Privacy Policy
This policy explains how CoverHorizon Assurance Ltd. handles personal information associated with coverhorizon.com and information requests submitted through its forms, in accordance with applicable Canadian and Quebec privacy law.
1. Organization responsible for personal information
CoverHorizon Assurance Ltd., located at 9187 Bd de l'Acadie, Montréal, QC H4N 3K1, Canada, is responsible for personal information handled through this website. Privacy questions may be sent to [email protected]. The Managing Director is Spencer Calder. CoverHorizon Assurance Ltd. is registered under number 756235985 through Law office Drummond, 1310 Boul. René-Lévesque Ouest, Montréal, QC H3G 0C4, Canada.
2. Information we may collect
When you submit a contact request, we may handle your name, email address, phone number, area of interest and any information you choose to enter in the message. Technical information needed for security, availability and operation may also be processed, such as access date and time, browser information and security logs.
General website forms are not intended for unsolicited detailed health information. If underwriting requires health information, it should be collected through the appropriate process with the required notices, safeguards and lawful basis.
3. Purposes and legal basis
Information sent in a request is used to respond, explain the solutions presented and, when requested, prepare pre-contract steps. Depending on the context, processing may be based on consent, steps taken at your request before a possible contract, or other grounds permitted by applicable Canadian and Quebec law.
Where processing depends on consent, consent is requested for the specific purpose and may be withdrawn, subject to applicable law. Non-essential cookies depend on your choice.
4. Retention
Information submitted through requests is retained only as long as needed to manage the communication and related obligations, then deleted or anonymized when there is no longer a legal or operational need to keep it. Longer retention may apply where required by law, to protect legal rights or to manage a contractual relationship.
5. Service providers and recipients
Personal information may be handled by service providers supporting hosting, security, communications or operations necessary to provide the service. They are limited to authorized purposes and subject to confidentiality and privacy obligations. Personal information is not provided to third parties for their own marketing purposes without an appropriate basis.
6. Cross-border transfers
Personal information may be processed or stored by service providers outside Quebec or Canada. Where required, CoverHorizon Assurance Ltd. uses contractual, organizational and other safeguards appropriate to the transfer and applicable Canadian and Quebec privacy requirements. Additional information may be requested through the privacy contact listed in this policy.
7. Your privacy rights
Subject to applicable law, you may request access to and correction of your personal information, withdraw consent where applicable, and exercise other rights available under Canadian and Quebec privacy law. We may need to verify your identity before processing a request.
You may also contact the Office of the Privacy Commissioner of Canada or the Commission d’accès à l’information du Québec, as applicable, if you believe your personal information has been handled contrary to applicable privacy requirements.
8. Cookies and choices
The website uses cookies that are necessary for operation and may use additional categories only according to the choice made through the consent mechanism. More information about categories, purposes and duration is available in the Cookie Policy.
9. Security
Reasonable technical and organizational safeguards are used to protect personal information against unauthorized access, alteration, disclosure, loss or destruction. No transmission or storage method eliminates all risk, so safeguards are reviewed according to the nature and sensitivity of the information handled.
10. Changes
This policy may be updated to reflect legal, operational or data-handling changes. The version published on this page replaces earlier versions from its effective date.