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12 Pearl Street
St. Thomas, ON N5P 2N9


The client hereby acknowledges that the Broker has been retained by the Client to acquire or renew a policy or policies of insurance or to provide Consulting and/or Risk Management Services for the Client, under which the individual Client, or named individuals in addition to the Client, or where the Client is a commercial or other entity, its employees, servants, and representatives (hereafter collectively called “insured individuals” may be insured)

As part of the application for new or renewal insurance coverage(s), the Client hereby authorizes the Broker to collect, use and to disclose personal information of such insured individuals as required and as permitted to relevant privacy laws or other laws.

The client hereby expressly consents the Broker collecting, using or disclosing personal information of such insured individuals, or providing such personal information to third parties as required, including insurance companies. Where there are Insured Individuals in addition to the Client, or where the Client is a commercial or other entity, the Client hereby covenants and warrants that the Client has obtained the appropriate consent from all insured individuals to disclose their personal information to the Broker for these purposes accordingly.

If the client wishes to restrict the general nature of this consent to any specific area, please indicate:

If the client wishes:
• To review personal information maintained by the Broker pertaining to the Client’s application, policy or policies
• To obtain copies of the Broker’s privacy policies or standards; or
• To make other enquiries or to express concerns, the Client may do so by contacting the Broker’s Privacy Officer.

Broker’s Privacy Officer: Tom Hughes – 519-631-2782 x224 or

St. Thomas – 12 Pearl Street, St. Thomas, ON, N5P 2N9 – Fax: 519.631.8664

Phone: 519-631-2782

This Privacy Policy describes how your personal information is collected, used, and shared when you visit or make a purchase from (the “Site”).


When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”

We collect Device Information using the following technologies:

– “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit
– “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
– “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Order Information.


We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).


We share your Personal Information with third parties to help us use your Personal Information, as described above. For example, we use Google Analytics to help us understand how our customers use the Site–you can read more about how Google uses your Personal Information here: You can also opt-out of Google Analytics here:

Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.


As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at

You can opt out of targeted advertising by:


Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at:


Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.


We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.


For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at