Privacy Policy

WiseInsur (“WiseInsur,” “we,” “us”) operates a technology platform — this website and the WiseInsur apps for iOS and Android — that helps people in Canada understand their insurance needs, review the policies they have, and compare quotes from licensed agents and brokers. This policy explains what personal information we collect, how we use it, and the choices you have. WiseInsur is a technology platform and does not itself sell, underwrite, or issue insurance.

Information we collect

• Account information — your name, email, and role (individual, agent, or broker) when you create an account. We email a six-digit code to confirm your address, and to reset a forgotten password.
• Sign-in with Google — if you choose to sign in with Google, we receive your name, email address, and profile picture from Google to create or access your account. We do not receive your Google password.
• Information you provide for a quote or a needs profile — the details an advisor needs to price coverage. Depending on the coverage, this includes dates of birth, home and mailing addresses, vehicle details such as the VIN, driving history, property details, current insurer and premium, and your budget or income and net worth ranges. For life insurance it also includes health-related answers you choose to give, such as tobacco use, height and weight, and whether you have major health conditions.
• Policies, documents and photos — policies you add, and files you upload such as a declarations page, a renewal notice, a quote document, or a profile photo.
• Messages and bookings — messages you exchange with an advisor in the platform, questions and answers on a quote request, and calls or in-person meetings you request.
• Approximate location (apps only, and only when you ask) — if you tap “Near me” to find advisors nearby, the app asks your device for an approximate location, rounds it to about one kilometre, and sends it with that one search. We do not store it, and the app never tracks your location in the background. You can type a postal code or city instead.
• Notifications — if you turn on push notifications, we store the notification token your device is given, so we can send updates about your requests and messages. You can turn notifications off in your device settings, and email updates off in your account.
• Membership and payments — if you subscribe, payment is processed by Stripe on the website, by Apple on iOS, or by Google Play on Android. We receive limited details such as the plan, its status, and the store’s transaction identifier; we never receive your full card number.

How we use your information

• To create and secure your account, and to confirm your email address.
• To generate indicative comparisons and needs and policy reports for you.
• To pass your request to the licensed advisors you choose, or who serve your coverage and province, so they can quote.
• To send updates about your requests, quotes, messages and renewals, by notification and email.
• To process membership subscriptions and provide customer support.
• To operate, maintain, and improve the platform, and to comply with legal obligations.

What advisors see

An advisor who receives your request sees what a quote needs — including dates of birth, addresses and a VIN — but not your full name, email or phone. Your last name shows as an initial and the street of a mailing address is held back. Your email and phone are shared only with the advisor whose quote you accept. You can block or report an advisor at any time, and a blocked advisor receives nothing from you.

When we share information

We share your information only as needed to provide the service: with the licensed agents or brokers you ask us to connect you with; with service providers who operate the platform on our behalf — Stripe, Apple and Google Play for payments, Google for sign-in, Resend for email, Firebase (Google) for notifications, and Google Maps for turning an advisor’s office address into map coordinates; and where required by law. We do not sell your personal information, and we do not use it for advertising.

Your choices and rights

You may access, correct, or delete your information. In the apps, Me → Delete account removes your account and personal data; on the website, use wiseinsur.ai/account/delete, or email us and we will do the same. You can turn email updates off in your account or from the link in any update email, turn notifications off in your device settings, and refuse or withdraw the location permission without losing any other feature. You can disconnect Google sign-in at any time from your Google account settings.

Data retention & security

We keep personal information for as long as your account is active or as needed to provide the service and meet legal requirements, then delete or anonymize it. Approximate location used for a nearby search is not stored at all. Information is encrypted in transit, and the apps store your session on your device in encrypted form. We use reasonable technical and organizational measures to protect your data.

Children

WiseInsur is meant for adults arranging their own insurance. It is not directed to children, and we do not knowingly collect personal information from anyone under 18.

Changes to this policy

We may update this policy from time to time. Material changes will be posted on this page with an updated date above.

Contact us

Questions or requests about your privacy? Email wiseinsur@wiseinsur.ca, or write to WiseInsur, 300-2 Simcoe Street South, Oshawa, ON L1H 8C1, Canada.