Lowest Rates Inc. operating as LowestRates.ca ("LowestRates.ca”) believes that your personal information deserves protection and subscribes to the privacy principles laid out in the Personal Information Protection and Electronic Documents Act (PIPEDA). Our Privacy Policy details certain policies implemented throughout LowestRates.ca, governing LowestRates.ca's use of personal information about users of our site and users of services available through this site (the “Services”) as well as about users who have submitted one of our forms or otherwise provided consent.
Privacy policy updates
Due to the Internet's rapidly evolving nature, LowestRates.ca may need to update this Privacy Policy from time to time. If so, LowestRates.ca will post its updated Privacy Policy on our site located at www.lowestrates.ca and we may send registered users an email, so you are always aware of what personal information we may collect and how we may use this information. If any modification is unacceptable to you, you shall cease using this site and the Services. If you do not cease using this site and the Services, you will be deemed to have accepted the change.
If you have questions or complaints regarding our privacy policy or practices, you may contact our Privacy Officer, Umair Suria, in the following ways:
By email: info@lowestrates.ca
By regular mail: Lowest Rates Inc., 1910 Yonge Street, Suite 401, Toronto, ON Canada M4S 3B2
Information collection and use
You can generally visit our site without revealing any personal information about yourself. However, in certain sections of this site and when you use our services, we may invite you to contact us with questions or comments, request quotes or information, post content and other materials, participate in a user forum or blog, or complete a registration form.
Due to the nature of some of these activities, we may collect personal information that you submit such as your name, contact data (address, email address, phone number), gender, driver’s license number, income level and other financial information, license information, username, password, age or date of birth and employment information as well as personal information collected through cookies as described below. We may also collect additional personal information that you voluntarily include in your postings or transmit with your communications to us. Other users will be able to view who has posted certain content or documents.
We may use your personal information to deliver requested services or information, provide you, or have our third-party service partners (as described in the Disclosure Section below) provide you, with notices regarding goods or services you may be interested in purchasing in the future, register you to use our site and services, verify your authority to enter our site and to improve the content and administration of the site and our services.
Opting out of electronic communication
When you request a quote for insurance or mortgage rates, make an inquiry about products, services and information on this site, you are expressly choosing to, and opting-in to, have LowestRates.ca transfer your personal information to our third-party service partners and for such third-party service partners to provide your personal information to other businesses who provide financial products or services (such as loans and mortgages) that match your inquiry. The third-party service partners may contact you regarding your inquiry and financial products and services.
In general, we seek consent to use your personal information in accordance with our opt-out policy. Implied consent is obtained when you submit an inquiry for a quote on our website. Express consent is obtained when you submit an inquiry for a quote and indicate that you wish to receive electronic communication for related financial products and services.
You may withdraw your consent to receiving electronic communications from us at any time by following the opt-out instructions provided in each communication or by emailing us at info@lowestrates.ca.
Children's privacy
LowestRates.ca recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children's online activities and interests. This site is not intended for children under the age of 13. LowestRates.ca does not target its Services or this site to children under 13. LowestRates.ca does not knowingly collect personal information from children under the age of 13.
Cookies
Cookies are small text files stored on a user’s hard drive containing a unique identification number used to identify your computer. Cookies are used on most websites and collect personal information, including your IP address, browser type, device ID, and your preferences. Browsers will automatically accept or reject cookies, or notify you each time a cookie is set by a website you visit. LowestRates.ca, directly and through third party partners, uses cookies to enhance your experience on the site. We may collect data to better understand who you are to help you have a better experience on our site.
If you would like more information, please send us an email at info@lowestrates.ca.
It is possible to turn them off within your preferred web browser preferences. However, please understand that by taking this action, you may not be able to experience all portions of our website as designed and to their fullest user functionality.
Aggregate information
The site may track the total number of visitors to our site, the number of visitors to each page of our site, and we may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personal information. We may use such aggregate information to analyze trends, administer the site, track users' movement, and gather broad demographic information for aggregate use.
Disclosure
We may provide your personal information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing our services to you. Once personal information is shared with a third-party service partner, the retention schedule of the third-party service partner applies. We may disclose your personal information and your communications on this site when we reasonably believe we are required to do so by law, or when we deem it appropriate or necessary to provide such information to law enforcement authorities.
We will not sell your personal information to any company or organization except we may transfer your personal information to a successor entity upon a merger, consolidation or other corporate reorganization in which LowestRates.ca participates or to a purchaser of all or substantially all of LowestRates.ca's assets to which this site relates.
Links to third party sites
The site may provide links to other websites or resources over which LowestRates.ca does not have control ("External Websites"). Such links do not constitute an endorsement by LowestRates.ca of those external websites. Your use of external websites is subject to the terms of use and privacy policies located on the linked to those sites.
Security
We may employ procedural and technological security measures that are reasonably designed to help protect your personal information from loss, unauthorized access, disclosure, alteration or destruction, appropriate to its level of sensitivity. LowestRates.ca may use secure socket layer and other security measures to help prevent unauthorized access to your personal information.
This Privacy Policy was last updated: May 31, 2023
