way and that all copyright
and other notices are maintained. You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair
or interfere with, alter or modify this site or any of its content. You agree not to, or allow others to, directly or indirectly,
collect or attempt to collect any information about others, including passwords, account or other information. In order to use this site,
you must have attained the minimum prescribed age in the jurisdiction in which you are resident to contract for the
products and services.
This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal,
accounting, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal
advice from a financial security advisor of the Corporation or any other appropriate professional advisor.
Nothing on this site constitutes an offer to buy or sell products or services of the Corporation, its affiliated companies or
suppliers. All products and services are subject to the terms and conditions of any applicable contracts. The Corporation products
and services and those of third parties which may be referred to on this site are available only in jurisdictions where they may
be lawfully offered for sale in Canada. The Corporations may only solicit the sale of financial products and services for which
the Corporation has been duly licensed in the jurisdiction in which the sale occurs. The use and content of this site, and the
terms and conditions contained herein, shall be governed by the laws of the province in which the Corporation conducts business
and you agree to return to the jurisdiction of the courts of that province.
You acknowledge that the Corporation collects and uses personal information for purposes of providing the services contained on this site. The Corporation is committed to respecting the privacy and confidentiality of information in accordance with applicable law. The Corporation has established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties. Without limiting any other disclaimer herein, the Corporation shall not be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. If you are provided with a username and password to access any part of this site, you agree to be liable for all uses of your username and password, including unauthorized use without your consent and you acknowledge that the Corporation shall not be responsible to confirm the actual identity or authority of any user. Instructions provided pursuant to such username and password shall constitute sufficient authority to the Corporation to execute any transactions directed thereunder. You agree to notify the Corporation immediately should the confidentiality of your username and password be in jeopardy.
E-mail securityThe security of e-mail communication cannot be guaranteed at this time. Any person wishing to communicate or send information of a private or confidential nature to the Corporation is encouraged to do so by other means.
This site has been developed by the Corporation. The contents of this site are the property of the Corporation and third parties whose information or materials are contained on the site. All information and materials contained on this site are protected by copyright, trademark and other intellectual property laws of Canada and other countries. Subject to the limited license to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of the Corporation. Any infringement of the rights of the Corporation may result in appropriate legal action.
The Corporation owns or has obtained the right to use by license or otherwise the trademarks used on or in connection with the goods and services provided. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied license to use such trademarks.
The content of this site is provided solely for personal and educational purposes and for purposes of doing business with the
Corporation and is subject to modification without notice to you. While information posted on this site is believed to be reliable
and accurate at the time of posting, the Corporation does not guarantee, represent or warrant that the information contained on
this site is accurate, complete, reliable, verified or error free.
The Corporation makes no express or implied representations or warranties regarding the usability or condition of this site, that
this site will operate uninterrupted or error free, or that this site will operate in combination with any services or software
used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted
to or from this site is private, confidential or secure.
THE CORPORATION EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES AND CONDITIONS OF MERCHANTABLE QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COMPATIBILITY, TIMELINESS, SECURITY OR ACCURACY, AND ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS THAT MAY ARISE FROM A COURSE OF DEALING OR USAGE OF TRADE.
Golden Age Insurance Inc. “GAI” values your business and we thank you for your confidence in choosing our firm as your source of advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us. This document outlines our practice with respect to the collection, use and disclosure of your personal information.
We do not sell or share client information with organizations outside of our relationship with you that would use it to contact you about their own products or services.
GAI and its agents and representatives collect personal information in a number of circumstances in the course of conducting our business. Personal information we may collect includes:
GAI generally uses personal information to manage and administer our business, including to understand your insurance needs, communicate with you effectively and to provide you with the products and services you request. For example, we may use your personal information to:
As necessary to carry out the purposes for which GAI collects and uses your personal information, GAI may disclose your personal information to third parties, such as other insurance brokers, insurers, claims adjusters, government, regulatory and self-regulatory agencies, lawyers, financial institutions, benefits providers and medical professionals, and others involved in the claims handling process in accordance with legal and insurance regulatory reporting requirements or standard accepted insurance brokerage and insurance practices. GAI may also disclose your personal information with your consent or as permitted or required by law.
GAI collects, uses and discloses your personal information with your consent, except as permitted or required by law. You understand that when requesting a quote for travel insurance or other insurance product, you imply consent by answering the required questions whether by phone, in person, via email, on an application or online. We may be required or permitted under statute or regulation to collect, use or disclose personal information without your consent, for example to comply with a court order, to comply with local, provincial or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an “opt out” option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney). Generally, by providing us with personal information either directly or through our agents or others requesting an insurance quote on your behalf, you consent to our collection, use and disclosure of such information for the purposes identified or described in this Privacy Statement, if applicable, or otherwise at the time of collection.
If you obtain insurance for a family member or other third party or otherwise provide personal information concerning a third party, including a family member, for example by naming him/her as a beneficiary, you represent that you have obtained any necessary consent to our collection, use and disclosure of his/her personal information for the purposes described above.
You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. There may be consequences to failing to provide or withdrawing your consent, such as your inability to acquire or renew an insurance policy and/or cancellation of a policy. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this Privacy Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records and disclosures to Canadian and foreign government entities as required to comply with laws).
We take reasonable physical, organizational and technological security measures to safeguard the personal information in our custody or control. These include safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. Authorized employees, agents and mandataries of GAI who require access to your personal information in order to fulfill their job requirements will have access to your personal information.
Hub may establish and maintain a file of your personal information for the purposes described above. Subject to applicable legal restrictions, you may request to have access to the file containing your personal information and the correction of your personal information by writing to the address below. We may take reasonable steps to verify your identity before granting access or making corrections. In addition, if you wish to make inquiries or complaints, obtain information on how to access and rectify the files held by personal information agents we consulted or have other concerns about our personal information practices you may write to the address below. Please include your name, address, telephone number and email address whenever you contact us, including by email. This helps us handle your request correctly.
This Privacy Statement may be revised from time to time. If we intend to use or disclose personal information for purposes materially different than those described in this statement, we will make reasonable efforts to notify affected individuals, if necessary, including by revising this Privacy Statement. If you are concerned about how your personal information is used, you should contact us as described above to obtain a current copy of this statement. We urge you to request and review this Privacy Statement frequently to obtain the current version. Your continued provision of Personal Information or use of our products or services following any changes to this Privacy Statement constitutes your acceptance of any such changes. This Privacy Statement is effective as of September 1, 2021.
THIA, Travel Health Insurance Association of Canada, has developed a Bill of Rights that we abide by. The Travel Insurance Bill of Rights and Responsibilities builds upon the following key elements of travel health insurance: