Privacy Policy

Last Updated: 16 June, 2023

1. Introduction

At Canprop  License (“we,” “us,” “our”), we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website, apply for general license products (including vehicle, real estate, and business licenses), or purchase life and health insurance policies through our services.

By accessing our website or utilizing our services, you consent to the data practices described in this policy.

2. Information We Collect

To provide you with comprehensive licensing and insurance services, we must collect specific personal, financial, and health-related information.

• Personal Identification Information: Name, date of birth, Social Security Number (or national ID), driver’s license number, and passport details.

• Contact Information: Email address, mailing address, and phone numbers.

• Financial Information: Bank account details, credit/debit card numbers, credit history, and income details required for underwriting or billing.

• Health and Medical Information: Medical history, current health status, and lifestyle habits (e.g., smoking status) strictly required for the underwriting of life and health insurance policies.

• Professional and Business Information: Business registration documents, tax IDs, real estate portfolios, and professional certifications necessary for business and real estate licensing.

• Automatically Collected Data: IP addresses, browser types, device information, and website usage data collected via cookies and tracking technologies to improve our digital experience.

3. How We Use Your Information

We use the information we collect strictly for legitimate business purposes, including:

• Processing Applications: To facilitate the approval of your vehicle, real estate, and business licenses with the appropriate regulatory authorities.

• Underwriting and Insurance Services: To evaluate risk profiles, provide accurate policy quotes, and administer life and health insurance plans.

• Account Management: To process premium payments, send renewal notices, and manage policy amendments or cancellations.

• Customer Support: To respond to your inquiries, advocate for you during claims processes, and resolve administrative issues.

• Compliance and Legal Obligations: To comply with state, federal, and local laws, and to detect, prevent, or investigate potential fraud.

4. How We Share Your Information

Canprop License does not sell, rent, or trade your personal data to third-party marketers. We only share your information with trusted third parties under the following circumstances:

• Government and Regulatory Agencies: We must share your application data with local, state, or federal authorities to secure your vehicle, business, or real estate licenses.

• Insurance Carriers and Underwriters: We share your risk profile, financial data, and medical information with our partnered insurance carriers to issue and maintain your life and health policies.

• Service Providers: We may share data with third-party vendors who assist us in operating our business, such as payment processors, IT support, and secure document storage facilities. These providers are bound by strict confidentiality agreements.

• Legal Requirements: We will disclose your information if required by law, subpoena, court order, or to protect the rights, property, and safety of Canprop License, our clients, or the public.

5. Data Security

We implement robust, industry-standard administrative, technical, and physical security measures to protect your sensitive information. This includes data encryption, secure socket layer (SSL) technology for online transactions, and restricted access to physical files. While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet or electronic storage is 100% secure.

6. Data Retention

We retain your personal information only for as long as is necessary to fulfill the purposes outlined in this Privacy Policy, or as required by legal, tax, or regulatory mandates. Once your data is no longer needed, it is securely deleted or anonymized.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: The right to request a copy of the personal data we hold about you.

• Correction: The right to request that we correct any inaccurate or incomplete information.

• Deletion: The right to request the deletion of your personal data, subject to legal and regulatory retention requirements (especially regarding insurance records).

• Opt-Out: The right to opt-out of non-essential marketing communications.

To exercise any of these rights, please contact us using the information provided below.

8. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices or regulatory requirements. Any modifications will be effective immediately upon posting the updated policy on our website, with the “Last Updated” date revised accordingly.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how your data is handled, please contact our Compliance and Privacy Team at:

Canprop License

• Email: support@canpropltd.com