Privacy Statement

The content of this website is to provide general information only on the various services  offered by Phil Edney - Independent Insurance Broker. We make no representations or warranties of any kind with respect to this site or its content. We disclaim all representations and warranties, including but not limited to warranties of merchantability and fitness of insurance or financial products for a particular purpose. In addition, we do not represent or warrant that the information accessible via this Web site is accurate, complete or current.

Trademarks

All other trade-marks appearing on this Web site are the property of their respective owners.

A Declaration of Client Privacy Rights – Putting the Client First

We do not collect personal information from our Web site unless site visitors call our office. As professional brokers we at Phil Edney - Independent Insurance Broker Services Ltd. are committed to holding our client’s personal information in strict confidence, and we shall not disclose any such information unless authorized by our clients, required by law to do so or required to do so in conducting negotiations with underwriters or insurers on behalf of the client. Our Privacy Code builds on this commitment.

1. Phil Edney - Independent Insurance Broker is Accountable

Phil Edney - Independent Insurance Broker Services Ltd. is accountable for all personal information in its possession or custody, including any personal information disclosed to third parties for processing or other administrative functions. Phil Edney has established policies and procedures to comply with this declaration, and has designated a privacy officer to be accountable for compliance.

2. Phil Edney - Independent Insurance Broker will Identify Purposes

Phil Edney will identify the purposes for which it collects personal information, before or when the information is collected.

3. Phil Edney - Independent Insurance Broker will get The Clients Consent

Phil Edney will make a reasonable effort to make sure customers understand how their personal information will be used by the brokerage and insurers. Phil Edney will obtain consent from its customers before or when it collects or uses the personal information.

A customer’s consent can be express, implied, or given through an authorized representative. A customer can withdraw consent at any time, with certain exceptions.

4. Phil Edney - Independent Insurance Broker Limits the Collection of Personal Information

Phil Edney - Independent Insurance Broker Services Ltd. limits the amount and types of personal information it collects. Each broker will collect personal information for the purposes identified to the customer. Phil Edney collects personal information using policies and procedures, which are fair and lawful.

5. Phil Edney - Independent Insurance Broker Services Ltd. Limits the Use, Disclosure and Retention of Personal Information

Phil Edney will use or disclose personal information only for the reasons it was collected, unless a customer gives consent to use or disclose it for another reason, or it is permitted or required by law.

Under certain exceptional circumstances, Phil Edney may have a legal duty or right to disclose personal information without the customer’s knowledge or consent to protect the interests of insurers or the public interest.

Phil Edney will keep personal information only as long as necessary for the identified purposes for which it was collected.

6. Phil Edney - Independent Insurance Broker will keep Personal Information Accurate

Phil Edney will keep personal information as accurate, complete and current as necessary for the identified purposes for which it was collected.

Customers may, in writing, challenge the accuracy and completeness of their personal information and request that it be amended as appropriate.

7. Phil Edney - Independent Insurance Broker Safeguards Client Information

Phil Edney protects personal information with safeguards appropriate to the sensitivity of the information.

8. Phil Edney - Independent Insurance Broker Services Ltd. makes it’s Information Policies Available to it’s Clients

Phil Edney is open about the policies and procedures it uses to manage personal information. Customers have access to information about these policies and procedures. The information will be made available in a manner that is generally easy to understand.

9. Phil Edney - Independent Insurance Broker makes Personal Information Accessible

When customers make a request in writing, Phil Edney will within a reasonable time tell them what personal information it has, what it is being used for, and to whom it has been disclosed.

When customers request it in writing, Phil Edney will give them access to their personal information. Phil Edney will respond to the written request in a timely fashion. In certain situations, however, Phil Edney - Independent Insurance Broker may not be able to give customers access to all their personal information. Phil Edney will explain the reasons for this lack of access and any recourse the customer may have, except where prohibited by law.

10. Phil Edney - Independent Insurance Broker Services is Committed to Addressing Client Complaints and Concerns

Customers may challenge Phil Edney’s compliance with this declaration. Phil Edney - Independent Insurance Broker has policies and procedures to receive, investigate, and respond to customers’ complaints and questions.