MACLAGAN INC.

 

   
Privacy-Page-header

Server logs
Like most web sites, Maclagan Inc. keeps server logs of accesses to its sites, but we use this information only to analyze general traffic patterns (e.g. what pages are most/least popular) and to perform routine system maintenance. These logs are used internally to determine what sections of our site are being accessed so that we may improve our site. These logs do not contain personally identifiable information such as your name or e-mail
address.

Cookies
Cookies are bits of information that are stored on your computer by your browser. Cookies are not used unless there is a direct enhancement to your web browsing experience. We do not tie cookies to any personally identifiable information.

You may choose to disable cookies without affecting your browsing or shopping experience. Consult your browser's documentation for information on how to do this.

OUR COMMITMENT TO PRIVACY

Protecting your privacy and the confidentiality of your personal information has always been fundamental to the way we do business and is the responsibility of every employee of Maclagan Inc. We strive to provide you with the best customer service. The range of products and services we offer our groups and benefit plan participants continues to expand and the technology we use continues to change. But, no matter how our business changes, we are committed to protecting and respecting your right to privacy and confidentiality.

Maclagan Inc. is committed to the protection of any personal information collected by it or in its custody, including any information transferred to a third party to fulfill the purposes for which the information was collected.

Personal information includes any information, recorded or not, about an identifiable individual. Examples of personal information that are identifiable include names, age, sex, social insurance numbers, health status, health history, financial information, benefit claims data, etc. It also includes information which can be matched with other information in order to establish an individual's identity.

OUR PRIVACY CODE

Our privacy code informs you of our policies and procedures on privacy and tells you about the ways we ensure that your privacy and the confidentiality of your personal information is protected. The code is based on the Model Code for the Protection of Personal Information, a nationally recognized standard developed by the Canadian Standards Association (CSA). Our adoption of this code sends a powerful message to the general public that we have policies and procedures in place that control the collection, use and disclosure of personal information; it also reinforces our existing commitment to customer service.

Our privacy code balances the privacy rights of our groups and benefit plan participants, and our employees with the legitimate information requirements to provide customer service and to meet our human resource requirements.

It consists of the following key principles:

1. We ask for your personal information for the following purposes:

  • To establish your identification.
  • To provide you and/or your dependants with the applicable benefit coverage.
  • To protect you and us from error and fraud
  • To provide ongoing services

2. Consent
When you first become a benefit plan participant of Maclagan Inc., your personal information is obtained and used only with your consent. We obtain your consent before we:

  • provide benefit coverage.
  • offer you other Maclagan Inc. services.
  • obtain, use or disclose to other persons, information about you unless we are obliged to do so by law or to protect our interests.
  • use your personal information in any way we did not inform you about previously.

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/or your dependents with benefits; when you submit a claims form, you are giving us written consent to use your personal information to reimburse you for benefit costs that you incur.

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 Maclagan Inc. and/or Canadian Benefit Administrators Ltd. and/or Esorse Inc. to obtain payment for the service rendered, and for Maclagan Inc. and/or Canadian Benefit Administrators Ltd. and/or Esorse Inc. to process the related claim for payment.

For our existing groups and benefit plan participants, we will continue to use and disclose your personal information previously collected in accordance with our current privacy code, unless you inform us otherwise. We will infer that consent has been obtained for the continued use or disclosure of your personal information by the processing of any existing or future benefit claims that you submit for reimbursement.

3. Withdrawal of 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.

If you don't consent to certain uses of personal information, or if you withdraw your consent, we will not be able to administer your benefit coverage. If so, we will explain the situation to you to help you with your decision.

4. Exceptions to Consent
We may collect, use or disclose personal information without your consent only:

(a) for an emergency that threatens your life, health or security. We will subsequently inform you of this disclosure.

(b) if we must disclose personal information for legal reasons. We may be compelled to release this information by a court of law or other legal or regulatory authority. If so, our policy is to disclose the information only to the extent required.

(c) where collection is required to investigate inappropriate activity, such as the submission of fraudulent information, and the knowledge and consent of the individual would compromise the availability or accuracy of the information.

5. We Protect Your Personal Information From Error, Loss and Unauthorized Access
Our employees who have access to your personal information are made aware of how to keep it confidential. 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.

6. Your Personal Information is Destroyed When It Is No Longer Needed
We keep your personal information only so long as we need it for the products and services you are using, to offer you products and services when you are a group and benefit plan participant and for a reasonable time thereafter, or to meet any legal, regulatory, or tax requirements. We have retention standards, which meet these  requirements. We destroy your personal information when it is no longer needed, or we remove your name from the information.

7. You Can Obtain and Verify the Accuracy of Your Personal Information
You can check your personal information to verify its accuracy. To update and correct it, and to have any incorrect information removed, you must contact us and/or tell your plan sponsor to advise us of these changes.

There is no charge for verifying or correcting your personal information. Depending on the circumstances, there may be a minimal charge for personal information that you request. We will inform you if there is a charge.

Please note that we may not be able to provide information about you from our records if it contains references to other persons, is subject to legal privilege, contains information proprietary to Maclagan Inc., is too costly to retrieve, or cannot be disclosed for other legal reasons. If we have obtained information about you from other people, upon your request, we will let you know the person or organization we got it from.

8. We Correct your Personal Information
Whenever possible, we will correct any personal information which we may have given to an outside organization. If a third party, such as a third party benefit plan administrator 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.

9. You can find out to whom we have given information about you.
If you ask, we will let you know the names of outside companies or organizations we've given personal information to, or direct you to the appropriate individual to ask for such information.

10. We Respond to Your Request Promptly.
We will deal quickly with your request to see your personal information and always respond to you promptly.

11. We protect other people's privacy when we make personal information available to
you. There may be files that include information about you and other benefit plan participants, or that have information confidential to Maclagan Inc. or are the property of Maclagan Inc. Because we must protect everyone's confidentiality and legal rights, we cannot make these files available to persons outside of Maclagan Inc. However, we will make available to you any factual information about you contained in such files.

12. We monitor our compliance with the Maclagan Inc. Privacy Code and are committed to upholding this Code. We have policies and procedures in place to assist our employees in adhering to the Maclagan Inc. Privacy Code.

If you have any questions or complaints about our Privacy Code, or about how we are living up to them, let us know right away.

13. Resolving Your Concerns Are Important To Us
Maclagan Inc. is committed to treating you with the greatest respect and consideration, and providing the highest level of service. If you have any concerns or questions about privacy and confidentiality or any other concerns about the way a request for personal information was handled, you can take the following actions:

Contact the Maclagan Inc. Chief Operating Officer

Call the Office of the Maclagan Inc. Chief Operating Officer at 1-905-554-0875

Or write to:
Chief Operating Officer
Maclagan Inc.
19 Peony Street
Markham, Ontario L6B 1K9

FAX the Office of the Maclagan Inc. Chief Operating Officer at 1-905-294-2235

The Maclagan Inc. Chief Operating Officer's office will acknowledge your complaint. Within two weeks of receiving your inquiry, the Maclagan Inc. Chief Operating Officer will write or call to tell you 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.

14. If Your Concern Remains Unresolved

If your concern remains unresolved, please contact:

The Office of the Privacy Commissioner of Canada
112 Kent Street
Ottawa, Ontario
K1A 1H3

Telephone: 1-613-995-8210
Toll Free: 1-800-282-1376
FAX: 1-613-947-6850
WEB SITE: www.privcom.gc.ca
E:mail: info@privcom.gc.ca


Your use of this website constitutes acceptance of our Terms of Use. To view our Terms of Use, click here.