Privacy Policy

Cascade Insurance Agencies ("Cascade," "we," "us," or "our") respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how Cascade Insurance Agencies collects, uses, discloses, protects, and retains personal information when you visit our website, contact us, request information or an insurance quote, or otherwise interact with us.

As a private-sector organization operating in British Columbia, we handle personal information in accordance with British Columbia's Personal Information Protection Act (PIPA) and other applicable Canadian privacy requirements.

1. Our Commitment to Your Privacy

Protecting the privacy and confidentiality of personal information is an important part of our business.

Cascade Insurance Agencies collects personal information for legitimate business and insurance-related purposes. We seek to collect only information that is reasonably necessary for the purposes identified at or before the time of collection.

We take reasonable steps to protect personal information against unauthorized access, collection, use, disclosure, copying, modification, loss, theft, or disposal.

2. Personal Information We May Collect

The personal information we collect depends on how you interact with Cascade and the insurance products or services you request.

This information may include:

• name;
• address or postal code;
• email address;
• telephone number;
• preferred method of contact;
• preferred Cascade location or office;
• information about the insurance product or service you are interested in;
• information voluntarily provided through website forms, email, telephone, or other communications;
• information reasonably required to understand your insurance needs, obtain quotations, arrange or administer coverage, or provide requested insurance services; and
• other information you authorize us to collect or that we are permitted or required to collect by law.

Depending on the insurance product or service requested, additional information may be required to determine eligibility, assess risk, obtain an accurate quotation, or arrange coverage.

3. Information Collected Through Our Website

When you visit our website, certain technical information may be collected automatically through our website and related technologies.

This may include:

• Internet Protocol (IP) address;
• browser type and version;
• device type;
• operating system;
• pages visited;
• referring website;
• dates and times of visits;
• interactions with website features; and
• other diagnostic or usage information.

We may use this information to operate and secure our website, understand how visitors use it, troubleshoot technical issues, and improve our website and services.

4. Website Forms and Insurance Inquiries

Our website allows visitors to contact Cascade, request information, and inquire about insurance products and services.

When you submit a website form, we may collect information such as your name, telephone number, email address, postal code, preferred location, insurance service of interest, and any information you choose to include in your message.

We may use this information to:

• respond to your inquiry;
• contact you regarding the insurance product or service requested;
• understand your insurance needs;
• arrange a consultation or follow-up;
• obtain information required to assist with an insurance quotation; and
• direct your inquiry to the appropriate Cascade representative.

Submitting a website form, inquiry, or quote request does not bind insurance coverage or create an insurance contract. Additional information, underwriting, approval, and confirmation may be required before coverage becomes effective.

5. Information You Provide in Website Forms

Our website forms are intended for general inquiries, quote requests, and initial communications regarding insurance products and services.

Please provide only the information reasonably necessary for your inquiry and avoid including sensitive or confidential personal information in the Message / Additional Details field unless specifically requested by Cascade Insurance Agencies.

If additional personal information is required to provide a quotation, assess insurance needs, arrange coverage, or provide another insurance service, a Cascade representative may contact you regarding the information required and how it should be provided.

6. How We Collect Personal Information

Cascade may collect personal information:

• directly from you;
• through our website and online forms;
• by telephone;
• through email, text message, or other electronic communications;
• during meetings or other interactions with Cascade;
• through insurance applications, questionnaires, or related documents;
• from insurers and other organizations involved in providing insurance services;
• from service providers acting on our behalf; and
• from other sources where you have provided consent or where collection is otherwise permitted or required by law.

7. How We Use Personal Information

Cascade may use personal information for purposes including:

• responding to inquiries and requests;
• identifying and understanding your insurance needs;
• obtaining and providing insurance quotations;
• determining eligibility for insurance products;
• arranging insurance coverage;
• communicating with insurers and other parties involved in providing insurance services;
• administering, servicing, renewing, or modifying insurance coverage;
• providing customer service;
• communicating with you about products or services you have requested;
• maintaining appropriate client and business records;
• preventing or investigating fraud, unauthorized activity, or misuse;
• operating, maintaining, securing, and improving our website and services;
• complying with applicable legal, regulatory, contractual, and insurance-industry requirements; and
• other reasonable purposes identified at the time of collection or to which you have consented.

8. Consent

Cascade obtains consent for the collection, use, and disclosure of personal information where required by applicable law.

The form of consent may vary depending on the circumstances, the sensitivity of the information, and the reasonable expectations of the individual.

Where appropriate, consent may be express or implied.

For website inquiries and quote-request forms, Cascade may require affirmative consent before information is submitted.

You may withdraw consent to certain uses of your personal information, subject to reasonable notice and any legal, regulatory, or contractual restrictions.

9. Sharing Personal Information

Providing insurance services may require Cascade to share personal information with other organizations involved in an insurance transaction.

Depending on the circumstances, these may include:

• insurance companies and underwriters;
• insurance intermediaries;
• authorized insurance professionals;
• claims professionals or adjusters;
• service providers;
• professional advisers;
• regulatory or governmental authorities; and
• other organizations reasonably involved in providing, administering, or servicing an insurance product.

We limit disclosure to information reasonably necessary for the applicable purpose or otherwise authorized or required by law.

Cascade Insurance Agencies does not sell personal information to third parties.

10. Service Providers

Cascade may use third-party service providers to support our business operations.

These providers may assist with functions such as:

• website hosting and management;
• customer relationship management;
• website forms;
• communications;
• email and telephone services;
• data processing and storage;
• website analytics;
• cybersecurity and technical support;
• document management; and
• other administrative or operational services.

Service providers may process personal information on our behalf. We take reasonable steps to select and use service providers appropriate to the nature of the information and services involved.

11. Transfer of Personal Information

Personal information may be processed or stored by Cascade Insurance Agencies or by service providers that assist us in operating our website and providing our services.

Information may be transferred to, processed, or maintained on systems located outside your province, territory, country, or other governmental jurisdiction, where privacy and data protection laws may differ from those in your jurisdiction.

Cascade Insurance Agencies takes reasonable steps to ensure that personal information under our control is handled securely and in accordance with this Privacy Policy and applicable privacy requirements.

12. Cookies and Similar Technologies

Our website may use cookies and similar technologies to support website functionality, remember preferences, understand website usage, improve performance, and support analytics.

Cookies are small files or pieces of information stored on or associated with your browser or device.

Depending on the technologies used on our website, cookies may include:

• Essential Cookies: Used to support website security and basic functionality.
• Functional Cookies: Used to remember certain settings or preferences.
• Analytics Cookies: Used to understand website traffic and how visitors interact with our website.

You can generally control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality or performance of the website.

13. Website Analytics

Cascade may use website analytics services to understand website traffic, performance, and visitor interactions.

These technologies may collect information such as device and browser information, IP address, pages viewed, time spent on the website, and website interactions.

We use this information to understand website performance and improve our website and services.

14. Electronic Communications

Cascade may communicate with you by telephone, email, text message, or other electronic means when responding to an inquiry or providing requested insurance-related services.

Where commercial electronic messages are sent for marketing or promotional purposes, Cascade will comply with applicable Canadian requirements, including consent and unsubscribe requirements where applicable.

You may unsubscribe from promotional electronic communications using the unsubscribe mechanism provided or by contacting Cascade.

Unsubscribing from promotional communications does not prevent Cascade from sending communications reasonably necessary to respond to an inquiry, provide requested services, administer an insurance relationship, or meet legal or regulatory requirements.

15. Security and Safeguards

The security of personal information is important to Cascade.

We take reasonable administrative, technical, and physical measures appropriate to the nature and sensitivity of the information to protect personal information against risks including:

• unauthorized access;
• unauthorized collection, use, or disclosure;
• loss or theft;
• copying or modification; and
• improper disposal.

Safeguards may include access controls, account security measures, secure technology providers, security procedures, and limiting access to personal information to individuals who reasonably require it for legitimate business purposes.

No method of transmission over the Internet or method of electronic storage can be guaranteed to be completely secure.

16. Retention of Personal Information

Cascade retains personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to meet applicable legal, regulatory, contractual, insurance-industry, and legitimate business requirements.

Different categories of information may be subject to different retention periods.

When personal information is no longer reasonably required, Cascade will take reasonable steps to securely destroy, delete, or anonymize it, subject to applicable retention requirements.

17. Accessing and Correcting Your Personal Information

Subject to exceptions permitted by law, you may request access to personal information Cascade holds about you.

You may also request correction of personal information that you believe is inaccurate or incomplete.

Cascade may need to verify your identity before responding to an access or correction request.

Requests may be submitted using the contact information provided below.

18. Withdrawal of Consent

Where Cascade relies on your consent, you may withdraw that consent subject to reasonable notice and applicable legal, regulatory, or contractual restrictions.

Withdrawal of consent may affect our ability to provide certain insurance products or services.

Cascade may continue to retain, use, or disclose certain information where permitted or required by law.

19. Third-Party Websites

Our website may contain links to websites operated by insurance companies, business partners, service providers, or other third parties.

Cascade does not control the privacy practices, security, or content of independent third-party websites.

We encourage you to review the privacy policy of any third-party website you visit.

20. Children's Privacy

Cascade's website and insurance services are not specifically directed toward children.

Where information concerning a minor is reasonably required for an insurance-related purpose, Cascade will handle that information in accordance with applicable privacy requirements and with safeguards appropriate to the nature and sensitivity of the information.

21. Privacy and Security Incidents

Cascade takes reasonable steps to prevent unauthorized access to or disclosure of personal information.

If a privacy or security incident occurs, Cascade will assess the circumstances and take appropriate steps in accordance with applicable legal and regulatory requirements.

22. Changes to This Privacy Policy

Cascade may update this Privacy Policy periodically to reflect changes to our business practices, services, technology, or applicable requirements.

The most current version will be posted on our website and identified by the Last Updated date at the top of this page.

We encourage you to review this Privacy Policy periodically.

23. Contact Cascade Insurance Agencies

Cascade Insurance Agencies is responsible for personal information under its control.

If you have questions about this Privacy Policy, wish to request access to or correction of your personal information, wish to withdraw consent where applicable, or have a privacy-related concern, please contact:

We will review privacy questions and concerns and respond as appropriate.

If you have concerns about how your personal information has been handled, you may also contact the Office of the Information and Privacy Commissioner for British Columbia.