Privacy and Cookie Policy

1. Introduction

SecureMyOffer (“SecureMyOffer”, “SMO”, “we”, “us”, or “our”) is committed to protecting the privacy and confidentiality of personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian privacy laws.

This Privacy and Cookie Policy explains how we collect, use, disclose, retain, and safeguard personal information in connection with our website, products, and services.

This Policy applies to personal information collected through securemyoffer.com (the “Website”) and related services relating to individuals located in Canada.

The Website is intended for use by individuals located in Canada excluding the Province of Quebec.

2. Accountability

SecureMyOffer is responsible for personal information under its control.

We have designated a Privacy Officer who is accountable for compliance with this Policy and applicable privacy laws.

All employees, contractors, and service providers who have access to personal information are required to comply with this Policy and applicable confidentiality obligations.

Privacy Officer
SecureMyOffer.com Inc.
Attn: Privacy Officer
1439 Youville Dr, Orléans, ON K1C 4M8
Email: privacy@securemyoffer.com

3. Personal Information We Collect

We collect only the personal information that is reasonably necessary for the purposes described in this Policy.

Personal information may include:

Identity and Contact Information

name
email address
mailing address
phone number

Professional or Eligibility Information

Where relevant, we may collect information used to verify eligibility for services or programs, including professional status or affiliation (for example, verification of REALTOR® membership or similar professional eligibility).

Transaction and Application Information

Information relating to insurance applications or transactions submitted through the Website.

Payment Information

Payment information required to process transactions. Payments are processed through third-party payment providers (currently Stripe). SecureMyOffer does not store full credit card numbers.

Technical and Device Information

Information automatically collected when you use the Website, such as:

IP address
browser type
device type
operating system
referring pages

Usage Information

Information about how users interact with the Website, such as:

pages visited
session duration
interactions with features

Fraud Prevention and Security Information

Information used to detect and prevent fraud, including device signals, authentication data, and security logs.

We do not knowingly collect unnecessary or excessive personal information.

4. Purposes for Collecting Personal Information

We collect, use, and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances.

These purposes include:

assessing eligibility for SecureMyOffer products and services
evaluating and processing insurance applications
issuing, administering, or servicing insurance products
processing payments and preventing fraud
verifying identity and professional eligibility where applicable
communicating with customers and responding to inquiries
complying with legal, regulatory, audit, and reporting obligations
maintaining security and integrity of the Website
improving products, services, and website functionality

We identify these purposes at or before the time personal information is collected.

5. Consent

We obtain consent for the collection, use, and disclosure of personal information except where permitted or required by law.

Consent may be:

Express consent

For example, when you actively submit information through the Website or agree to terms during a transaction.

Implied consent

Where the purpose is obvious and the personal information is less sensitive.

When you submit a form, start a quote or complete a transaction, you consent to us using that information for the purpose stated where you provide it, as described in this Policy. Non-essential cookies are covered separately in sections 17 and 18.

You may withdraw consent at any time, subject to legal or contractual restrictions. Withdrawal of consent may affect our ability to provide certain services.

6. How We Use and Share Personal Information

We use and disclose personal information only for the purposes for which it was collected, unless otherwise permitted or required by law.

We may share personal information with:

Insurance Providers and Underwriting Partners

Where necessary to assess eligibility, issue policies, or administer insurance products.

Website, Analytics and Customer Relationship Providers

Service providers that host our website, receive our forms, help us understand how the Website is used (with your cookie consent), and manage our customer and partner relationships (currently Netlify, Google, Hotjar, Contentsquare and HubSpot). They may process information outside Canada (see section 8).

Payment Processors

Payment transactions are processed through third-party payment providers (currently Stripe).

Service Providers

Companies that provide services on our behalf, including:

cloud hosting providers
technology vendors
analytics providers
fraud-prevention services

Professional Advisors

Legal, accounting, compliance, and audit advisors.

Legal and Regulatory Authorities

Where required by law, court order, or regulatory obligations.

Service providers are required to protect personal information and use it only for authorized purposes.

7. Automated Processing

SecureMyOffer may use automated systems or algorithms to assist with evaluating eligibility for certain services or insurance products.

These systems support application processing and fraud detection but do not replace underwriting decisions made by insurers.

8. Cross-Border Processing

SecureMyOffer may use service providers located in Canada or other jurisdictions.

As a result, personal information may be processed or stored outside Canada and may be subject to the laws of those jurisdictions.

We take reasonable steps to ensure appropriate contractual and security protections are in place.

9. Safeguards

We protect personal information using safeguards appropriate to its sensitivity.

These include:

Administrative safeguards

privacy policies and procedures
employee confidentiality obligations
staff training

Technical safeguards

encryption
secure authentication systems
monitoring and intrusion detection

Physical safeguards

restricted access to systems and facilities

Access to personal information is limited to individuals who require it to perform their duties.

10. Data Retention

Personal information is retained only as long as necessary to fulfill the purposes for which it was collected and to comply with legal, regulatory, and contractual obligations.

When personal information is no longer required, it is securely destroyed or anonymized.

We may retain certain records for longer periods where required by insurance, financial, or regulatory laws.

11. Data Breach Notification

If a breach of security safeguards involving personal information occurs and creates a real risk of significant harm, SecureMyOffer will:

notify affected individuals; and
report the breach to the Office of the Privacy Commissioner of Canada

in accordance with applicable law.

12. Accuracy

We make reasonable efforts to ensure personal information is accurate, complete, and up to date.

Individuals are encouraged to notify us if their information changes or if inaccuracies are identified.

13. Individual Access and Correction

You may request access to your personal information or request correction of inaccuracies by contacting our Privacy Officer.

Subject to legal exceptions:

requests will be answered within a reasonable timeframe; and
access may be provided at minimal or no cost.

We may request verification of identity before granting access.

14. Marketing Communications

With your consent, we may send communications regarding SecureMyOffer services, updates, or information that may be relevant to you.

You may unsubscribe from marketing communications at any time using the instructions provided in the communication.

15. De-Identified and Aggregated Information

We may aggregate or de-identify information so that it can no longer reasonably identify an individual.

Such information may be used for analytics, research, service improvements, or statistical purposes.

16. Children's Privacy

The Website and services are not intended for individuals under the age of majority in their province or territory.

We do not knowingly collect personal information from minors.

17. Cookies and Online Technologies

We use cookies and similar technologies to operate and secure the Website and improve user experience.

Cookies are small text files stored on your device when visiting a website.

We may also use related technologies such as pixels, web beacons, or local storage.

When you first visit, non-essential cookies stay off until you choose “Accept all” in our cookie banner. You can change your choice at any time with “Cookie settings” in the footer of every page.

Categories of Cookies We Use

Strictly Necessary Cookies

Required for the Website to function, including:

secure login and authentication
transaction processing
fraud detection
system security

Without these cookies, the Website may not function properly.

Functional Cookies

Allow the Website to remember preferences or session information to improve usability.

Analytics and Performance Cookies

Collect aggregated information about how the Website is used in order to:

analyze performance
understand usage patterns
improve website functionality

Only if you accept non-essential cookies, we use:

Google Analytics 4 (Google LLC), loaded through Google Tag Manager, to count visits and see which pages and steps people use
Hotjar (Hotjar Ltd.) and Contentsquare (Contentsquare SAS) to see how visitors use our pages, through heatmaps and session recordings. By default, they don’t record what you type into form fields.
HubSpot (HubSpot, Inc.), our customer relationship system, to record page visits and, when you submit a form or contact us, to link those visits to your enquiry. Claim forms are not captured by HubSpot.

Advertising and Measurement Cookies

If you accept non-essential cookies, we use the Meta Pixel (Meta Platforms, Inc.) and, where used, Google Ads measurement to see whether our ads lead to visits and quote requests, and to show our ads to people who have visited the Website. These tools may link your visit with an account you hold with that provider. You can also manage ad preferences at Google Ads Settings, in your Meta ad preferences, and at YourAdChoices.ca.

Your Cookie Choice

We store your cookie choice in your browser's local storage under the key smo-consent, and ask again after 12 months.

Payment and Fraud Prevention Cookies

Third-party payment processors (currently Stripe) may place cookies or similar technologies to:

process payments securely
detect fraudulent activity
comply with payment security requirements

Their use is governed by the privacy practices of the applicable payment provider.

18. Cookie Management and Forms

Use “Cookie settings” in the footer, or the button below, to accept or decline non-essential cookies at any time. You may also manage or disable cookies through your browser settings. Please note:

disabling cookies may affect website functionality
certain security-related cookies may be required for transactions

The Website does not currently respond to “Do Not Track” browser signals.

Website forms and chat

When you use our contact, claim, comments or chat forms, we collect the details you enter, which may include your name, email, phone number, property address, city, province and postal code. We use them to respond to you, prepare a quote or handle your claim. Submissions are stored by our website host and form provider (Netlify, Inc., United States) and may be copied into our customer relationship management system. We keep them for as long as needed to respond and follow up, or longer if they become part of a policy or claim file, as described in section 10.

19. Policy Updates

We may update this Privacy and Cookie Policy from time to time.

The most current version will always be posted on the Website and will apply from the date of posting.

20. Contact and Complaints

If you have questions about this Policy or our privacy practices, please contact our Privacy Officer.