We generally collect your personal information when you activate a policy, provide it to an insurance advisor, or provide it through other electronic or paper means, and from your transactions and other interactions with us. This information may include the following personal information:
We primarily collect your information so that we may offer and deliver the products/services that you request and that are suited to your needs
We use your personal information to help us to:
We may also use & disclose your information as permitted or required by law.
We collect, use and share your personal information only for disclosed purposes related to the products/services we offer, and only with your consent or as permitted or required by law. Your consent may be expressed in writing, or it may be given verbally, electronically, or through an authorized representative(s). Depending on the circumstances and the sensitivity of the personal information, where it is appropriate to do so, your consent may also be implied or inferred. You may withhold or withdraw your consent for us to collect, use and disclose your Personal Information, subject to legal or contractual reasons preventing you from doing so. Depending on the circumstances, however, withdrawal of your consent may impact our ability to continue to provide you with the products/services you have requested
The disclosure of and access to your personal information will be restricted to those who have a need or legal right to the information.
Some of our business areas, subsidiaries or affiliates may, from time to time, offer or promote other products/services, or those of select third parties, that we believe may be of interest to you. We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to you. We will not disclose your personal information, without your consent, with any third parties for the purpose of that organization marketing their own products/services directly to you. We may disclose your personal information to insurance agents and agencies for the purposes of those agents to process or administer products/services requested by you.
We may also share your personal information with service providers (including our subsidiaries and affiliates) or insurance agents and agencies, including to process or administer products/services requested by you and for marketing purposes, and to other service providers such as email and other internal service providers, payment card processors, telephone and technical support providers, hosting, data storage and processing service providers, and research and analytics providers. We will not share your personal information, without your consent, with any non-Samos organization for the purpose of that organization marketing their own products/services directly to you.
Additionally, we may use and disclose your personal information when we believe such use or disclosure is permitted, necessary or appropriate:
In addition, we may transfer your personal information and other information to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, brands, affiliates, subsidiaries or other assets, or other business transaction.
We strive to protect your personal information in our possession or control - including information transferred to a third-party service provider or representative - from the risk of loss, unauthorized access, disclosure, modification, or misuse. We comply with applicable laws and regulations and have implemented reasonable physical, electronic and procedural safeguards to protect your information that are appropriate for its sensitivity. For example, we encrypt your personal information and we use advanced firewall technology and layered security tools to protect our environment.
In some instances, our employees, advisors, service providers, representatives, reinsurers and any of their service providers may be located in provinces or other jurisdictions outside Canada. Your personal information may then be subject to the laws of those other jurisdictions and these other jurisdictions may have different privacy and data protection laws than your jurisdiction. All such persons, whether or not they are located in Canada or outside Canada, are required to protect the confidentiality of your personal information in a manner that is consistent with our privacy policies and practices. We regularly train employees to keep your information safe. Despite the measures outlined above, however, no method of information transmission or information storage is completely secure or error-free, so we unfortunately cannot guarantee absolute security.
You have the right to request in writing, to access and verify your personal information maintained in our files, and to be informed of the use and disclosure of your personal information. If you believe any of the information we have collected about you is incorrect or incomplete, you have the right to ask us to change it, or you may contact us to update your personal information in our records. We will address any such request as required by applicable law.
If you have a concern regarding our collection, use, and disclosure of your personal information you may contact us and we will explain our complaint procedure to you and investigate all complaints. If a complaint is justified, we will take all appropriate steps to address your complaint as required by law, including by changing our policies and practices if necessary. We will also let you know what other complaint procedures may be available to you.
Using various technologies, Samos may collect various personal information about visitors to our sites. Personal information is information about or that relates to you and that can identify you, as set out in Canadian privacy laws.
Personal information we collect in connection with our sites may include:
We use Google Analytics, Web Trends and similar analytics service providers (“analytics services”) to collect various types of data about use of our sites. We use this data to monitor and improve our sites, measure the effectiveness of our marketing and engagement campaigns and to offer you content, products/services that may be of interest to you
We may use this information to deliver advertisements to you, both online and offline, that are customized to meet your specific interests. For example, we may send a marketing email based on a consumer’s interaction with a specific Site. We may use aggregated and de-identified data, along with other personal information we have about you and your relationship with Samos to determine which advertisements, products/services may be of interest to you, display them to you, monitor responses, and help us measure customer engagement.
Some of our websites may include social media buttons or icons (“plug-ins”) that enable users to easily share information on a social platform. These plug-ins may log certain information such as your IP address, browser type and language, and the web pages you have viewed. If you are logged into a social platform while using our websites, they may also link information collected with your profile on that social platform. Samos does not control these third-party tracking technologies. We encourage you to review the privacy policies on social platforms where you have an account to better understand how they collect and treat such information. Samos is not responsible for the privacy or security practices of the social platforms we use.
Cookies are small files, often containing a unique identifier, that websites store on your browser or device when you visit the website or app in order to remember information about you. Cookies are important to ensure that websites and web services can function properly, they help to personalize and improve your website experience, and can provide information about how you use the website. Those cookies are set by us and are called first party cookies.
We also allow third party cookies – these are cookies set by a domain other than the website or application you are visiting, such as for analytics or advertising purposes.
We may also use web beacons and pixel tags which are small pieces of code placed on a webpage to monitor the behavior and collect data about website visitors (for example, to count the number of visitors to a webpage, to deliver a cookie or to confirm if you have opened an email from us)
Our websites use 3 main groups of cookies:
Our websites use 2 types of cookie durations:
You may set or change your cookie preferences at any time by clicking “Cookie Preferences” in the footer of any page
If you choose to reject or delete cookies, some or all of the functions on our website may not be available to you. If you use multiple devices to access our website you should ensure that the browser on each device is adjusted to suit your cookie preferences.
It is important that your browser is set to accept required cookies otherwise you will not be able to enjoy the website fully and your ability to use certain features and functionalities may be impacted.
Samos does not track its customers or members over time in order to provide targeted advertising or for other purposes. Some browsers offer the capability to activate a “Do Not Track” signal. We do not currently process or respond to “Do Not Track” signals from your browser. We and our third-party service providers may collect personal information about our customers and members' online activities
If you follow a link from our website to a third-party website, please be aware that the owner of the third-party website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their website. When viewing videos on this website they are being viewed through a third-party video player, these video players will place cookies on your device. These cookies are required to play the video on our website and may also be required to support website accessibility for people with disabilities.