Privacy Policy
How we collect, use and protect your personal information.
Effective date: January 1, 2026
1. Introduction
PGI Canada Ltd. and its affiliates (PGI, we, our, or us) respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose and safeguard your information when you visit our website, use our services, or otherwise interact with us.
By using our services, you acknowledge this Privacy Policy. Where required by law, we will obtain your consent for specific data practices, for example certain marketing communications or optional cookies. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.
2. Information we collect
Personal information you provide
We may collect personal information that you voluntarily provide when you:
- Apply for Personal Guarantee Insurance coverage
- Create an account or register for our services
- Request a quote or contact us for information
- Subscribe to our newsletter or marketing communications
- Submit a claim or request policy service
- Participate in surveys or promotions
This information may include contact details, business information, financial information such as loan details and guarantee amounts, identity verification information collected for KYC compliance and fraud prevention, and account credentials.
Information collected automatically
- Device information such as IP address, browser type and operating system
- Usage data such as pages visited, time spent and click patterns
- Approximate location derived from IP address
- Cookies and similar tracking technologies
Information from third parties
We may receive information about you from credit reporting agencies, business information providers, lenders and financial institutions, and insurance carriers and underwriters. We obtain credit and business information to evaluate eligibility, price coverage, prevent fraud and service claims. We do not collect more information than necessary for these purposes.
3. How we use your information
We use the information we collect to provide and administer services, communicate with you, process claims, send marketing with your consent, analyze how our services are used, meet legal and regulatory obligations, and detect and prevent fraud.
4. How we share your information
We may share your information with insurance carriers and underwriters, service providers who act on our behalf under contractual protections, business partners involved in your transaction such as lenders and brokers, legal authorities where required by law, and counterparties in corporate transactions such as mergers or asset sales.
What we do not do
- We do not sell or share your personal information for third-party marketing or targeted advertising.
- We do not use your data to make lending decisions. PGI is an insurer, not a lender.
- We do not change your lender rights under your personal guarantee.
We may use aggregated or de-identified information to improve our services and analyze trends. This information cannot reasonably be used to identify you.
5. Data security
We implement appropriate technical and organizational security measures, including encryption, secure servers, access controls and regular security assessments. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
6. Data retention
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting or reporting requirements. For insurance policies, we typically retain records for the duration of the policy plus the applicable statute of limitations. We securely delete or anonymize personal information when it is no longer required, subject to legal holds and regulatory retention requirements.
7. Your rights and choices
Depending on your location, you may have rights to access, correct, delete or port your personal information, and to opt out of marketing communications.
Canadian privacy rights
Canadian residents have rights under PIPEDA and applicable provincial privacy laws, including access to and correction of personal information. You may also file a complaint with the Office of the Privacy Commissioner of Canada or the applicable provincial commissioner.
U.S. state privacy rights
Residents of certain U.S. states may have additional rights, including to opt out of the sale or sharing of personal information, opt out of targeted advertising and certain profiling, limit the use of sensitive personal information, appeal a privacy decision, and exercise their rights without discrimination.
8. Cookies and tracking technologies
We use cookies and similar technologies to understand your browsing activity and improve your experience. We use necessary cookies required for the website to function, analytics cookies to understand usage, and marketing cookies where applicable.
Where required by law, we provide a cookie preference tool to accept or reject optional cookies. You can also control cookies through your browser settings, though disabling necessary cookies may limit certain features.
9. Third-party links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.
10. Children privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.
11. International transfers
Your information may be transferred to and processed in countries other than your country of residence, which may have different data protection laws. We use contractual and organizational safeguards to protect information processed by service providers in other jurisdictions.
12. Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the new policy on this page and update the effective date. We encourage you to review it periodically.
13. Contact us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a complaint about our data practices, please contact our Privacy Officer through our contact page. We will acknowledge your request and respond within the timeframes required by applicable law. If you are not satisfied with our response, you may escalate your complaint to the applicable privacy regulator in your jurisdiction.
Questions about this document? Contact us and our team will respond within one business day.