Privacy Policy

Introduction

Canada General Warranty Inc. ("CGW", "we", "us", or "our") is committed to protecting the privacy, confidentiality, and security of personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

This Privacy Policy outlines how we collect, use, disclose, and safeguard personal information in connection with our products and services in partnership with our insurers.

Accountability

CGW is responsible for personal information under its control and has designated a Privacy Officer responsible for compliance with this policy and applicable privacy legislation.

Identifying Purposes

We collect, use, and disclose personal information for the following purposes:

  • To process and administer applications for CGW products and services
  • To issue and maintain contract/policies
  • To adjudicate and manage claims
  • To communicate with customers, dealers, lenders, insurers, and service providers
  • To meet legal, regulatory, and contractual obligations
  • To prevent fraud and ensure the integrity of our services

The purposes for collection will be identified at or before the time personal information is collected.

Consent

Knowledge and consent are required for the collection, use, and disclosure of personal information, except where permitted or required by law.

Consent may be obtained:

  • Directly from the customer (e.g., signed application/contract)
  • Through authorized third parties (e.g., dealers or brokers)
  • Implied where appropriate based on the nature of the transaction

By applying for or participating in a CGW-administered product, individuals consent to the collection, use, and disclosure of their personal information for the purposes outlined above.

Limiting Collection

We limit the collection of personal information to what is necessary for the identified purposes.

Information may include: Name and contact details, Vehicle and finance contract information, Insurance and claims-related information.

Information may be collected: through applications and contracts, from dealers, brokers, or lenders, from insurers and claims-related parties.

Use, Disclosure, and Retention

Personal information is used and disclosed only for the purposes for which it was collected, unless otherwise required or permitted by law.

Information may be shared with:

  • Our Insurers
  • Customer's Lenders and finance companies
  • Our Dealers and brokers
  • Claims administrators, adjusters, and service providers
  • Technology and data processing providers

Some service providers may be located outside Canada. As a result, personal information may be processed or stored in foreign jurisdictions and may be subject to access by foreign governments, courts, or law enforcement agencies.

Personal information is retained only as long as necessary to fulfill its intended purpose or as required by law.

Accuracy

We take reasonable steps to ensure that personal information is accurate, complete, and up to date as required for its intended use.

Safeguards

We protect personal information using appropriate administrative, technical, and physical safeguards based on the sensitivity of the information.

These safeguards are designed to protect against:

  • Unauthorized access
  • Disclosure
  • Loss or misuse
Openness

We make information available regarding our privacy practices upon request. This policy is intended to provide transparency regarding how we handle personal information.

Individual Access and Correction

Individuals have the right to request access to their personal information and request corrections where appropriate, subject to legal or contractual restrictions.

Requests must be made in writing to the Privacy Officer.

Complaints and Inquiries

Individuals may direct any questions, concerns, or complaints regarding this Privacy Policy or CGW's handling of personal information to:

Privacy Officer
Canada General Warranty Inc.
57 Cambridge Street
Cambridge, ON N1R 3R8
Phone: 1-866-320-8975

We will investigate and respond within a reasonable timeframe.

Policy Updates

This Privacy Policy may be updated from time to time to reflect changes in legal requirements or business practices. The most current version will be made available upon request.