PRIVACY
our commitment
Your trust is extremely important to
us. We also feel that protecting your privacy and personal information is an integral part of fostering and maintaining this relationship of trust between Optimal Travel™ and our clients. Protecting your privacy and personal information is consequently something that we take to heart.
The collection, use, and disclosure of your personal information are essential to our activities. Our compliance with insurance industry standards and our commitment to protecting your personal information allows you to conduct business with us with total peace of mind. Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended, if needed. We are committed to handling the personal information under our control with care.
We have designated individuals who are responsible for monitoring our ongoing compliance with those Privacy Principles.
privacy
Information provided by you through our Site is used for Optimal Travel™/Optimal Financial Centre Inc. business purposes only in order to service your needs as a customer.
information we collect
Personal information refers to information that identifies you and pertains to you directly. We only collect information about you that is required to provide you with your request. The kind of information that we need depends on the nature of the product or service concerned, whether a travel insurance, a traditional life insurance product or service.
The personal information we request typically includes: Basic information such as your name, address, telephone and fax number, e-mail address, or date of birth. Also, your medical information based
on the type of travel insurance you are purchasing.
We may also ask for additional information to help us provide you with pertinent advice and information on other products and services of possible interest to you.
mail terms service
By providing Optimal Travel™ your email address, you agree to receive quotes information from the information that was provided on the site, for us to provide rate information. We also periodic provide product announcements, specials, early bird specials and account notifications including renewals from us. You may cancel these communications at any time by clicking the unsubscribe link in the footer of the actual email.
protect your personal information
Optimal Travel™ uses the latest technologies and reviews regularly
its security standards to ensure that your personal information is protected against unauthorized access, consultation, or use. We exercise all due diligence to ensure that all our employees, representatives, agents, and service providers comply with our policies and practices with respect to the protection of personal information.
Optimal Travel™ / Optimal Financial Centre Inc.’s privacy assurance is our commitment to you that we take every reasonable precaution to protect your personal information. Through SSL encryption, the certificate assures that information is kept private between our web server and our clients' web browsers
Questions or concerns
If you have any questions or wish to withdraw your consent to the collection, use, or disclosure of your personal information, please contact Optimal Travel™ Compliance Officer at the following address:
Att: Compliance Officer – Optimal Travel™ / Optimal Financial Centre Inc.
425 Notre-Dame St., Dieppe NB 888-450-4950 or email: compliance@optimalcentre.ca
legal
our legal statement
Travel Insurance quotes being provided by Optimal Travel™ / Optimal Financial Centre Inc. are based on the information you, the user provides. All quotes are subject to verification by our insurance suppliers. Please ensure that all information’s provided is accurate in order to avoid delay or denial of coverage.
In the event that there are any discrepancies between the quotes being provided by Optimal Travel™ and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern.
The benefits and services provided through Optimal Travel™ website system are subject to the terms, conditions and limitations of the applicable agreement(s) governing them.
Although the contents of this Website are deemed reliable when posted, Optimal Travel™ / Optimal Financial Centre Inc. cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice. The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.
Under no circumstances should you regard any information you may access on this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quote through this Website does not constitute a binder of insurance coverage. The application may be used by Optimal Travel™ to provide an estimate of the terms, conditions, and costs of coverage. All quotes may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Website-visitors must carefully review their own insurance policies.
Governing laws
This site is operated by Optimal Financial Centre Inc. (O/A Optimal Travel™) is a Federal corporation with a head office in New Brunswick. Optimal Travel™ and its staff holds Life and/or Accident & Sickness insurance agent licenses in the geographic areas served. Optimal Travel™ work through and only with licensed insurance agents who offer travel insurance for their clients. This Website is not intended as a solicitation for insurance in any country, state or province where Optimal Financial Centre Inc. or its affiliates are not licensed.
payment
When a client accept the offer from a quote, of a specific product from an insurance company, the payment will be automatically be processed by insurance provider for your Travel and Medical Insurance policy.
Governing laws
The insurance laws of the Province of New-Brunswick and the federal corporate laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the Site.
You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of New-Brunswick in any action or proceeding instituted under or related to this Agreement or your use of the Site.
If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers listed on the Optimal Travel™ Website reserve the right to refuse to issue an insurance contract based on this fact.
All products offering will be provided by a licensed insurance agent.
links
This Website may contain links to other sites on the World Wide Web, other than the Outsourced Areas. Links to outside sites do not constitute or imply endorsement by Optimal Travel™ / Optimal Financial Centre Inc. of the linked site or any material contained within. Access to those sites are at your own risk. They are Not Endorsements Links from this Website to other Websites, or references to products, services or publications other than those of Optimal Travel™ and its subsidiaries and affiliates, do not imply the endorsement or approval of such Websites, products, services or publications by Optimal Travel™ / Optimal Financial Centre Inc. or its subsidiaries and affiliates
copyright trademarks
All contents of this Website are the copyright of Optimal Travel™ and Optimal Financial Centre Inc. and are protected under the copyright laws of Canada. Any infringement of Optimal Travel™ rights will result in appropriate legal action.
In addition, certain information on this Website may be copyrighted by others.
All information, data, text, graphics, images, software, code, metadata, links, audio, and video files, all online tools, and all other materials forming part of the website (collectively, the “Content”) are the property of Optimal Travel™ unless otherwise noted.
disclaimer
The information on this website does not constitute your official policy documents. All information on this website is provided for reference only. Policy wording, definitions, translations, product details, coverage limits, and plan details are subject to change at any time, without notice prior to a purchase and delivery of the policy from the insurance company offering the product. The information on this site does not constitute a solicitation. The contract will be governed by the laws of the province of New Brunswick, Canada in all respects including matters of construction, validity, and performance. All purchase coverage contract will be provided by a licensed insurance company in Canada.
Although the contents of this Website are deemed reliable when posted, Optimal Travel™ has made every effort to provide accurate and updated information about our providers, but cannot guarantee this information from the provider to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice. When you purchase coverage, the proper documents from the insurance company will be provided.
The purchase of a policy confirms acceptance of the policy wording, terms, conditions, limits, and exclusions set out therein. Optimal Travel™ and its insurance providers and affiliates are not responsible for differences between the information found on this site and the actual coverage provided. The insurance contract shall govern.
* Conditions, limitations and exclusions apply. Always refer to policy wording for complete details.
If you have any questions about your coverage with Optimal Travel™ / Optimal Financial Centre Inc., please contact us
at 1-888-450-4950 or by email at info@optimaltravel.ca
code of conduct
code of conduct
our code of professional conduct
We are proud members of Advocis (The Financial Advisors Association of Canada), IFB (Independent Financial Brokers), theInstitute for Advanced Financial Education and the FPSC (Financial Planners Standards Council)
1) priority of client’s interest
An Advocis Member shall act with integrity.
2) integrity
An Advocis Member shall act with integrity.
3) competence
An Advocis Member shall act competently.
4) diligence
An Advocis Member shall act diligently.
5) Disclosure
An Advocis Member shall act transparently.
6) professionalism
An Advocis Member shall act in a manner that reflects positively upon all other Advocis Members.
7) confidentiality
An Advocis Member shall respect and protect the privacy of others and the confidentiality of client information.
8) respect of the law
An Advocis Member shall act in accordance with the spirit and principles of the law.
always WITHIN YOUR REACH
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