Privacy Commitment

Our unique and forward-thinking programs are paving the way for the new generation of Employee Benefits programs. We are focused on each organization’s unique fingerprint, in order to achieve the healthy pro-active outcomes that will produce positive results for every employer’s bottom line. Having this approach has made industry experts for new emerging companies that have the same interests in this benefits space.

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 outlines our policies and procedures on privacy and describes the ways we ensure that your privacy and the confidentiality of your personal information is protected. It is based on the ten privacy principles outlined in Canada’s Personal Information Protection and Electronic Documents Act also known as PIPEDA. Our adoption of these principles 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:

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 access to other services of Mapleston Benefits Consulting Inc. (dba Core Benefits).

When you first become a plan participant of Mapleston Benefits Consulting Inc (dba Core Benefits), your personal information is obtained and used only with your consent.

We obtain your consent before we:

• Provide benefit coverage or offer you other 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.

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.

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:

We may collect, use or disclose personal information without your consent only;

1. a) for an emergency that threatens your life, health or security. We will subsequently inform you of this disclosure.
2. (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.
3. (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.

Our employees who have access to your personal information are made aware of how to keep it confidential. As a condition of employment with Mapleston Benefits Consulting Inc (dba Core Benefits), each employee signs an Agreement requiring all information that they have access to be treated confidentially. They are also required to participate in annual security and privacy awareness training programs. 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.

Our employees who have access to your personal information are made aware of how to keep it confidential. As a condition of employment with Mapleston Benefits Consulting Inc (dba Core Benefits), each employee signs an Agreement requiring all information that they have access to be treated confidentially. They are also required to participate in annual security and privacy awareness training programs. 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.

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.

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 Mapleston Benefits Consulting 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.

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

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.

We will deal quickly with your request to see your personal information and always respond to you promptly.

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.

Resolving Your Concerns Are Important To Us