At Optiom O2 Holdings Inc. and its subsidiaries (collectively, the “Company”) we are committed to maintaining the accuracy, confidentiality and security of your personal information. This External Privacy Policy (the “Privacy Policy”) describes the personal information that the Company collects from or about you, how we use and to whom we disclose that information.

The Company has developed a series of documents in order to address the specific privacy concerns of certain groupings of individuals. This Privacy Policy applies to the personal information of all individuals unless the personal information is related to our website or is related to an individual who seeks to be, is or was employed by the Company. Such information is dealt with in the Company’s “Website Privacy Policy” or “Employee Privacy Policy,” as the case may be.

If you are unsure of which privacy policy applies to you, please contact our Privacy Officer for more information.

1. Privacy Policy Effective For Canada

It is the Company’s policy to comply with the privacy legislation within each jurisdiction in which we operate. Sometimes the privacy legislation and/or an individual’s right to privacy are different from one jurisdiction to another. This Privacy Policy covers only those activities that are subject to the provisions of Canada’s federal and provincial privacy laws, as applicable.

This Privacy Policy has a limited scope and application. Consequently, the rights and obligations contained in this Privacy Policy may not be available to all individuals or in all jurisdictions. If you are unsure if or how this Privacy Policy applies to you, please contact our Privacy Officer for more information.

2. What is Personal Information?

For the purposes of this Privacy Policy, personal information is any information about an identifiable individual other than the person’s business title or business contact information when used or disclosed for the purpose of business communications.

3. What Personal Information Do We Collect?

We collect and maintain different types of personal information in respect of the individuals with whom we interact. This includes:

contact and identification information, such as your name, address, telephone number and e-mail address;
product and service-related information concerning the products and services that we provide to, or receive from, you;
credit and financial information such as your payment preferences; and
business relationship information, including information related to your agreements, preferences, advisors and decision-makers, feedback and information requested by or provided to you.

We may also collect market-related information, which may include personal information concerning market trends and activities impacting our business. This information may include contract terms, financial information and other information for the purpose of market analysis and strategic planning. We may also collect information related to our media, investor and public relations activities and information related to our interactions with financial and other analysts and advisors.

As a general rule, the Company collects personal information directly from you. In most circumstances where the personal information that we collect about you is held by a third party, we will obtain your permission before we seek out this information from such sources (such permission may be given directly by you or implied from your actions as permitted by and in accordance with the applicable privacy legislation).

From time to time, we may utilize the services of third parties in our business and may also receive personal information about you collected by those third parties in the course of the performance of their services for us or otherwise. Where this is the case, we will take reasonable steps to ensure that such third parties have represented to us that they have the right to disclose your personal information to us.

Where permitted or required by applicable law or regulatory requirements, we may collect information about you without your knowledge or consent.

4. Why Do We Collect Personal Information?

The Company collects personal information to enable us to manage, maintain, and develop our business and operations, including:

to establish, maintain and manage our relationship with you so that we may provide you with, or receive from you, the products and services that have been requested;
to be able to review the products and services that we provide to you so that we may understand your requirements for our products and services and so that we may work to improve our products and services;
to be able to review the products and services that we obtain from you so that we may work with you and so that you may understand our requirements for such products and services;
to be able to comply with your requests (for example, if you prefer to be contacted at a business or residential telephone number and advise us of your preference, we will use this information to contact you at that number);
to protect us against error, fraud, theft and damage to our goods and property;
to enable us to comply with applicable laws or regulatory processes; and
any other reasonable purpose to which you consent.

5. How Do We Use and Disclose Your Personal Information?

We may use or disclose your personal information:

For the purposes described in this Privacy Policy; or
For any additional purposes for which we have obtained your consent to the use or disclosure of your personal information.

We may use or disclose your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.

6. When Do We Disclose Your Personal Information?

We may share your personal information with our employees, contractors, consultants and other parties who require such information to assist us with managing our relationship with you, including third parties that provide services to us or on our behalf; third parties that assist the Company in the provision of services to you; and third parties whose services we use to conduct our business.

In addition, personal information may be disclosed or transferred to another party during the course of, or completion of, a change in ownership of or the grant of a security interest in, all or a part of the Company or its affiliates through, for example, an asset or share sale, or some other form of business combination, merger or joint venture, provided that such party is bound by appropriate agreements or obligations and required to use or disclose your personal information in a manner consistent with the use and disclosure provisions of this Privacy Policy (including applicable privacy law) unless you consent otherwise.

Further, your personal information may be disclosed:

as permitted or required by applicable law or regulatory requirements;
to comply with valid legal processes such as search warrants, subpoenas or court orders;
as part of the Company’s regular reporting activities to its affiliates;
to protect the rights and property of the Company;
during emergency situations or where necessary to protect the safety of a person or group;
where the personal information is publicly available; or
with your consent.

7. Your Consent is Important to Us

It is important to us that we collect, use or disclose your personal information where we have your consent to do so. Depending on the sensitivity of the personal information, your consent may be implied, deemed (using an opt-out mechanism) or expressed. Express consent can be given orally, electronically or in writing. Implied consent is consent that can reasonably be inferred from your action or inaction. For example, when you enter into an agreement with us, we will assume your consent to the collection, use and disclosure of your personal information for purposes related to the performance of that agreement and for any other purposes identified to you at the relevant time.

Typically, we will seek your consent at the time that we collect your personal information. In certain circumstances, your consent may be obtained after collection but prior to our use or disclosure of your personal information. If we plan to use or disclose your personal information for a purpose not previously identified (either in this Privacy Policy or separately), we will do so only in accordance with applicable privacy legislation.

As we have described above, we may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law or regulatory requirements.

8. Choice/Opt-Out

You may change or withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice, by contacting our Privacy Officer using the contact information set out below. All communications with respect to such withdrawal or variation of consent should be in writing and addressed to our Privacy Officer.

We assume that, unless you advise us otherwise, you have consented to the collection, use and disclosure of your personal information as explained in this Privacy Policy.

9. How is Your Personal Information Protected?

The Company maintains physical, technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, copying, use, modification or disclosure.

We restrict access to personal information to our employees, administrators and consultants who need to know the information to provide the products and services we offer. Our employees receive training on how to protect personal information, and they are required to comply with this Privacy Policy and all applicable privacy laws.

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with our regulatory obligations and obligations under applicable law. When personal information is no longer necessary, we destroy, erase or anonymize such information.

10. Updating Your Personal Information

It is important that the information contained in our records is both accurate and current. If your personal information happens to change during the course of our relationship, please keep us informed of such changes.

If any of the personal information we have about you is incorrect, please advise us; we will correct such information if you provide evidence to us that it is incorrect. In some circumstances, we may not agree with your request to correct your personal information and will instead append an alternative text to the record in question.

11. Access to Your Personal Information

You can ask to see your personal information. If you want to review, verify or correct your personal information, please contact our Privacy Officer. Please note that any such communication must be in writing.

When requesting access to your personal information, please note that we may request specific information from you to enable us to confirm your identity and right to access, as well as to search for and provide you with the personal information that we hold about you. We may charge you a fee to access your personal information; however, we will advise you of any fee in advance. If you require assistance in preparing your request, please contact the office of our Privacy Officer.

Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. For example, we cannot provide access to personal information relating to other people or personal information protected by legal privilege. In addition, the personal information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices.

In the event that we cannot provide you with access to your personal information, we will endeavour to inform you of the reasons why subject to any legal or regulatory restrictions.

We store your personal information at our offices in Canada and outside of Canada.

GAP PLUS policy wording includes the following clause relating to the consent to the collection, retention, use and disclosure of Personal Information:

For the purposes identified, personal information may be disclosed to Optiom’s related or affiliated organizations or companies, their agents/mandataries, and to certain non-related or unaffiliated organizations or companies. Your personal information may be transferred to, retained or accessed by our offices, affiliates and service providers based outside Canada in the United Kingdom and in the United States of America, and may be subject to access by the government, courts, law enforcement or regulatory agencies of Canada and other jurisdictions. Further information about Optiom’s personal information protection policy may be obtained by contacting Optiom’s Privacy Officer at 1-844-427-7587 or through

12. Inquiries or Concerns?

If you have any questions about this Privacy Policy or concerns about how we manage your personal information, please contact our Privacy Officer by telephone, in writing or by e-mail. We will endeavour to answer your questions and advise you of any steps taken to address the issues raised by you. If you are dissatisfied with our response, you may be entitled to make a written submission to the Privacy Commissioner in your jurisdiction.

13. Privacy Officer

We have appointed a Privacy Officer to oversee compliance with this Privacy Policy. The contact information for our Privacy Officer is as follows:

Privacy Officer

Phone: 1-844-427-7587


14. Revisions to this Privacy Policy

The Company from time to time may make changes to this Privacy Policy to reflect changes in its legal or regulatory obligations or in the manner in which we deal with your personal information. We will post any revised version of this Privacy Policy on our website, and we encourage you to refer back to it on a regular basis.

The Privacy Policy can be found at:

15. Interpretation of this Privacy Policy

Any interpretation associated with this Privacy Policy will be made by our Privacy Officer. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples, therefore, where the word “including” is used, it shall mean “including without limitation.”

This Privacy Policy does not create or confer upon any individual any rights or impose upon the Company any rights or obligations outside of, or in addition to, any rights or obligations imposed by Canada’s federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and Canada’s federal and provincial privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to and comply with such privacy laws.