Privacy Policy


Our commitment to privacy and safeguarding your personal information.

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Privacy Policy

Our commitment to privacy: Insurance Hotline owned and operated by RATESDOTCA Group Ltd., knows that protecting the privacy and confidentiality of your personal information is important to you.

This Privacy Policy explains what personal information is collected from our customers and how it is used. It also explains how you can ask questions, make suggestions, and complain about our privacy practices. This Privacy Policy applies to personal information, meaning any information about an identifiable individual, except for business contact information, collected by us, including our websites. Be aware that our websites may contain links to other websites provided and maintained exclusively by third parties not subject to this Privacy Policy. Please review the privacy policies on any external websites to determine their information handling practices.

If you have any additional concerns or questions, we encourage you to contact our Privacy Officer, Umair Suria, at [email protected] and we will address your concerns to the best of our ability. Please read this Privacy Policy carefully, and check back periodically as we update it from time to time.

Children: If you are under 18, be sure to obtain your parent or guardian’s permission before you send any personal information to us, or anyone else, over the Internet. We encourage parents to get involved with their children’s online usage and to be aware of the activities in which they are participating.


What personal information do we collect, and why? 

When you use our website: If you use any of our websites, we may assign an internet cookie. An internet cookie is a small text file that a website stores on your internet browser and that can collect and store information. We use cookies to better understand how you use our websites, to make sure our ads and dynamic content are served correctly and to improve the performance of our websites. For example, a cookie may recall a set of preferences you have set for our website and record items that you have registered for. Storing cookies on your web browser allows us to present you with custom web pages and other content that are tuned with your preferences. For example, if you are a registered user, you may see a welcome page with your name on it. These activities are invisible to you, and are generally intended to improve your internet surfing convenience. Unless you have set your preferences so that you will be alerted when a cookie is being stored on your computer, you won’t know about it.

Cookies collect personal information including Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data to analyze trends in the aggregate and administer the site

Opting out of cookies

We use functional cookies, that are necessary to make our website work and cannot be disabled, and optional cookies to understand your preferences, which may be disabled. If you are concerned about cookies, it is possible to turn them off in your web browser preferences. However, please be aware that by disabling cookies, you may not be able to use all portions of our websites, particularly pages requiring registration.

Please review your browser’s documentation, including the links below:


We may place advertising or other links on our sites that originate from outside advertisers. If you view these ads, the advertisers may assign a cookie. We do not control these cookies, nor are we responsible for any marketing or other use of your name by these advertisers.

When you request an insurance quote or other service: We collect personal contact information (for example, name, address, email address and telephone numbers) as well as all information that is relevant to assess risk and provide you a quote. We also keep notes and special instructions on file for insurance brokers and agents to help us fulfill your request and provide customer service.

When you sign up for a newsletter or other email services: We collect your email address to provide you those services.

When you click the submit button on our website forms: The personal information collected when you submit a website form is limited to the information stated on the form, for you to provide.

When you enter a contest or other promotion: We collect your personal contact information to administer the contest or promotion including contacting, announcing and promoting prize winners.

When you agree to receive advertising tailored to your interests: We collect demographic information, as well as quote request history and a list of promotions offered to you (“history”), in order to gain a better understanding of your interests so that we may develop better products and services, and to determine eligibility for our products and services. In addition, we may use this information to send you offers or information from us, our affiliates and from selected sponsors or advertisers (“Marketing Offers”).

When you call us: With your consent, we may tape or monitor your telephone calls with our customer service representatives for quality assurance purposes.

We generally use your personal information for the purposes of: managing, administering, collecting or otherwise enforcing accounts; maintaining business records for reasonable periods of time and generally managing and administering our business; and meeting regulatory, legal, insurance, audit, security and processing requirements. Occasionally, we ask our customers to complete market research surveys. Survey results are aggregated and shared with our advertisers, sponsors and affiliates in a manner that does not disclose personal information. Other than as permitted or required by law, purposes for the collection, use or disclosure of personal information, which are not set out in this Privacy Code, will be set out at the time of collection. You will be given a reasonable opportunity to opt-out of any additional purposes no later than the time of collection.


To whom do we disclose personal information, and why? is not an insurance company or an insurance broker/agent. We work with insurance companies and insurance brokers/agents on this website to provide you an insurance quote. Consequently, we will be disclosing your personal information to them as well as to obtain the quote. This will be clearly indicated, and it is part of the quoting process.

We may also disclose your personal information in order to provide you with Marketing Offers you have opted into. In that case, we may disclose your personal contact information to affiliates and selected sponsors and advertisers. You may opt-out of Marketing Offers at anytime by clicking on the opt-out button that will be provided in the Offer.


Who do we share your personal information with

We share your personal information with companies who act as our service providers to provide you, our services. These companies are authorized to use your personal information only as necessary to provide these services to us, pursuant to written instructions. In such cases, these companies must abide by our data privacy and security requirements, and are not allowed to use personal information they receive from us for any other purpose.

We may also disclose your personal information to our affiliates for internal audit, management, billing, administrative, marketing, promotion, or other business purposes.

In exceptional cases, we may be required to disclose your personal information to unrelated parties, for example, if we find you have violated any stated terms of service or conditions of purchase, or if we need to comply with applicable laws and lawful governmental requests, other legal and regulatory authorities and other legal reasons.

Finally, we may disclose your personal information to parties connected with the contemplated or actual financing, insuring, sale, assignment or other disposal of all or part of our business or assets, including for the purposes of determining whether to proceed or continue with such transaction or business relationship or fulfilling any records or other reporting requirements to such parties. We will require such parties to treat your personal information in accordance with this Privacy Code and to use and disclose it only for the purposes for which it was collected.


Where do we store your personal information

Your personal information may be processed and stored outside of the province in which you reside and/or outside of Canada by us, an affiliate or a third-party service provider for the purposes set out in this Privacy Policy. We ensure the information remains protected at an adequate level. Still, you should know that personal information is subject to the laws of the jurisdiction where it is held, so that in certain circumstances foreign courts, law enforcement agencies or regulatory agencies may be entitled to access your personal information.


Consent and opt-out policy

Personal information collected by is used to provide an insurance quote or other service. Any information requested by the presentation of any form on our website will be clearly marked and no collection will take place unless you, not only fill in the form, but also actively consent and successfully submit that form’s content to us.

You always have the right to withdraw consent. If you consented to receiving Marketing Offers, you may opt-out at any time by clicking on the “opt-out” button at the bottom of any email Marketing Offer you receive.

Please allow a reasonable time (approximately 10 days) for processing of your request.


How long do we keep your personal information

We will only retain your Personal Information for the period necessary to fulfill the purposes you have provided it for, unless a longer retention period is required or permitted by law. At the end of the retention period, your information is deleted.

Safeguards: We maintain personal information in a combination of paper and electronic files. We take technical, contractual, administrative and physical security measures to protect your personal information. For example, when you provide personal information to us, we work to help protect the security of your information by using industry standard secure sockets layer (SSL) encryption technology.


How to access, or have your personal information corrected or deleted

You may request, in writing, to obtain access to your personal information, to have it corrected if it is inaccurate and to have it deleted if it is no longer necessary for the purposes for which you provided it. by calling at 1-855-821-7312 or by writing to [email protected].

We will respond to your request within 30 days. If we need an extension, we will provide justification. If we cannot grant you access, correction or deletion, we will provide reasons.

You can exercise all these rights by contacting us at:

Umair Suria, Privacy Officer
225 King St W, Suite 1000,
Toronto, ON, M5V 3M2, Canada


Phone: 1-855-821-7312
Email: [email protected]


Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.


How to challenge our privacy practices

We encourage you to contact us with any questions or concerns you have about your privacy or this Privacy Statement. If you have a question concerning our Privacy Statement, or if you have a complaint, please contact at:


Umair Suria, Privacy Officer
225 King St W, Suite 1000,
Toronto, ON, M5V 3M2, Canada


Phone: 1-855-821-7312
Email: [email protected]


If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider (free of charge) at

We will make every effort to address your requests to your satisfaction. If, however, it is not the case, you may lodge a complaint, depending on the province you are in, to the Office of the Privacy Commissioner of Canada, the Information and Privacy Commissioner of Alberta, the Information and Privacy Commissioner of British Columbia and the Commission d’accès à l’information du Québec.

This Privacy Statement was last updated on April 10, 2024.