Privacy Policy

VIVER HEALTH INC. is  committed to protecting your privacy. This Privacy Policy explains our  information processing practices. It applies to any personal information  you provide to Viver Health Inc. and, subject to local law, any  personal information we collect from other sources.

This Privacy  Policy describes the principles that we follow to ensure that we protect  Personal Information that we receive, collect, use or disclose in the  course of carrying on our business. All of our employees who have access  to Personal Information must adhere to this Privacy Policy and related  procedures.

By submitting your Personal Information to us through  your use of our website or otherwise, you signify your consent to the  collection, use and disclosure of your Personal Information in  accordance with this Privacy Policy. If you do not agree with the terms  of this Privacy Policy, please do not provide any Personal Information  to us through the website or any other manner.

WHAT IS PERSONAL INFORMATION

“Personal  Information” is information about an identifiable individual. However,  it generally does not include business contact information when used to  contact a person in respect of their business role or function.  Sometimes we will de-identify information in order to use and share that  information for our business purposes in a way that does not identify  you. For example, we may aggregate your personal information with other  individuals to prepare claims statistics.

WHY WE COLLECT, USE AND DISCLOSE PERSONAL INFORMATION

Collecting  personal information about you is essential to our being able to  provide the products and services that best meet your needs (including  individuals associated with you, all of whom we refer to as “client” in  this Privacy Policy). While the personal information we collect may come  directly from you, it may also be provided by our affiliates or other  third parties (such as employers, insurance companies, insurance brokers  or advisors, credit organizations, motor vehicle and driver licensing  authorities, financial institutions, medical professionals, etc.).
Personal information may be used for the following purposes:

• To determine eligibility and process applications for products and services and to provide information and services
• To understand and assess ongoing needs of Clients and potential Clients and offer products and services to meet those needs
• For communication, service, marketing, billing, and administration
• For fraud detection and prevention
• For analytics purposes
• To develop proprietary tools and databases
• To provide consulting services to insurance companies
• To  comply with legal, audit, security, and regulatory requirements Other  purposes disclosed in our terms of business or disclosed to you at the  time of collection, use or disclosure.

WHAT INFORMATION WE COLLECT

Depending  on the products or services you request, we may collect information  that you provide on applications for products and services, such as your  first name, last name, email address, company, company size, role, and  phone number. To assess risk or if you make a claim, we may collect  information from insurers, industry associations, claims adjusters, and  consumer reporting agencies. We may also automatically collect  information through our marketing programs through the use of cookies,  beacons and other technologies that track how you use our website and  marketing communications.

CONSENT TO USE PERSONAL INFORMATION

We  may obtain your express consent, or we may determine that consent has  been implied by the circumstances. Express consent can be verbal (in  person or over the telephone), written or by electronic application  (including email). Implied consent occurs when we can assume you have  given consent by some other action you take or decide not to take. For  example, if you request a specific product or service and provide us  personal information in that regard, we infer that you consent to us  using that personal information reasonably to provide this service. If  you need to provide personal information about other individuals (such  as employees, dependents, etc.), you must obtain their consent for these  purposes prior to your disclosure to us. When you request services from  us, we ask that you provide information that enables us to respond to  your request. In doing so, you consent to our collection, use and  disclosure to appropriate third parties of such personal information for  these purposes. You also authorize us to use and retain this personal  information for as long as it may be required for the purposes described  above. Your consent remains valid even after the termination of our  relationship with you, unless you provide us with written notice that  such consent is withdrawn, and then subject to legal or contractual  restrictions and reasonable notice. You should note that by withdrawing  your consent, or not providing it in the first place, you may limit or  even prevent us from being able to provide you or an authorized third  party (such as an employer) with the products or services desired.  However, we may collect, use or disclose Personal Information without an  individual’s knowledge or consent in exceptional circumstances where  such collection, use or disclosure is permitted or required by law, or  where you violate our Website Terms of Use. In certain circumstances,  refusing to provide personal information or withdrawing consent will  mean that you will not be entitled to insurance policy issuance or  renewal, insurance underwriting or claims administration of existing  policies. Additionally in certain circumstances, we will not need to  obtain consent or explain the purposes for the collection, use or  disclosure of personal information. For example, this exception would  apply if there is an emergency that threatens the life, health or  security of an individual, for fraud detection or prevention, or if we  must comply with a court order.

SHARING PERSONAL INFORMATION WITH OTHERS

Viver  Health Inc. only discloses personal information as is required and  described in this Policy or as otherwise required by law. In providing  our services, we may need to disclose the personal information we  collect to affiliates, subsidiaries, successors and other service  providers or advisors who perform various functions for us. Such parties  may be located in Canada, or in other jurisdictions outside of Canada.  While your personal information is always subject to confidentiality  obligations, while stored in another jurisdiction, it may be subject to  the laws of that jurisdiction. Depending on the products or services  that we provide to you, we may disclose personal information to  insurance companies, reinsurers and other parties who have a need for  the information in order to make available insurance coverage and other  products and services. We also share information with claims adjusters  and insurers in order to settle claims. If we are legally entitled to do  so, we may share information with consumer reporting agencies,  insurance reporting agencies and governmental authorities when requested  to do so or in order to protect our business. We may also be required  by law or by rules of arbitration or rules of court to share  information. Viver Health Inc. develops and uses proprietary platforms  and databases to gather, store and use information about insurance  policies, including, but not limited to, names, industry codes, policy  types, premium and policy expiration dates as well as information about  the insurance companies that provide coverage to its clients or compete  for its clients’ insurance placements. Viver Health Inc. uses and  combines this information and other information collected from Viver  Health Inc.’s clients for the purposes of developing Viver Health Inc.’s  products and services and Viver Health Inc.’s relationship with its  clients (for example: benchmarking, market research, data analysis, and  marketing of products and services that may be of interest to Viver  Health Inc.’s clients) and to help insurance companies to strengthen  their offerings for Viver Health Inc.’s clients. The databases may be  accessed by Viver Health Inc. and Viver Health Inc. affiliates to  provide consulting or other services to insurance companies for  compensation as well as for other purposes described in this Privacy  Policy. As Viver Health Inc. continues to develop and grow, we may buy  or sell parts of a business. As our businesses consist primarily of  client relationships, information regarding the particular accounts or  services being purchased or sold could include personal information and  be one of the transferred business assets. We may also use this personal  information to assess your future needs and to offer the products and  services that may best meet those needs, from ourselves, our affiliates  or reputable organizations selected by us. If you do not wish to receive  these offers or such information, please contact our Privacy Officer as  outlined below in the Contact Information section.

KEEPING INFORMATION ACCURATE

It  is important that your personal information is accurate and complete.  Having accurate information about you enables us to give you the best  possible service. You have the right to access, verify and amend the  information we have about you. If you identify any personal information  that is out-of-date, incorrect or incomplete, let us know and we will  make the corrections promptly. To keep personal information up to date,  please inform us of any changes, such as a change of address, telephone  number or any other circumstances by contacting your local office  representative.

HOW WE SAFEGUARD PERSONAL INFORMATION

We  will use reasonable efforts and security measures to protect Personal  Information against loss or theft, as well as unauthorized access, use  and disclosure. We have controls in place to maintain the security of  our information and information systems. Files containing Personal  Information are stored according to the sensitivity of the information  contained therein and are backed up at offsite locations. Appropriate  technological controls (such as passwords, encryption, firewalls) are  placed on our computer systems and data processing procedures. Physical  controls (such as locked filing cabinets, restricting access to offices,  alarm systems) are in place as are organizational controls (such as  staff training and access on a “need to know basis”). All client  information is processed and stored in servers and data centres  geographically located within Canada and is never transported outside  Canadian geographical boundaries. To the extent we employ third-party  service providers to store, access, handle, or process Personal  Information on our behalf; we will use contractual and other means in an  attempt to provide a comparable level of protection. Service providers,  however, may be located in various countries, so please be aware that  authorized officials of governments in those countries may be lawfully  able to access your Personal Information without your knowledge or  consent pursuant to the laws of such countries. Employees are governed  by strict standards and policies to ensure that personal information is  secure and treated with the utmost care and respect.

ONLINE PRIVACY

A. Cookies

In  this policy we use the term “cookies” to refer to cookies and other  similar technologies which can raise privacy concerns in electronic  communications.

What is a Cookie?

A  cookie is a small piece of data that a website asks your browser to  store on your computer or mobile device. The cookie allows the website  to “remember” your actions or preferences over time. (Cookies are  alphanumeric identifiers transmitted from a website to a visitor’s  browser and IP address or web beacons that detect when you take actions  on our websites). “Cookies” are small text files that contain a unique  identification number that allows our computers to identify your web  browser (but not you) each time you visit our website. This means that  the information collected cannot be traced back to a specific person.  For example, our web servers may record certain information  automatically when you visit our website. This information is collected  using “cookies” and might include the pages you visited, your IP  (Internet Protocol) address and other site usage statistics. This  anonymous information is used for research and analytical purposes only  (like evaluating how many visitors our website receives, which pages are  visited most often or to provide users with a customized online  experience and to find ways to improve our site and marketing  communications). It does not reveal any Personal Information about you,  the user. This aggregate data may be disclosed to third parties, but  never with personally identifying information. Most Internet browsers  support cookies; however, users can set their browsers to decline  certain types of cookies or specific cookies. Further, users can delete  cookies at any time.

Why Do We Use Cookies?

Viver  Health Inc. may collect user information from its websites. We use  cookies to learn how you interact with our content and to improve your  experience when visiting our website(s). For example, some cookies  remember your language or preferences so that you do not have to  repeatedly make these choices when you visit one of our websites. We  also use cookies to help us with geolocation tracking in order to  present you with offers or services applicable or suitable to your  location. Additionally, cookies allow us to serve you specific content,  such as videos on our website(s). We may employ the learnings of your  behavior on our website(s) to serve you with targeted advertisements on  third-party website(s) in an effort to “re-market” our products and  services to you. The information helps us improve the functionality of  the site and enhance the navigation and security of your session.

What Types Of Cookies Do We Use?

First-Party and Third-Party Cookies

We use both first-party and third-party cookies on our website. First-party cookies are cookies issued from the www.viverbenefits.ca domain  that are generally used to identify language and location preferences  or render basic site functionality. Third-party cookies belong to and  are managed by other parties, such as underwriters. These cookies may be  required to render certain forms, or to allow for some advertising  outside of our website.

Session Cookies

Session  cookies are temporary cookies that are used to remember you during the  course of your visit to our website, and they expire when you close the  web browser.

Persistent Cookies

Persistent  cookies are used to remember your preferences within the website and  remain on your desktop or mobile device even after you close your  browser or restart your computer. We use these cookies to analyse user  behavior to establish visit patterns so that we can improve our website  functionality for you and others who visit our website(s). These cookies  also allow us to serve you with targeted advertising and measure the  effectiveness of our site functionality and advertising.

How Are Cookies Used for Advertising Purposes?

Cookies  and ad technology such as web beacons, pixels, and anonymous ad network  tags help us serve relevant ads to you more effectively. They also help  us collect aggregated audit data, research, and performance reporting  for advertisers. Pixels enable us to understand and improve the delivery  of ads to you and know when certain ads have been shown to you. Since  your web browser may request advertisements and web beacons directly  from ad network servers, these networks can view, edit, or set their own  cookies, just as if you had requested a web page from their site.  Although we do not use cookies to create a profile of your browsing  behavior on third-party sites, we do use aggregate data from third  parties to show you relevant, interest-based advertising. We do not  provide any personal information that we collect to advertisers. You can  opt out of off-site and third-party-informed advertising by adjusting  your cookie settings. Opting out will not remove advertising from the  pages you visit, but, instead, opting out will result in the ads you see  not being matched to your interests. This implies that the ad(s) you  see will not be matched to your interests by those specific cookies.

How Are Third Party Cookies Used?

For  some of the functions within our websites we use third party suppliers,  for example, when you visit a page with videos embedded from or links  to YouTube. These videos or links (and any other content from third  party suppliers) may contain third party cookies, and we encourage you  to consult the privacy policies of these third-party vendors on their  websites for information regarding their use of cookies.

How Do I Reject and Delete Cookies?

You  can choose to reject or block all or specific types of cookies set by  virtue of your visit to our website by clicking on the cookie  preferences on our website(s). You can change your preferences for our  website and/or the websites of any third-party suppliers by changing  your browser settings. Please note that most browsers automatically  accept cookies. Therefore, if you do not wish cookies to be used, you  may need to actively delete or block the cookies. If you reject the use  of cookies, you may still be able to visit our website; however, some of  the functions may not work correctly, and you may find your ability to  use the website impaired, possibly substantially. You may also visit www.allaboutcookies.org for details on how to delete or reject cookies and for further  information on cookies generally. You may also opt-out of third-party  cookies and beacons by visiting www.youradchoices.ca . However, in so doing, some websites may not function properly or  optimally. By using our website without deleting or rejecting some or  all cookies, you agree that we can place those cookies that you have not  deleted or rejected on your device. The following is a typical list of  some common Cookie types that we use or intend to use in the future,  with an explanation of their functionality:

Cookies

Google Analytics:

We  use Google Analytics to understand how our media campaigns work and how  you interact with our website in order to improve the user experience.

Google tracking cookies:

Google  tracking cookies enable us to understand if you complete certain  actions on our website(s) after you have seen or clicked through one of  our adverts served via Google. Based on the content you have engaged  with on our websites Google are able to deliver some targeted adverts  across other Google partner websites.

Facebook:

Facebook  helps you stay in touch with your network through their website/ mobile  application. We make it easier for you to share any content of interest  on Facebook and sometimes, we may present with some targeted adverts on  Facebook based on your engagement with our website(s).

LinkedIn:

The  LinkedIn insight tag allows us to perform campaign reporting and unlock  valuable insights about website visitors that may come via the  campaigns we run on LinkedIn.

Twitter:

Twitter  provides real time updates from across the globe on the latest trending  stories, ideas and opinions from the Twitter accounts or hashtags that  you choose to follow. We make it easier for you to share our website  content over Twitter. At times, we may present you with some ads on  Twitter based on your engagement with our website(s).

YouTube:

We  embed videos or insert links to videos from YouTube on our website(s).  As a result, when you visit a page with content embedded from or linked  to YouTube, you may be presented with cookies from YouTube.

B. Other Information Sharing

Viver  Health Inc. may send you commercial electronic messages to an email  address or other electronic address that you have provided to us. We may  ask for your express consent, or we may rely on implied consent if you  have made an inquiry, purchased a product or service from us, entered  into a written agreement with us, or in other limited circumstances. If  you do not wish to receive commercial electronic messages from us, you  may withdraw your consent at any time using the unsubscribe link in the  message or by contacting us as indicated below. Please note that you  will still receive commercial electronic messages that we are required  to send to you by law or for which consent is not required, such as  confirmations of transactions or information about your account.

C. Third Party Sites

Viver  Health Inc. websites may contain links to other third-party sites that  are not governed by our Privacy Policy. Although we endeavor to link  only to sites with high privacy standards, our Privacy Policy will no  longer apply once you leave this website. We are not responsible for  privacy policies employed by other third parties or any foreign  affiliates since they would be governed by privacy legislation  applicable in their country of residence. We suggest, therefore, that  you examine the privacy statements of those sites to learn how Personal  Information may be collected, used and/or disclosed.

DOES VIVER HEALTH INC. COLLECT INFORMATION FROM CHILDREN?

Our  websites are not directed to children, and we do not knowingly collect  personal information from children on our websites. By using our  website, you represent that you are at least the age of majority in your  state or province of residence, or that you are the age of majority in  your state or province of residence, and you have authority to submit  any information submitted on behalf of any of your minor dependents.

ADDRESSING COMPLAINTS AND SUGGESTIONS

You  may ask questions about our compliance with this Privacy Policy. We  have policies and procedures to receive, investigate and respond to  complaints and questions regarding this Privacy Policy and our receipt,  collection, use and disclosure of Personal Information. Complaints will  be investigated and where a complaint is found to be justified, we will  take appropriate measures, including amending our policies and  practices, when necessary. You may contact us to make a complaint,  express any concerns or to request access to your Personal Information.

CONTACT US

If you have any questions relating to this Policy, please contact us at:

Viver Health Inc.

5500 Explorer Drive, 3rd Floor
Mississauga, Ontario
L4W 5C7, Canada
Telephone: 1-855-633-4971
Email: Jramos@viver.ca

CHANGES TO THIS POLICY

We  reserve the right to modify this Privacy Policy at any time, so please  review it frequently. Changes and clarifications will take effect  immediately upon their posting on our website. If we make material  changes to this Privacy Policy, we will notify you here that it has been  updated, so that you are aware of what information we collect, how we  use it, and under what circumstances, if any, we use and/or disclose it.  If our company is acquired or merged with another company, your  information may be transferred to the new owners so that we or the new  owners may continue to provide services to you.

This Policy was last updated on June 27, 2023.