What about Privacy?
We are committed to protecting your privacy, and do our utmost to ensure that the Personal Information (as defined below) of our customers is safeguarded properly.
The Wingman and App enable us to determine your eligibility for the Program discounts and rewards.
We will only use and disclose your Personal Information in accordance with the Program, unless otherwise required by law (i.e., subpoena, police investigation, etc.), and will not disclose the Collected Data (as defined below) to third parties, except to our authorized agents/employees, and Carrot as required for the purpose of providing you with continuous service.
What Personal Information is collected or shared?
Personal Information means your name, mailing address, email address, policy number (when applicable), and also includes Collected Data.
What is the Collected Data?
Collected Data includes data that is collected by or that is derived from information gathered by the Wingman and/or the App, including information on the vehicle’s usage, and represents driving data based on the collective usage of the enrolled vehicle.
Collected Data means: vehicle location (GPS), odometer reading, average speed, average acceleration, distance travelled, elapsed time of travel, ignition on/off events, accelerometer data (acceleration, deceleration, cornering events), connection and disconnection status, start and end date of travel, start and end time of travel, VIN, and mileage.
Who sees my Personal Information?
Your name, mailing address, email address, VIN, and policy number are shared with Carrot who uses this information to ship the Wingman to you (where applicable), verify that it is installed in the correct vehicle and working effectively with the App, and send you email updates and reminders. The Wingman or your vehicles Bluetooth in conjunction with the App transmits the data gathered from your vehicle via the cellular connections chip to Carrot, who then sends the data to us.
As the participant in the program, you will have access to a portal that will show you aspects of the Collected Data to give you feedback from the App on how an enrolled vehicle was driven, and show you the rewards you may be eligible for (if any). Trip information is updated at the end of each vehicle trip. You can access the website here. The same information that is available on your website is also viewable by authorized agents/employees and Carrot to enable them to assist you with any questions that you might have.
Our authorized agents/employees and Carrot will have access to your Personal Information only to the extent that the information is required to enable them and us to fulfill our respective duties in accordance with these Terms. Your insurer and the vendor fulfilling prizes will not have access to your detailed trip/driving information, only your score for the purpose of issuing rewards when applicable.
Who else should give their consent?
By accepting these Terms, it is your responsibility to inform any other drivers who operate the enrolled vehicle about the Program, and undertake to obtain their consent to these Terms.
The Wingman or Bluetooth enabled vehicle and the App gather driving data based on the collective usage of the enrolled vehicle, and does not identify individual drivers, or isolate or categorize the driving data based on individual drivers.
How is the Collected Data used?
The New Driver Data will be used by us to determine your eligibility for rewards, which will be calculated and paid out on a quarterly basis.
We may analyze the Collected Data to update the information currently on file with us, and your advisor may contact you to discuss your policy further.
The Collected Data will not be factored into your rating criteria or used to:
- Cancel your policy;
- Refuse to renew your policy;
- Increase your premium;
- Confirm rating criteria (e.g., where vehicle is principally garaged, distance driven, pleasure/commute/business use); or
- Process or deny claims.
There are variables other than the data collected that may impact your policy pursuant to the insurers underwriting rules including, but not limited to, accidents and traffic violations. Please refer to your policy or speak to your InsureMy advisor for more information.
Where is my Personal Information stored?
In order to provide you with the Program, we share your Personal Information with Carrot for data collection and shipment processing. We are committed to protecting your privacy and take our obligation to ensure the confidentiality and security of your information seriously. We require Carrot to protect your Personal Information in a manner that is consistent with our own privacy policies and security practices, which comply with Canadian privacy laws. We may store your Personal Information in Canada and with Carrot in the United Kingdom. In the event that your Personal Information is transferred to a foreign jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and national security authorities in accordance with those laws.
Who do I contact if I have questions about my privacy?
If you have any questions about your privacy or would like more information, please contact our Privacy Office at:
Attn: Privacy Officer
Suite 150, 1300 - 8th street SW
Calgary, AB, T2R 1B2
EXCEPT AS PROVIDED BELOW, ALL TERMS, LIMITS, CONDITIONS, EXCLUSIONS, DEFINITIONS AND PROVISIONS OF YOUR POLICY SHALL CONTINUE TO APPLY AND HAVE FULL FORCE AND EFFECT.
The New Driver Program, does not add, limit, or remove coverage to a potential auto policy.