At RATESDOTCA, a division of Kanetix Ltd., protecting the personal information that you provide to us at www.rates.ca is a top priority.
Any information requested by the presentation of any form on our website will be clearly marked, and no collection will take place unless you not only fill in the form but also actively consent and successfully submit that form's content to use.
Other than as permitted or required by law, purposes for the collection use or disclosure of personal information, which are not set out in this policy, will be set out at the time of collection. You will be given reasonable opportunity to opt-out of any additional purposes no later than the time of collection.
RATESDOTCA is part of the Kanetix Ltd. family, the largest online insurance and financial comparison company in Canada. Also within the Kanetix Ltd. family are:
In certain situations, RATESDOTCA may be required to disclose personal data in response to lawful requests by public authorities, including meeting national security or law enforcement requirements.
We reserve the right to disclose your personal information as required by law, and when we believe that disclosure is necessary to protect our rights or comply with a judicial proceeding, court order, or legal process served on our website.
In the event RATESDOTCA goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personal information will likely be among the assets transferred. You will be notified via prominent notice on our website for 30 days of any such change in ownership or control of your personal information.
Last updated October 23, 2020
As is true of most websites, we gather certain information automatically. This information may include internet protocol (IP) addresses, browser types, internet service providers (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating systems, date/time stamps, and clickstream data to analyze trends in the aggregate and administer the site.
Personal information is any information about an identifiable individual. Personal information does not include the name, title, business address or telephone number of an employee of an organization.
Our online usage and affiliate tracking systems do not gather or store personal information.
If you are under 18, be sure to obtain your parent or guardian's permission before you send any personal information to us, or anyone else, over the internet. We encourage parents to get involved with their children's online usage and to be aware of the activities in which they are participating.
We collect personal information for specific, limited purposes. Information is collected by fair and lawful means. Anyone can navigate this website without giving us personal information.
We collect personal contact information (for example, names, addresses, email addresses and telephone numbers) if you:
This information is used to fulfill your request, provide targeted advertising, and respond to your inquiries and feedback.
Obtaining an insurance quote:
Depending on the type of quote you are seeking, some of the following information may be collected:
Obtaining a mortgage loan or are a mortgage broker or agent:
Depending on the type of request, some of the following information may be collected:
In some cases, we use third parties to provide the online quotes you receive on our site or to assist us in advertising our services to you. Concerning the quotes you get, the only information shared with the third party is the information required to provide you with an accurate quote. Depending on the type of quote you are seeking, this information may be comprised of one or more of the following: your age, gender, marital status, smoking status, driving, and insurance history. This information is only shared as necessary for the third party to provide you with an accurate quote.
We may also share your information with third parties who provide services on our behalf to help with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us.
These third parties are prohibited from using your personal information for any other purpose.
If you are a service provider, we collect your social insurance number for tax reporting purposes and your contact information to pay you. We may also collect financial information from service providers and from advertisers (for example, banking details and credit history) to assess credit risk, sales data to prepare royalty reports and other information to help us evaluate your services.
We post customer testimonials on our website, which may contain personal information. We do obtain the customer's consent via email before publishing the testimonial to post their name along with their testimonial.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us through our email. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Social Media Features and Widgets
If you enter a contest or other promotion, we use your personal contact information to administer the contest or promotion including, contacting, announcing, and promoting prize winners.
If you are concerned about cookies, it is possible to turn them off in your web browser preferences. However, please be aware that by disabling cookies, you may not be able to use all portions of our websites, particularly pages requiring registration.
We may place advertising or other links on our sites that originate from outside advertisers. If you view these ads, the advertisers may assign a cookie. We do not control these cookies, nor are we responsible for any marketing or other use of your name by these advertisers.
We generally use your personal information for:
RATESDOTCA is not a mortgage or insurance company or a mortgage broker/agent or insurance broker/agent. [FC1] You will be disclosing information directly to mortgage and insurance brokers or agents, as well as to RATESDOTCA if you choose to receive a mortgage or an insurance quote from a mortgage or insurance broker or agent. It will be clearly indicated, and it is part of the quoting process.
We may also disclose your personal information under the following circumstances:
Personal information collected by RATESDOTCA is used to provide you with a reference to a mortgage or insurance company or broker/agent or other service.
In general, we seek consent to use your personal information per our opt-out policy. Except as set out in this section, we obtain your express opt-in consent to use or disclose sensitive personal information.
If you do not wish to receive marketing offers, you may opt-out at any time by doing any of the following:
Please allow a reasonable time (approximately two to four weeks) for processing of your request.
You may call RATESDOTCA at 1-844-726-0907, and we will make the changes upon receipt of appropriate evidence.
We will give you access to the information we retain about you within a reasonable time, upon written request, satisfactory identification and proof of entitlement. In some cases, we may not provide access to personal information in our possession or control. If we deny your request, we will advise you in writing of the reason for the refusal, and you may challenge our decision.
If You Have Any Concerns
We are committed to providing excellent service to you. However, if you have a concern or complaint, please contact us, because we are also committed to working with you to achieve a resolution and following through to a successful conclusion as quickly as possible. In most cases, complaints are resolved simply by discussing it with us. You should be able to get swift results by contacting us at:
360 Adelaide Street West, Suite 100