Principle Two: Identifying Purposes ~ Full Text


The purposes for which personal information is collected shall be identified by Wawanesa before or at the time the information is collected.

2.1 Wawanesa will collect personal information only for the purposes of

  • establishing and maintaining communications with Customers;
  • underwriting risks on a prudent basis (i.e. assessing application(s) for insurance, including renewals, and underwriting policies);
  • investigating, evaluating and paying claims;
  • detecting and preventing fraud;
  • disclosure to property and casualty insurance industry service providers as dictated by prudent insurance practices;
  • offering and providing property and casualty insurance products and services to meet Customer needs;
  • compiling statistics and analyzing business results; and
  • acting as required or authorized by law

Wawanesa takes a global approach to these purposes. In other words, Wawanesa is not collecting personal information just for any one of the purposes (e.g. underwriting a policy). Instead, Wawanesa is collecting the personal information for all of the purposes so that, in effect, a Customer can expect that although Wawanesa may initially use the data for underwriting a policy, it may later use it for claims purposes, and vice versa.

2.2 Wawanesa understands that, in collecting information for the purposes referred to in principle 2.1, Wawanesa or its designates may collect only that information which is necessary for such identified purposes.

2.3 The identified purposes will be communicated to Customers or other persons from whom the personal information is being collected. This may be done orally or in writing (e.g. on an application form, or through pamphlets or other suitable media).

2.4 When personal information that has been collected is to be used for a purpose not previously identified, the new purpose will be identified before use. Unless the new purpose is required by law, the consent of the Customer will be obtained before the information is used for that purpose.

2.5 Individuals collecting personal information on behalf of the Company are able to explain to Customers the purposes for which the information is being collected.