IDENTIFIED PURPOSES

Renfrew only collects, uses and discloses Personal Information for the following purposes:

• Offering and providing insurance and related products and services to you;
• Establishing and maintaining communications with you;
• Verifying your identity and the accuracy of your Personal Information with government agencies, industry associations, brokers or other insurers;
• Analyzing and assessing risks on a prudent basis;
• Determining and facilitating your payment of fees and premiums;
• Investigating and paying claims;
• Detecting and preventing fraud or other illegal activities;
• Compiling statistics;
• Complying with the law or the requests of law enforcement agencies or regulators; and
• Notifying you of certain products or services offered by Renfrew.

In this Privacy Policy, the above list of identified purposes will be referred to as the "Identified Purposes".

CONSENT

Your knowledge and consent of Renfrew's collection, use and disclosure of your Personal Information is critical. We rely on the following actions by you as indications of your consent to our existing and future Personal Information practices:

• Your voluntary provision of Personal Information directly to Renfrew or through an insurance broker or representative for the purpose of acquiring an insurance contract or financial service or product (including information previously provided to Renfrew);
• Your express consent or acknowledgement contained within a written, verbal or electronic application process;
• Your consent solicited by Renfrew (or our agent) for a specified purpose;
• Your receipt of this Privacy Policy, until you notify Renfrew of a withdrawal of this consent; or
• Your consent given through your authorized representative such as a legal guardian, agent or holder of a power of attorney.

Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw this consent at any time. Renfrew will inform you of the consequences of withdrawing your consent.

In some cases, refusing to provide certain Personal Information or withdrawing consent for Renfrew to collect, use or disclose your Personal Information could mean that we cannot provide you with insurance coverage or other requested products, services or information. If you wish to withdraw your consent to be notified of marketing initiatives, please call us at 1-800-661-9897.

LIMITING COLLECTION AND RETENTION OF PERSONAL INFORMATION

Renfrew will only collect, use, or disclose Personal Information that is necessary for the Identified Purposes or as required by law. If we require Personal Information for any other purpose, you will be notified of the new purpose, and subject to your consent, that new purpose will become an Identified Purpose. Renfrew will only collect Personal Information by fair and lawful means. We will retain Personal Information only as long as necessary for the fulfillment of the Identified Purposes.

ACCURACY

Renfrew will maintain your Personal Information as provided and consented to for the Identified Purposes.

SAFEGUARDS

Renfrew will protect your Personal Information by security safeguards appropriate to the sensitivity of the information. Safeguards will vary depending on the sensitivity, format, location, and storage of the Personal Information.

ACCOUNTABILITY, OPENNESS AND CUSTOMER ACCESS

Renfrew is responsible for all Personal Information under its control and has designated a Privacy Officer who is accountable to our Board of Directors for Renfrew's compliance with this Privacy Policy.

If you have any questions about this Privacy Policy or your Personal Information, please call us at 1-800-661-9897. When you call us, we may confirm your identity by asking you to confirm certain Personal Information and you may be directed to send us certain requests in writing.

CHALLENGING COMPLIANCE

A copy of this Privacy Policy (and any future updates) can be obtained from our website at www.renfrew-insurance.com. If you are not satisfied with Renfrew's response to a privacy related inquiry or complaint, you may contact the Office of the Information and Privacy Commissioner during business hours at 1-888-878-4044 or at www.oipc.ab.ca.

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^† Renfrew Insurance Ltd.
^* In this Policy "customer" "you" or "your" includes any individual who has requested, applied for or been supplied with, products or services (including claims services) by Renfrew including any other individual for whom the customer has acted as agent, guardian or representative.