Privacy Policy

We may collect the following information:

• Contact information: full name, mailing address, email address, and mobile phone number.
• Insurance-related information: policy number, coverage details, renewal dates, claim status, and appointment records.
• Messaging consent data: the fact that you opted in to receive SMS/MMS messages, the date and method of consent, and your opt-out status.
• Technical information: device type, carrier (when available), and basic log data.

We use collected information to:

• Provide insurance quotes, policy service, renewal reminders, and claim support.
• Send policy, renewal, claim, and appointment reminders via SMS/MMS where you have consented.
• Respond to your inquiries and service requests.
• Maintain records of consent and opt-out status required by applicable telemarketing and messaging regulations (including 10DLC / TCPA).

We do not use your mobile phone number or SMS opt-in data for any purpose beyond the messaging and services you consented to.

If you opt in to our SMS/MMS program:

• Program description: Recurring SMS/MMS messages from Onest Insurance Inc regarding your insurance policy, renewal notices, claim status, and appointment reminders.
• Message frequency: Up to 4 messages per month. Frequency may vary based on your policy activity.
• Charges: Message and data rates may apply through your mobile carrier.
• Opt-out: You may unsubscribe at any time by replying STOP to any message. After STOP, you will receive a confirmation and no further messages from this program.
• Help: Reply HELP for assistance, or contact us at info@onestinsurance.ca / 905.472.5666.
• Consent: Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

We do not sell, rent, or share your mobile phone number or SMS opt-in consent data with third parties for marketing, advertising, or promotional purposes.

Mobile opt-in information and consent records collected for our messaging program will not be shared with any third party or affiliate for their own marketing use.

We may disclose information only in the following limited circumstances:

• With service providers and subcontractors who help us operate our business and deliver our services (for example, the messaging platform, hosting, or accounting providers), under confidentiality obligations and only to the extent needed to perform their service.
• When required by law, regulation, legal process, or to protect our legal rights, safety, or the rights of our customers.
• With your explicit prior consent.

We retain your contact and consent records for as long as your account or policy is active, and as required by law or for legitimate recordkeeping (including proof of consent for messaging compliance). Opted-out numbers are retained on our suppression list so we do not re-contact you.

We use reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, use, or disclosure. No method of transmission or storage is fully secure; please contact us if you suspect unauthorized access to your information.

• You may update your contact information at any time by contacting us.
• You may opt out of SMS/MMS messaging by replying STOP, or by contacting us.
• Depending on your jurisdiction, you may request access to, correction of, or deletion of personal information we hold about you.

Our website may contain links to third-party sites. We are not responsible for their privacy practices; please review their own policies.

We may update this Privacy Policy from time to time. The "Effective Date" at the top reflects the latest revision. Material changes will be posted on this page.