Your personal information (e.g., medical and financial) is very sensitive and must be

• protected
• used properly

whether received from you or third parties with your permission.

Under federal PIPEDA requirements, the information you give can only be used for the purpose it was collected unless you give written consent. The information cannot be used for your disadvantage, and the advantage of another party such as your advisor.

When Disclosure Is Required

The CLHIA (insurance trade association) mandates disclosure of your personal information for any of the following reasons

• you have given consent (written?)
• required by law
• reasonably necessary for the insurer for
  • determining your eligibility for insurance
  • protection against fraud or misrepresentation
• discharge of a public duty