When the user submits an insurance proposal it contains personal information that will allow us to decide whether to accept or to refuse the request. Other personal information may be required to enable us to fulfill and honor the user request. For instance, if you choose to obtain a preliminary quote using the insurance quoting tool(s) on our site, you will need to provide us with demographic information such as your gender, date of birth, postal code, smoking status, mortgage information, and whether or not you are a Canadian citizen/resident. We will use this information to generate a preliminary quote for you. You will have the option to proceed further by providing additional PII such as your height, weight, tobacco usage, certain medical and driving history, certain family medical history, alcohol and drug abuse history that allow us to refine the preliminary quote suggested for you. We invite you to sign up to an account by providing additional PII such as your name, email address and phone number whereby you can save, view, and retrieve your quote information. We use your phone and email information to contact you with regards your requested quote information and to offer to answer any of our questions related to your quote. Your email address allows you to sign back to your account to view and retrieve your saved quotes. After signing up, you will be presented with insurance product detail and/or insurance product comparison options and/or insurance pricing guidance. In cases where product comparison options are not available, we will invite you to contact us to help you with your unique needs. Should you decide to start an application for a particular policy, you may be asked for more information on our Site including marital status, physical address, certain employment and financial information, current insurance ownership and certain questions. We may also collect information from you during your subsequent use of our Site, or when we communicate with you via telephone, e-mail or other means. Should you decide to proceed by requesting us to submit an application on your behalf to an insurance carrier, you may also be asked for additional information on the insurer’s electronic applications or website or on their behalf by our financial security advisors, insurance brokers that work with us and/or insurance company representatives. This is used to complete the insurance application that you authorize us to be sent to the insurance carrier.

If you choose to use our Site for an insurance needs assessment (“Insurance Checkup”), you may be asked to provide details such as, but not limited to, name, email address, age, postal code, whether you rent or own a home, whether you have an investment property, whether you have a mortgage, own or lease a vehicle, your marital status, whether you have children or pets, employment status, annual income range for you and your household, and some details about your present insurance coverage. This helps us identify your coverage risks and gaps over various life stages and lifestyle choices and recommend the appropriate products and coverage you may need to protect yourself.

You may also choose to use our website for calculating the appropriate amount of insurance coverage required for (or that you may be eligible for) your different insurance needs such as life insurance and critical illness insurance, mortgage insurance, or disability insurance. In this case, you may be asked for information such as your occupation, annual income, your outstanding debts, number of children, your estimates of your and family’s future spending needs, your existing insurance coverage, how many hours you work, how long have you been with your existing employer, etc.

We may also collect additional personally identifiable information that you voluntarily include in your postings or transmit through your communications to us. In certain cases, other users may also be able to view who has posted certain content or document.