Privacy Policy

This Privacy Policy explains how Get Rates and its affiliates collect, use, and disclose personal information. Our practices comply with the Personal Information Protection and Electronic Documents Act (the “Act”) and applicable provincial laws. We outline the types of personal information we collect from customers, how we use it, and the options available to you for questions, feedback, or complaints regarding our privacy practices. This policy applies to all personal information we collect, including through our websites. Please note that our websites may contain links to third-party sites. These external sites are not governed by this Privacy Policy, and we encourage you to review their privacy policies to understand how your information may be handled.

What is Personal Information?

Personal information is defined as any information about an identifiable individual. It does not include an employee’s name, title, business address, or telephone number within an organization.

Children’s Privacy

If you are under the age of 18, it is important to get permission from a parent or guardian before sending any personal information to us, or to anyone else, online. We strongly encourage parents to be involved in their children’s online activities and to be mindful of the websites they visit.

What Personal Information Do We Collect and Why?

We collect personal information for specific and limited purposes using fair and lawful methods. You may browse our website without providing any personal information. However, if you choose to share your information, our brokers may use it to generate quotes.

We may collect your personal contact details (such as name, address, email, and phone number) when you:

    • Request a quote or other services

    • Subscribe to newsletters or email communications

    • Submit information through forms on our website

This information allows us to process your requests, provide targeted advertising, and respond to your questions or feedback.

If you participate in a contest or promotion, we use your contact information to administer the event, including communicating with participants, announcing winners, and promoting results.

In addition, we may collect demographic details, your quote request history, and information on promotions you’ve received (“history”). This helps us better understand your interests, improve our products and services, and determine your eligibility. We may also use this data to notify you of updates, enhancements, or other relevant information about the services you’ve requested. From time to time, we may send you Marketing Offers—special promotions or information from us, our affiliates, or selected sponsors and advertisers. You may opt out of receiving these offers at any time by following the instructions in our opt-out policy below.

If you opt out, we will retain your contact information on a separate list to ensure your preferences are respected.

Cookies and Advertising

If you are concerned about cookies, you can disable them in your browser settings. Please note that doing so may limit access to certain features of our websites, particularly those that require registration.

Our websites may include advertisements or links provided by third parties. When you click on these ads, the advertiser may place a cookie in your browser. We do not control these cookies and are not responsible for how advertisers use your information, including for marketing purposes.

Get Rates and its partners use cookies and similar technologies to analyze trends, manage our websites, track user activity, and collect demographic information about our audience. While you can control cookies at the browser level, disabling them may reduce or prevent access to some website features and services.

To Whom Do We Disclose Personal Information, and Why?

Get Rates is not an insurance company. Instead, we work with a network of licensed insurance brokers. We disclose your personal information solely to help fulfill your quote request. When you submit a request through our website, we share the necessary details with our broker partners. They use this information exclusively to compare rates across the insurance markets they have access to in Canada, ensuring you receive the best options available. This disclosure to our broker partners is a vital part of our service and the quoting process.

Consent and Opt-Out Policy

Personal information collected by Get Rates is used to provide car, home, commercial, or recreational vehicle quotes, as well as other related services. Any information requested through forms on our website will be clearly identified. We only collect this information when you complete the form, actively provide consent, and successfully submit it to us.

In general, we rely on your consent to collect, use, or disclose personal information, in line with our opt-out policy. For sensitive personal information, we will obtain your express opt-in consent unless otherwise permitted by law.

Opting Out of Marketing Offers
If you do not wish to receive Marketing Offers, you may opt out at any time by:

    • Following the unsubscribe instructions included in any Marketing Offer email

    • Replying to a Get Rates text message with “X” or “STOP”

    • Calling Get Rates and requesting removal from Marketing Offers

    • Emailing Get Rates with the same request

Please allow approximately 2–4 weeks for your request to be fully processed.

Generally, when you provide us with personal information, we will assume your consent to collect, use, and disclose it for the purposes outlined in this Privacy Policy or otherwise identified at the time of collection. However, we may use or disclose personal information without your consent when required or permitted by law. This includes circumstances such as:

    • Investigating potential violations of federal, provincial, or foreign laws

    • Protecting or defending our legal rights and interests

    • Complying with applicable laws, regulations, or lawful government requests, including those related to national security or law enforcement

Safeguards

We store personal information in both paper and electronic records. To safeguard this information, we use a combination of technical, contractual, administrative, and physical security measures. For example, when you share personal information with us, it is protected using industry-standard Secure Sockets Layer (SSL) encryption technology.

How to Access and Correct Your Personal Information

Upon request, Get Rates will confirm whether we hold any of your personal information. You may access, correct, or request the deletion of your information by contacting us. Once we receive satisfactory identification and appropriate evidence, we will make the necessary updates and respond within a reasonable timeframe.

We will provide access to your personal information within a reasonable period, subject to verification of your identity and proof of entitlement. In certain circumstances, we may be unable to grant access to some or all of the information we hold. If your request is denied, we will provide written reasons for the refusal, and you will have the right to challenge our decision.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our information practices. If we make any significant updates, we will notify you in advance—either by email (sent to the address associated with your account) or by posting a notice on our website. We encourage you to review this page periodically to stay informed about how we protect your personal information.

How to Challenge Our Privacy Practices

We welcome you to contact us with any questions or concerns about your privacy or this Privacy Statement. If you have a question about our Privacy Statement or wish to file a complaint, please contact Get Rates at:

  • Phone: 1-289-GETRATE

  • Email: rates@getrates.ca

This Privacy Statement was last updated on August 17, 2025.