Fortress Insurance Privacy Policy

Effective Date: November 1, 2025

1. Introduction

Fortress Insurance Company (“we,” “us,” or “our”) is committed to protecting the privacy and confidentiality of personal information. “Personal information” means recorded information that is reasonably capable of identifying an individual. Personal information does not include information that has been anonymized according to generally accepted best practices and in such a way that it no longer allows an individual to be identified, whether on its own or in combination with other information.

This Privacy Policy outlines how we collect, use, disclose, and safeguard personal information in compliance with Canadian federal and provincial privacy laws, including the Personal Information Protection and Electronic Documents Act (“PIPEDA”).

2. Types of Personal Information Collected

We collect personal information necessary to provide our insurance products and services, including:

Identification and contact information (e.g., name, address, phone number, email)
Financial information (e.g., bank account and payment details)
Employment history
Business revenue (if applicable)
Current and past insurance claims information

3. Methods of Collection

Personal information is collected through various means, including:

Direct interactions (e.g., when you apply for insurance, file a claim, or contact us
Third-party sources (e.g., medical professionals, credit agencies, government bodies)
Digital interactions (e.g., website visits, online forms, cookies, tracking technologies)

4. Use of Personal Information

We use personal information for reasonable purposes including:

Assessing and processing insurance applications
Underwriting and issuing insurance policies
Administering insurance policies
Processing and settling insurance claims
Providing customer service and account management
Detecting, investigating, and preventing fraud
Complying with legal and regulatory requirements
Conducting research and improving our services

5. Disclosure of Personal Information

We do not sell personal information. However, with consent, we may disclose information to:

Third parties who provide us with services including underwriting insurance applications or processing claims
Medical and healthcare professionals and institutions
Financial institutions including reinsurers and third parties to process payments processors
Any purpose for which your consent has been obtained

We may also disclose personal information without consent to law enforcement, regulators, or government agencies when required by law.

6. Protection of Personal Information

We implement industry-standard security measures to protect personal information, including:

Physical safeguards (e.g., restricted access to facilities)
Organizational safeguards (e.g., privacy procedures, staff training)
Technological safeguards (e.g., encryption, firewalls, secure data storage)

7. Consent

We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law. Depending on the circumstances and the sensitivity of the personal information, consent may be:

Express (e.g., signing a form)
Implied (e.g., providing information voluntarily or using web-based forms)
Given by an authorized representative (e.g., power of attorney)

You may withdraw your consent, subject to legal or contractual restrictions. However, withdrawal of your consent may prevent us from providing our services to you.

8. Accuracy

We will make reasonable efforts to ensure that your personal information is kept as accurate, complete and up-to-date as reasonably necessary. We will not routinely update your personal information, unless such a process is necessary. We expect you to update to your personal information as needed.

9. Client Rights

You have the right to:

Request access to your personal information
Challenge the accuracy or completeness of your personal information in our records and request corrections
Withdraw consent for a specific use
Inquire about how your personal information is collected, used, or disclosed

Requests can be made by contacting our Privacy Officer (details below).

9. Retention of Personal Information

We retain personal information only as long as necessary to fulfill the identified purposes or as required by law. Secure disposal procedures are in place when information is no longer needed or required by law.

10. Cookies and Digital Tracking

Our website may use cookies and similar technologies to improve user experience. You can manage your cookie preferences through your browser settings.

11. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in legal requirements or business practices. The latest version will always be available on our website.

12. Contact Information

If you have any questions, concerns, or requests regarding your personal information, please contact:

Privacy Officer Rosalva Ortega
Fortress Insurance Company 1050, 736 6th Avenue S.W. Calgary, Alberta, T2P 3T7 Email: rortega@fortressinsurance.ca.

By using our services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy and revised from time to time.