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  We are committed to providing our clients with excellent service. Doing business with Adam B. Young Insurance (2014) Ltd involves providing information about yourself, so protection of your personal information is one of our highest priorities.

  Our brokerage respects your right to privacy and the safekeeping of your personal information. As a result of federal legislation, we've further strengthened our privacy commitment by informing you of why and how we collet, use and disclose your personal information. You can be assured that we'll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.

  Why do we collect personal information? When you first become a client or whenever you acquire or renew product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:
    - Enable us to acquire or renew an insurance policy for you
    - Assist you and assess your ongoing insurance needs
    - Assess your need for other products and to offer them to you
    - Ensure your information is accurate and up to date
    - Detect and prevent fraud, unauthorized or illegal activities

  What information do we collect: Personal information is information that identifies you as an individual client and relates specifically to you. We may ask for the following personal information about you including:
    - Basic information such as your name, address, telephone and fax numbers, e-mail address, birthdate and marital status
    - Claims history
    - Credit and past payment records
    - Driver's record
    - Details about your property such as value and its contents
    - Medical information such as any condition that may affect the operation of a vehicle
    - Employment information

  We may obtain this information from:
    - You
    - Insurance companies
    - Other insurance brokers or agents
    - Credit organizations
    - Motor vehicle and driver licensing authorities
    - Financial institutions
   - Medical professionals

  Who do we disclose your personal information to? For many purposes identified above, we will need to share your information with others in order to serve your needs. These other parties commonly include:
    - Insurance companies
    - Other insurance brokers and agents
    - Credit organizations
    - Professionals working with us such as adjusters and lawyers
    - Financial institutions

  How do we protect your information? In order to protect your information and right to privacy, we will:
    - Not collect, use or disclose your personal information for any purpose other than those that we identify to you
    - Keep your information only for as long as we need it to fulfill the stated purpose or required by law
    - Maintain your information in as accurate, complete and up-to-date form as possible
    - Safeguard your personal information to the best of our ability
    - Respond to any request you may make to access or correct the information we hold about you
    - Obtain the appropriate consent from you for the collection, use or disclosure of your personal information Consent:

   We may obtain your express consent or we may determine that consent is implied by the circumstance
    - We may ask for your express consent in writing
    - We may ask for your express consent in person or over the phone
    - We may determine that by seeking products from our company, your consent has been implied for us to deal with your personal information in a reasonable manner.

  You can refuse to allow us to obtain, use or share your personal information or you could withdraw a previously given consent at any time. However by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.

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