1. Who We Are
HighRiskPolicy.ca is owned and operated by The 1057 Group Inc., an Ontario insurance brokerage business located at 1057 Oxford St W, London, ON N6H 1V6. In this policy, we, us, and our mean The 1057 Group Inc.
We provide information about high-risk auto insurance and may connect users with licensed brokers employed by or acting for The 1057 Group Inc.
2. Information We Collect
Depending on how you interact with us, we may collect the following categories of personal information:
- Contact details such as your name, phone number, email address, mailing address, and postal code.
- Insurance and quote information such as your coverage needs, policy status, driving-history information you choose to share, and other details relevant to obtaining a quote.
- Communications and service records such as messages, call notes, submitted forms, and records of requests or complaints.
- Technical information such as IP address, browser type, device information, pages viewed, and approximate location information derived from network data.
3. How We Collect Information
We collect information directly from you when you submit a quote request, call us, email us, or otherwise communicate with us. We may also collect information automatically through normal website operation, server logs, security tools, and similar technologies described in our Cookies Policy.
Where appropriate for quoting or servicing insurance, we may also receive information from insurers, underwriters, adjusters, service providers, or other parties you authorize us to deal with on your behalf.
4. How We Use Personal Information
We may use personal information to:
- respond to quote requests and provide brokerage, underwriting, or customer-service support;
- identify you, verify information you provide, and communicate with you about insurance products or services you request;
- maintain records, manage our business operations, and comply with legal, regulatory, licensing, and audit obligations;
- protect the security, integrity, and availability of our website, systems, and records;
- improve website performance, user experience, and service delivery; and
- investigate complaints, suspected misuse, fraud, or other unlawful activity.
We expect to collect, use, and disclose personal information only for purposes that are reasonable in the circumstances and consistent with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
5. Consent
By submitting personal information to us, requesting a quote, or continuing to use HighRiskPolicy.ca after reviewing this policy, you consent to the collection, use, and disclosure of your personal information as described here, subject to any legal restrictions or rights you may have.
Where the law requires more specific consent, or where we want to use information for a new purpose that is not reasonably necessary to provide the service you requested, we will seek additional consent when required.
6. When We Share Information
We may disclose personal information to the following categories of recipients when reasonably necessary:
- our employees, licensed brokers, contractors, and affiliated service providers who need the information to perform services for us;
- insurers, underwriters, markets, and other parties involved in reviewing, quoting, binding, or servicing insurance;
- technology, hosting, communications, security, and analytics vendors who support the website or our internal operations;
- regulators, self-regulatory organizations, courts, law-enforcement agencies, or other authorities where disclosure is required or permitted by law; and
- another organization as part of a business transaction, provided appropriate protections apply.
We do not sell personal information for money. We also do not knowingly use this site to support cross-site behavioural advertising.
7. Storage, Transfers, and Retention
Your information may be stored or processed in Canada or in other jurisdictions where our service providers operate. When information is processed outside your province or outside Canada, it may be subject to the laws of those jurisdictions.
We retain personal information only for as long as reasonably necessary for the purposes described in this policy, to meet legal or regulatory requirements, resolve disputes, enforce agreements, and maintain appropriate business records.
8. Safeguards
We use administrative, technical, and physical safeguards that are appropriate to the sensitivity of the information we hold. These may include access controls, authentication measures, role-based permissions, vendor controls, and secure record-handling practices.
No website, email system, or electronic transmission method is completely secure. You should avoid sending highly sensitive information through unsecured channels unless specifically requested through a secure process.
9. Your Rights and Choices
Subject to applicable law, you may request access to personal information we hold about you, request corrections, withdraw consent for certain uses, or ask questions about our privacy practices. We may need to verify your identity before responding.
To make a privacy request, contact The 1057 Group Inc. at 1057 Oxford St W, London, ON N6H 1V6 or by phone at (519) 657-1057.
10. Third-Party Services and Links
This site may link to third-party websites or rely on third-party infrastructure such as map, font, hosting, communications, or content-delivery services. Those providers may collect technical information according to their own terms and privacy practices. We are not responsible for third-party websites, services, or policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will post the revised version on this page and update the effective date above. Your continued use of HighRiskPolicy.ca after an update means you accept the revised policy to the extent permitted by law.
Questions about this policy should be directed to The 1057 Group Inc. using the contact details listed above.