Privacy Policy

At Billyard Insurance Group (operating as Sharan Kaur, Insurance Broker), we are committed to maintaining the accuracy, confidentiality, and security of your personal information. This Privacy Policy describes the personal information we collect from or about you, how we use it, and to whom we disclose it.

1. Compliance with Regulations

We manage your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), the Registered Insurance Brokers of Ontario (RIBO) code of conduct, and other applicable provincial and federal privacy legislation.

2. Collection of Information

When you request a quote, submit a contact form, or establish a policy with us, we collect necessary personal details, which may include:

• Contact info: Name, email address, phone number, and physical mailing address.
• Auto details: Driving history, vehicle vehicle identification numbers (VIN), vehicle make/model, and previous insurance status.
• Home details: Home construction details, age of roof, occupancy status, and local hazard indicators.
• Life details: Health indicators, age, and tobacco consumption status.
• Business details: Business type, annual revenue, employee count, and commercial risks.

3. Use of Information

We use your personal information to:

• Shop your profile across 30+ insurance underwriters to find the best rate.
• Establish, maintain, and renew your insurance policies.
• Communicate critical billing, claim updates, and regulatory disclosures.
• Respond to your requests submitted via our website forms.
• Verify identity and prevent fraud.

4. Sharing and Disclosure

We only share your information with licensed insurance carriers and underwriting organizations necessary to secure your insurance coverage. We never sell, rent, or trade your personal information to third-party marketing companies.

5. Security of Your Data

We employ industry-standard administrative, physical, and technological security measures to protect your data from unauthorized access, loss, or alteration. All database interactions with our system use encrypted Secure Socket Layer (SSL) protocols.

6. Your Rights

You have the right to request access to the personal information we hold about you, request corrections to inaccurate details, or withdraw your consent for information use (subject to legal or contractual restrictions and reasonable notice).

7. Contact Information

If you have any questions or complaints regarding our privacy practices, please contact Sharan Kaur directly at:
Email: sharan@thebig.ca
Phone: 647.501.8013
Address: 105D-135 Matheson Blvd West, Mississauga, ON L5R 3L1