Personal Information
Personal information is information about an individual that identifies them, either directly or indirectly.
This page has been changed to incorporate the amendments under Bill 25, coming into force on September 22, 2023.
Under the Act respecting the protection of personal information in the private sector, all companies must adopt and implement measures to protect the personal information to which they have access. That holds true for the damage insurance industry. Certified professionals governed by the ChAD have a professional obligation to safeguard the confidentiality of the personal information that they obtain from insured parties in the course of their work. They must only use the information for the purposes for which it was obtained, unless a law or court order relieves them from that obligation1.
Their obligations
Section 23 of the Code of ethics of damage insurance representatives (agent and broker) states that: “A damage insurance representative must respect the secrecy of any personal information that he obtains about a client and use the personal information for the purposes for which he obtained it, unless he is relieved of that obligation by a provision of law or an order of a competent court.”
Section 22 of the Code of ethics of claims adjusters states that: “Claims adjusters must respect the confidentiality of all personal information obtained about a client and use the personal information for the purposes for which it was obtained, unless relieved of that obligation by a provision of law or an order of a competent court.
PROCEDURE
Protection of Personal Information
You will find information specifically about:
- Collecting and communicating personal information
- Using personal information
- Keeping and storing personal information
- Destroying personal information
- An individual’s right to access his/her personal information
(Content under review)
Protection of personal information: reminders and new concepts
This article reviews certain basic concepts behind the protection of personal information and describes the new concepts introduced by the law that affect the practice of certified professionals.
Published on August 28, 2023
Protection of personal information
Everyone who operates a business must put measures in place to protect the personal information they hold regarding others. These measures apply to each stage in the life cycle of personal information: when it is collected, communicated, used, held, conserved, and destroyed.
Collection and Communication of Personal Information
When carrying out an investigation, the claims adjuster must obtain the claimant’s authorization before collecting and communicating information concerning this claimant. It is recommended that a consent form be used. (Content under revision)