Privacy Policy

Welcome to CibiThomas.com (the “Site”), operated by Cibi Thomas & Team (“we”, “us”, or “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy policy, or our practices with regard to your personal information, please contact us at info@cibithomas.com.

When you visit our Site and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy policy, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Site and our services.

1. What Information Do We Collect?

We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about us or our products and services, when participating in activities on the Site, or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the Site, the choices you make, and the products and features you use. The personal information we collect may include the following:

• Identity information, such as your name, address, email address, telephone number, date of birth, government identification such as passport number, driver license, social insurance number or citizenship.
• Financial information, such as your income and banking information, and which may also include payment information.
• Health related information, such as health and medical information or information about your lifestyle and habits.

2. How Do We Use Your Information?

The primary purpose we collect your personal information is so that we may offer and deliver the products and services that you request and that are suited to your needs. We use your personal information to:

1. Assess your initial and continued eligibility for our products and services
2. Market and administer our products and services
3. Administer, manage and communicate with you about your and our products and services
4. Investigate and pay claims and to process transactions
5. Respond to your inquiries, customer support requests or complaints
6. Identify and mitigate potential losses to you, for example to verify your identity, to detect, prevent, or investigate fraud or security breaches, and to suppress financial abuse
7. Hold and inform you of fraternal and community events and activities and operate our branch system
8. Manage our risks and operations, to help us operate and improve our business, to assess, develop and offer other products, processes and services, as well as to minimize any disruption to our business.
9. Conduct business analysis, research and data analytics, including actuarial studies, and conduct or participate in industry or market research.
10. Support and optimize the user experience on our websites and to develop and improve our products and services
11. Fulfill our regulatory legal, financial and other regulatory reporting and audit obligations, as well as to exercise and protect our legal interests.
12. As otherwise required or permitted by law.

  We do not sell personal information.

3. Will Your Information Be Shared With Anyone?

In addition to the purposes identified above, we may also use and disclose your personal information as otherwise permitted or required by law, such as but not limited to:

1. With other third parties, including third party service providers, for them to improve their products offerings, as well as their business development, for example, to build performance, customer demographic and behavioral insights. This could also include benchmarking and market forecasting studies, or improving our data analytics capabilities or risk assessments methodologies.
2.  To comply with applicable legislation or regulation, or to respond to a subpoena, a court order, or to valid information requests from regulatory authorities
3. To third parties, to help us prevent and detect fraud and suppress financial abuse, as permitted by law
4. All in the team are required to maintain the confidentiality of your personal information, and unauthorized disclosure or access is prohibited.
5. With independent agents or insurance brokers offering, advising you on, or servicing you with products or services.

4. How Do We Keep Your Information Safe?

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.

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. We have procedures in place to help us deal with suspected or actual privacy incidents or breaches, and we will notify you and any applicable regulator where legally required to do so.

For written information about our policies and practices regarding service providers outside of Canada, contact us using at the contact information in the “Contact Us” section below.

5. What Are Your Privacy Rights?

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, disclosure, and retention or 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.

We may need to request specific information from you to help us verify and confirm your identity and validate your right of access to the relevant personal information, or to exercise any of your other rights. We may also contact you to ask you for further information in relation to your request to properly fulfil our obligations. As permitted by law, we may request an extension period depending on the request made.

(For Quebec only): You have the right to request cessation of dissemination, de-indexation or re-indexation of your personal information. In certain cases, permitted by law, this will allow you to ask us to stop disseminating your personal information or to have a hyperlink attached to your name   or access to your personal information de-indexed or re-indexed.

6. Do We Make Updates to This Policy?

We may update this privacy policy from time to time. The updated version will be indicated by an updated “Last Updated” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

7. How Can You Contact Us About This Policy?

If you have questions or comments about this policy, you may email us at info@cibithomas.com or by phone :

6479393863