Last Revised: January 17, 2024
In this Privacy Policy, "CompareHealth", "we", "us", "our" and "ours" means CompareHealth Inc., and "you" means (and “your” refers to) anyone who provides personal information to us, and their successors, heirs, administrators, executors and assigns (as the case may be).
We have adopted this CompareHealth Privacy Policy (this "Privacy Policy") to explain how we will meet our responsibilities with respect to the information you provide to us. This Privacy Policy applies to both individuals and organizations from whom we collect personal information.
The principles that form the basis of this Privacy Policy are interrelated and CompareHealth adheres to all of the principles as a whole. Each principle should be read in conjunction with the accompanying commentary. As encouraged by the Personal Information Protection and Electronic Documents Act ("PIPEDA"), the commentary in this Privacy Policy has been drafted to reflect privacy issues specific to CompareHealth. We will continue to review this Privacy Policy to make sure that it remains current with exceptions, changing technologies, industry standards and applicable laws.
This Privacy Policy applies to personal information, in any form, collected, used or disclosed by CompareHealth in the course of commercial activities. It will not typically apply to information directly regarding CompareHealth's corporate clients. However, such information may be protected by other CompareHealth policies and through contractual arrangements.
This Privacy Policy does not impose any limits on the collection, use or disclosure of the following information by CompareHealth:
The application of this Privacy Policy is subject to the requirements and provisions of PIPEDA, and any other applicable legislation or regulation. If you reside in British Columbia, Alberta or Québec, then the substantially similar provincial privacy law of your province will apply to our handling of your personal information, rather than PIPEDA. In that case, reference in this Privacy Policy to PIPEDA will be deemed to include your province's substantially similar privacy law.
Advisor: An insurance broker who is independent or affiliated with a Brokerage or insurer and is a user of our Services.
Advisor Account: Provides an Advisor access to our Services and other administrative functions, including managing provinces and insurers, inputting unique commission links for insurers to be credited for sales, viewing subscription payments, upgrading or downgrading subscription Tiers (as that term is defined below) and accessing other Tier-specific features if applicable.
Billing Period: A monthly fee in advance for access to the Services, commencing on the day you sign up for an Advisor Account and on the same date for each subsequent month thereafter during the term of this Agreement.
Brokerage: Insurance organization with more than one affiliated Advisor or a managing general agent (MGA).
Client Quoter: A Tier-specific feature for Advisors allowing Clients to create their own Generated Quotes based on the provinces and insurers specified by the Advisor.
Client: A customer or prospective customer of an Advisor, identified by province, date of birth and sex.
collection: The act of gathering, acquiring, recording, or obtaining personal information from any source, including third parties, by any means.
consent: Voluntary agreement for the collection, use and disclosure of personal information for defined purposes. The form of consent we seek may vary, depending upon the circumstances and the type of personal information. In determining the form of consent, we take into account the sensitivity of the personal information and your reasonable expectations. Consent may be provided directly by you, or by your authorized representative, in accordance with applicable law.
disclosure: Making personal information available to a third party.
employee: An employee of, or an independent contractor to, CompareHealth. The inclusion of independent contractors within the definition of "employee" is for convenience of reference only, and should in no manner imply that such independent contractors are our employees within the meaning of employment legislation or are in an employee-employer relationship with us.
Generated Quote: Results of personal health and replacement health insurance plan information and quotes offered by insurers based on the Client’s or Lead’s province, sex, date of birth (required) and other criteria (optional).
Lead: A visitor to our Website with a personal need and desire to buy personal health or replacement health insurance plans for personal use, does not solicit insurance products, nor has directly initiated contact previously with an Advisor who is a user of our Services. Please note that a Lead is a user of our Services.
personal information: Information about an identifiable individual, but does not include information that is used for the purpose of communicating or facilitating communication with an individual in relation to their employment, business or profession, such as the individual’s name, position name or title, work address, work telephone number, work fax number or work electronic address. Where an individual provides their home address to CompareHealth as their business contact information, CompareHealth considers it to be business contact information, and is therefore not subject to protection as personal information. Information about corporations is not considered personal information.
Questionnaire: A form on our Website that captures basic details like a province, date(s) of birth, and some preferences.
Quote ID: A unique alphanumeric ID for each Generated Quote.
Services: Any and all services and products that are made available on or through the Website or apps we offer from time to time, unless otherwise provided herein.
third party: An individual or organization outside of CompareHealth.
Tier: The maximum number of Generated Quotes available to an Advisor in a Billing Period for a subscription level through our Website, and may include other features.
use: The treatment, handling, and management of personal information by and within CompareHealth or by a third party with the knowledge and approval of CompareHealth.
user: Anyone who uses our Services, such as Advisors, Clients and Leads.
CompareHealth is an online platform that makes quoting, comparing, and reviewing personal health and replacement health insurance plans easy for Leads, Clients, and Advisors in Canada by creating Generated Quotes for these health insurance products and services offered by insurers, on-demand, or connecting Leads with Advisors (as these terms are defined below) upon request.
A Client accesses our Services through a Client Quoter (as that term is defined below) provided by an Advisor or from an Advisor creating a Generated Quote on behalf of the Client. A Lead accesses our Services through our Website without an Advisor or, if we share the Lead’s information with an Advisor, through an Advisor that creates a Generated Quote on behalf of the Lead if requested by the Lead.
If you are not an Advisor, Client or Lead (as those terms are defined below) and wish to use our Services, you must contact us at hello@comparehealth.ca prior to using our Services.
If you solicit insurance products and services, please start at Part 1(b) - Advisors.
Part 1(a) - Leads
Part 1(a) applies only to Leads (as that term is defined below in this Part). As used in this Part 1(a), "you” means (and "your" refers to) a Lead, as the case may be.
“Lead” means a visitor to our Website with a personal need and desire to buy personal health or replacement health insurance plans for personal use, does not solicit insurance products, nor has directly initiated contact previously with an Advisor (as that term is defined below) who is a user of our Services.
Leads will have the ability to input and submit a form on our Website that captures basic details like a province, date(s) of birth, and some preferences (“Questionnaire”) to review hidden and limited results of personal health and replacement health insurance plan information and quotes offered by insurers based on the basic details provided (“Generated Quote”) at no charge. Information in the Generated Quote provided to a Lead at no charge will be hidden and limited at our sole discretion, such as, but not limited to, limiting the number of plan results, redacting plan names, details, and cost breakdowns.
After submitting details in the Questionnaire and accepting the disclaimer before viewing the Generated Quote, Leads can review the hidden and limited information in the Generated Quote, voluntarily provide personal contact information to be shared with an Advisor, who may provide a new Generated Quote on the Lead’s behalf at no charge to the Lead, or pay us a one-time fee plus applicable taxes to instantly access all hidden and limited information in the Generated Quote and additional comparison tools.
Each Generated Quote submitted by a Lead is based on the Lead’s details, including province, sex and date of birth(s). If the Lead pays us a one-time fee plus applicable taxes to access all hidden and limited information in the Generated Quote and additional comparison tools, Leads may modify other comparison criteria, such as specific benefits, without further charge for up to sixty (60) days. Leads access the Generated Quote by using a unique link emailed to the Lead after paying us a one-time fee plus applicable taxes. Leads may be unable to modify specific details like any date(s) previously entered. After sixty (60) days, the Generated Quote is no longer accessible.
If a Lead does not provide us with personal contact information and closes the browser session, the Lead’s details will not be available for future reference. Leads do not register for a CompareHealth account and provide personal contact information to have an Advisor contact the Lead.
Paying to access all hidden and limited information and comparison tools in a Generated Quote or requesting an Advisor contact the Lead requires submitting personal contact information, including a name, telephone number and email address. When you share this information, you agree to provide accurate, current, and complete information about you and update it as necessary. By providing your information, you are consenting to be contacted by an Advisor who will have access to your personal contact information, including the information you provided in the Questionnaire. The Advisor may request additional information.
We reserve the right to refuse access of our Services to Leads, that we deem inappropriate, in our sole discretion. If you do not provide accurate, current and complete information, you may be refused access to our Services. If you use the Services, you are solely responsible for maintaining the confidentiality of your information, and you agree to accept responsibility for all activity that occurs. When you provide information to us, you represent and warrant that you have legal authority to do so. In particular, you represent and warrant that: you are entitled to submit the information to us; the information is accurate; and the information is not confidential, in violation of any contractual restrictions or third-party rights.
Part 1(b) – Advisors
Part 1(b) applies only to Advisors (as those terms are defined below in this Part). As used in this Part 1(b), "you” means (and "your" refers to) an Advisor, as the case may be.
Advisors enroll for a monthly subscription, which provides direct access to our Services through a login account (“Advisor Account”). The Advisor Account provides an Advisor access to our Services and other administrative functions, including managing provinces and insurers, inputting unique commission links for insurers to be credited for sales, viewing subscription payments, upgrading or downgrading subscription Tiers (as that term is defined below) and accessing other Tier-specific features if applicable.
Advisors can create a maximum number of Generated Quotes (as that term is defined below in this Part) each Billing Period (as that term is defined below) outlined in the chosen Tier (as that term is defined below). Advisors must accept the disclaimer before viewing a Generated Quote.
Each “Generated Quote” provides results of personal health and replacement health insurance plan information and quotes offered by insurers based on the Client’s or Lead’s (if provided to you by us) province, sex, date of birth (required) and other criteria (optional). A “Client” is a customer or prospective customer of an Advisor, identified by province, date of birth and sex. CompareHealth will assign a unique alphanumeric ID (“Quote ID”) for each Generated Quote. Advisors may modify other comparison criteria in the Generated Quotes, such as the Client’s or Lead’s family details and specific benefits requested by the Client or Lead, without further charge for up to sixty (60) days.
The maximum number of Generated Quotes available to an Advisor in a Billing Period for a subscription level through our Website and may include other features (“Tier”). Advisors may upgrade or downgrade their Tier to accommodate usage at any time in their Advisor Account. Any unused Generated Quotes available in a Tier do not carry forward to the subsequent Billing Period and cannot be shared between accounts. A Tier may also provide additional benefits not available in other Tiers or may not be publicly displayed on the Website.
Some features in an Advisor Account may be Tier-specific, such as, but not limited to, allowing Clients to create their own Generated Quotes with limited results based on the provinces and insurers specified by the Advisor (“Client Quoter”) and lead-generation resources, if available. A Client that submits information through the Client Quoter uses one (1) Generated Quote available in the Advisor’s account. If a Generated Quote is unavailable, no Quote ID is assigned, Clients or Advisors cannot review results, and the Advisor will not receive an email notification. If a Generated Quote is available, a Quote ID is assigned, Clients can review limited results of personal health and replacement health insurance plan information and quotes offered by insurers based on the basic details provided, and the Advisor will receive an email notification with information like the Client’s contact information and Quote ID for the Advisor to access in the Advisor Account for up to 60 days. Advisors must contact Clients that use the Client Quoter. Clients cannot access a Generated Quote at a later time and must contact the Advisor.
Account Registration
To register, insurance brokers who are independent or affiliated with a Brokerage (as that term is defined below) or insurer (“Advisors”) must sign up and create an account using the Services to access the Advisor Account and use its features.
A “Brokerage” is an insurance organization with more than one affiliated Advisor or a managing general agent (MGA).
ONLY ONE ADVISOR PER ADVISOR ACCOUNT IS ALLOWED. THE ONLY EXCEPTION IS AN ADVISOR THAT GIVES ACCESS TO A MAXIMUM OF ONE (1) STAFF MEMBER THAT PROVIDES ADMINISTRATIVE SUPPORT TO THE ADVISOR ONLY. A BROKERAGE MUST REQUIRE A SUBSCRIPTION FOR EACH ADVISOR THAT ACCESSES OUR SERVICES.
Creating an Advisor Account requires submitting certain information, including a name, email address and password. When you register an Advisor Account, you agree to provide accurate, current, and complete information about your organization and update it as necessary.
We reserve the right to refuse access of our Services, registration of accounts, or to cancel any existing accounts, that we deem inappropriate, in our sole discretion. If the Tier includes access to the Client Quoter, the Advisor of that account must hold the applicable licence(s) in the selected provinces to use this feature. If you use the Services, you are solely responsible for maintaining the confidentiality of your account and password, and you agree to accept responsibility for all activity that occurs under your account, including the activity of Clients that use the Client Quoter. We are not responsible for updating your account. When you provide information to us, you represent and warrant that you have legal authority to do so. In particular, you represent and warrant that: you are entitled to submit the information to us; the information is accurate; and the information is not confidential, in violation of any contractual restrictions or third-party rights.
We may provide you access to Leads that use our Services and request an Advisor. Advisors may require a specific subscription Tier to have access to Leads. If we provide you with the personal contact information of a Lead by email who used our Services, you must either contact them within forty-eight (48) hours using the provided contact information or let us know that you refuse the Lead by replying to the email we send you within that timeframe. We can delegate any Leads to Advisors and revoke access at any time at our sole discretion. We may initially request details from you, including but not limited to the provinces in which you hold a valid insurance licence to sell personal health and replacement health insurance plans, to ensure the Leads we delegate to you apply to your business. You must inform us immediately in writing if any Leads you receive are in a province where you do not hold a valid insurance licence. We do not verify or monitor your license status in any province you tell us and are not responsible for updating this information, including changes to new or existing licences you hold, unless you ask us in writing.
Part 1(c) - Advisors and Leads
For Part 1(c), "You" means (and "your" refers to) an Advisor or Lead, where applicable and as the case may be.
A Generated Quote is based on the minimal information provided by you in the Questionnaire and may not include all available options offered by insurers. We provide you with quotes and comparisons for insurance products and services, but you are ultimately responsible for your decision to pursue a particular opportunity. We take no part in any communication you have with these parties, such as Clients, Advisors, Brokerages, Leads, insurance representatives, and insurers, and we are not responsible for, or a party to, any agreements you may enter into with these parties, including, but not limited to, the offering of insurance products and services. CompareHealth does not endorse any Clients, Advisors, Brokerages, Leads, insurance representatives, or insurers that may contact you through our platform (where applicable and as the case may be). While we facilitate connections, we are not responsible for the actions, advice, or agreements you may enter into with these entities. Your interactions with these entities are solely your responsibility. Advisors that contact a Client or Lead must comply with all laws, regulations, and best sales practices.
CompareHealth is responsible for all personal information under its control and has designated the CompareHealth Privacy Officer to oversee privacy compliance. Other individuals within CompareHealth may be delegated to act on behalf of our Privacy Officer or to take responsibility for the day-to-day management of personal information. CompareHealth trains and communicates with employees about our privacy practices, including this Privacy Policy.
As appropriate, CompareHealth implements privacy policies and procedures to properly enforce this Privacy Policy, and we use contractual or other means to provide a comparable level of privacy protection while personal information is being processed or used by a third party.
CompareHealth collects personal information from you for the following purposes:
Further reference to “identified purposes” mean the purposes identified in this section of this Privacy Policy.
We will indicate the identified purposes to you, orally, electronically or in writing, at or before the time your personal information is collected. Persons collecting personal information may explain the identified purposes or refer individuals to a designated person within CompareHealth who can explain these identified purposes.
If you request information, products or services from CompareHealth, we will collect your name and contact information, such as your email address, mailing address and telephone number. In addition, if you have created an account with us, we may collect other information that is associated with your account, such as account activity (including information you input into CompareHealth for the purposes of creating and exporting Generated Quotes) and your credit card or other payment information, in order to pay for products and services we make available to you, from time to time. We collect this billing information only for the purposes we indicate to you at the time of collection.
If you engage with our social media accounts, we will collect whatever information you provide to us through the applicable platform.
We may also provide you an opportunity to specify certain preferences in respect of our products or services. If you choose to provide such information, we will collect and implement your preferences.
CompareHealth will only collect personal information that is necessary for the purposes identified in this Privacy Policy or as otherwise agreed to by you.
In most cases, we collect your personal information directly from you. Sometimes, however, we may use third parties to provide us with your personal information.
We collect no personal information about you unless you choose to provide that information to us. We do not use techniques that collect personal information about anyone without their knowledge. We only collect personal information about individuals when they specifically and knowingly provide it to us, for example, when they fill out a registration form on our website, contact us by telephone or email, input information to create a Generated Quote or share information with an Advisor at their request. As a limited exception to this principle, we may collect personal information without your consent:
You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. You may contact us for more information regarding the implications of withdrawing consent.
The information you provide to CompareHealth – such as your name and address – allows us to inform you about issues, events or special offers which may be of interest to you.
By signing up for an account, you are giving CompareHealth permission to contact you by way of the information you provide. Should you wish not to be contacted by CompareHealth, please opt-out by contacting hello@comparehealth.ca.
CompareHealth will not disclose personal information for purposes other than those purposes for which it was collected, except with your consent or as required or permitted by law. CompareHealth may disclose your personal information:
In such circumstances, we will not disclose more information than is required for the purpose for which the information is being disclosed. We will also, whenever it is reasonable and practicable to do so, enter into privacy agreements with third parties with whom we share personal information.
We will retain personal information only as long as it remains necessary or relevant for the identified purposes or as required or permitted by law. Where personal information has been used by us to make a decision about you, CompareHealth will retain, for a period of time that is reasonably sufficient to allow for access by you, either the actual information or the rationale for making such decision.
Only our employees who require access for legitimate reasons or whose duties reasonably so require, are granted access to personal information.
We maintain reasonable controls, schedules and practices for personal information management retention and destruction. Personal information that is no longer necessary or relevant for the identified purposes, or is required by law to be retained, is destroyed, erased or made anonymous, as appropriate in the circumstances.
CompareHealth may share aggregate information – not personal information – about its users and Generated Quotes with other parties and related service providers, to help them better understand CompareHealth users and their interests. Such aggregate information is used to give CompareHealth demographic data about its users in order to improve our organization and the products and services we provide.
Our website may use various technologies, from time to time, to:
This information enables us to:
Your choices about how our website collects your information
We strive to provide you with choices regarding the personal information you provide to us.
You can opt out of several third party ad servers’ and networks’ cookies simultaneously by using opt out tools created by Google Advertising, the Digital Advertising Alliance of Canada or by the Network Advertising Initiative. You may also opt out of our use of Google Analytics by visiting the Google Analytics opt out page. We may have reporting of your aggregate interactions with our ads across the Google Display Network or DoubleClick for Advertisers in conjunction with activity on our website.
You can also access these websites to learn more about online behavioural advertising and how to stop websites from placing cookies on your device. Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.
In addition, we have created mechanisms to provide you with the following control over your information:
We make reasonable efforts to ensure that personal information we collect, use or disclose is as accurate, complete and up-to-date as necessary for the purposes for which it is to be used. Please be advised, however, that CompareHealth is driven by third party information sources, the accuracy of which we cannot control.
If you find any errors in our personal information holdings (including information provided by a third party information source), we should be informed so that we can make the appropriate corrections. We will convey these corrections to any third party that may have been provided inaccurate information. For personal information that remains in dispute, we will make note in our records of your opinion as to the accuracy of the relevant personal information.
The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to prevent any unauthorized access, disclosure, copying, use, or modification of personal information. Safeguards include securing physical documents and technological measures by way of secure access and encryption. We store all information you provide to us behind firewalls on our secure servers.
CompareHealth employees are authorized to access personal information based only on their need to deal with the information for the reason(s) for which it was obtained. Safeguards are in place to ensure that the information is not disclosed or shared more widely than is necessary to achieve the purpose for which it was gathered. We also take measures to ensure the integrity of this information is maintained and to prevent it from being lost or destroyed.
We protect personal information disclosed to third parties by contractual agreements stipulating the confidentiality of the personal information and the purposes for which it is to be used.
We may engage service providers to assist us with fulfilling the purposes for which personal information has been collected, used and disclosed, and, in some instances, these service providers may be located outside Canada. We only select service providers that protect personal information in a manner that is comparable to the protection we provide under our own privacy policies. However, personal information may be subject to, and accessed under, the laws of the countries in which our service providers operate. If you have any questions about our transfer of personal information to our service providers outside Canada, or if you would like to learn more about our privacy policies in that regard, please contact the CompareHealth Privacy Officer at the contact information provided below.
We are open about the policies, procedures and practices we use to protect your personal information. Information about these policies, procedures and practices will be made available to you either electronically or in writing.
You may access any personal information that we have concerning you, and which has been collected, used or disclosed for a commercial purpose, by sending a written request to the CompareHealth Privacy Officer. CompareHealth may advise you in advance if there is a minimal charge to conduct a search of our records and will respond within 30 days, or advise that the request for access is subject to an extension as authorized by PIPEDA.
To protect your privacy, you may be required to provide sufficient identification, in order to permit us to account for the existence, use and disclosure of certain personal information and to authorize access to such information. Any such information will only be used for this purpose.
We may not be able to provide personal information to you if doing so would violate the privacy of a third party or if certain personal information is subject to legal privilege, contains information proprietary to us or a third party, is too costly to retrieve, or cannot be disclosed for other legal reasons. If we are unable to provide access to all or part of your personal information, we will explain our reasons for such a decision.
Where you have been provided with access to your personal information, you will be able to challenge the accuracy and completeness of your personal information and have it amended as appropriate.
Personal information that is disclosed to third parties by us will be subject to the general laws applicable in the jurisdiction in which the third party conducts business. As a result, and in certain limited situations, we may not be legally permitted to account for certain collections, uses or disclosures of personal information. In most circumstances, however, we will provide an account of the collection, use and disclosure of personal information and, where reasonably possible, we will state the source of the personal information. In providing an account of disclosure, we will provide a list of organizations to which we may have disclosed your personal information when it is not possible to provide an actual list.
All questions or concerns regarding our privacy practices should be directed to the CompareHealth Privacy Officer.
We will investigate all complaints concerning compliance with this Privacy Policy and if a complaint is found to be justified, we will take appropriate measures to resolve the complaint including, if necessary, amending our privacy policies and procedures. We will inform you of the outcome of the investigation regarding your complaint.
You and CompareHealth have requested and agree that this Privacy Policy and all documents related to this Privacy Policy be drawn up in English. Les parties ont demandé que cette convention ainsi que tous les documents que s'y rattachent soient rédigés en anglais.
If you have any questions or concerns about this Privacy Policy or about CompareHealth's information handling practices, please contact us at:
Attn: Privacy Officer
Please also visit the Office of the Privacy Commissioner of Canada’s website at https://www.priv.gc.ca/en/.