Why we need your personal information
GEM collects, uses and may disclose your information for the following purposes:
How we collect your personal information
GEM collects your personal information directly from you and your insurer. GEM also collects personal information from third parties, when necessary, but not without first obtaining your express written consent.
How we obtain consent from you
GEM informs you why it needs your personal information before obtaining your consent. Consent may be inferred from your voluntary disclosure of your personal information. GEM shall also obtain your express consent, orally or in writing, in most of the situations where your information is collected or disclosed. GEM will obtain your consent when it is needed for a purpose not first identified to you. GEM records your consent in your file.
Disclosure and Use of your Personal Information
No personal information is disclosed to a third party without your written consent, unless the disclosure of your personal information is permitted or mandatory under Canadian Federal and Provincial Laws. GEM will make sure your consent is enlightened, by informing you of the purpose for which we need to disclose the information. GEM also discloses your personal information to the following parties, when necessary for the performance of their duties: your insurer, affiliates of GEM, GEM employees and third parties engaged by GEM to provide services. GEM limits the disclosure by disclosing only the personal information necessary for the accomplishment of the purpose previously identified to you.
Withdrawing your Consent
You may withdraw your consent or refuse to have your information collected, used or disclosed for any purpose previously indicated to you. In certain circumstances, your consent may be required for legal or contractual reasons. In these circumstances, withdrawing or withholding your consent may affect our ability to offer services to you or, for example, your insurance coverage or your right to indemnification under an insurance contract may be affected. For more details, please contact our Privacy Officer (see Questions, Request for Access, Concerns below.)
Safeguarding your Personal Information
Your personal information is recorded in well-identified physical or electronic files. Physical files are stored in a secured area with limited access and kept safely so that their content remains protected from unauthorized access. Electronic documents are also kept on secured databases and our Information Technology Department ensures that their integrity and accuracy are preserved. Access to these databases is restricted and systems are protected, in particular, through the use of firewalls.
At GEM no documents, disks, or any other physical or electronic document containing personal information can be discarded without first ensuring and verifying that it cannot be restored. All documents containing personal information that is no longer required are destroyed.
Accessing your Personal Information
GEM verifies the identity of the requestor before giving access to personal information. In some cases an administrative fee will be applicable. You can have access to your file by sending a written request. Upon reception of the written request, GEM prepares a copy of the file and sends it to you only. If you believe that the information is not up to date or not accurate, GEM will, at your request, amend or correct it if it is found to be deficient. For more details on how to access your Personal Information, please contact our Privacy Officer (see Questions, Request for Access, Concerns below). Under exceptional circumstances, access may be denied by GEM.
Retention of your Personal Information
GEM keeps your personal information as long as it is necessary to achieve the purposes for which it was collected and to satisfy legal and contractual requirements.
Questions, Request for Access, Concerns
If you have any questions, if you wish to access your personal information, if you wish to challenge GEMs management of your personal information or have any other concerns relating to your personal information, please call at 1-866-566-1130 (toll free) or +1 819-566-1130 and ask for our Privacy Officer. You may also contact our Privacy Officer at:
If you are not satisfied with our response you may contact:
If you are a Quebec resident:
Commission daccès à linformation
If you are not a Quebec resident:
The Privacy Commissioner of Canada