Privacy Policy

Richard FitzGerald ("Richard", "he", "him") is a licensed insurance agent who adheres to the Financial Services Regulatory Authority of Ontario's ("FSRA") privacy guidelines. He is committed to being accountable for the personal information within his custody or under his control as governed by the Freedom of Information and Protection of Privacy Act of Ontario (FIPPA).

He respects the privacy and confidentiality of members of the public whose information he handles.

Collection of Personal Information

Richard is typically collects personal information directly from you, unless it is necessary to collect it in another manner authorized by law. He collects personal information such as:

• information that you provide to him, such as via electronic forms, paper forms, or online portals. For example, your name, personal contact information such as home address, phone numbers, email addresses, etc.;

• information disclosed to him by other parties;

• preferences such as how users use the website(s) and what users would like to see on the websites; and

• other information that he collects with your consent or as permitted or required by law that is reasonable and necessary to conduct regulatory operations, including to provide you with information, a program, or service.

Richard will obtain your consent to the collection, use and disclosure of your personal information where not authorized by law for the applicable purposes and uses described in this Privacy Notice, or other notice provided at the time of collection.

You may withdraw your consent to his collection, use and disclosure of personal information at any time, subject to legal and contractual restrictions and reasonable notice, by contacting him. Note, however, that if you withdraw your consent, he may no longer be able to provide certain information, programs, or services to you. Withdrawal of consent does not apply in situations where consent is not required to collect, use, or disclose personal information. In some cases, withdrawing consent may not be feasible, for example, when data has been anonymized and used in a published output.

If you choose not to use his website to provide information, you can contact him by telephone, mail or in person. (Note: not all options may be available in every situation).

Use of Personal Information

Richard uses personal information for the purposes for which it has been collected and consistent purposes unless another use is specifically authorized by law. For example:

• to provide you with services or support
  
  

• to process and respond to your request, inquiry, or complaint;

• to send you newsletters and other electronic communications that you have subscribed to;

• for identity verification;  

• to conduct surveys or research;

• to create a de-identified or anonymized record or dataset for purposes such as privacy protection and compliance, data analysis, or data sharing; and

• otherwise with your consent or as permitted or required by law.

Disclosure of Personal Information

Richard discloses personal information where there is legal authority to do so. For example:

• to enforce or apply Terms of Use and other agreements;

• as necessary to meet legal, regulatory, insurance, audit, processing, and security requirements; and

• otherwise with your consent or as permitted or required by law.

Retention and Disposal of Personal Information

Richard is committed to protecting individuals' privacy by ensuring that personal information is retained only for as long as necessary and securely disposed of in accordance with records retention schedules and applicable law.

Service Providers and Location of Data

Personal information may be handled and stored in locations other than Ontario, such as in other provinces or countries.

In accordance with FSRA policy, Richard permits access to or transfers of personal information to third parties that provide services to him, or to you on his behalf, such as data processing, mailing, administrative, website analytics, or other services. He takes reasonable measures to ensure that personal information processed by these service providers is protected and used / disclosed as directed by us.

Some service providers may be located in foreign jurisdictions and will be subject to the laws of those jurisdictions, which may permit foreign government and national security authorities access to your personal information in certain circumstances.

Security

In accordance with FSRA policy, Richard protects personal information in his custody or under his control using physical, technological, and administrative security measures, which may include safeguards to protect against loss or theft, as well as safeguards against unauthorized access, disclosure, copying, use, or modification.

Website

In accordance with FSRA policy, Richard may collect certain browsing information to evaluate his websites and determine how they are used. For example, he may collect your Internet Protocol (IP) address, browser type, operating system, domain name, access times, pages viewed, and referring website addresses. The information may be combined with that of other visitors to the websites and used to manage and enhance the website. For example, he may use such information for website use statistics and to assess the most visited sections of the website.

In addition, some external services have been integrated to his website. These external services rely on cookies.

Use of Cookies

Where your browser’s cookie settings permit it, cookies are stored on your device to enhance site navigation, functionality and analyze site usage.

When you visit his websites, he collects a limited amount of statistical information which does not personally identify you. He may use both session and persistent cookies which are small files that are created by a web site, sent to your browser, and stored on the hard drive of your computer. A session cookie expires after you leave the website whereas a persistent cookie remains until it expires.

Cookies are used to create a better user experience; for example, they can remember your web viewing preferences such as choice of language or accessibility options. They can also assist in monitoring traffic patterns so that website content and design can be improved for visitors.

Cookies do not personally identify you. However, they can be disabled using your web browser’s preferences where you choose to visit hi websites without them.

Analytics

To serve you better, Richard uses web analytics services including Google Analytics and Meta tags to help analyze the use of his websites. These tools use cookies to collect and generate information about your visits to his sites (including your IP address) that is transmitted to their servers in an anonymous form for processing. He studies patterns of website activity so he can improve his website visitor experience.

No personally identifiable information is intentionally collected by Richard or his analytics services with these tools.

You can opt-out of analytics activity by setting your browser to notify you when a cookie is sent and block analytics cookies if desired. Please consult your browser’s Help Menu for instructions. Visiting Richard's website with analytics cookies disabled will have no significant impact on your browsing experience.

External Sites and Embedded Content

Some sections of his website provide links to other sites or include content that is created and maintained by other organizations for your information. Please note that the privacy practices of these organizations may be different from Richard’s privacy practices or the FSRA's privacy practices. Therefore, you should refer to the privacy policy or statement provided by those organizations on their respective websites.

Accessing and correcting your personal information

Contact Me

• To make a privacy inquiry or for all other types of inquiries comment please contact Richard via email: questions@accidentandsicknessinsurance.ca or telephone: 416-788-4684.

Effective date: 16 September 2025