Terms of Use

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Certain words, phrases, logos, & designs on this website may constitute trademarks of Harbord – The Home Insurance People™. Any unauthorized duplication, copying, or modification of this site’s contents may violate trademark, copyright, and federal laws.

Insurance company words, phrases, logos, & designs are the property of the respective insurers.
Harbord – The Home Insurance Peoples™ content intends to provide general insurance-related information further to educate consumers about insurance in British Columbia and Alberta. The facts and data provided are obtained from government sources believed to be accurate and reliable, but we cannot guarantee that they are accurate or complete. The information on this site is not intended to provide specific insurance advice for any individual circumstance and should not be relied upon for such advice. Persons seeking insurance advice should contact us directly so that all the unique and individual circumstances can be considered.

Discounts mentioned within our discounts section are not guaranteed. The benefits and services provided through this system are subject to the terms, conditions, and limitations of the applicable agreement(s) governing them.

Delivery Policy

Coverage is in effect as of the effective date noted on the policy declaration page. Policies will be delivered by mail or electronically. Any applicable fees or taxes are included in the premium cost.

Refund Policy

In the event of a payment error, please contact our office by phone or in writing to request a refund. It remains the discretion of The Home Insurance People whether a refund is processed on the purchaser’s credit card or a cheque is issued to refund payment. A refund request may be denied if monies are owed on the purchaser’s account.

Payments

All premiums are payable in Canadian dollars.

Private Policy

We are committed to providing our clients with excellent service. Doing business with a Property insurance broker involves providing information about yourself, so protecting your personal information is one of our highest priorities.

Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use, and disclose your personal information. You can be assured that we’ll only handle your personal information as a reasonable person would consider appropriate in the circumstances.

This document is a brief summary of our privacy practices.

Why do we collect personal information?

When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal data are to:

  • Enable us to acquire or renew an insurance policy for you;
  • Assist you and assess your ongoing needs for insurance;
  • Assess your need for other products, such as financial products, and offer them to you;
  • Ensure your information is accurate and up-to-date; and
  • Protect us both against error or fraud.

What personal information do we collect?

Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

  • Basic information such as your name, address, telephone, and fax numbers, e-mail address, birth date, and marital status;
  • Claims history;
  • Credit and past payment records;
  • Driver’s record;
  • Details about your property, such as the value of your home and its contents;
  • Medical information, such as any condition that may affect the operation of a vehicle;
  • Employment information;

We may obtain this information from:

  • You;
  • Insurance companies;
  • Other insurance brokers or agents;
  • Credit organizations;
  • Motor vehicle and driver licensing authorities;
  • Financial institutions;
  • Medical professionals.

Who do we disclose your personal information to?

For many of the purposes identified above, we will need to share your personal information with others to serve your needs. These other parties commonly include:

  • Insurance companies;
  • Other insurance brokers or agents;
  • Credit organizations;
  • Professionals working with us, such as adjusters or lawyers;
  • Financial institutions. For example, the organization that carries your mortgage.

How do we protect your personal information?

To protect your personal information and right to privacy, we will:

  • Not collect, use, or disclose your personal information for any purpose other than those that we identify to you;
  • Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law;
  • Maintain your personal information in as accurate, complete, and up-to-date a form as possible;
  • Safeguard your personal information to the best of our ability;
  • Respond to any request you may make to access or correct the personal information we hold about you;
  • Obtain the appropriate consent from you for the collection, use, or disclosure of your personal information.

Consent

We may obtain your express consent, or we may determine that consent has been implied by the circumstances.

  • We might ask you for your express consent in writing, for example, in a signed consent or application form.
  • We may ask for your express consent in person or over the telephone.
  • We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner.

There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for collecting, using, or disclosing your personal information. For example, this could apply when there is an emergency or if it is necessary for your protection or ours.

You can control how we handle your personal information

We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use or share your personal information, or you could also withdraw a previously given consent at any time.
However, by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire. For example, if you do not allow us to obtain information about your claims history, it is unlikely that we will be able to provide you with property insurance. We’ll be happy to discuss particular situations with you to help you with your decision.

Contact Information and Resources

We are committed to treating you with respect and courtesy and providing the highest service level. Don’t hesitate to get in touch with us at 1.844.544.4663 if you:

  • Wish to access your personal information.
  • Wish to change your consent to how we may collect, use or disclose your personal information.
  • Have a complaint about our privacy policies or how we’ve handled your personal information.
  • Have any other questions about our privacy policies, or request additional information.

We will respond to you promptly and do our utmost to resolve your concerns. To learn more about federal privacy laws, please contact the Office of the Privacy Commissioner at 1-800-282-1376 or visit their website at www.priv.gc.ca/en/.