Green Shield Canada (“GSC”, “we”, “us”, or “our”) respects your privacy and is committed to protecting it through our compliance with this policy.
This policy describes:
- How we collect, receive, use, share, disclose, process, and protect the personal information of our customers (collectively, “you” or “your”)
- The types of information we may collect from you
- Our practices for collecting, using, maintaining, protecting, and disclosing that information
We will only use your personal information in accordance with this policy unless otherwise required by applicable law. We take steps to ensure that the personal information that we collect about you is adequate, relevant, not excessive, and used for limited purposes.
GSC follows ten privacy principles based on the same privacy principles outlined in Canada's Personal Information Protection and Electronic Documents Act.
We are responsible for the personal information under our control. We have specific people who make sure that we stay compliant with this policy.
► Learn more
Our Privacy Officer is responsible for overseeing our privacy program, which includes policies, procedures and staff training to ensure that our employees are adhering to these privacy principles. GSC's internal audit department also regularly monitors the adherence to these privacy principles. See section 10 of this policy for the contact information of our Privacy Officer.
2. Identifying purposes
We will clearly identify the purposes for which we are collecting personal information before or at the time of collection. When we authorize other parties to collect information on our behalf, they do the same.
We ask for your personal information for various purposes related to the administration of your benefits plan, including:
- To provide you with benefits coverage
- To transfer personal information with other benefit carriers for the coordination and continuation of benefits
- To bill and collect premiums
- To process claims and administer the products and services we provide including, as necessary, communication with you as well as with service providers relating to the services provided by them
- To protect you and us from errors, misrepresentations, fraud, and/or contravention of laws or criminal activity
- To audit, investigate and take steps as may be needed and connected to the prevention or suppression of suspected or proven improper or fraudulent claims
- To communicate with Plan Sponsor(s) and Employers, as applicable, with respect to any claims for services not covered by the benefit plan
- To confirm your identity and the accuracy of your information
- To perform medical underwriting
- To analyze data to help us make decisions and improve the products and services we offer
- To combine GSC data with external data for health management purposes or programs that we offer
- To facilitate sharing of data to monitor health outcomes
- To anonymize the personal information and to use that anonymized information in studies, reports and other programs that we offer
- To perform any other activities that a reasonable person would consider associated with the administration of the benefits plan
We need your consent to collect, use, share and disclose your personal information, with some limited exceptions as determined by law. These limited exceptions can include times where legal, medical, or security reasons make it impossible or impractical to seek consent. You can withdraw your consent any time after you've given it to us, provided there are no legal or regulatory requirements to prevent this.
► Learn more about how we obtain your consent
Your consent can be either express or implied. Express consent can be verbal or written. For example, when you sign an enrollment form you are giving us written consent to use your personal information to provide you and your dependents with benefits.
Consent can be implied or inferred from certain actions. For example, if you present your benefit identification card to a pharmacist/dentist in lieu of paying for a prescription/dental procedure, it can be implied as consent for the pharmacist/dentist to provide your personal information to GSC to obtain payment for the service rendered, and for GSC to process the related claim for payment and provide other services.
We may collect, use or disclose your personal information without your consent in the following limited circumstances:
- Emergencies that may threaten your life, health or security. We will subsequently inform you of this disclosure.
- For legal reasons. We may be compelled to release your information by a court of law or other legal or regulatory authority. In those instances, we will only disclose the information that we are legally required to provide.
- For the purposes of investigating a breach of an agreement or a contravention of laws that has been, is being, or is about to be committed and it is reasonable to expect that disclosure with your knowledge or consent would compromise the investigation.
- For the purposes of detecting or suppressing fraud or of preventing fraud that is likely to be committed and it is reasonable to expect that the disclosure with your knowledge or consent would compromise the ability to prevent, detect or suppress the fraud.
- In accordance with provisions provided for in the Personal Information Protection and Electronic Documents Act.
► Learn more about how to withdraw your consent
We will accommodate any requests to withdraw your consent for us to collect, use, keep, or disclose your personal information, subject to legal or contractual restrictions and reasonable notice. If you withdraw your consent, we will no longer be able to process and reimburse your claims under your benefits plan.
4. Limiting collection
We will limit the collection of your personal information to that which is needed for the purposes identified by us or as otherwise permitted by law.
Depending on the product or service, we may collect or receive personal information about you, including:
- Your name, address, telephone number(s), email address, birth date, claims history, service providers you have visited, banking information, salary or other identifying information.
- Information on how you use our products and services, including through our websites and other electronic means, and your preferences for certain products, demographics, interests and lifestyle activities.
We may collect or receive personal information from:
- Completed applications and forms
- Your interactions with us
- Your advisor or other representative(s)
- Your plan sponsor or employer, if applicable
- Your plan sponsor or employer's insurance advisor and/or plan administrator, if applicable
- Your doctor, pharmacist and/or other medical and health professionals
- Medical facilities or providers
- Professional regulatory bodies (e.g. College of Pharmacists)
- Governmental agencies
- Industry drug pooling entity
- Other carriers with which you have or have had coverage
- Third party service providers that provide or have provided services related to the benefit plan (such as, but not limited to payroll, enrolment, claims handling services, travel assistance benefits providers, paramedical service providers)
- Third parties to whom you have provided your consent for the collection of your personal information for health-related programs
5. Limiting use, retention and disclosure
We will only use or disclose personal information for the purposes for which it was collected and consented to, or as otherwise required by law. We will keep the personal information only for as long we need to serve those purposes, or as required by or allowed by law.
Depending on the product or service, we may disclose personal information to:
- People, financial institutions and other parties we work with to administer the products and services we provide
- Authorized employees, agents and representatives who need the information to complete their duties for us
- Your advisor and any agency we work with that has direct or indirect supervisory authority over your advisor, and their employees
- Your employer and benefit plan sponsor, as may be reasonably necessary to properly administer the benefits plan
- Any person or organization you give consent to
- People who are legally authorized to view your personal information
- Service providers who need this information to perform their services for us. Examples of the services include: data processing, data storage, administration of your benefits, printing and distribution services, claims analysis and fraud detection, health management programs
- People, organizations, and investigative bodies who work to prevent, detect, or investigate suspected fraud, breaches of agreement, or contravention of law.
► Learn more about how long we keep your personal information
We keep your personal information as long as we need to for managing the products and services we provide you and for a reasonable time thereafter in order to meet our legal, regulatory and tax requirements. We have retention standards, which meet these requirements. We destroy your personal information when we no longer need to retain it, or we de-identify the information.
We will endeavour to ensure personal information under our control is accurate, complete, and as up-to-date as possible in order to properly satisfy the purposes for which it is to be used.
► Learn more
You can check your personal information to verify its accuracy. You can ask our Customer Service Representatives by phone at 1-888-711-1119 to obtain the personal information we hold about you, or if you have signed up for online access, you may visit our website at www.greenshield.ca and log on to the Plan Member section. There is no charge for verifying your personal information; however, depending on the circumstances, there may be a minimal charge for the retrieval of personal information that you request. We will inform you if there is a charge. If you identify information that requires correction, we will assist you in identifying the appropriate means to have the correction(s) made.
Whenever possible, we will correct any personal information which we may have given to an outside organization. If a third party has given us personal information which you tell us is wrong, we will give you the name and address of that party so that you can correct the information directly with them.
To protect your personal information from intrusion, release or misuse, we will use appropriate physical, administrative and technological safeguards that match the sensitivity of the information under our control.
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Our employees who have access to your personal information are made aware of how to keep it confidential. As a condition of employment with GSC, all employees sign an agreement requiring all information that they have access to be treated confidentially. They are also required to participate in annual security and privacy awareness training programs. We have security standards to protect our systems and your personal information against unauthorized access and use. This protects your personal information at all times when it is stored in data files or handled by our employees.
Your personal information will be kept in a secure environment using appropriate technical, physical and organizational measures designed to protect the information against accidental or unlawful destruction or accidental loss, damage, alteration, unauthorized disclosure or access, as well as other forms of unlawful processing until it is no longer needed for the administration of the benefits plan, or as long as necessary for record retention and legal compliance purposes.
Although the sharing of personal information is inherently risky, we implement commercially-acceptable procedures to ensure our systems are secure. We will notify you in the event of a systems security breach resulting in the unauthorized release of your personal information where we assess a real risk of significant harm to you or your dependents.
We will make information about our policies and procedures and how we manage your personal information available to you. In order to make a written request, see section 10 of this policy for the contact information of our Privacy Officer.
9. Individual access
Please note that we may not be able to provide information about you from our records if it:
- is prohibitively costly to provide;
- contains references to other individuals;
- cannot be disclosed for legal, security or commercial proprietary reasons;
- is subject to solicitor-client or litigation privilege; or
- cannot be disclosed for any other reason.
10. Questions, concerns or inquiries
We are committed to answering and resolving any privacy related questions, concerns and enquiries.
Please feel free to contact GSC's Privacy Officer:
|•||By mail:||Privacy Officer
Green Shield Canada
5140 Yonge St., Suite 2100
Toronto, Ontario M2N 6L7
The GSC privacy office will acknowledge receipt of your enquiry. Within 30 days of receiving your enquiry, GSC's Privacy Officer will write or call to tell you if the problem has been resolved, or, in more complex cases, advise you what further steps are being taken and when you may expect a resolution.
If your concern remains unresolved, please contact:
Office of the Privacy Commissioner of Canada
30 Victoria Street
Toll Free: 1-800-282-1376
Changes to this policy
Our Voice Recognition Program
GSC's Interactive Voice Recognition Program (“IVR”) system is a secure method for accessing your personal information when you call us as well as a simpler way for you to do business with us, while we continue to protect both you and us against fraud, misrepresentations and other errors.
1. Your consent
When you enroll in our IVR system, you give us consent use your voiceprint password to confirm your identity.
We will only collect information that is pertinent and consistent with this Policy.
Every time you call us after you have enrolled in our IVR system, your voiceprint will be authenticated and you will either be transferred to one of our representatives or to an IVR self-service function. Your voiceprint will be used to replace other methods of verification such as questions asked by our representatives.
We will only use your voiceprint to confirm your identity; it will not be used to reverse engineer, reuse or recreate your voice.
- GSC's authorized employees, agents and representatives who need the information to complete their duties for us
- Service providers who need this information to perform their services for us
- People, organizations, and investigative bodies who work to prevent, detect, or investigate suspected fraud, breaches of agreement, or contravention of law
3. Withdrawing your consent
You may withdraw your consent for us to use your voiceprint but doing so will prevent you from using the voiceprint password system in the future, unless you re-enroll. If you choose to withdraw your consent for any reason, your voiceprint will be de-activated and retained in accordance with this Policy or as permitted by law.