Privacy Policy

1. Introduction and Data Controller

Clay and Linen ("we", "us", or "our") operates the website dedicated to providing Toronto drivers with insights on auto insurance optimization. We are committed to protecting your personal information and your right to privacy.

As we operate out of Toronto, Ontario, our data handling practices are governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) at the federal level, and we align our standards with the Municipal Freedom of Information and Protection of Privacy Act (MFIPPA) where applicable within the province of Ontario.

2. Information We Collect

We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about insurance rates or our services. This includes:

• Personal Identifiers: Name, phone number, and email address.
• Vehicle and Insurance Data: Information regarding your current insurance status, driving history, and vehicle type provided through our assessment forms.
• Technical Data: IP addresses, browser type, device information, and operating system collected automatically via cookies.
• Usage Data: Information on how you interact with our guides, articles, and comparison tools.

3. Legal Basis for Processing

Under Canadian law (PIPEDA), we process your information based on the following legal grounds:

• Consent: You have given clear consent for us to process your personal data for a specific purpose (e.g., subscribing to our newsletter or requesting a premium analysis).
• Performance of a Contract: Processing is necessary for the execution of a service you have requested.
• Legitimate Interests: Processing is necessary for our legitimate interests, such as improving our website content, preventing fraud, and ensuring network security, provided these interests do not override your fundamental rights.
• Legal Obligation: Processing is necessary for compliance with Canadian federal or provincial laws.

4. Purpose of Data Collection

Clay and Linen uses your data for the following objectives:

• To provide personalized advice on reducing auto insurance premiums in Ontario.
• To facilitate market comparisons and provider selection methodology.
• To respond to inquiries and provide customer support.
• To send administrative information, such as updates to our terms or policies.
• To analyze website traffic and user behavior to optimize our educational content.

5. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information.

6. Disclosure to Third Parties

We do not sell, rent, or trade your personal information. We may share data with:

• Service Providers: Third-party vendors who perform services for us (e.g., email delivery, web hosting, analytics).
• Legal Authorities: If required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency) in accordance with Ontario's legal framework.
• Business Transfers: In connection with any merger, sale of company assets, or acquisition of all or a portion of our business.

7. Your Privacy Rights

As a resident of Canada, you have specific rights regarding your personal information under PIPEDA:

• Right of Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can request that we correct any inaccurate or incomplete information.
• Right to Withdrawal of Consent: You may withdraw your consent to data processing at any time.
• Right to Complain: You have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC) or the Information and Privacy Commissioner of Ontario.

8. Cookies and Tracking

Our website uses cookies to enhance your browsing experience and analyze site traffic. You can manage your preferences through your browser settings or via our cookie banner. For detailed information, please refer to our Cookie Policy.

9. Contact Us

If you have questions or comments about this policy, you may contact our Data Protection Officer at: