Our Commitment to Privacy
This Privacy Policy (the “Policy”) describes the personal information Nicol Insurance Inc. (“Nicol Insurance,” “we,” “our,” or “us”) may collect, the purposes for which we collect it, how we use it, and when we may share it with third parties. This Policy also explains the choices you can make regarding the collection, use, and disclosure of your personal information.
Nicol Insurance Inc. will collect, use, and disclose personal information only in accordance with this Policy and applicable privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
By using nicolinsurance.com, you agree to the terms of this Policy.
What Kind of Information Does Nicol Insurance Inc. Collect?
We may collect personal information when you visit our website, request insurance services, submit inquiries or applications, communicate with us by phone or email, or participate in contests, promotions, or surveys.
This information may include your name, address, email address, phone number(s), policy details, insurance history, billing information, product or service interests, and any other information you choose to provide.
When you visit our website, we may automatically collect technical information such as your IP address, browser type, operating system, device identifiers, location data, and date or time of access.
Nicol Insurance Inc. does not knowingly collect personal information from children under the age of 13.
Internet Advertising
We may use third-party service providers to display advertising on our website or on other websites. These providers may use cookies, tracer tags, or web beacons to measure the effectiveness of advertising and display content relevant to your interests.
Tracer Tags and Web Beacons
Our website may use tracer tags or web beacons to understand how visitors interact with our site. This information helps us improve functionality and user experience.
Social Media
We may allow you to engage with our content through third-party social media platforms. When you do so, information associated with your social media account may be shared with us in accordance with the platform’s privacy settings.
Cookies
Cookies are small data files stored on your device that help improve website performance and user experience. You can manage cookies through your browser settings, though some site features may not function properly if cookies are disabled.
For What Purposes Does Nicol Insurance Inc. Use Personal Information?
We use personal information to provide insurance services, manage policies, communicate with clients, meet legal and regulatory requirements, improve our services, conduct internal analysis, and deliver marketing communications where permitted.
Use of Artificial Intelligence (AI) Tools
Nicol Insurance Inc. uses AI-assisted tools to support administrative and analytical tasks such as summarizing policy documents, identifying renewal changes, comparing policy information, and assisting with internal service reviews.
AI tools do not make decisions regarding insurance coverage, pricing, underwriting, eligibility, or claims. All insurance-related decisions are reviewed and made by licensed insurance professionals.
Personal information processed by AI-enabled service providers is used solely to support our services and is subject to contractual confidentiality and security obligations. Client information is not used to train AI systems for unrelated purposes.
Disclosure of Personal Information
We do not sell or rent personal information. We may share information with affiliates, service providers, regulators, or other third parties where required by law or necessary to provide services. Personal information may be processed in Canada, the United States, or other jurisdictions.
Access and Choices
You may request access to, correction of, or withdrawal of consent for your personal information. You may also opt out of promotional communications at any time.
To make a request or inquiry, contact:
Nicol Insurance Inc.
Email: info@nicolinsurance.com
Phone: 1-800-376-5350
Retention and Safeguards
Personal information is retained only as long as necessary to meet legal, regulatory, and business requirements. We use physical, administrative, and technical safeguards to protect personal information against unauthorized access, use, or disclosure.
Mobile Privacy
When accessing our website on a mobile device, we may collect device and approximate location information to support functionality. Location settings can be managed through your device.
Changes to This Policy
This Policy may be updated periodically. The most current version will be available on our website. Continued use of our services constitutes acceptance of any updates.