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    Terms and Conditions

    Please note that by installing the Telematics Device (the “Device”) on the enrolled vehicles, you are deemed to accept the following Terms of Use (the “Terms”) and agree to be bound by them. You further acknowledge and undertake that you have or will notify any other drivers who operate the enrolled vehicles about my Driving Discount (“my Driving Discount program” or “program”) and obtain their consent to the following Terms.

    We may modify the Terms at any time by providing notice and obtaining your consent for such modifications where legally required to do so. Where such consent is not required, modifications are effective immediately and you agree to be bound by such modifications through your continued use of my Driving Discount program. We recommend you revisit these Terms periodically at www.intact.ca/my-driving-discount. Please take a moment and familiarize yourself with the Terms. If you do not accept the full Terms, you will not be eligible to participate in my Driving Discount program and must contact your broker to cancel your participation and return the Telematics Device to us (if already received).

    What is my Driving Discount program?

    The my Driving Discount program is an Intact Insurance program that uses a Device that is installed in an enrolled vehicle and is used for the collection and processing of vehicle usage data for insurance purposes. The Device is supplied by OCTO Telematics North America LLC and its parent company, OCTO Telematics SpA, and is shipped and received by their shipping service providers (collectively “OCTO”). The Device comes with a GPS component which collects location information of the driving trips and events and has an accelerometer to capture vehicle movements, in addition to a cellular connection chip that periodically transfers data to OCTO. The Device and its various components will enable Intact Insurance to gather, for a period of one hundred and eighty (180) days (the “Assessment Period”) subject to the other provisions of these Terms, information that will assist us in analyzing your driving behaviour in order to determine your eligibility for discounts.

    Am I Eligible?

    To be eligible for the my Driving Discount program the following conditions must be met:

    • the vehicle must be compatible with the Device;
    • the vehicle must be 1) a private passenger vehicle; or 2) an individually rated light commercial vehicle (1 to 4 vehicles on the policy) in personal or commercial classes 33 to 45;
    • the vehicle may not be in storage at the time of enrollment and it must not be in storage or unused for more than thirty (30) consecutive days during the Assessment Period;
    • you need to have internet access and a valid email address;
    • the policyholder or the driver designated by the policyholder, enrolled in the my Driving Discount program, must be the principal driver of at least one vehicle included in the policy which meets the annual premium requirement established by the my Driving Discount program; and
    • you must meet our underwriting rules.

    Please note that the my Driving Discount program may not be available in certain regions where cellular coverage of the network used by the device to transmit the data regarding your driving behaviour is insufficient.

    You can contact your broker to confirm your eligibility.

    How do I enroll?

    Enrolling in the my Driving Discount program is easy, completely voluntary, and at no additional cost to you. Simply call your broker. If eligible, OCTO will send you an enrollment con rmation email (please note that if there are multiple drivers on the same policy registered to the my Driving Discount program, all emails related to the program will be sent to a single email address), a Device with a copy of these Terms, and Device installation instructions, which involve plugging the unit into the vehicle’s On-Board Diagnostics Port (“OBD port”). Once the Device is active, it will begin recording data concerning the driving trips and events, which will be sent to OCTO and then to Intact Insurance. The enrollment process is completed once the Device has been properly installed and activated.

    Will I receive a discount for using the Device?

    Yes, upon enrollment in the my Driving Discount program you will start receiving a one- time enrollment discount that will be applicable until the end of your Assessment Period. Following completion of the Assessment Period (and subject to what is outlined below), your enrollment discount may be replaced by a personalized discount (“my Driving Discount”) that takes into account the following information (“my Driving Discount Data”):

    • based on the number of kilometers driven:
      • a. time of day the vehicle is driven;
      • b. hard braking events;
      • c. rapid acceleration events; and
    • the information in your insurance le (e.g. postal code, age).

    The my Driving Discount is not static and is subject to change upon each renewal of your policy, as of the second renewal following your enrollment in the program.

    Should you decide to opt out of the my Driving Discount program prior to the completion of the Assessment Period, or terminate your participation, you will no longer be eligible to receive either the enrollment discount or the my Driving Discount. Your premium will be adjusted accordingly, effective as of the date you terminated your participation.

    How will my discount be applied?

    The discount will be applied to the before-tax car insurance premium (Q.P.F. No 1 and endorsements) of the vehicles on the policy for which the person enrolled in the program is identified as the principal driver, before tax.

    The enrollment discount will apply upon enrollment in the program. Once the Assessment Period is completed, it will be replaced, if applicable, by the my Driving Discount for the remainder of your insurance policy term, if the my Driving Discount is equal to or greater than the enrollment discount. The my Driving Discount is not static and is subject to change upon each renewal of your policy, as of the second renewal following your enrollment in the program.

    If the enrollment discount is greater than the my Driving Discount, the enrollment discount will continue to apply until the end of your current policy term. At your next policy renewal, you will no longer be eligible to receive either an enrollment discount or the my Driving Discount.

    What happens if the Device is disconnected, not installed or if the vehicle is unused?

    The Device must remain connected at all times except in the event of extenuating circumstances (e.g., mechanical breakdown of the Device, access to the OBD port is required for maintenance or vehicle servicing, etc.) or unless directed by Intact Insurance . If we are unable to obtain an accurate assessment of driving behaviour due to a series of disconnections on your part or as a result of any misuse of the Device, you will receive notification advising you of such, and providing you with thirty (30) days to rectify any breach of the Terms.

    We reserve the right, at our sole discretion, to extend any Assessment Period should we not be able to capture an accurate assessment of the driving behaviour, especially as a result of any disconnection or misuse of the Device, if the vehicle is unused for more than thirty (30) consecutive days, or if the vehicle is used in areas where cellular coverage is insufficient. If we are still unable to obtain an accurate assessment due to inappropriate use of the Device upon expiry of the notice period, or should you fail to install the Device within thirty (30) days of shipping of the Device, you could be removed from the my Driving Discount program and any discount received would cease to apply.

    How do I return the Device?

    Upon termination of the Assessment Period, or if the Device is not functioning properly, or pursuant to our request, you must return the Device to OCTO in a pre-paid, pre-addressed envelope that will be provided to you. If the Device is lost or if you fail to return the Device as instructed or if it is damaged, you may be charged fifty dollars ($50) per Device.

    Can I be asked to reinstall the Device?

    If the Device is no longer in the vehicle and we feel that the existing my Driving Discount or Collected Data (de ned below) has become outdated or unreliable and is no longer an accurate reflection of the driving behaviour, if we modify the variables taken into account for the assessment of the my Driving Discount, or if the risk characteristics have changed in such a way as to indicate a possible change in vehicle usage such as, but not limited to:

    • change of insured address;
    • addition of newly listed driver; or
    • addition of newly licensed driver to the household;

    then, at our sole discretion, we may require reinstallation of the Device to restart the collection of my Driving Discount Data for a new Assessment Period to determine your eligibility for a new my Driving Discount. If you are receiving a my Driving Discount at the time of reinstallation, that discount will continue to apply until the discount calculation procedures outlined in the section entitled “Will I receive a discount for using the Device?” are completed. If eligible, you will receive a new my Driving Discount based on the corresponding new my Driving Discount Data.

    Can I transfer the Device to another vehicle?

    The Device must remain connected to each vehicle that has been enrolled and registered through the my Driving Discount program. Should you wish to transfer the Device to another vehicle as a result of a sale, mechanical breakdown or collision of an enrolled vehicle, you must first contact your broker and arrange for the Device to be transferred prior to disconnecting the Device from the enrolled vehicle and reconnecting it to a replacement vehicle. Failure to contact your broker prior to the removal of the Device may lead to extension of the relevant Assessment Period and/or removal from the my Driving Discount program.

    Can I enroll multiple vehicles?

    Yes, you may enroll multiple vehicles in the my Driving Discount program subject to meeting eligibility requirements. Depending on the number of enrolled vehicles and/or principal drivers under the policy and the my Driving Discount Data available, you may be eligible to receive additional enrollment discounts and my Driving Discounts. Simply call your broker for full details on multiple vehicle enrollment.

    Will I be able to track my driving behaviour?

    As the policyholder, or the person designated by the policyholder, you will have access to a personalized web dashboard that will allow you to track the vehicle’s actions or events through a web-based secure application (“Dashboard”). You can access the Dashboard at mydrivingdiscount.intact.ca.

    These events include distance travelled, rapid acceleration, hard braking, time of day the vehicle is driven, and the my Driving Discount for which you may be eligible.

    Please note that you may not be able to track driving events when you are driving in areas where cellular coverage of the network used by the Device to transmit the data on your driving behaviour is insuf cient.

    Who owns the Device?

    OCTO owns all rights, title, and interests in the Device and as a result you may not copy, modify, or transfer, translate, reverse engineer, decompile, disassemble, or create derivative works based on the Device provided to you.

    PRIVACY

    What about privacy?

    We are committed to protecting your privacy, and do our utmost to ensure that the Personal Information (as de ned below) of our customers is safeguarded properly.

    We will only use and disclose your Personal Information in accordance with the my Driving Discount program, unless otherwise required by law (i.e. subpoena, police investigation, etc.), and will not disclose the Collected Data (as de ned below) to third parties, except to our authorized agents/employees and OCTO, as required for the purpose of providing you with continuous service.

    What Personal Information is collected or shared?

    Personal Information refers to your name, mailing address, email address, Vehicle Identi cation Number (“VIN”), policy number, and Collected Data.

    What is included in the Collected Data?

    Collected Data includes data that is collected by or data that is derived from information gathered by the Device, including information on the vehicle’s usage, and represents driving data based on the collective usage of the enrolled vehicle.

    More speci cally, Collected Data includes: vehicle location (GPS), odometer readings, average speed, average acceleration, distance travelled, elapsed time of trips, road type, ignition on/off events, accelerometer data (acceleration, deceleration, cornering events), connection and disconnection status, trip start and end dates, trip start and end times, VIN, and mileage.

    Who sees my Personal Information?

    Your name, mailing address, email address, VIN, and policy number are shared with OCTO who uses this information to ship the Device to you, verify that the Device is installed in the correct vehicle, and send you email updates and reminders. The Device transmits the data gathered from the vehicle via the cellular connection chip to OCTO, who then sends the data to Intact Insurance.

    As the policyholder, or the person designated by the policyholder, you have access to a personalized online Dashboard that shows you aspects of the Collected Data from the Device, to provide feedback on how the enrolled vehicle was driven, and show you the enrolled vehicle’s my Driving Discount (if any) for which you may be eligible. Trip information is updated regularly, and the my Driving Discount information is updated weekly. You can access the Dashboard at mydrivingdiscount.intact.ca. The same information that is available on your Dashboard is also viewable by our authorized agents/employees, so they can assist you with any questions you might have.

    Our authorized agents/employees will have access to your Personal Information only to the extent that the information is required to enable them and us to fulfill our respective duties in accordance with these Terms.

    Who else must give their consent?

    By accepting these Terms, it is your responsibility to inform any other drivers who operate the enrolled vehicles about my Driving Discount program and the Device, and you undertake to obtain their consent to these Terms.

    The Device gathers driving data based on the collective usage of an enrolled vehicle, and does not identify individual drivers, or isolate or categorize the driving data based on individual drivers.

    How is the Collected Data used?

    The my Driving Discount Data will be used by Intact Insurance to determine your eligibility and level of discount for the my Driving Discount (if any) for which you may be eligible.

    We may also analyze the Collected Data to ensure that the information in your insurance file is consistent with the information you provided to us (e.g., the number of kilometres driven, etc.) and you may be contacted to see if you wish to discuss your policy further.

    The Collected Data will not be used to:

    • cancel your policy during your current policy term; or
    • refuse to renew your policy.

    However, please note that there are variables other than the Collected Data that may impact your policy pursuant to our underwriting rules, including but not limited to accidents and traffic violations.

    Where is my Personal Information stored?

    In order to provide you with the my Driving Discount program, we share your Personal Information with OCTO for data collection and shipment processing. We are committed to protecting your privacy and take our obligation to ensure the con dentiality and security of your information seriously. We require OCTO to protect your Personal Information in a manner that is consistent with our own privacy policies and security practices. Your Personal Information may be stored by us and OCTO in Canada, the United States, and Italy. In the event that your Personal Information is transferred to a foreign jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and national security authorities in accordance with those laws.

    Who do I contact if I have questions about my privacy?

    If you have any questions about your privacy or would like more information, please contact our Privacy Office at:
    Intact Privacy Office
    700 University Avenue, Suite 1500-A
    Phone (toll free): (866) 941-5094
    Toronto, Ontario M5G 0A1
    Fax: (416) 941-5284
    E-mail address: privacy@intact.net

    Any other questions?

    If you have any technical questions about downloading or activating the Application or its functionalities, please call 1 855 785 2223.

    For any other question regarding the my Driving Discount program or your insurance contract, please contact your broker.

    EXCEPT AS PROVIDED HEREIN, ALL TERMS, LIMITS, CONDITIONS, EXCLUSIONS, DEFINITIONS AND PROVISIONS OF YOUR POLICY SHALL CONTINUE TO APPLY AND HAVE FULL FORCE AND EFFECT.