Legal
Privacy Policy
Last updated: January 2026
Introduction
Summit Commercial Solutions Inc. ("Summit," "we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.
As a licensed insurance brokerage operating across Canada, we understand the sensitive nature of the information you entrust to us. We are committed to maintaining your trust through responsible information management practices.
Accountability
Summit has designated a Privacy Officer who is accountable for our compliance with this policy and Canadian privacy legislation. Questions, concerns, or complaints regarding our privacy practices should be directed to:
Privacy Officer
Summit Commercial Solutions Inc.
Email: privacy@summitcover.ca
Personal Information We Collect
In the course of providing insurance brokerage services, we collect personal information necessary to assess your insurance needs, obtain quotes, bind coverage, and service your policies. This includes:
Contact and Identification Information
- Name, address, phone number, and email address
- Business name, structure, and registration details
- Names and contact information of directors, officers, and key personnel
Business and Financial Information
- Industry classification, operations, and business activities
- Revenue, payroll, and number of employees
- Property details, equipment, and vehicle schedules
- Financial statements when required for underwriting
- Banking information for premium payment processing
Insurance and Risk Information
- Current and historical insurance coverage details
- Claims history and loss experience
- Risk management practices and safety programs
- Professional credentials and certifications
- Driving records for commercial auto coverage
Digital and Technical Information
- IP address, browser type, and device information
- Website usage data and interaction with our digital platforms
- Communications via email, phone, chat, or our client portal
Purposes for Collection, Use, and Disclosure
We collect and use your personal information for the following purposes:
Insurance Brokerage Services
- Assessing your insurance needs and providing advice
- Obtaining quotes from insurance carriers on your behalf
- Binding, renewing, and endorsing insurance policies
- Processing claims and advocating on your behalf with insurers
- Issuing certificates of insurance to third parties you designate
- Managing policy documentation and correspondence
Client Relationship Management
- Communicating about your policies, renewals, and coverage changes
- Providing risk management guidance and loss prevention resources
- Responding to your inquiries and service requests
- Sending policy reminders, renewal notices, and important updates
Business Operations
- Processing premium payments and maintaining billing records
- Improving our services and developing new products
- Training staff and quality assurance monitoring
- Maintaining internal records and business analytics
Legal and Regulatory Compliance
- Complying with insurance regulatory requirements (RIBO, provincial regulators)
- Responding to legal processes, investigations, or audits
- Detecting and preventing fraud
- Meeting record retention obligations
Consent
We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law. When you engage our services or submit information through our website, you consent to the collection and use of your information as described in this policy.
You may withdraw your consent at any time, subject to legal or contractual restrictions. However, withdrawing consent may limit our ability to provide insurance services to you. We will explain the implications of withdrawing consent when you make such a request.
Disclosure to Third Parties
We disclose your personal information to the following categories of third parties as necessary to provide our services:
Insurance Carriers and Underwriters
We share information with insurance companies to obtain quotes, bind coverage, and process claims on your behalf. Insurers have their own privacy policies governing their use of your information.
Premium Finance Companies
If you choose to finance your premiums, we share necessary information with premium finance providers to facilitate financing arrangements.
Service Providers
We engage service providers who assist with technology, data storage, payment processing, and other operational functions. These providers are contractually bound to protect your information and use it only for the services they provide to us.
Regulatory Bodies
We may disclose information to insurance regulators, law enforcement, or other governmental authorities as required by law or in response to legal processes.
Data Security
We implement appropriate technical, administrative, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. Our security measures include:
- Encryption of data in transit and at rest
- Secure access controls and authentication protocols
- Regular security assessments and vulnerability testing
- Employee training on privacy and data security
- Incident response procedures for potential breaches
- Physical security measures for our offices and equipment
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, provide our services, and comply with legal and regulatory requirements. Insurance records are typically retained for a minimum of seven years following the expiration or cancellation of a policy, in accordance with insurance regulatory requirements.
Your Privacy Rights
Under Canadian privacy law, you have the following rights regarding your personal information:
- Access: You may request access to the personal information we hold about you
- Correction: You may request correction of inaccurate or incomplete information
- Withdrawal of Consent: You may withdraw consent to certain uses of your information
- Complaint: You may file a complaint with us or with the Office of the Privacy Commissioner of Canada
To exercise these rights, contact our Privacy Officer. We will respond to your request within 30 days. We may charge a reasonable fee for access requests that require significant effort to fulfill.
Cross-Border Data Transfers
Some of our service providers may store or process data outside of Canada. When personal information is transferred outside Canada, it may be subject to the laws of the jurisdiction in which it is held. We take steps to ensure that service providers outside Canada provide a comparable level of protection for your information.
Cookies and Website Analytics
Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and understand how visitors interact with our site. You can control cookie preferences through your browser settings. Disabling cookies may limit some website functionality.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our website with a revised "Last updated" date. We encourage you to review this policy periodically.
Contact Us
If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact:
Privacy Officer
Summit Commercial Solutions Inc.
Email: privacy@summitcover.ca
If you are not satisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.