Last updated: June 10, 2018

Thank you for visiting our web site. CT Benefits is committed to protecting the privacy rights of visitors to CT Benefits knows that you care how information about you is used and shared, and we appreciate your trust.

The purpose of this Privacy Policy is to explain how we collect and use personal information though this website; by using the site, you accept and consent thereto. We know that you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.

By accessing, browsing or otherwise using this website, you confirm that you have read, understood and agree to this Privacy Policy.


CT Insurance Brokers Inc. O/A CT Benefits is an independent insurance brokerage located in Port Hope and Scarborough, Ontario, Canada. CT Benefits specializes in employee benefit plans in the Province of Ontario, Canada and holds all the required professional licenses to do so, as required by law.


The information we learn from customers helps us personalize and continually improve your shopping experience at Any personal information you provide to us is maintained on secure servers and our internal systems. It is always your choice whether or not to provide personal information. Any information you provide will be treated with care, and subject to this Policy will not be used or disclosed in ways to which you have not consented.


During your use of, you may be asked to voluntarily provide personal information (such as your name, e-mail address, postal address, telephone number, etc.) for the purpose of facilitating communications with you or facilitating your use of, including requesting a quotation for insurance. If you choose not to provide certain requested personal information, you may not be able to obtain said insurance quotations.


We use the information that we collect about you to:

  1. Process and fulfill your quotation requests;
  2. Manage your account;
  3. Administer the website;
  4. Monitor customer online traffic patterns and site usage to help us develop and improve the design and usability of the site;
  5. Protect the security or integrity of our website and our business; and
  6. Notify you about enhancement to our services, such as recent updates to the website, new services and special offers that may be of interest.

WHAT ABOUT COOKIES? uses “cookies”, a technology that stores a small amount of information on a website user’s computer to permit the website to recognize future visits using that computer. Cookies enhance the convenience and use of For example, the information provided through cookies is used to recognize you as a previous user (so you do not have to enter your personal information every time), offer personalized web page content and information for your use and otherwise facilitate your website experience. Cookie data may be used for purposes including delivering to you banner advertisements and other advertising tailored to your interests when you visit certain websites and selecting offers and products to display to you when you visit our website. You may also wish to decline cookies generally if your browser permits, but doing so may affect your use of the website.

We have no control and assume no liability howsoever caused for access by unauthorized third parties to cookies and other tracking information stored on your systems. We recommend that you delete cookies and other tracking information stored on your systems regularly.


We take your privacy very seriously and do not sell or rent your personal information to anyone. We share customer information only as described below.

We may use and disclose information in order to communicate with you in a timely and efficient manner, asses your application for insurance and other services available to you by our office, evaluate claims and underwriting risks when required, analyze business results, detect and prevent fraud and act as required or authorized by law. We may share information with governmental agencies or third parties where required by law or where necessary to assist us in preventing, investigating or addressing fraud.


CT Benefits may provide your personal information to its service providers for use in connection with the operation of the website. For example, CT Benefits discloses certain personal information to insurers in order to obtain suitable insurance quotations on your behalf, as required. CT Benefits may also disclose certain personal information to service providers that analyze website use. CT Benefits requires its affiliated businesses, suppliers and service providers to agree to use your personal information only for the purposes for which it is provided to them, and to protect the privacy of your personal information in a manner that is consistent with this Policy. if you do not wish your personal information to be disclosed to CT Benefits affiliated businesses, suppliers and service providers, you may not register at or request a quote through our website. Without that information, our production and systems are impossible.


CT Benefits may be involved in the sale or transfer of some or all of its business. As part of that sale or transfer, CT Benefits may disclose your personal information to the acquiring organization, but will require the acquiring organization to agree to protect the privacy of your personal information in a manner that is consistent with this Policy. CT Benefits has no liability for the acquiring organization’s use and disclosure of your personal information. If at any time, you do not wish CT Benefits to disclose your personal information as part of the sale or transfer of some or all of its business, please send your request by e-mail to


CT Benefits may disclose your personal information to a government institution that has asserted its lawful authority to obtain the information or where CT Benefits has reasonable grounds to believe the information could be useful in the investigation of unlawful activity, or to comply with a subpoena or warrant or an order made by a court, person or body with jurisdiction to compel the production of information, or to comply with court rules regarding the production of records and information, or to its legal counsel. CT Benefits has no control over, or liability for, those persons’ use and disclosure of your personal information, and that use and disclosure is not subject to this Policy. With your consent: other than as set out above, you will receive notice when information about you might go to third parties, and you will have an opportunity to choose not to share the information.


We are committed to keeping your personally identifiable information secure. We have taken reasonable steps to ensure that only authorized employees, agents and contractors have access to such information. The need to keep this information protected and confidential is clearly communicated to all employees, associated advisors and suppliers who are granted access to client records. These individuals understand that they are to use the information only for the purposes intended. We have also established physical safeguards and systems, along with proper processes, to protect client information from unauthorized access or use. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input online. If you have accessed a secure server, the first characters of the address in that line should change from “http” to “https.”. You can help us by also taking precautions to protect your personal data when you are using Internet. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.


As discussed above, you can always choose not to provide information, even though it might be needed to request a quotation from us.


We keep our Privacy Policy under regular review and we will place any updates in this webpage. This Privacy Policy was last updated on June 10, 2018.


If you have any questions, concerns, or comments about our Privacy Policy you may contact us using the information below:

By email:

We reserve the right to make changes to this Policy. Any changes to this Policy will be posted.