The Canadian Association of Independent Life Brokerage Agencies ("CAILBA" "we", "us" "our") is an organization whose members are life insurance industry participants, a majority of which are independently owned life and health insurance brokerage agencies. If we collect, use or disclose personal information identifiable to individuals we do so in accordance with the principles set out in this Privacy Statement, which may be amended from time to time.

Personal Information About Members
In the course of carrying on its activities on behalf of its members, CAILBA collects very little personal information about members or individuals who are representatives of member companies. For the most part the information that is collected consists of the name, title and contact information of an individual in their capacity as an employee or representative of a member company.

If we do collect, use or disclose personal information about a member or an individual who represents a member, we are guided by the general privacy principles set out in the next section.

From time to time, we do offer seminars and accept registration over the Internet, over the phone, by email or mail communication. In that case, we will collect only such information as is required to ensure (a) that a confirmation is sent to the address or e-mail address of the registrant's choosing and (b) that payment is processed correctly. We will ask for a registrant's name, mailing address, phone number, e-mail address and credit card information. Credit card information provided on-line shall be processed in an environment with appropriate security in effect. If a member or a representative of a member provides us with his or her contact information, including his or her e-mail address, we will communicate with such individual about CAILBA events and activities using that information. We rely on members or representatives of members to keep us up to date on their particulars.

General Privacy Principles

Currency of Member Data Collected
CAILBA may contact a member or individual representing a member requesting updates of data. This will normally be done by regular mail or by an e-mail directing the recipient to the appropriate website. We do not use third parties (other than LOGiQ3 Inc., our manager) to collect this data on our behalf. If you receive any communication from anyone purporting to perform this function on our behalf or if the authenticity of any communication is doubtful, please contact CAILBA immediately.

CAILBA Debt Monitoring System
We operate a debt monitoring system (the "DMS"), on behalf of both insurance companies and managing general agencies which are CAILBA members. The purpose of the DMS is to ensure the availability and accuracy of facts about the existence of outstanding and overdue debts owed by insurance intermediaries to CAILBA members. Members will obtain information through the DMS in connection with an application to become authorized to sell insurance on a member's behalf and members will input information to the DMS in the event that an insurance intermediary does not pay amounts owing in accordance with its contractual obligations to such member. A request for additional information or a request to review or correct one's personal information should be directed to the CAILBA Chief Privacy Officer at CAILBA Canada, P.O. Box 50007, Queen McCaul Post Office, 224 Queen Street, Toronto, ON, M5V 1Z0, Tel: (416) 548-4223, Fax: (416) 340-9977, E-mail: info@CAILBA.com.

Website Privacy Matters
When a user visits CAILBA's website, some general information about the visit may be recorded, such as:

We use this information for statistical analysis and to help us make our site more useful to visitors. We may disclose this information to third parties such as sponsors or clients and/or use it for auditing purposes.

We may use "cookies" that identify a user as a return visitor. A cookie is a piece of data that a website can send to a user's browser, which may then store the cookie on the user's hard drive. So, when a user returns to our site again, we can tailor information to suit the user's individual preferences. The goal is to save time and provide a more meaningful visit and to measure website activity. Browsers such as Netscape allow cookies to be disabled or the will inform the user when a cookie is being stored on his or her hard drive.

Privacy Officer
CAILBA has a privacy officer who may be contacted for any concerns, clarifications or other issues. Please direct your communications to:

Local: (416) 340-7435
Fax: (416) 340-9977
E-mail: info@CAILBA.com