Federal (Canada) Privacy Decisions

An individual complained to the OPC after an insurance company denied access to parts of their insurance claim file, including case management notes and a video of an incident. The company claimed the notes were confidential commercial information and the video contained third-party images. Through the early resolution process, the company allowed the individual to view the video and provided a redacted version of the case management notes. The complaint was resolved early.

• Access to personal information, including insurance claim files and videos.
• Application of PIPEDA exemptions for confidential commercial information and third-party personal information.
• Severing or redaction of information to provide access.
• Obligation to provide access to personal information.

A complainant filed a complaint against a financial technology (FinTech) company after being required to provide personal information to access an investment account management agreement. The company initially cited regulatory requirements for collecting the data before an individual became a client. The OPC advised the company that prospective clients should be able to review agreements and understand privacy implications before providing personal information to ensure meaningful consent.

• Purpose of information collection
• Meaningful consent
• Regulatory requirements for collection

An individual complained that a bank performed multiple credit checks on her without her consent, even though she had not been a client for many years. The bank initially stated the inquiries were from its marketing group but later found they originated from an unactivated credit card application. While the bank’s policy suggested it could continue soft credit inquiries after a relationship ended, the OPC expressed concerns about this practice. The bank agreed to end the practice and update its privacy policy, leading to the complaint being early resolved. The OPC confirmed the practice has ceased and the policy has been updated.

• Consent for credit checks after termination of a business relationship
• Continued collection of sensitive personal information without a legal requirement
• Accuracy and completeness of information provided to individuals about data handling practices