Privacy Policy

Protecting Your Privacy

C&C is committed to protecting the privacy and confidentiality of the personal information you entrust to our care. We assure you that your personal information is handled according to our Privacy Policy for the collection, use and disclosure of your personal information, which must be followed by everyone in our organization, including our subsidiaries and affiliated companies, and by any third party service providers or authorized representatives we contract with.

To provide you with the highest quality insurance products and service available, it is necessary for us to collect and use personal information you supply to us. In our industry, such information is essential to conducting business with you. We will not gather information indiscriminately.


1) WHY WE COLLECT, USE AND RETAIN YOUR PERSONAL INFORMATION?

When you request or obtain any product or service from C&C, we need certain personal information.

This information is used to evaluate insurance risk, to determine eligibility, to administer insurance or financial products, or to adjudicate or manage claims. Anonymous data is sometimes used to prepare reports and statistics, for the purpose of providing the best products and service for the best value, to manage our business, and to monitor the changing needs of our customers.


2) WE WILL ONLY OBTAIN THE INFORMATION WE NEED...

We will only collect information that is pertinent and necessary to the effective conduct of our business.


3) HOW WE COLLECT YOUR PERSONAL INFORMATION?

Whenever practical, your information will be collected directly from you. In most cases however, we are provided with your information by the University or College.

We also collect information about you through our authorized representatives or third party service providers. Other sources of information may include other insurers or financial institutions, government and governmental agencies, your employer, or your plan administrator. We will in some cases ask an independent source to verify and supplement personal information.

Where health information about you is required, we may collect such information directly from you, or from sources such as your doctor, health care professional or hospital, but only with your consent.


4) YOUR CONSENT IS NEEDED

Your express consent may be provided in writing, verbally, or electronically. When you request, obtain, or use any of our financial or insurance products or services, the transfer of information necessary to meet your needs may also be by your implied consent.

We will endeavor to ensure you understand why we need the information and how it will be used.


5) WE WILL LIMIT THE USE AND DISCLOSURE OF YOUR PERSONAL INFORMATION

We will limit the use and disclosure of your personal information within our organization and with our subsidiaries, affiliated companies and your insurers. From time to time we may find it necessary to share some of your information with our authorized representatives or third party service providers, in order to provide you with the product or services you need.

The use and disclosure of your personal information shall be done only to the extent necessary to perform our duties, to provide you with high quality service and information designed to meet your on-going insurance and financial needs, or where such use and disclosure is required by our contractual obligations and/or required or allowed by law.


6) WE WILL LIMIT THE LENGTH OF TIME WE RETAIN YOUR PERSONAL INFORMATION...

The length of time we retain your personal information may vary depending on the product or service that we provide to you and the nature of the information. We will only keep your personal information on our records so long as it is needed for its identified purposes, or as required by law.


7) WE ARE COMMITTED TO ACCURACY

We will keep you personal information as accurate, complete and up to date as necessary. You have a right to challenge the accuracy and completeness of the information we hold about you, and if it is inaccurate or incomplete, we will make the necessary correction or amendment. If there is a disagreement or a discrepancy with regard to an issue of accuracy, this will be noted on your file.


8) WE WILL PROTECT YOUR PERSONAL INFORMATION

We have developed and continue to enhance security measures and procedures designed to protect your personal information from unwarranted intrusion, theft, accidental release, loss, or unauthorized disclosure, use, copying, or modification.

When we destroy your personal information, we will use appropriate safeguards.


9) YOUR RIGHT TO ACCESS

With satisfactory verification of your identity, we will provide you with the information you request. If your request is made through a third party, we will need satisfactory proof of your consent and authorization to release information to that party, and we will ensure their entitlement to such information.

There are certain legal exceptions to your right of access. Should your request fall into such a category, we will inform you of the reason for not providing access and any recourse you may have. Generally, we will provide access to medical information only through the appropriate health care professional.


10) IF YOU HAVE CONCERNS

You may withdraw your consent, but doing so may prevent us from being able to provide you with your requested product or service. If you have any questions or concerns about the use or security of your personal information, please contact us at:
C&C Insurance Consultants Ltd.
6-22425 Jeffries Road
Komoka, ON N0L 1R0

Local: 519-657-1446
Our Compliments: 1-888-918-5056


11) INCIDENT RESPONSE POLICY

If you would like to view our Incident Response Policy, please Click Here to view the document.


Terms of Services

Please note that the information on this website is intended as a general explanation of the Benefits available to you through the Student Health and/or Dental Plan. The material presented does not constitute a legal contract. For complete Terms and Conditions please contact the Health Plan Administrator.


INFORMATION AND ACCURACY

We have made every attempt to make sure that the information is complete and accurate when placing it on the website. However this information is always subject to change and may be updated at anytime. The information is not intended for legal and/or insurance advice and as such C&C Insurance Consultants shall not be held responsible for any detrimental reliance you place on this site or its contents. Please note that use of this site and the reliance on this information shall be entirely at your own risk.


PRIVACY AND SECURITY

We have made every effort possible to ensure the security and confidentiality of your information. However, given the nature of the internet, we cannot guarantee completely the privacy and confidentiality of any information you place on this site. C&C Insurance Consultants shall not be responsible or liable for any harm or loss resulting from your transmission of any information to us.


LINKS AND HYPERTEXT

There are several areas on this website in which links and hypertext have been used. The sites in question can also be accessed directly on the World Wide Web. The inclusion on this website shall not in any way be construed as a reflection on or an endorsement of any entity, or its respective products or services.

The material presented on this site is the property of C&C Insurance Consultants and its Student VIP International Partners. Under no circumstances is permission granted to any entity to copy, retransmit or redistribute, reproduce or republish any portion of this site without the expressed written consent of C&C Insurance Consultants.


Website Security

System Capabilities

We utilize secure socket layer technology (SSL encryption) for our online services and can securely receive and transmit files/data without clients on our web portal. Transmission of sensitive information (such as sign-in credentials) is encrypted using SSL, and is monitored and secured by our IT specialists.

We have an internal file server that is only accessible by our staff and IT specialists, as well as our secure web portal that requires a login and password. We also store information in our SQL (Structured Query Language) server database, which is the backend storage used by our web portal. SQL is used to communicate with a database. According to ANSI (American National Standards Institute), it is the standard language for relational database management systems. The database is only accessible through the web portal (i.e. no direct access is granted except to our IT specialists).

Our web portal information is stored in our Microsoft SQL server. We also have our own internal secure file server.