Website Compliance

General Use Restrictions

Information , documents , products , software and services (” materials “)available on this web site and created by Prosum Health Benefits Inc. ( “Prosum ” ) remain the property of Prosum Health Benefits Inc.

Materials available on this Web site and created by other manufacturers , authors , developers and vendors ( “Third party Providers ” ) remain the property of the relevant Third Party Provider.

Except as expressly provided for on the web site , none of the Materials available on this web site , none of the Materials available on this web site may be copied , reproduced , distributed , republished , downloaded , displayed , posted or transmitted in any form or any means , including , but not limited to , electronic , mechanical , reproducing , recording , or otherwise , without the prior express written permission of Prosum and any relevant or applicable Third Party Provider .

Nothing on this web site shall be construed as conferring on any user any license under any of Prosum’s or any Third Party Provider’s intellectual property rights , whether by implication or otherwise . Users acknowledge sole responsibility for obtaining any such licenses .


  • Any Copyright notice identified and this permission may appear in the Materials ;
  • The use of such Materials is solely for personal , non-commercial an informational use and will not be copied or posted on any such network computer or broadcast in any media ; and
  • No modifications are made to any of the materials .

Content Disclaimer

The information and statistical data contained on this web site are provided as a service to users. It has been obtained from various sources believed to be reliable , buts its accuracy cannot be guaranteed , and it should not be relied upon as such .

Nothing herein shall be construed as benefit or financial planning advice directed to any individual , and users should consult with duly authorized and licensed advisors in connection with specific products , services or instruments .

Prosum does not provide , sell , license or lease any Materials other than those specifically identified as such .

Links to Other Sites

Users should be aware that when you are on the Prosum web site you could be directed to other sites that are beyond our control . There are links to other sites from Prosum pages that take you outside our service . Prosum is not responsible for the content of those sites and provides these links only as a convenience .The inclusion of any link to such sites dos not imply endorsement by Prosum .

Software Use Restrictions

Any software that is made available to download from the web site (“the software ” ) is the copyrighted work or Prosum and/or Third Party Providers . Use of the Software is governed by the terms of the end user license agreement , if any , which accompanies or is included with the Software ( the “License Agreement ” ) . Except as set forth in the applicable License Agreement , any further copying , reproduction , or redistribution of the Software is expressly prohibited .

Privacy Principles

Prosum Health Benefits Inc. is a Managing General Agency and as such does not deal directly with health benefit insurance buyers . We deal only through licensed benefit advisors and brokers , who are required to follow all privacy legislation and who follow the privacy codes detailed herein .

Prosum is committed to holding our advisors personal information ( including the personal information of the clients of our advisors ) in the strictest confidence , and we only disclose such information if authorized by our advisors and/or their clients , if require by law to do so , or if required in conducting business with health care benefit insurers or providers .

Prosum is responsible for adherence to the 10 Principles of the Personal Information Protection and Electronic Documents Act ( ” PIPEDA ” ) . The information Prosum collects on Advisors , or their clients , as part of their screening and monitoring is protected by PIPEDA or by substantially similar provincial legislation . Our Privacy Policy is designed for benefit advisors , so that they understand how we manage their personal information as well as that of their clients .

Principle 1 – Accountability

Prosum is accountable for all personal information in its possession or custody , including any personal information disclosed to third parties for processing or other administrative functions . Prosum has established policies and procedures to comply with this declaration , and has designated a privacy officer to be accountable for compliance .

Principle 2 – Identify Purpose

Prosum , through its benefit advisors / brokers , will identify the purpose for which it collects personal information , before or when the information is collected .

Principle 3 – Client Consent

Prosum , through its benefit advisors / brokers , will make a reasonable effort to make sure customers understand how their personal information will be used by the advisor / broker ( or brokerage ) and insurers and providers . Prosum , through its advisors/ brokers , will obtain consent from its customers before or when it collects or uses the personal information .

A customer’s consent can be express , implied or given through an authorized representative . A customer can withdraw consent at any time , with certain exceptions .

Principle 4 – Limits the Collection Use of Personal information

Prosum will use or disclose personal information only for the reasons that it was collected , unless a customer gives consent to use or disclose it for another reason , or it is permitted or require by law .

Principle 5 – Limits the Disclosure and Retention of Personal information

Under certain exceptional circumstances , Prosum may have a legal duty or right to disclose personal information without the customer’s knowledge or consent to protect the interests of insurers , providers or the public interest. Prosum will keep personal information only as long as necessary for the identified purposes for which it was collected .

Principle 6 – Keeping Personal Information Accurate

Prosum will keep personal information as accurate , complete and current as necessary for the identified purposes for which it was collected .

Customers may , in writing , challenge the accuracy and completeness of their personal information request that it be amended as appropriate.

Principle 7 – Safeguards Client Information

Prosum protects personal information with safeguards appropriate to he sensitivity of the information .

Principle 8 – Information Policies Available to its Clients

Prosum is open about the policies and procedures it uses to manage personal information . Customers have access to information about these policies and procedure s . The information will be made available in a manner that is generally easy to understand .

Principle 9 – Accessibility of Personal Information

When customers make a request in writing , Prosum will , within a reasonable amount of time , advice what the personal information it has , what it is being used for , and to whom it has been disclosed .

When customers make a written request , Prosum will give them access to their personal information .
Prosum will respond to the written request in a timely manner . In certain situations , Prosum may not be able to give customers access to all their personal information . Prosum will explain the reasons why and will outline any recourse the customer may have , except where prohibited by law .

Principle 10 – Committed to Addressing Advisor / Customer Complaints and Concerns

Privacy related questions or challenges to these policies and procedures can be dieced to he designated privacy officers . Please direct your communications to :

Ian Allen
Prosum Health Benefits Inc.
2 Old Mill Drive, Suite 725
Toronto, Ontario
M6S 0A2