Upholding Your Privacy Rights

CDSPI provides the insurance plans and the investment plans which comprise the Canadian Dentists’ Insurance Program and the Canadian Dentists’ Investment Program. CDSPI also administers a program of Affinity Services for eligible participants such as the Members’ Assistance Program. CDSPI Advisory Services Inc. is a licensed insurance agency which provides service and advice in connection with the Canadian Dentists’ Insurance Program and the Canadian Dentists’ Investment Program. CDSPI and CDSPI Advisory Services (“we” “us” “our”) collect, use, retain, and sometimes disclose, personal information in order to provide program-related services to individuals.

Why We Require Personal Information

We require personal information for program related-purposes (the “program purposes”) such as:

• Processing requests to participate in one of the programs;

• Billing for program-related services;

• Claims administration in connection with the Insurance Program;

• Statistical purposes to assess program and marketing performance;

• Advising participants of changes to the programs, including additions or enhancements to existing programs; and

• Providing administrative services in connection with the programs.

We also require personal information in order to promote those products and services which comprise the programs and to promote other products and services which may be of interest (the “optional purposes”). We do not disclose personal information to other organizations for marketing purposes.

If an individual does not wish us to use their personal information for the optional purposes, they may contact the Information Access Officer at the address set out below.

What Personal Information Do We Collect, Use and Retain?

Our files may contain a copy of an individual’s application(s) for insurance coverage or for investment or affinity products. We may also have other information which pertains to any such application(s). We may receive and retain information about insurance claims, the investment accounts or the affinity services of program participants. We retain such information, subject to legal and regulatory requirements, only for so long as is necessary to provide participants with program services.

How We Use This Information

We collect and use the information that we require in order to provide or support the administration of insurance, investment and affinity services. We may also collect information to assist us in understanding the financial and affinity service needs of eligible program participants. Where information is not required by us to support or provide a program-related service we indicate that the information is optional. An individual is not required to provide optional information as a condition of receiving any of the program services.

Who Has Access To This Information?

Any information provided to us in connection with obtaining an insurance, investment or affinity service shall be provided to the provider of such service, such as an insurance company. If you participate in the Canadian Dentists’ Insurance Program and/or the Canadian Dentists’ Investment Program and are a member of the Canadian Dental Association (CDA), we share your name and address with the CDA. This is optional. A CDA member who does not want us to provide their name and address to the CDA should advise us in writing.

Personal information in the possession of any insurance, investment or affinity service provider is subject to the personal information practices and privacy standards of such provider. Use or disclosure of your personal information other than as described above will only be made with your consent or where we are obliged or permitted to do so by law.

Your Access To Our Information

An individual may request to review his or her personal information in our files. An individual may also request a correction to such personal information. Requests for access and/or correction should be made in writing to:

The Information Access Officer
CDSPI or CDSPI Advisory Services Inc.
155 Lesmill Rd., Toronto, Ontario M3B 2T8

Phone: 1-800-561-9401 (toll-free) or (416) 296-9401
Fax: 1-866-337-3389 (toll-free) or (416) 296-8920
E-mail: cdspi@cdspi.com

We will grant access to personal information upon verifying an individual’s identity and an entitlement to such access. The right to access is not absolute. For example, we do not provide information that may be subject to a legal claim of privilege. Further, medical information that was not obtained directly from an individual shall be released only by the insurance company that required the information and then only through a physician. An individual does not have a right to access medical information about another person, even if the information is about his or her spouse and is relevant to an insurance policy owned by the individual. We require written consent to disclose personal information about any person to any other person.

Disclosure Policy

About CDSPI Advisory Services Advisors
CDSPI Advisory Services licensed staff provide advisory services* for the Canadian Dentists’ Insurance Program and the Canadian Dentists’ Investment Program. CDSPI Advisory Services insurance planning advisors do not sell the insurance plans of other insurers. All insurance planning advisors are salaried and are not paid commissions for sales of group insurance plan products. If an individual policy of insurance is sold by a CDSPI Advisory Services advisor, the commission is paid to CDSPI Advisory Services — not to the advisor who completed the sale.

CDSPI Advisory Services investment planning advisors are salaried and are not paid commissions for the sale of Canadian Dentists’ Investment Program plan products.

* Restrictions may apply to advisory services in certain jurisdictions.
†† Not available to dentists in Ontario and Quebec.

The following insurance products are available through the Canadian Dentists’ Insurance Program:

The following investment plan products are available through the Canadian Dentists’ Investment Program:

CDSPI Advisory Services’ investment planning advisors are salaried and are not paid commissions for the sale of these Canadian Dentists' Investment Program plan products.