Privacy Policy

1. INTRODUCTION

Tripemco Financial Services Ltd. (website url address: http://tripemcofinancial.com and https://yourbenefits.ca/ ) appreciates your business and trust. We are a Canadian based Insurance brokerage company having 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 in a manner that a reasonable person would consider appropriate in the circumstances.

Please read this Privacy Policy, providing consent to both documents in order to have permission to use our services.

2. DATA COLLECTED
DATA STORAGE LOCATION

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

As well, we adheres to the EU/US “Privacy Shield”, ensuring that your data is securely stored and GDPR compliant. For more information on Hetzner Online GmbH privacy policy, please see here: Hetzner Data Privacy Policy.

REGISTRATION DATA

If you register on our website, we store your chosen username and your email address and any additional personal information added to your user profile. You can see, edit, or delete your personal information at any time (except changing your username). Website administrators can also see and edit this information.

PURCHASE DATA

To receive product support,

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

This is required for us to provide you with downloads, product support and other customer services.

SUPPORT DATA

If you have registered on our website and have a valid support account, you can submit support tickets for assistance. Support form submissions are only sent to our office. Only the data you explicitly provided is used, and you are asked for consent, each time you want to create a new support ticket.

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 information are to:

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

When you leave comments on the website we collect the data shown in the comments form, and also the IP address and browser user agent string to help spam detection.

CONTACT FORM

Information submitted through the contact form on our site is sent to our company email,

These submissions are only kept for customer service purposes they are never used for marketing purposes or shared with third parties.

GOOGLE ANALYTICS

We use Google Analytics on our site for anonymous reporting of site usage. So, no personalized data is stored. If you would like to opt-out of Google Analytics monitoring your behavior on our website please use this link: Google Analytics Opt-out.

CASES FOR USING THE PERSONAL DATA

We use your personal information in the following cases:

  • Verification/identification of the user during website usage;
  • Providing Technical Assistance;
  • Sending updates to our users with important information to inform about news/changes;
  • Checking the accounts’ activity in order to prevent fraudulent transactions and ensure the security over our customers’ personal information;
  • Customize the website to make your experience more personal and engaging;
  • Guarantee overall performance and administrative functions run smoothly.
  • For many of the purposes identified above, we will need to share your personal information with others in order 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.
3. EMBEDDED CONTENT

Pages on this site may include embedded content, like YouTube videos, for example. Embedded content from other websites behaves in the exact same way as if you visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged-in to that website. Below you can find a list of the services we use:

FACEBOOK

The Facebook page plugin is used to display our Facebook timeline on our site. Facebook has its own cookie and privacy policies over which we have no control. There is no installation of cookies from Facebook and your IP is not sent to a Facebook server until you consent to it. See their privacy policy here: Facebook Privacy Policy .

TWITTER

We use the Twitter API to display our tweets timeline on our site. Twitter has its own cookie and privacy policies over which we have no control. Your IP is not sent to a Twitter server until you consent to it. See their privacy policy here: Twitter Privacy Policy .

YOUTUBE

We use YouTube videos embedded on our site. YouTube has its own cookie and privacy policies over which we have no control. There is no installation of cookies from YouTube and your IP is not sent to a YouTube server until you consent to it. See their privacy policy here: YouTube Privacy Policy.

CONSENT CHOICE

We provide you with the choice to accept this or not, we prompt consent boxes for all embedded content, and no data is transferred before you consented to it.

The checkboxes below show you all embeds you have consented to so far. You can opt-out any time by un-checking them and clicking the update button.

  • YouTube
  • Facebook
  • Twitter
4. COOKIES

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymized tracking data to third party applications like Google Analytics. Cookies generally exist to make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the help section of your browser.

NECESSARY COOKIES (ALL SITE VISITORS)
  • cfduid: Is used for our CDN CloudFlare to identify individual clients behind a shared IP address and apply security settings on a per-client basis. See more information on privacy here: CloudFlare Privacy Policy.
  • PHPSESSID: To identify your unique session on the website.
NECESSARY COOKIES (ADDITIONAL FOR LOGGED IN CUSTOMERS)
  • wp-auth: Used by WordPress to authenticate logged-in visitors, password authentication and user verification.
  • wordpress_logged_in_{hash}: Used by WordPress to authenticate logged-in visitors, password authentication and user verification.
  • wordpress_test_cookie Used by WordPress to ensure cookies are working correctly.
  • wp-settings-[UID]: WordPress sets a few wp-settings-[UID] cookies. The number on the end is your individual user ID from the users database table. This is used to customize your view of admin interface, and possibly also the main site interface.
  • wp-settings-[UID]:WordPress also sets a few wp-settings-{time}-[UID] cookies. The number on the end is your individual user ID from the users database table. This is used to customize your view of admin interface, and possibly also the main site interface.
5. WHO HAS ACCESS TO YOUR DATA

If you are not a registered client for our site, there is no personal information we can retain or view regarding yourself.

If you are a client with a registered account, your personal information can be accessed by:

  • Our system administrators.
  • Our supporters when they (in order to provide support) need to get the information about the client accounts and access.
6. THIRD PARTY ACCESS TO YOUR DATA

We don’t share your data with third-parties in a way as to reveal any of your personal information like email, name, etc. The only exceptions to that rule are for partners we have to share limited data with in order to provide the services you expect from us. Please see below:

YOUR EMPLOYEE BENEFITS PROVIDER(S)

For the purpose of validating and supporting any of your requests, we send your provided certificate and policy  number and use the response from their API to register your validated support data.

7. HOW LONG WE RETAIN YOUR DATA

When you submit a support ticket or a comment, its metadata is retained until (if) you tell us to remove it. We use this data so that we can recognize you and approve your comments automatically instead of holding them for moderation and to provide continuing service to you.

If you register on our website, we also store the personal information you provide in your user profile. You can see, edit, or delete your personal information at any time (except changing your username). Website administrators can also see and edit that information.

8. SECURITY MEASURES

We use the SSL/HTTPS protocol throughout our site. This encrypts our user communications with the servers so that personal identifiable information is not captured/hijacked by third parties without authorization.

In case of a data breach, system administrators will immediately take all needed steps to ensure system integrity, will contact affected users and will attempt to reset passwords if needed.

How we protect your personal information.
In order 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.

As the privacy of communication over the Internet cannot be guaranteed, we do not assume any responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.

9. YOUR DATA RIGHTS
GENERAL RIGHTS

If you have a registered account on this website or have left comments, you can request an exported file of the personal data we retain, including any additional data you have provided to us.

You can also request that we erase any of the personal data we have stored. This does not include any data we are obliged to keep for administrative, legal, or security purposes. In short, we cannot erase data that is vital to you being an active customer (i.e. basic account information like an email address).

If you wish that all of your data is erased, we will no longer be able to offer any support or other product-related services to you.

10. THIRD PARTY WEBSITES

Tripemco Financial Services Ltd. may post links to third party websites on this website. These third party websites are not screened for privacy or security compliance by Tripemco Financial Services, and you release us from any liability for the conduct of these third party websites.

All social media sharing links, either displayed as text links or social media icons do not connect you to any of the associated third parties, unless you explicitly click on them.

Please be aware that this Privacy Policy, and any other policies in place, in addition to any amendments, does not create rights enforceable by third parties or require disclosure of any personal information relating to members of the Service or Site. Tripemco Financial Services Ltd and www.yourbenefits.ca  bears no responsibility for the information collected or used by any advertiser or third party website. Please review the privacy policy and terms of service for each site you visit through third party links.

11. RELEASE OF YOUR DATA FOR LEGAL PURPOSES

At times it may become necessary or desirable to Tripemco Financial Sedrvices Ltd and www.yourbenefits.ca, for legal purposes, to release your information in response to a request from a government agency or a private litigant. You agree that we may disclose your information to a third party where we believe, in good faith, that it is desirable to do so for the purposes of a civil action, criminal investigation, or other legal matter. In the event that we receive a subpoena affecting your privacy, we may elect to notify you to give you an opportunity to file a motion to quash the subpoena, or we may attempt to quash it ourselves, but we are not obligated to do either. We may also proactively report you, and release your information to, third parties where we believe that it is prudent to do so for legal reasons, such as our belief that you have engaged in fraudulent activities. You release us from any damages that may arise from or relate to the release of your information to a request from law enforcement agencies or private litigants.

Any passing on of personal data for legal purposes will only be done in compliance with laws of the country you reside in.

12. AMENDMENTS

We may amend this Privacy Policy from time to time. When we amend this Privacy Policy, we will update this page accordingly and require you to accept the amendments in order to be permitted to continue using our services.

13. Consent

In using this site, you signify your consent to our privacy policy. If you are not in agreement, please do not use the site. We reserve the right, at our discretion, to update, change, modify, add, or remove this policy from time to time, as appropriate. Should we make changes, we will publish these on the site in a timely fashion.

Please do not hesitate to contact our Privacy Officer should you have any questions:

14.   TOOLS

You are identified as admin@yourbenefits.ca


Download your data

You can download all your data formatted as a table for viewing.
Alternatively, you can export it in machine-readable JSON format.


Delete my user and data

Data deletion is disabled for administrative accounts.

Our Privacy Officer may be contacted as follows:

Karyn Oshmera  Koshmera@tripemco.com or 905-664-2266 ext 212