Privacy Policy

Privacy Policy 
Effective July 29, 2025

You can rest assured that we’ll protect and respect your personal information and privacy.

Protecting your privacy

CORNERSTONE INSURANCE SERVICES INCORPORATED, a/o/a Swift Digital Insurance, and its member companies shall hereinafter be referred to as “CORNERSTONE INSURANCE”.

This Privacy Policy sets out the principles by which CORNERSTONE INSURANCE and its member companies collect, protect, use and disclose the personal information of our customers and business partners. At CORNERSTONE INSURANCE we strive to ensure that customer and business partner personal information is kept in a safe, secure and confidential manner. 

CORNERSTONE INSURANCE maintains the privacy of your personal information and personal health information in accordance with applicable privacy laws and this notice. In Alberta and British Columbia, CORNERSTONE INSURANCE complies with the requirements of the Personal Information Protection Act (Alberta) and the Personal Information Protection Act (British Columbia), in each jurisdiction respectively, and in Saskatchewan, Ontario and Manitoba, CORNERSTONE INSURANCE complies with the requirements of the Personal Information Protection and Electronic Documents Act (Canada).  Here are the key privacy principles CORNERSTONE INSURANCE follows:

1. CORNERSTONE INSURANCE informs individuals of the purpose for which personal information and/or personal health information is collected, and does not use personal information and/or personal health information for purposes other than for which it was collected.
2. Unless required by law, the knowledge and consent of the individual is required by CORNERSTONE INSURANCE for the collection, use and disclosure of their personal information and/or personal health information.
3. CORNERSTONE INSURANCE collects the least amount of personal information and/or personal health information required to meet its business needs.
4. CORNERSTONE INSURANCE does not disclose personal information and/or personal health information except with the consent of the individual or as required by law.
5. Except as may be limited by law, CORNERSTONE INSURANCE provides individuals with access to their personal information and/or personal health information. Where it is appropriate, CORNERSTONE INSURANCE amends this information to ensure continued accuracy and provides individuals with a means of having their privacy concerns managed.
6. CORNERSTONE INSURANCE safeguards personal information and/or personal health information from unauthorized access, use or disclosure based on the sensitivity of that information.

We protect your personal information by:

• Limiting employee access to your personal information and/or personal health information. Only employees who need to know your information to do their job are allowed to access your personal information and/or personal health information.
• Maintaining physical, electronic and procedural safeguards to keep your personal information and/or personal health information safe and confidential.
• Requiring our employees to sign a Confidentiality and Non-Disclosure Agreement every year to protect and hold your personal information in confidence.
• Most access to CORNERSTONE INSURANCE systems, internally or externally, leaves a footprint. Those transactions monitored leave a trail of the access code of the person using the system and the day, time and what customer information was accessed.
• Restricting access and disclosure to third parties. If we share your information with a third-party service provider, we give them the least amount of information needed to provide the service we require. We restrict their ability to use the information for any other purpose, and we require these individuals to hold your information confidence and keep it safe and secure.
• We will not process or store your personal information outside Canada without ensuring you are fully informed anytime your personal information or personal health information leaves Canada. 

Definitions

Collect – to gather, receive or record personal information and/or personal health information from any source, in any format and by any means.

Disclose – to make personal information and/or personal health information available outside of CORNERSTONE INSURANCE.

Personal information – information about an identifiable individual. This does not include aggregate information that cannot be associated with a specific individual.

Personal health information – information with respect to the physical or mental health of an individual including any health services received.

Third Party– an individual or organization other than the customer, the customer’s agent or CORNERSTONE INSURANCE.

Use– the treatment, handling or management of personal information and/or personal health information by CORNERSTONE INSURANCE.

Information collected

CORNERSTONE INSURANCE collects your personal information and/or personal health information to provide you with insurance services.

As a general statement, the personal information and personal health information we collect is obtained with your explicit consent. However, CORNERSTONE INSURANCE may collect information about you without your explicit consent if you are not a named policy holder but have an interest in or derive a benefit under an insurance policy, plan or contract. In that case the individual obtaining insurance on your behalf has indicated to CORNERSTONE INSURANCE that you consent to the collection of this information.

Depending on the service or product you require, CORNERSTONE INSURANCE may collect and retain the following information, including, but not limited to:

• Contact information for all insured persons including name, address, home and work phone numbers, fax numbers, email address and cellphone number;
• Birth date, age, gender, marital status and family status;
• Your driver’s licence information and the driver’s licence information of every person who operates the vehicles you are insuring including driver’s licence number, driving record including collisions, licence suspensions, convictions, traffic violations, the class of licence held, restriction on the driver’s licence, and safe driver or business rating information;
• Vehicle information;
• Personal health information;
• Financial information including banking information, credit card information, payment history, and credit rating;
• Property information (i.e. property values, mortgage or leasing information, etc.);
• Prior claim history and any information needed to adjust those prior claims (i.e. witness statements, damage estimates, claim file investigations, etc.);
• Information about you or the property you are insuring from underwriting tracking systems and other insurance companies;
• Commercial driving records and logs required to be completed by law, inspection outcomes relating to Carrier Audits for the National Safety Code Certificates, driver and vehicle list, claim history, safety violations, etc.
• Any information needed to adjust an insurance claim (e.g. blood alcohol readings, collision reports from law enforcement, witness statements, damage estimates, claim file investigations, property valuations, etc.); and
• Information about your transactions with us and products and services you use.

Children’s Privacy 

Our services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

IP addresses

If you visit our websites, we collect your IP addresses.  If you communicate with us electronically, our sites collect aggregated site-visitation statistics using cookies (small text files containing a unique identification number that identifies your browser to our computer). See our terms of use for more information on the use IP addresses.

Cookies

Cookies tell us which pages were visited, by how many people, the average time spent on a page and other useful information relating to our website to help us enhance our customer experience.  See our terms of use for more information on the use of website cookies.

Links to Other Sites

If you visit our websites and click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the privacy policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Telephone calls and other communications

We record telephone calls and other communications. We will inform you if the communication is being recorded. Calls and other communications are recorded to ensure quality customer service, confirm our discussions and your instructions, resolve complaints, and train our staff. If you do not want your communications recorded, you can do business with us by visiting one of our offices in person, or by writing to us.

We may use your personal information to inform you of current and/or new products or services or other developments that we or our partners believe will be of interest to you in accordance with applicable laws including Canada’s Anti-Spam Legislation. Such communications may be made by way of telephone, text message, direct messaging, e-mail, fax or regular mail. Individuals provide their consent to CORNERSTONE INSURANCE and its affiliates and partners contacting them in this manner when they use CORNERSTONE INSURANCE’S products or services. You may opt-out of receiving such communications by contacting us at the address in this Privacy Policy below. 

How CORNERSTONE INSURANCE uses your information

Personal information is shared between various departments within CORNERSTONE INSURANCE, and with our business partners (i.e. brokers, licence issuers, lawyers, process servers, medical or financial consultants, and other technical experts) for business purposes.

Below are the business reasons for sharing your personal information within CORNERSTONE INSURANCE:

• To verify your identity;
• To confirm your application information and understand and assess your insurance needs;
• To underwrite insurance risks on a prudent basis;
• To provide you the insurance coverage and benefits you are entitled to;
• To respond to inquiries, questions and concerns and to communicate with our customers;
• To detect, investigate and prevent fraud;
• To conduct litigation that arises out of our business including collecting a debt or enforcing an obligation owed to us by you;
• To conduct business audits;
• To meet legal and regulatory requirements;
• To conduct surveys and internal business analysis, gather broad demographic information, compile statistics and develop products and services;
• To respond to your requests for access to information, privacy concerns or requests for corrections to your personal information;
• To comply with the law;
• To notify you of other products and services to meet your needs;
• To conduct public education and loss prevention campaigns regarding insurance concerns; and
• To improve business processes and business systems through secured data testing.

Use of Artificial Intelligence Tools

CORNERSTONE INSURANCE may use AI tools to collect and process certain information you provide for the purpose of facilitating our services. These AI tools are subject to human oversight and do not replace human judgment in final decision-making.

Artificial Intelligence tools cannot replace a licensed professional and any information provided to users by an Artificial Intelligence tool should not be relied on without consulting a professional.

Automated Voice Technology

As part of our commitment to improving service delivery and customer support, CORNERSTONE INSURANCE has implemented AI-powered receptionist and voice technology.  The AI receptionist that may collect preliminary personal information (such as name, contact information, and inquiry details) through automated voice systems. This information helps us:

• Route your call efficiently
• Respond faster to inquiries
• Provide support 24/7

AI voice systems are not used to make legally significant decisions without human oversight.

Disclosing your information

When you submit an application for insurance through your broker or apply for insurance online, you are applying for insurance with all member companies with CORNERSTONE INSURANCE. The consent you provide allows your broker to disclose your information to us, and provides CORNERSTONE INSURANCE with permission to disclose your information to:

• Your broker or agent;
• All member companies of CORNERSTONE INSURANCE;
• Insurance tracking or reporting agencies used by CORNERSTONE INSURANCE;
• Service providers who deliver a service or program on our behalf (i.e. independent adjusters, lawyers, accountants, medical experts, etc); and
• To obtain a credit score for rating purposes.

When you make changes to your policy or when your policy automatically renews, you are agreeing that any consent you have previously provided to us relative to your policy remains in effect unless the consent is otherwise explicitly withdrawn.

Retention and destruction of information

Information will be retained and destroyed in a secure and confidential manner in accordance with CORNERSTONE INSURANCE’s data retention schedule.

CORNERSTONE INSURANCE retains personal information only as long as is reasonable to fulfill the purposes for which the information was collected, or for legal or business purposes.

Availability and Use of Mobile App 

Our mobile app is designed to provide users with convenient access to our services. By downloading and using our app, you consent to the collection and use of your personal information as outlined in this Privacy Policy We are committed to protecting your privacy and ensuring the security of your data. Please note that while we strive to maintain the app’s availability and functionality, we cannot guarantee uninterrupted access due to factors beyond our control, such as technical issues or maintenance requirements.

Availability and Use of Client Portal: 

Our client portal is designed to provide users with convenient access to our services. By accessing and using our client portal, you consent to the collection and use of your personal information as outlined in this Privacy Policy. We are committed to protecting your privacy and ensuring the security of your data. Please note that while we strive to maintain the portal’s availability and functionality, we cannot guarantee uninterrupted access due to factors beyond our control, such as technical issues or maintenance requirements.

Your rights

Withdrawing your consent

Subject to certain legal and contractual restrictions and reasonable notice, at any time during or prior to receiving a service from us, you may refuse to provide information to CORNERSTONE INSURANCE or withdraw your consent for CORNERSTONE INSURANCE to collect, use or disclose your personal information and/or personal health information. You may also opt out of certain communications we may send you regarding other products and services. CORNERSTONE INSURANCE will seek to continue to provide you services, but any withdrawal of consent may affect our ability to respond to your insurance needs.

Accessing your information

Subject to exclusions and exceptions in applicable privacy laws, you have a right to obtain a copy of the personal information and/or personal health information CORNERSTONE INSURANCE collects about you. You may also request amendments to any information on your file that is incorrect. To ensure we have accurate information, please notify us when there are changes to your personal information.

Contact information

If you want to:

• Access your personal information and/or personal health information or make a request to have your information corrected;
• Change your consent with respect to how we collect, use or disclose your personal information;
  Note: CORNERSTONE INSURANCE cannot refuse to disclose your information if we are required by law to provide this information to another third party.
• File a complaint about our privacy policies or the manner in which we’ve handled your personal information; or
• Inquire about any other privacy questions or concerns.

Please contact:

CORNERSTONE INSURANCE
Jennifer Durand
900 1st Ave E
Prince Albert, SK  S6V 6P2
306-763-8635
jennifer@csinsure.ca 

If you believe your privacy rights have been violated

First, contact CORNERSTONE INSURANCE’s Privacy Department. An officer will review your concerns and try to resolve them. If you are not satisfied with the outcome of an inquiry or complaint, you may address your concerns to:

Office of the Information and Privacy Commissioner for Saskatchewan
#503 – 1801 Hamilton St.
Regina, SK   S4P 4B4
306-787-8350
1-877-748-2298 (toll free in Saskatchewan)
306-798-1603 (fax)
www.oipc.sk.ca

The foregoing policy is effective as of July 29, 2025.  CORNERSTONE INSURANCE reserves the right to change this Privacy Policy at any time in accordance with applicable laws – please check our website for updates to this Privacy Policy.