Privacy Policy

Your privacy is important to us. We want you to understand how we safeguard your personal information and what types of information we receive and collect when you visit our website.

Personal Information and online security

When you visit, you are anonymous unless you choose to identify yourself. You are not required to provide any personal information to use our website, unless a feature requires it. For example, if you choose to request an ‘online life insurance quote’ you will enter your contact information so an advisor can contact you.

Shelter Bay Financial Corp will not use your information for any other purpose than to contact you and provide the requested information. 

Although we have physical, electronic and procedural safeguards that we believe are adequate to protect personal information, any such systems may be subject to human and operational error. In particular, because the Internet is an open system, we cannot and do not guarantee that personal information entered by you online will not be misappropriated, intercepted, modified, deleted or used by others. 

Online data collection tools: Improving and evaluating website functionality and effectiveness, like many websites, sometimes gathers data, such as your IP address, regarding how visitors explore our websites – information about the number of new and repeat visitors, where on the website a visitor explores, how long they visit, where they are geographically located and similar details.

We may also track how many users visit advertisements promoting our products and services that appear on other company websites. All such information is collected in an aggregate form and is used to improve our website’s performance and functionality, create a better experience for our visitors and measure the response to web marketing campaigns.

Shelter Bay Financial Corp or its agents on our behalf collect this information through the use of cookies and electronic images known as web beacons.

What are cookies and web beacons?

A cookie is a small piece of information that a website sends to our computer where it is stored on our hard drive. The next time you visit our website, we may use the information stored on your cookie to make your visit easier.

A cookie does not tell us your identity unless you have chosen to provide it to us. Cookies cannot access other information or files from your computer. There are 2 types of cookies – session cookies and permanent or persistent cookies.

A session cookie (sometimes called a ‘transient’ cookie) is erased when you close your Internet Browser and leave our website. In the United Kingdom, only session cookies are used.

A ‘permanent’ cookie is a file that remains on your computer when you close your Internet browser. A permanent cookie can be read only by the website that created the cookie when you revisit that site. Permanent cookies are not used in all of our jurisdictions.

Cookies can identify a visitor only if the visitor has uses a website’s login feature. If you ask us to save your access ID to be used the next time you visit our website, we will use a permanent cookie to store your access ID in an encrypted format on your computer so that the next time you visit the website you will be recognized when you sign in. In this way, the website can recall your preferences and provide a more customized experience.

Permanent cookies have expiry dates and are automatically deleted from your computer after their expiry date. You can also clear your stored cookies via your browser preferences on your computer. However, unless you have settings that disallow cookies, the next time you visit our website, a new cookie will be added. You can set your website browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.

Since the procedure for altering preferences varies by browser you should check the ‘Help’ menu of your browser to learn how to alter your cookie preferences. Please note, however, that rejecting cookies while visiting a Shelter Bay Financial Corp website may result in certain parts of the website not functioning correctly or as efficiently as if cookies were allowed.

The permanent cookies that may be placed on your computer by the Google Display Network relating to web marketing campaigns are used to increase the relevance of display ads you may see when you visit other websites that are serviced by the Google Display Network. To opt out of these cookies, select the opt out button on the Google Privacy Center page.

Web beacons are a collective term used to refer to ‘pixel tags’, ‘web beacons’ or ‘clear GIF images’ embedded in a web page and usually invisible to the user. Web beacons are used for many of the same purposes as cookies, allowing Shelter Bay Financial Corp or its agents on behalf of Shelter Bay Financial Corp to compile aggregate statistics about website usage patterns, such as how many times a link or an area on a website is clicked.

All the information collected by any of these online tracking tools is non-personal and is not used in connection with any other information that could identify you personally unless you have entered your access ID and password or provided it to us through your permanent cookie.

We may share the site visit information obtained using cookies, web beacons and other similar technologies with Google Analytics or other agents to analyze online activity on our websites or in reaction to our online advertisements.

Links to websites outside of Shelter Bay Financial Corp

To provide website visitors with more information that may be helpful to them, some of our websites contain links to other websites that are not affiliated with or maintained by Shelter Bay Financial Corp.

We do not monitor the privacy policies of these third-party sites, and do not have authority over them. As a result, we do not assume any responsibility for the data collection policies and procedures of these sites.

Collection of personal information from children

Shelter Bay Financial Corp websites are not directed at children. Our member company websites do not knowingly collect information from children under the age of 18.

*Please be aware that we may update and modify this online privacy statement at any time. 

**Please review this section each time you access and/or use our websites. 

Toggle This