Our contact details
Name: CYTI Developments Limited
Address: 2400 - 333 Bay Street, Toronto, ON, M5H 2T6
Who are we?
Compare Your Travel Insurance (CYTI) is a trading name of CYTI Developments Limited and is an insurance product comparison service provider. We are the data controller for any of your personal information that you provide us with when you access or use our services. This means we decide how your data is processed.
At CYTI, we take protecting your personal information very seriously, and we want you to understand how we use your information and who we share it with.
This policy sets out how we collect, process, use and store your personal information and who we share it with, and why.
We reserve the right to update this policy at any time.
What is personal information?
Personal information is any information that can be used to identify an individual. This can be things such as a name, address, financial details, email address, IP address, or telephone number.
It can also include special categories of personal information like medical details or criminal convictions and offences.
What types of personal information do we collect?
We currently collect and process the following information:
Personal data and contact information – we use this data to obtain comparative quotes for travel insurance. Examples of this type of information are:
- Email address.
- Telephone numbers.
- Date of Birth.
- IP address.
Special category information - we sometimes need to collect information that is particularly sensitive relating to your medical history. We need to collect this type of data when it is required for the type of insurance you are looking to purchase, for example, travel insurance for pre-existing medical conditions. CYTI has extra protections in place for this data and will only collect this information when it is necessary for the performance of an insurance contract.
Children and minor’s personal information – Our services are not directed towards children under the age of 16 and we do not knowingly collect or store their personal information without obtaining parental consent.
Marketing consent - We record your consent and marketing preferences so we know how you want us to market to you.
We also collect and store information relating to how you accessed and used our site, for example:
- The time you spent on each page.
- Where you accessed our site from.
- Number of occasions visiting our site.
- Details of any quotes you requested.
- What pages you visited when on our site.
It is your responsibility to ensure the information you provide us with is correct, complete, and accurate.
How do we get your personal information?
From you directly - most of the personal information we process is provided to us directly by you when you request a quote or contact us to find out information on a product or service. We are unable to provide quotes without this information.
From our insurance providers and partners – we obtain certain information from the insurance providers on our panel and the partners we provide our comparison service to. This will include details of whether you went on to purchase the policy and general sales information. If you make a claim on your policy or you make a complaint, we may share information to help the provider deal with your case.
From you using our website and services – we collect data from your visits to our website to help us improve our services and learn more about customer behaviour. If you use our webchat service we keep a record of this for auditing and quality control purposes.
From third parties – if you have been introduced to our site by one of our partners they will sometimes provide us with personal information that you have shared with them before accessing our services, for example, name or email address.
How do we use your personal information?
We use the information that you have given us in order to:
- provide you with the insurance product comparison services you have requested;
- administer the insurance product(s) you have purchased;
- share with our insurance providers and partners to allow them to provide you with the service you have requested, such as a quote or information on an insurance product;
- send you information about other services or products we offer and other marketing communications. We will only send you this type of information if you have provided us with your consent and will only contact you via the preferences you have selected. You can withdraw your consent at any time by using our unsubscribe service;
- send you confirmation of your quotes via email;
- send you a reminder of an annual policy due to expire;
- tell you about any changes to our services and products;
- carry out statistical analysis to help improve our sales and service, websites, product offering, processes and procedures;
- market research purposes;
- to comply with legal and regulatory requirements;
- track sales information;
- assist you with your application.
Who do we share your personal information with?
We may share this information with the following parties:
- Our appointed representatives.
- Our regulators, fraud prevention agencies and law enforcement.
- If we are under any duty to disclose your personal information for the purposes of detecting or preventing financial crime.
- In connection with the sale or potential sale of our business;
You have the right to object to our use of your personal information at any time. If you wish to object please get in touch at firstname.lastname@example.org.
Purpose of processing
Providing quotations; arranging and administering insurance policies.
Provision of information on products and services (Marketing).
To notify you of changes in our service.
To prevent and detect fraud, money laundering and other financial crimes.
To meet general legal or regulatory obligations.
Transferring your data outside of Canada
If one of our third-party suppliers is based outside of Canada, the information we collect from you may be accessed via, transferred to, or stored at this location. CYTI take all reasonable steps to ensure your information is handled and protected in the same way as it would be in Canada.
How long do we store your personal information?
Unless a longer period is required by law, you can request that we delete your data by contacting us on the details provided within this policy.
Your data protection rights
You have the right to ask us for copies of your personal information, as well as the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
You have the right to ask us to erase your personal information in certain circumstances.
Please contact us at email@example.com if you wish to make a request and we will respond to your request within a reasonable timeframe.
If you have any concerns
We are committed to providing you with the very best level of service and care. We realise that things can go wrong, and there may be occasions when you feel that we have not provided the service you expected. When this happens, we want to hear about it so we can try and put things right.
Please provide your name and contact telephone number as well as a clear and concise reason for the complaint.
You can also complain to the Office of the Privacy Commissioner of Canada (OPCC) if you are unhappy with how we have used your data.
The OPCC’s address:
Office of the Privacy Commissioner of Canada
30, Victoria Street
Phone: (819) 994-5444
Your insurance product providers