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Terms of Service | Privacy Policy | aha insurance serviced by Ignite Services Inc.

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Terms of Use

Who this document is written for and how to read it

This Terms of Use is written for anyone who is viewing or using the aha insurance website. More importantly, it immediately applies to anyone viewing and using the website, and so anyone visiting the aha insurance website has, without limitation or qualification, agreed to the terms below. All people who visit and use the website will be referred to as customers throughout this Terms of Use. The aha insurance website is an interactive and multi-functional space, so the terms set out in this document are significant for all customers. Customers using the website are expected to understand these terms and keep up to date with changes. Updated versions are logged at the bottom of the document. The aha insurance website includes creative materials in the form of writing, graphics, photography, video, and layout designs; it houses functional designs and the programming that makes possible its functional abilities; it provides the primary medium for communicating aha insurance’s products; and, finally, it’s the fullest representation of aha insurance – our business philosophies, goals, policies and unique identity in the insurance industry. Throughout this Terms of Use the word “website” and our business name – aha insurance – is always meant to be inclusive of every item listed in this paragraph. Copyright law in Canada applies to any original works of creativity the moment it’s created, and aha insurance retains these rights to its website and all content aha insurance publishes. We use some content and website elements as part of a service purchased from a copyright holder, but the same copyright laws apply to customers regardless. One final note about reading this Terms of Use: any self-referencing language, such as “we”, “us”, or “our”, is referring to aha insurance.

Paying for products using the website’s self-serve options

The aha insurance website provides a self-serve option for purchasing insurance products. By using this option the customer agrees to all terms set-out in this paragraph regarding payment for their insurance products. 'Premium payments are made either as monthly withdrawals from the customer’s bank account or credit card or as a single annual payment by credit card or the customer's bank account.  A charge of $45 will be applied if a payment has been returned due to insufficient funds. In the event of a returned bank withdrawal, we may schedule a second withdrawal. A returned or dishonoured deposit of the customer’s first instalment will result in termination of the policy. More than one payment on the customer’s policy may result in termination and affect the customer’s future insurability.  A method of guaranteed funds will only be accepted if a policy is pending cancellation for non-payment.

Security – aha insurance’s responsibility and the customer’s

Our Privacy Policy describes in detail our commitment to security and responsible use when creating, storing, sharing, and using records of customer’s personal information. Our commitment applies specifically to records of information we have created. We are not liable for anything that happens to the customer’s information while it’s on their computer, or while they’re sending it to us through email, internet connection, or phone connection. While aha insurance assumes responsibility for the security of records of customer information that we’ve created, we expect the customer to assume responsibility for the security of their wireless connections, computers, phones, and browser activity (specifically in the case of filling out our forms, which is an example of a time when malicious people or internet robots could obtain information by breaching the customer’s browser and internet security measures). In short, we are not liable for loss, harm or damage that results from a customer viewing or using our website, and neither are our vendors, business partners, or any contracted persons or businesses that helped in building and running our website. When the customer views or uses our website, they agree to do so at their own risk.

Customer’s responsibility to providing accurate information

By using the website, the customer agrees to provide information to aha insurance with a full commitment to accuracy and honesty. This means the information the customer provides must be completely true and accurate unless an exception is stated on the website. An example of an exception is the field “Annual kms driven” in the auto-quote section, which allows for some error in the customer’s calculation, and simply asks for the customer’s best possible estimation. We retain the right to refuse services and products to a customer that fails to show a full commitment to accuracy and honesty when using the aha insurance website or when communicating with an aha insurance employee.   If aha insurance finds that a customer has provided false information we will exercise the authority to discontinue providing insurance services, to deny pay-out on a claim, and to take legal action against the customer.

Contact and updates

Thank you for reviewing this Terms of Use. If you have any questions or concerns, please contact us at talk2us@ahainsurance.ca or in writing to address in the footer of this document. The following is a log of updates to this Terms of Use: Coming soon aha insurance 615 Kumpf Street, Suite 500, Waterloo, Ontario, N2V 1K8 | 1-855-242-2440 | www.ahainsurance.ca

©2017 aha insurance™ | aha insurance serviced by Ignite Services Inc.

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Our Privacy Policy

 Who this Privacy Policy is written for

If you’re a customer of aha insurance, or have signed off consent so that you can retrieve a quote, this Privacy Policy is written for you. It will explain how your information is gathered, who uses it (when and why), and how it is kept secure and eventually destroyed. Above all, this Privacy Policy is meant to inspire trust and confidence in your relationship with our website, our services, and the aha insurance team. Insurance products are created for individuals; one product does not fit all. To create your policy, we not only need to learn about your history as an owner or insurer of an automobile or property insurance, but we’re in-fact required by law to keep certain information on record – we simply must get to know you before we write your policy. For you, the customer, this means you must trust not only your Broker and insurance provider, but the network of organizations that play separate but essential roles in delivering, servicing, fulfilling and regulating your insurance products.

How Your Information is Gathered

By signing off consent to aha insurance, you’re allowing us to create a record of your personal information. This record will have both information you’ve provided and information we’ve gathered from third-parties. For example, we’ll ask for your driver’s license number so we can retrieve your driving and claims history from an organization that maintains a database of these records for everyone in Canada. If you’re applying for home insurance, our underwriting insurance company, Zenith Insurance, will retrieve your credit score from a credit reporting agency, this may provide you with an additional savings. If you prefer to receive a quote without providing credit consent, please contact our office and we will gladly assist. Providing credit consent is voluntary and property quotes can be obtained through our office without credit. We may also engage third parties to assist in providing, servicing and fulfilling insurance products, as well as in assessing insurability. These companies may also collect your personal information to fulfill these roles. By agreeing to this policy, you agree to let aha insurance order reports to review your driving and insurance history to provide you with a quote. You have also obtained the permission of other drivers listed on your policy to let aha insurance order their driving and insurance history report. As you obtain quotes and use the self-service options on the website, you’ll provide information like your email, license number, name of the institution your mortgage is with, names of your current insurance providers, and many other possible details. We hope you’ll join our communities, where you may provide additional information, such as the story of a positive experience with aha insurance. Finally, someone from the aha insurance team may add information to your record that originated in an email, a phone call, or a live-chat session. For example, you may speak with a Broker on the phone about a claim that becomes part of your claims history.

How your information is used

Your information is used to help us in achieving our goal to provide you with products and services that meet your ongoing needs. We may verify your personal information that you provide us with at the time of your application for insurance, and will use this information as we assess your situation in accordance with our insurer’s terms, policies and conditions. This review of your information helps in determining pricing as well as product eligibility. We also protect our customers by taking all appropriate measures when it comes to detecting and preventing fraud or other illegal activities. From time to time we may conduct market research, analyze business results, and/or compile statistics and report to regulatory bodies and other industry entities acting as required or authorized by law.

Who Uses Your Information

Your personal information is used by Brokers at aha insurance, by our insurance providers, and by vendors we’ve contracted to help process and store your information. In some cases members of the aha insurance team, or vendors that we’ve contracted, will access and use your records as part of their efforts to improve the marketing and delivery of our products. Everyone at aha insurance who views and uses your information is required to sign a contract that includes a commitment to this Privacy Policy and our Terms of Use. Our employees, agents and contractors are prohibited from sharing your information outside of the organizational network that creates, delivers and regulates your insurance products, and from viewing or using your information for any reason except to fulfill their role in creating, delivering and regulating your insurance products. We will never sell or share your information to marketing companies. The aha insurance website is capable of providing customers with a self-serve insurance buying experience. The back-end, or under-the-hood, work the website engages in involves collecting information that triggers processes; for example, generating a quote that’s based on the fields of information the customer fills out in the “get a quote” page. The website also places cookies on the customer’s computer that indicate the last time the customer visited the website (you can view, delete and block cookies through your web browsers preferences or options panel). While this information may never be viewed by an actual person, it is still part of a customer’s record of information with aha insurance, and we still take steps to make sure those records are secure and that any automated use of them adheres to this Privacy Policy.

Security and Destruction of Records

While aha insurance is a company based in the digital era, we do in fact have a very real office located at 615 Kumpf Drive in Waterloo, Ontario, where our Brokers receive phone calls and emails, and where our private-server stores records of customer information. Our Chief Information Officer, is responsible for the security of our digital records. The CIO is also responsible for sourcing what avenues we transfer information through, what cloud and collaborative working services we use, and, of course, what security systems are put in place. The entire aha insurance team is confident in the security of our systems, and that confidence extends to all employees and everyone involved in the insurance network. Every employee, vendor and business partner’s aptitude for handling confidential information is carefully considered before they are authorized to access or use personal information. Unless you request otherwise, we keep your contact information for a minimum of one year so we can send you news, updates and promotions regarding aha insurance’s services. An option to unsubscribe from our marketing and promotional emails is always available, and in the case that the unsubscriber is not a customer or member of our communities, unsubscribing will delete their email from our system. Subject to applicable law and some narrow exceptions, all other information is disposed of as soon as it’s no longer required for the purpose for which it was collected. As noted, there are some exceptions to this rule. For example, we may have to keep records of information, or even hand information over, in the event of a court order or other legal requirement. Although aha insurance has no need to keep permanent records (unless by court order), your claims history will be ordered when applying for insurance.

Updates and Contacts

We hope this Privacy Policy has given you confidence in aha insurance’s commitment to the responsible use and security of your personal information. Our commitment extends to transparency, and you have the right to request access to any of your personal information that we may hold. If you would like to access your personal information, or have any questions or concerns about this privacy policy or our personal information handling practices, the security of your information in our digital records please email privacy@ahainsurance.ca. If aha insurance is unable to resolve your privacy concerns to your satisfaction, you have the right to contact your privacy regulator. Our Privacy Office will give you this contact information upon request. Finally, we will log any updates here at the end of the document. This may reflect a change we’ve made in how we handle records of customer information, or may simply reflect additional details added to sections that we’ve come to realize are important to mention. Thank you for taking the time to review this Privacy Policy.
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