Principle #1: Our Accountability for the Collection, Use or Disclosure of Personal Information
As a customer of the Portage la Prairie Mutual Insurance Company, you have a right to expect that your
insurer is accountable for the personal information it collects and uses. “Customer” means a current and
former insured, an applicant for insurance, a claimant under one of our policies as well as an individual
insured as part of a group or corporate policy.
We are responsible for maintaining and protecting your personal information while it is under our control.
This includes any personal information that may need to be disclosed to third parties for processing or
other administrative functions.
To help ensure the confidentiality of your personal information, we have established policies and procedures
to ensure that we comply with the Personal Information Protection and Electronic Documents Act. We have
designated a Privacy Officer who is responsible for our company’s compliance with the ten privacy principles
by the Canadian Standards Association.
If you have any questions or inquiries about how your personal information is stored, or when it may need to
be disclosed to others, our Privacy Officer is there to assist and explain our policies to you.
Principle #2: Identifying Our Purpose for the Collection, Use or Disclosure of Personal Information
Before or when we collect information about you, we will explain how we intend to use it. The Portage la
Prairie Mutual Insurance Company collects personal information only for the following purposes:
- To provide ongoing service to our customer
- To help us understand our customer’s needs better
- To develop, enhance, market or provide insurance products and services
- To enable us to underwrite your policy of insurance and set a fair premium
- To provide us with the information that we need to adjust a claim in a fair and expeditious way
- To meet our legal and regulatory requirements under the Insurance Act and other statutes
Unless we are required by law, the Portage la Prairie Mutual Insurance Company will not use or disclose any
personal information that has been collected without documenting the new purpose and obtaining your consent.
If you have any questions about these purposes, our Privacy Officer will be pleased to explain them to you.
Principle #3: Obtaining Your Consent for the Collection, Use or Disclosure of Personal Information
The Portage la Prairie Mutual Insurance Company will make a reasonable effort to make sure that its
customers understand and consent to how their personal information will be used by the Company.
We will obtain your consent if we need to use your information for any other purpose and before collecting
information from third parties such as other insurers and insurance service companies.
In certain circumstances, however, personal information may need to be collected, used or disclosed without
the knowledge and consent of the individual. For example, legal, medical, or security reasons may make it
impossible or impractical to seek consent.
The Personal Information Protection and Electronic Documents Act recognizes that when information is being
collected for the detection and prevention of fraud or for law enforcement, seeking the consent of an
individual may defeat the purpose of collecting the information. Seeking consent may also be impossible or
inappropriate when the individual is a minor, seriously ill, or mentally incapacitated.
In obtaining your consent, we will always use reasonable efforts to ensure that you are advised of the
identified purposes for which any personal information collected will be used or disclosed.
Principle #4: Limiting Our Collection of Personal Information
We will always limit the collection of personal information to that which is necessary for the identified
purposes. Typically, this is information that is required to enable us to underwrite your policy of
insurance and charge a fair premium. We may need to collect personal information, including but not limited
to credit score from other sources including credit bureaus.
Under certain circumstances we need to collect information to assist us in adjusting or investigating a
claim. This may involve the use of licensed and regulated independent insurance adjusters or investigators.
We will always collect personal information by fair and lawful means.
Principle #5: Limiting the Use, Disclosure and Retention of Personal Information
Personal information will not be used or disclosed for purposes other than for which it was collected,
except with your consent or as permitted or required by law. Your personal information will be retained only
as long as it is necessary to fulfill those purposes.
The Portage la Prairie Mutual Insurance Company may disclose a customer’s personal information to the
Another insurance company for the reasonable provision of insurance services (This may include another
insurance company that is subscribing to the risk insured under our policy.)
Another person or corporation as part of conducting business (This may include a reinsurance company,
subject to that corporation agreeing to manage personal information in accordance with these privacy
A person or corporation that is involved in supplying us with claims support services (This may include
a licensed independent insurance claims adjuster or investigator, or a fire or forensic expert or
A medical or rehabilitation specialist or assessment clinic that is providing an opinion to us pursuant
to our rights and obligations under the Insurance Act
A company or an individual employed by the Portage la Prairie Mutual Insurance Company to perform data
processing, accounting, actuarial or statistical functions on our behalf
A person or corporation involved in the development, enhancement, marketing or provision of our
insurance products and services (This may include an insurance broker or agent.)
An agent used by the Portage la Prairie Mutual Insurance Company to evaluate your creditworthiness or to
collect an outstanding account (This may include credit grantors and reporting agencies.)
A public authority or agent of a public authority, if the information is required to comply with a
provincial or federal statute or regulation
A law enforcement agency, where our customer consents to such disclosure or disclosure is required by
law or emergency
The Portage la Prairie Mutual Insurance Company does not provide or sell its customer lists to any outside
company for use in marketing or solicitation. Only employees with a business “need to know”, or those whose
duties require it, are granted access to personal information about our customers.
We keep personal information only as long as it remains necessary or relevant for the identified purposes or
as required by law. Personal information that is no longer necessary or relevant for the identified purposes
or required to be retained by law is destroyed, erased or made anonymous.
website. Cookies are used to remember your preferences and help us understand how users engage with our
website. By using our website, you consent to the placement of relevant cookies on your computer or device.
For example, when you interact with our website, we will receive technical information from your computer
such as your Province, Internet protocol address of your computer browser, referring websites, if any, the
path you take through our web pages. We may share this information with a third-party service such as
browser to disable cookies; however, if you disable Cookies, you may not be able to access certain parts of
our website, or certain parts may not work properly.
Principle #6: Keeping Your Personal Information Accurate
The Portage la Prairie Mutual Insurance Company makes every effort to ensure that personal information about
its customers is as accurate, complete, and up-to-date as is necessary for the purposes for which it was
This may require contact with your insurance broker to confirm or update personal information required for
underwriting purposes. In addition, the Insurance Act and the terms and conditions of your policy of
insurance may require you to notify us of material changes to your personal information.
If you have any questions about the accuracy and completeness of the personal information that we have
collected or retained, please do not hesitate to contact our Privacy Officer. If you need to update some
aspect of your personal information, please contact your insurance broker or agent directly.
Principle #7: Safeguarding Your Personal Information
The Portage la Prairie Mutual Insurance Company takes steps to protect personal information with security
safeguards appropriate to the sensitivity of the information.
Specifically, we have stringent security measures in place to protect personal information against such
risks as loss or theft, computer hackers, unauthorized access, disclosure, copying, use, modification, or
The Portage la Prairie Mutual Insurance Company protects your personal information regardless of the format
in which it is held. We also protect personal information we disclose to third parties by contractual
agreements stipulating the confidentiality of the information and the purposes for which it is to be used.
All our employees with access to personal information are required as a condition of their employment to
sign a Code of Business Ethics that includes a statement confirming their understanding of and adherence to
respect the confidentiality of personal information.
Principle #8: Openness Concerning our Privacy Practices
The Portage la Prairie Mutual Insurance Company pursues a policy of openness about the procedures it uses to
manage personal information. We will make specific information about our policies and practices relating to
the management of their personal information available to customers upon request.
We ensure openness by providing you with the following information:
- The title and address of the Privacy Officer accountable for our compliance with the policy
- The name of the individual to whom inquiries or complaints can be forwarded
- The means of gaining access to personal information held by our company
A description of the type of personal information held by the Portage la Prairie Mutual Insurance
Company, including a general account of its use
The Portage la Prairie Mutual Insurance Company makes information available to help its customers exercise
informed choices regarding the use of their personal information.
Principle #9: Policyholder Access to Personal Information
The Portage la Prairie Mutual Insurance Company informs its customers of the existence, use, and
disclosure of their personal information upon request and provides access to that information. Our customers
are able to challenge or correct the accuracy and completeness of their personal information and have it
amended when appropriate.
When a request is made in writing, we will inform you in a timely fashion, of the existence, use, and
disclosure of your personal information and you will be given access to that information. In order to
safeguard your personal information, we may require you to provide sufficient identification information to
permit us to authorize access to your file.
In certain exceptional situations, we may not be able to provide you with access to all of the personal
information we hold. Exceptions may include information that is prohibitively costly to provide, information
that contains references to other individuals, information that cannot be disclosed for legal, security or
commercial proprietary reasons, information that is subject to solicitor-client or litigation privilege, or,
in certain circumstances, information of a medical nature. If this is the case, the Portage la Prairie
Mutual Insurance Company will provide the reasons for denying access upon request.
Customers can obtain information or seek access to their individual files by contacting our designated
Privacy Officer at the address described below.
Principle #10: Challenging Compliance
A customer has the right to challenge the Portage la Prairie Mutual Insurance Company’s compliance with the
above principles by contacting the Privacy Officer accountable for our compliance with the policy.
The Portage la Prairie Mutual Insurance Company maintains strict procedures for addressing and responding to
all inquiries or complaints from its customers about its handling of personal information. We inform our
customers about our privacy practices as well as availability of complaint procedures, if necessary.
complaint is found to be justified, we will take appropriate measures to resolve the complaint including the
amendment of our policies and procedures.
seek external legal advice where appropriate before providing a final response to individual complaints.
For Further Information
For more information, please contact our Privacy Officer directly via e-mail:
or by calling our toll-free number: 1-800-567-7721.