Privacy Policy

Effective Date: July 1, 2025
Last Updated: July 1, 2025
Website: www.elkove.ca
Company: Elkove Inc.
Location: Toronto, Ontario, Canada

1. Introduction

At Elkove Insurance Brokerage Inc. (“Elkove”, “we”, “us”, or “our”), we are committed to protecting your personal information and privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website (www.elkove.ca) or communicate with us.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

2. What Personal Information We Collect

When visitors or users submit a form, we capture the IP Address for spam protection. We also capture the email address and might capture other personal data included in the Form fields such as:

• Name, email address, phone number, and mailing address
• Insurance-related information (e.g., vehicle details, property info, business data)
• Date of birth and other identifiers for quote purposes
• Any information you provide via web forms, email, or over the phone.

We do not knowingly collect information from children under 13 years of age.

Please review our Email Communication Policy below.

3. How We Collect Information

We collect personal information in several ways:

• When you request an insurance quote or submit a contact form
• Through email or phone correspondence
• From third-party providers or insurers (with your consent)
• Via browser cookies and analytics tools (non-identifiable info)

4. How We Use Your Information

We use your personal information to:

• Provide insurance advice and brokerage services
• Respond to inquiries and requests
• Obtain insurance quotes from providers
• Fulfill legal or regulatory obligations
• Improve our website and customer service

We do not sell your personal information.

5. Disclosure of Personal Information

We may share your information with:

• Insurance companies or underwriters (for quoting or binding policies)
• Regulatory bodies (e.g., RIBO or FSRA) if required by law
• Trusted service providers who assist with business operations
• Legal authorities when required to comply with legal obligations

All third parties are required to protect your data in compliance with privacy laws.

6. Consent

By using our website and providing your personal information, you consent to the collection, use, and disclosure of your information as outlined in this policy. You may withdraw consent at any time, subject to legal or contractual restrictions.

7. Retention and Security

We retain personal information only as long as necessary for the purposes set out above or as required by law. We use reasonable administrative, technical, and physical safeguards to protect your information from loss, misuse, and unauthorized access.

When visitors or users submit a form we retain the data for 30 days. All collected data might be shown publicly and we send it to our workers or contractors to perform necessary actions based on the form submission.

8. Your Rights

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

You have the right to:

• Access and request corrections to your personal information
• Withdraw consent for certain uses
• File a complaint with the Office of the Privacy Commissioner of Canada

To make a request, please contact us using the details below.

9. Cookies and Website Analytics

Our website may use cookies or analytics tools (like Google Analytics) to improve user experience and gather non-identifying data about site traffic and usage. You may disable cookies in your browser settings.

Please visit our Cookie Policy for more detailed information.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Additional Technologies We Use

This website uses the Privacy Suite for WordPress by Complianz to collect and record Browser and Device-based Consent. For this functionality, your IP address is anonymized and stored in our database. This service does not process any personally identifiable information and does not share any data with the service provider. For more information, see the Complianz Privacy Statement.

This site utilizes caching in order to facilitate a faster response time and better user experience. Caching potentially stores a duplicate copy of every web page that is on display on this site. All cache files are temporary, and are never accessed by any third party, except as necessary to obtain technical support from the cache plugin vendor. Cache files expire on a schedule set by the site administrator, but may easily be purged by the admin before their natural expiration, if necessary. We may use QUIC.cloud services to process & cache your data temporarily. Please see https://quic.cloud/privacy-policy/ for more details.

We use Google reCAPTCHA for spam protection. Their privacy policy can be found here : https://policies.google.com/privacy?hl=en.

10. Links to Other Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to read their privacy policies.

11. Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

12. Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

13. Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

14. How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

15. Email Communication Policy

Consent to Receive Emails

By providing your email address—whether through our website, quote requests, or direct contact—you consent to receive electronic communications from Elkove, including:

• Insurance quotes and renewal notices
• Policy updates and confirmations
• Invoices and receipts
• Customer service and follow-up
• Regulatory disclosures and compliance notices
• Occasional newsletters or promotional offers (with express consent)

You may withdraw your consent to receive marketing emails at any time by using the “unsubscribe” link in our messages.

Confidentiality Notice

Emails and attachments from Elkove may contain confidential or privileged information intended only for the recipient. If you are not the intended recipient:

• Do not read, copy, or share the message
• Notify the sender immediately and delete the message

Please note that email communication over the internet is not guaranteed to be secure. Do not send sensitive information via unsecured email.

Compliance with Canadian Anti-Spam Legislation (CASL)

Elkove complies with Canada’s Anti-Spam Legislation (CASL). We do not send unsolicited commercial electronic messages. Promotional emails are sent only with explicit or implied consent and always include an option to unsubscribe.

Accuracy of Communication

We aim to ensure all communications are accurate and timely. However, insurance advice or coverage confirmation is not binding until formally issued by the insurer and confirmed in writing. If you have questions about any communication, contact one of our licensed brokers.

Monitoring and Retention

Email communications may be monitored and retained to comply with recordkeeping and regulatory obligations, including those from RIBO and FSRA.

Contacting Us

If you have questions about this Email Communication Policy or wish to change your communication preferences, please contact us at [insert contact email or link].

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Last Updated” date at the top of this page indicates the most recent changes. Continued use of the website means you accept the revised policy.

17. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal information, please contact: