The property and casualty insurance industry and more specifically Kingsway Financial Services Inc. and its Canadian subsidiaries ("the Companies") have recognized that the privacy and protection of personal information is an important issue. We have developed these Privacy Guidelines to describe our commitment to privacy, and explain the principles that guide us in protecting the privacy and confidentiality of your personal information.

Personal Information is broadly defined as information about an identifiable person. It includes but is not limited to, health and financial information, your driving record and prior insurance experience.

The Companies, its directors, officers, employees and other persons and organizations who act for, or on behalf of the Companies, are required to comply with these Privacy Guidelines.

Access to personal information is restricted to directors, officers, employees and other persons and organizations who act for, or on behalf of the Companies, who need the information in order to provide services to our clients or the Companies.

1. Accountability
   The Companies are responsible for personal information under their control, including information that may be transferred to a business partner performing services for the Companies.
2. Identifying Purposes
   The Companies identify the purpose for which they collect personal information either before or at the time that the information is collected.
3. Consent
   The knowledge and consent (which may be implied or express) of the customer are required for the collection, use, or disclosure of personal information, except where inappropriate.
4. Limiting Collection
   The Companies only collect personal information that is necessary for the purposes identified. Information shall only be collected by fair and lawful means.
5. Limiting Use, Disclosure and Retention
   Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the customer or as required by law. Personal information shall only be retained as long as necessary for the fulfillment of those purposes.
6. Accuracy
   Personal information shall be as accurate, complete, and current as is necessary for the purposes for which it is to be used.
7. Safeguards
   The Companies protect the security and confidentiality of personal information with safeguards appropriate to the sensitivity of the information.
8. Openness
   The Companies Privacy Guidelines are available to clients and the public. Upon written request to the corporate compliance officer, we will provide a copy of these guidelines, and respond to inquiries about our practices relating to personal information.
9. Customer Access
   Upon request, a customer shall be informed of the existence, use, and disclosure of their personal information and shall be given access to that information. Customers shall have the ability to challenge the accuracy and completeness of the information and have it amended as appropriate.
10. Challenging Compliance
    A customer shall have the ability to challenge the Companies compliance with the above principles with the Corporate Compliance officer.

The Companies will not sell customer information or lists to others for marketing or other related purposes.

Any concern, inquiry or request related to privacy should be made in writing. Send or e-mail to: