Privacy Policy

Last updated: November 5, 2026

This Privacy Policy explains how we collect, use and disclose your information when you use our website, and how the law protects you.

We use your personal data to respond to your quote requests, help you get insured and improve our website. By using our website, you agree to the collection and use of information as described in this Privacy Policy.

1. Interpretation and definitions

In this Privacy Policy:

Company

("we", "us" or "our") means Coveru Insurance Services Inc., 250 Consumers Rd, Suite 610, North York, Ontario M2J 4V6.

Cookies

are small files a website places on your computer, phone or other device, which store details about your use of that website.

Country

means Ontario, Canada.

Device

means any device that can access the website, such as a computer, phone or tablet.

Personal Data

means any information about an identified or identifiable individual.

Service Provider

means any company or person that processes data on our behalf, for example to host our website, store our contacts or measure our advertising.

Usage Data

means data collected automatically when you use the website, such as how long you spend on a page.

Website

means getcoveru.ca.

You

means the person using the website, or the company or other organization on whose behalf that person is using it.

2. Data we collect (excluding insurance applications)

Personal data

When you request a quote or contact us, we may ask for information that can identify or contact you, including:

• first and last name
• phone number
• email address
• the plan you're interested in and who you want to cover
• the age of the oldest person to be covered
• your province and the best time to call you

We don't ask for health information on this website.

Usage data

Usage Data is collected automatically when you use the website. It may include your device's IP address, browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, the plans you look at, buttons you tap (such as Call or WhatsApp), the ad or link that brought you to our site, and other diagnostic data. If you visit from a phone or tablet, we may also collect the type of device, its operating system and the type of mobile browser you use.

3. Data we collect if you apply for insurance

If you decide to apply for insurance with one of our advisors, by phone, video or in person, we'll collect the information needed to process your application. This includes, but isn't limited to, personal contact information, date of birth, medical and lifestyle information, beneficiary details and banking information for premium payments.

This information is shared with insurance companies, and with medical or testing companies where the insurer requires it, only as needed to process and administer your application and policy. It's collected under the consent forms in the insurer's application.

4. Cookies and tracking technologies

We use cookies and similar technologies (such as pixels and browser storage) to make our website work and to understand how people use it and find it. You can set your browser to refuse cookies or to tell you when a cookie is being sent. Our website will still work if you do.

5. How we use your personal data

We may use your personal data to:

• Respond to your quote request: contact you by phone, text, email or WhatsApp about the coverage you asked about.
• Provide our services: prepare quotes, recommend coverage, help you apply, and service your policy after it's issued.
• Send you information: news, offers and information about plans similar to those you asked about or bought, unless you've opted out.
• Manage your requests: answer your questions and handle your requests to us.
• Improve our website and advertising: analyze usage, identify trends and measure how well our ads and campaigns work.
• Meet legal obligations: keep the records required by law and insurance regulators, and prevent fraud.
• Business transfers: evaluate or carry out a merger, sale or other transfer of some or all of our business.

6. How we share your personal data

We never sell your personal information. We may share it:

• With our licensed advisors, so the right person can contact and help you.
• With insurance companies you choose to apply with, to assess your application and issue and administer your policy.
• With Service Providers that help us run our website, store our contacts, communicate with you and measure our advertising (see Services we use).
• For business transfers, in connection with a merger, sale of company assets, financing or acquisition of all or part of our business.
• With your consent, for any other purpose you agree to.

7. Retention of your personal data

We keep your personal data only as long as needed for the purposes in this Privacy Policy, and as long as needed to meet our legal and regulatory obligations, resolve disputes and enforce our agreements. If you request a quote but don't become a client, we generally keep your information for up to 2 years after our last contact. Client records are kept for as long as your policy is in force and for the period afterwards that insurance regulations require. Usage Data is generally kept for a shorter time, under our providers' standard settings.

8. Disclosure of your personal data

Business transactions

If we're involved in a merger, acquisition or sale of assets, your personal data may be transferred. We'll give notice before it's transferred and becomes subject to a different privacy policy.

Law enforcement

We may be required to disclose your personal data by law or in response to valid requests from public authorities, such as a court, regulator or government agency.

Other legal requirements

We may disclose your personal data if we believe in good faith that it's necessary to:

• comply with a legal or regulatory obligation
• protect and defend our rights or property
• prevent or investigate possible wrongdoing or fraud
• protect the personal safety of our clients or the public
• protect against legal liability

9. Security of your personal data

We protect your personal data with safeguards suited to how sensitive it is, including encrypted connections on our website, password-protected systems with access limited to people who need it, and confidentiality obligations for our advisors and providers. No method of transmission over the internet or electronic storage is 100% secure, so while we use commercially reasonable means to protect your data, we can't guarantee its absolute security.

10. Services we use

Our Service Providers may have access to your personal data. They collect, store, use and process it on our behalf under their own privacy policies and their agreements with us.

11. Storage outside Canada

Some of our Service Providers store or process information outside Canada, mainly in the United States. While your information is there, it's subject to the laws of that country, and authorities there may be able to access it under those laws.

12. Children's privacy

Our website is meant for adults. We don't knowingly collect personal data directly from anyone under 18. Information about children, for example on a family plan, is provided by a parent or guardian on the child's behalf. If you're a parent or guardian and believe your child has given us personal data, please contact us and we'll remove it.

13. Links to other websites

Our website contains links to websites and apps we don't operate, such as WhatsApp. If you click a third-party link, you'll be taken to that site. We recommend reviewing the privacy policy of every site you visit. We have no control over, and take no responsibility for, the content, privacy policies or practices of third-party sites or services.

14. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We'll post the new version on this page and update the "Last updated" date at the top. For significant changes, we'll also let you know by email or a prominent notice on our website before the change takes effect. We recommend reviewing this page from time to time. Changes take effect when they're posted here.

15. Contact us

If you have any questions about this Privacy Policy, you can contact us: