Privacy Policy

Effective Date: January 1, 2026

1. Introduction

PGI Canada Ltd., PGI America Ltd., and their 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

2.1 Personal Information You Provide

We may collect personal information that you voluntarily provide to us 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 information (name, email address, phone number, mailing address)
• Business information (company name, title, business financials)
• Financial information (loan details, guarantee amounts, credit information)
• Identity verification information (date of birth, government ID numbers)—collected for KYC compliance, fraud prevention, and policy administration; access is limited to authorized personnel
• Account credentials (username, password)

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Approximate location data (derived from IP address)
• Cookies and similar tracking technologies

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Credit reporting agencies
• Business information providers
• Lenders and financial institutions
• 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 for various purposes, including:

• Providing Services: Processing applications, underwriting policies, and administering coverage
• Communication: Responding to inquiries, sending policy documents, and providing customer support
• Claims Processing: Evaluating and processing insurance claims
• Marketing: Sending promotional materials and updates about our services (with your consent)
• Analytics: Understanding how users interact with our website and services to improve our offerings
• Compliance: Meeting legal and regulatory obligations
• Security: Detecting and preventing fraud, unauthorized access, and other harmful activities

4. How We Share Your Information

We may share your information with:

• Insurance Carriers: Underwriters who assess and provide coverage
• Service Providers: Third parties who perform services on our behalf (payment processing, data analytics, customer service). Service providers are contractually required to protect personal information and use it only to provide services to PGI.
• Business Partners: Lenders, brokers, and other partners involved in your insurance transaction
• Legal Authorities: When required by law, court order, or government request
• Corporate Transactions: In connection with mergers, acquisitions, or asset sales

We do not sell your personal information to third parties for their marketing purposes. We do not "share" personal information for cross-context behavioral advertising as defined under applicable state privacy laws.

4.1 What We Do NOT Do

To be clear about our practices:

• 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's rights under your personal guarantee.

We may use aggregated or de-identified information to improve our services, conduct research, and analyze trends. This information cannot reasonably be used to identify you.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its 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. The retention period may vary depending on the context of the processing and our legal obligations.

For insurance policies, we typically retain records for the duration of the policy plus the applicable statute of limitations period for potential claims. 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 certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Unsubscribe from marketing communications
• Portability: Request transfer of your data to another service provider

7.1 U.S. State Privacy Rights

Residents of certain U.S. states (including California, Colorado, Connecticut, Virginia, and Utah) may have additional rights under applicable state privacy laws, including:

• The right to opt out of the sale or sharing of personal information (note: we do not sell or share your information for these purposes)
• The right to opt out of targeted advertising and certain profiling
• The right to limit use of sensitive personal information
• The right to appeal a decision regarding your privacy request
• The right to designate an authorized agent to make requests on your behalf
• The right to non-discrimination for exercising your privacy rights

7.2 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 applicable provincial commissioner.

To exercise these rights or to appeal a decision, please contact us using the information provided below. We will respond within the timeframes required by applicable law.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device that help us improve your experience and understand how you use our website.

We use the following categories of cookies:

• Necessary cookies: Required for the website to function properly (e.g., session management, security)
• Analytics cookies: Help us understand how visitors use our website (e.g., Google Analytics)
• Marketing cookies: Used to deliver relevant advertisements (if applicable)

Where required by law, we use a cookie preference tool to allow you to accept or reject optional cookies (such as analytics or marketing cookies). You can also control cookies through your browser settings. However, disabling necessary cookies may limit your ability to use certain features of our website.

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. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not directed to individuals under the age of 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. These countries may have different data protection laws. We use contractual and organizational safeguards to protect information processed by service providers in other jurisdictions, including requiring them to maintain appropriate security measures and limiting their use of your information to the services they provide to us.

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 notify you of any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

13. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have a complaint about our data practices, please contact our Privacy Officer:

Email: [email protected]
Website: pgicover.com/contact

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.