This year we tried something new. We split the students into three groups and invited some of our members interested in working with young minds with little to zero knowledge of insurance. The results were superb.
Each student group had a mentor (Cookhouse Lab member), they met bi-weekly over Zoom and using the Cookhouse Lab methodology designed their way new innovative ideas.
In August we met in person and dedicated a full week of testing, iterating and strategizing on a business plan.
Close collaboration with young adults
Educated youth through mentorship on our insurance industry
Three solutions co-created alongside mentors and staff from each member organization
Two solutions currently being realized by each member organization
One solution being presented in Asia
The fall is here now – well, more like winter – and we are strategizing our next co-creation project with students.
Stay tuned to read more about our next timeline for the student week project. And let us know if you are interested in becoming a mentor of a group of students.
One summer at a time we are making insurance better!
Cookhouse Lab hosted its second annual Hackathon which challenged participants to find solutions to move from passive risk takers to active risk managers. The Hackathon had twenty-four participants which included professionals from various organizations including CAA, Gore Mutual, Munich Re, and Jauntin. These professionals also had the chance to work with thirteen talented students from the University of Applied Sciences Würzburg-Schweinfurt (FHWS).
Check out the recap below to discover the problem being tackled, solutions created and methodologies used to ensure a successful experience.
The Problem to Be ‘Hacked’: Moving from Passive Risk Takers to Active Risk Managers
Looking at the technology surrounding our industry and society, we thought it would be a great time to find solutions that will shift stakeholders from passive risk takers to active risk managers. Gone are the days where insurers wait for a claim to happen. With IoT sensors, phones, and wearables, we are collecting data 24/7 which allows us to define an individual’s norm.
As a result, we can assess any deviation in real-time and act accordingly. From the customer perspective, they can see their behavior in a cumulative manner, are more involved in what they do and understand the real-time impact of their behavior and lifestyle choices. Not only on their life but also on their policies, for example, Vitality’s pay as you drive program.
As an industry, becoming risk-managers means savings, not just financially, but also making a positive change in the lives of our customers. Savings lives – supporting healthier lifestyles, behaviors and choices that will prolong healthier lives.
Stepping back and looking at these two aspects, we felt the gains were clear in hosting a Hackathon that would tackle moving towards being active risk-takers in Cookhouse Lab.
Highlights From the Solutions Created
The teams worked vigorously through the two-day Hackathon to develop impressive solutions for the problem at hand. Let’s take a glimpse at two of the solutions the teams cooked up:
A Dynamic Action Rewards Program: rewards can be redeemed as policy discounts, cash or new insurance products.
Travel insurance with focus on home and pet security: a package that covers the things you leave behind when travelling.
Using Masterclasses to Educate Quickly and Effectively
For some participants, this Hackathon was their first tie being exposed to this kind of experience as well as design thinking and lean methodologies. Because of this, education was an important component. However, given the short duration of the Hackathon, the education had to be quick, effective and valuable. Cookhouse Lab used masterclasses to accomplish this.
Masterclasses are thirty-minute presentations delivered by an Innovation Coach, a UX/UI designer, and/or Head of Innovation.
The purpose of these sessions was to provide:
A road map/structure that participants could use to make the most of their time
A chance to learn about a variety of tools typically used in the labs for sprint projects and how to apply them
An opportunity to detach from the intensity of the hackathon, refresh and go back to work with a clear mind
Bringing Together Diverse Backgrounds
One of the key ingredients to a successful Hackathon is having a diverse set of participants. From what we have witnessed at other projects at Cookhouse Lab, the more diverse backgrounds you bring together, the better – as everyone can contribute from their personal experience.
This Hackathon, in particular, brought together participants from varying backgrounds ranging from computer science and e-commerce to experienced underwriters, digital innovators, and software developers. All of whom were able to work together to find solutions to improve insurance.
In addition to bringing different skill sets together, having students team up with working professionals brought another element of diversity. The teams were able to successfully integrate their ideas, learn from different perspectives and expand their thinking from local experience to international insights. Both left feeling impressed and inspired by each other.
What did the ‘hackathoners’ take away from this experience?
an understanding of design thinking and how to apply it
tips and tricks from experts featured during masterclasses
lo-fi prototypes to take back to their organizations
new connections (local and international)
the achievement of conquering a two-day Hackathon
Overall, this Hackathon was another successful innovation experience served up at Cookhouse Lab. We’d like to extend a huge thank all of our participants for dedicating two days of productivity, creativity and hard work into finding solutions to address an industry challenge.
Cookhouse Lab is gearing up to host its third annual hackathon. To prepare for it, we connected with Diana Chang, previously a Logistics Team Lead with Hack the North, to find out why hackathons provide such a unique forum for collaboration for hackers (hackathon participants). Check out our interview with Diana below and don’t forget to sign up for our third annual hackathon.
Q: Can you start us off with a brief overview of how a hackathon works?
Diana: A hackathon is an opportunity for people to collaborate and co-create on an industry-specific challenge or even everyday problems. It is a huge learning experience that consists of a group of open-minded attendees who are ready to learn and teach, emerging technologies, and the opportunity to discover topical challenges.
In its simplest form, hackathons are spaces where like-minded people ideate and prototype together. While new technologies tend to be the hook for hackathons, it is the dedicated space for idea development across all industries that make hackathons so unique and nearly irreplicable.
Q: Who can get involved? Are they limited to people with coding or technical backgrounds?
D: Let’s make something clear, hackathons are not just for programmers! While most hackers are there to write code, designers are often the second largest group attending. They compliment coders’ work with strong UI/UX skills and ensure an effective and client-friendly flow to the final proposal.
Industry experts are also crucial for teams participating in hackathons. They act as project managers and provide industry knowledge not necessarily known by coders that put them a step above the competition. Hackathons also diversify with regards to which audience they cater to. Some are for developers in early stages while others focus on design thinking processes; with workshops integrated within the event to better prepare attendees.
Q: What are some benefits of attending?
D: Newly interested hackers will find value in the collaborative learning environment, open-minded participants who are willing to help, and the opportunity to learn how to transform industry concepts into real-world applications. Hackathons are also all about the people! By attending, you have the chance to meet like-minded people, connect across different industries, and co-create alongside people with different cultural/industry perspectives. All hackers come away with strong connections.
Q: Any advice for people who don’t think they have the necessary ‘skills’ to participate in a hackathon?
D: Hackathons generate an incredibly welcoming environment, for those who do – and don’t – have prior experience participating in them. There will always be facilitators there to ensure that everyone from beginners to veterans have the most positive experience possible.
You will be able to learn and contribute no matter what your level of knowledge of the topic is. As I mentioned before, everyone brings value from their personal experience.
Q: How do they inspire innovations within an industry?
D: Whether it be a product, service, or process, hackathons drive industry innovation by addressing projects that are more challenging, out-of-the-box, and would otherwise take a large dedication of time and resources to address.
Hackathons are purposely constrained on time so that hackers can solely focus on diagnosing, addressing, and ultimately solve the problem. They also typically have low constraints on creativity, and foster freedom of thought which enables participants to deliver truly innovative ideas to solve industry issues.
Q: With our own hackathon starting soon in Toronto, any crucial tips and tricks for those looking to be prepared?
D: Here are three tips I consider to be universal when preparing for a hackathon.
Before the day(s) of the hackathon, make sure you are prepared with the right tools to succeed. This can range from the right technology (e.g. laptop) to simply going online to research the topic addressed at the hackathon.
Go into the hackathon with an open mind. While this can be commonly overused, there is truly no better place to learn from specialists within their own industry since you will be working together. Not to mention that your peers will be willing to learn from you; that is the beauty of hackathons.
On the topic of peer hackers, connect with fellow industry specialists. In a semi-casual setting such as a hackathon, it is almost a given that you will meet truly passionate professionals from every field. Soak as much information in as possible and take the opportunity to build relationships. This will undoubtedly be fruitful for future collaborations and potentially in seeking expertise when addressing an industry challenge.
A big thank you to Diana for sharing her expertise from her experience in the world of hackathons. It’s clear they present a unique opportunity for professionals of varying backgrounds and experience to come together to develop out-of-the-box solutions for challenging industry problems.
Eager to get involved in a hackathon?
Become an industry thought leader. Don’t forget to share.
In the life insurance industry, there are many processes we encounter daily that have the potential to be modernized and made more efficient. The current underwriting process is no exception, with outdated rules, blanket questions that don’t allow for personalization, and long customer wait times that can take up to four to six weeks. This is a process that is ripe for disruption and last month, Cookhouse Lab invited underwriting professionals to try their hand at disrupting it in just 48 hours.
This was done through a ‘taster session’ which gives professionals the chance to sample a variety of design thinking exercises that are used in regular Cookhouse Lab projects in a condensed time frame.
This sprint, in particular, focused on making the life insurance underwriting process more time and resource-efficient to ultimately improve the customer experience. Read on to find out what processes were used to collaboratively identify three potential solutions in just 48 hours.
Day 1 – Identifying Pain Points & Determining Customer Personas
On the first day, the team focused on conducting research and empathizing with the customer to really understand their mindset. Empathy is a critical component of design thinking to ensure that the solution has the end customer’s needs are at the forefront.
Identifying Pain Points
The project team identified pain points of the demographic by running a ‘masterminds’ interview session. This involved meeting with a group of experienced underwriters to understand the current process from their point of view, their pain points and what their ideal process would look, feel and sound like. Through these interviews, the team identified the following pain points:
The current process has too many irrelevant questions
There lies a big gap in communication between the agent, insurance company, and the end customer
All age groups are being treated the same and asked the same questions
Data exists, but it isn’t accessible
The current application needs to be more dynamic
Determining Customer Personas
The team also identified two main customer personas that the solutions would be targeted towards:
27 year old female that is living with her parents at the moment, but planning to have her own home one day and start a family
She is commitment-averse and prefers to avoid face-to-face communication when dealing with purchases
She enjoys social media and instant gamification.
45 year old underwriter who has worked in the same organization for 20 years
He has a 15 year daughter and a 3 year old son.
He likes his way of doing things and is worried about automation
He believes in the power and value of underwriting and likes the medical knowledge he has acquired throughout his career
He is comfortable with the current system and is the type of person that feels the need to read every line on applications
Day 2: Developing Solutions
Using the research from Day 1, the project team continued their sprint on Day 2 to develop three possible solutions to better the current process.
Solution #1: Instant data collection, verification and clarity of product
This solution allows the agent to ask for permission from the customer to access various data pools that have collected valuable customer data, which would then be sent to a pre-filled application. Once the application is completed, the customer and agent would look over the information provided. At this point, the customer could make any necessary changes, edits or provide any missing information. Once the customer authorizes the application the agent is then able to provide possible policies based on the information given, which provides a custom solution that fits for each individual customer.
Instant and authorized access to the data pool
Peace of mind on how the agent is collecting information
Clarification on information collected
A better understanding of what information the agent is collecting
No need to go over the entire questionnaire, which may hold irrelevant questions
Clarity on the value of their policy
Allows for the opportunity to ask questions without lengthy waiting time periods
Solution #2: Simplified Application – Max 10 Qs
Instead of a standard application, this online question solution would contain a maximum of 10 key questions that customers are asked. The questions would have smart logic and adjust depending on the respondent’s answers and would prompt the user it needs further information. In addition to being more efficient, this solution is also millennial-friendly as it allows the target group to skip lengthy unnecessary and/or irrelevant questions. Key question categories:
Lifestyle (Alcohol consumption, Drug use, Driving history, Criminal activities)
Medical-related (prescription medication)
Shorter application process
Clear and relevant questions
A questionnaire that is adaptable, and therefore relevant for all customers
Shorter application process
Solution #3: Starter Plan
A product designed for university graduates and parents with children in university. Starter Plan is designed to be marketed through universities during orientation and months leading to graduation, student loan distributors and entry-level employers. The plan would be based on:
50K coverage for 2 years
Personalized dashboard with incentives and possible products as the life of the customer changes
Financially educated customers
Data collection from an earlier age
More accurate and customized products
Engagement from the millennial generation
Parents have peace of mind regarding insurance and their young adult’s coverage
Parents have peace of mind knowing that they’ve set their child up for a good start.
Unlocking Innovative, Disruptive Ideas in 48 Hours
In just two days this project team was able to create three viable solutions to solve an industry-wide problem – which is a huge accomplishment! Through these solutions, they were able to achieve the following:
Offer an efficient and speedy process to underwrite a policy
Engage the most challenging age group for life insurance to attract at the moment (millennials)
Build customer trust and financial literacy
Want to join in on the innovation? We’ve got a full schedule of projects coming up in 2018. Check them out here!
Become an industry thought leader. Don’t forget to share.
With millennials being the next generation and major target market, as an industry, we need to stay current with their service expectations.
A timeline with possible ideas and features that can be implemented today and into the future.
The final output of the project was a Portfolio Solution that included three different products.
As the sprint was two weeks, our chatbot scope was limited to initiating a claim and starting the FNOL (First Notice of Loss) process with the gathering of information.
Testing results showed that AiiA was intuitive and interactive for the simple straightforward scenario that we designed.
We challenged each other to find new ways to educate AiiA for continued growth and future development. Collaboration continued in the testing stages to review and iterate the flow with enhanced customer experience as our goal.
Once client has authenticated by signing in, the bot has access to the policies that are linked to him and interacts accordingly to what is available to choose from.
AiiA gives simple options to go through step by step in order to initiate a First Notice if Loss. With user-friendly choices to click on in order to guide the client through the process. It also allows to capture the details of the claim.
Can set up an infinite number of claims at the same time.
Information gathering of all claim details.
Launches a digital process that reduced cycle times by up to 70%.
Increases profitability for all the stakeholders.
improvement asks the right questions and makes sense of the information received and provided
decrease improving efficiency and productivity by reducing calls, emails and voice inquiries
improvement live chat with Chatbot available 24/7, easy to use, pre-populated answers
In this two-week sprint, the project team learned how chatbots and AI work, focusing on how a chatbot must be designed and implemented to significantly improve the experience of claims notification and management.
Claims processes are often characterized by delays, manual input and human error.
Expectations regarding speed of service are increasing due to the rapid advancement of consumer technology.
How to leverage blockchain technology to streamline the claims process by automating touchpoints from FNOL to claims payment.
Typical 30 days process is reduced to only 7 days!
Swift Portal is a centralized platform that addresses areas where a TPA would experience the most friction in the journey of processing a new claim.
In this project, representatives from 4 insurance companies collaborated to understand the current medical travel insurance claim process, identify the pain/delay points within the process, and co-created a TPA Portal MVP called “Swift Portal” by leveraging blockchain technology.
The Balsamic app was then used to create the initial wireframes used as reference for the atomic prototype.
When the 911 operator enters the policy number in their search, it will kickoff the claims chain by notifying the insurance company that a new claim has been started. Status initially set as N – in transit.
All claims records in the swift system can be seen by the insurance company and the hospital.
On his arrival at the hospital, the patient’s identity is verified in triage.
His policy details and treatment guidelines are viewable by hospital staff.
TPA can continue to monitor the claim and upon close automatically authorize and send payment.
Brings improved data quality through new digital tools.
Immutable data, ensuring trust between parties.
Launches a digital process that reduced cycle times by up to 50%.
Increases profitability for all the stakeholders.
reduction speed of information during process, increase in TPA productivity
reduction in processing claims, quality/accurate information available immediately
simplified, accurate, faster all information provided at once
What regulations and policies need to be revisited in a fully autonomous world?
How can insurers adjust to new ownership models?
How can insurers price and adjudicate claims during the transition?
What do auto insurance products of the (near) future look like?
Autonomous Vehicles and systems are upon us and with them, some notable implications to the Auto Insurance Industry.
The final output of the project was a Portfolio Solution that included three different products.
DISCOVERY AND AWARENESS PORTAL
Carefreeroadstar.com is a referral fee based profit system to create an incentive framework for car manufactures, dealers and insurance companies to take part in the solution.
ADAPTIVE RISK MODEL
The risk model takes into account the transition period or “messy middle” environment where customers have vehicles that have some autonomous features but are not fully autonomous.
TRANSPORTATION SHORT LEASING/UBI APPLICATION
For consumers who don’t own a vehicle but require transportation. As autonomous vehicles are projected to be more appealing than taxis, this product is intended to be acting as a broker for autonomous transportation.
Platform evolves as autonomous capabilities evolve.
One-stop shopping for a variety of transportation options (per use, short lease, purchase).
Seamlessly connects the customer to the services he needs.
Direct Loss Ratio
reduced claims payout due to increased lower risk customers
Usage Based Insurance
increase shift in revenues earned from traditional auto insurance
increase from referrals providing data to car manufacturers to improve safety
What should this process look like in today’s digital age?
How can policy holders have a more seamless process similar to dental claims?
Can policy holders submit data once and have the process automated between insurers?
Typical 30 days process is reduced to only 10 minutes
The team created a mockup to simulate the submission, adjudication, and validation from two different insurance carrier perspectives.
The solution, named Clowder by the project team, is focused on eliminating the need for plan members (who have multiple health coverages) to re-submit their paramedical claim to the second & subsequent insurers by using Blockchain hyperledger fabric technology. In addition, Clowder is a proof of concept for how we can leverage Blockchain technology within the insurance industry.
In theory, any number of insurance providers and customers may be added to the solution. This would allow, for example, a single claim to be adjudicated by more than two insurers.
Brings improved data quality through new digital tools.
Shares an immutable record of the claim across multiple insurers.
Simplifies claim process and identification of primary payer for policy holder.
Reduction resulting from resubmissions and calls associated with error in customer COB claim process
increase due to reliable, standardized EOB documentation through blockchain implementation
simplified, transparent, faster ensurers information consistency through collaboration
Do existing life insurance products meet the needs of millennials?
Are millennials aware of, and able to access, the existing products?
How can we provide relevant information to help millennials make faster decisions on insurance products when hitting life insurance purchase triggers?
Some highlights from our largest Survey about millennials!
The team focused their efforts on addressing the problem statement from the perspective of millennials, agreeing that by taking a Customer Centric Approach, the problem from the insurers’ perspective would also be resolved.
LIFE JOURNEY MAP
To help us understand what the needs (or lack thereof) were for our personas, we wanted to try to capture the key life events in their lives along with their needs at that stage.
The team identified 23 key activities or tactics that they felt would engage Millennials as they are going through their key life events, i.e., going to school, graduation and getting a job.
These tactics were based on raising awareness of financial and insurance needs and the advice and tools available.
To help build out the tactics of the engagement framework, the team developed three scenarios to further refine the tactics and to better understand what could be potentially implemented. Also conducted workshops and surveys with millennials to validate and rank those tactics.
Pop-up advice centre where students find out information and un-biased advice about financial planning.
Online toolkit with a blog, access tools and information about financial planning and potentially create an online marketplace.
Workshop delivered by a professional in financial topics.
increase millennials want transparency and avoid to be misled
increase to meet their evolving needs
Customer Data Collection
increase allowing the creation of new products and opportunities
“I enjoyed the multitude of ideas and the level of engagement. At these events, I get a huge input of ideas in a short period of time, which is what I look for. I also enjoyed seeing how the virtual setup worked and how everyone was able to collaborate, even though they were in different rooms!"
Bernd ScharrerCOO Operations/IT at VHV Holding AG
“I always come away from Cookhouse Labs events with lots of new contacts and lots of new ideas. The types of people I meet at these events are great! Everybody’s willing to help each other out and everybody’s interested in each other’s ideas. The connections you make at these events are brilliant, and I think just having that comradery in the insurance community can only make the industry better.”
Emily Hill Manager, Strategy & Planning, TD Insurance
“WinterHack 2020 was an incredible global event — chapeau to all the amazing participants for an amazing design process and a great job!! Thank you for hosting this ideathon, and hope to see some of these ideas on our portfolio next year!”
Gil AraziFounder and Managing Partner, FinTLV
"First and foremost, Cookhouse Labs was an entryway into meeting a lot of parties within the Canadian insurance industry. We were introduced to senior leaders at MGAs and other insurance companies. We also got to participate in some interesting workshops with people that we deal with every day, like a workshop with underwriters to talk about the future of underwriting. It was interesting to get their point of view on how far we could push the envelope, where some of the constraints are, and why those constraints exist. It was very beneficial for us early on to have those sounding boards for some of our ideas to tell us how feasible they would be! "
Laura McKayCo-Founder of PolicyMe
"When signing up for WinterHack 2020, I was curious about the entirely virtual experience and how it would be managed. It was a wonderful experience, and we had a lot of fun. Cookhouse Labs did an amazing job with sharing resources and guiding teams through all the steps, so thank you!"
“Looking at this collaboration from a corporate viewpoint, I’d want to have the Cookhouse Labs spark of energy for disruption permeate all areas of my organization… It’s always about the people, collaboration & change.”
“This year I had the chance to work with the team at Cookhouse Labs. In a time where we are all grasping on how to enhance collaboration and innovation remotely, it was impressive to see how the team was able to deliver innovation programs and train the trainer teachings online. Not only did we get to be involved in innovation practices, but Cookhouse Labs also modelled how to deliver using collaboration tools that can be applied to working with any group of people. And the bonus? A chance to expand my community of innovation leaders!”
Susan GilbertDirector, Digital Operations at MIG Insurance and Co-Founder, Haekka
"You don't have to be Steve Jobs to be an innovative individual. I have to upsell the support we got from Cookhouse Labs: the templates guided us in the right direction on how to develop and present our solution in the end, so thank you!"
Tommy KimSenior Actuarial Analyst, Munich Re Company of Canada
msg global solutions Canada Inc., and each of its affiliates or programs (“Cookhouse Labs”), is committed to providing transparency to outside parties with respect to the compliance of the organization’s electronic communication with Canada’s Anti-Spam Legislation, in effect as of July 1st, 2014, and its relevant rules and regulations (hereinafter “CASL”). To that end, the Msg global solutions Anti-Spam Commitment is a formal statement of rights and obligations which is made available to outside parties. It is intended to inform outside parties of the type of responsible and transparent practices adopted by Msg global solutions when electronically communicating with outside parties, to inform outside parties about who they may contact at Msg global solutions for any concern pertaining to electronic communications, and to inform such outside parties of where and how they may unsubscribe to any electronic communications from msg global solutions. This document also includes a series of answers to questions about spam and msg global solutions’ practices that are frequently asked by outside parties that msg global solutions may communicate with.
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At msg global solutions, we take the law very seriously. You may unsubscribe at any time from receiving CEM, by visiting the Preference Centre or clicking on the link in any CEM that you may receive from Msg global solutions, and we will remove you from our list within ten (10) business days.
6. AMENDMENT OF THIS ANTI-SPAM POLICY AND GUIDELINES.
From time to time, Msg global solutions will review and update this Anti-Spam Commitment as required to keep current with rules and regulations, new technologies, standards, our business practices and outside parties’ concerns. We will post any Anti-Spam Commitment changes on this page and, if the changes are significant, we will provide a more prominent notice (including, as the case may be, email notification of Anti-Spam Commitment changes).
7. QUESTIONS OR CONCERNS ABOUT THIS ANTI-SPAM COMMITMENT?
If you need further assistance, please contact us at: email@example.com
Revised November 11, 2019.
Accessibility for Ontarians with Disabilities
Documents Available Notification (AODA)
Dear Valued Clients and Visitors,
msg global solutions Canada Inc. has created policies and procedures to meet their obligations regarding customer service outlined in the Integrated Accessibility Standards under the Accessibility for Ontarians with Disabilities Act. 2005.
Our accessibility policies are available for your review in a number of formats. Should you wish access to these documents in another way, please notify: firstname.lastname@example.org
Statement of Organizational Commitment
msg global solutions is committed to ensuring equal access and participation for people with disabilities. We are committed to treating people with disabilities in a way that allows them to maintain their dignity and independence. We believe in integration and we are committed to meeting the needs of people with disabilities in a timely manner. We will do so by removing and preventing barriers to accessibility and meeting our accessibility requirements under the Accessibility for Ontarians with Disabilities Act and Ontario’s accessibility laws.
Statement of Commitment to Accessibility
msg global solutions is committed to providing a barrier-free environment for all stakeholders including our clients/customers, employees, job applicants, suppliers, and any visitors who may enter our premises, access our information, or use our services. As an organization, we respect and uphold the requirements set forth under the Accessibility for Ontarians with Disabilities Act(2005), and its associated standards and regulations.
msg global solutions understands that we have a responsibility for ensuring a safe, dignified, and welcoming environment for everyone. We are committed to ensuring our organization’s compliance by incorporating accessibility legislation into our policies, procedures, equipment requirements, training, and best practices. We will review these policies and practices annually, as organizational changes occur, or in anticipation of compliance deadlines. In addition, we will strive to meet the needs of individuals with disabilities in a timely and effective manner.
Providing an accessible and barrier-free environment is a shared effort, and as an organization, msg global solutions is committed to working with the necessary parties to make accessibility for all a reality. For more detailed information on our accessibility policies, plans, and training programs, please contact email@example.com
Alternate Format Request Form
msg global solutions is committed to providing accessible, quality services. Communications in alternate formats will be made available upon request within a reasonable time period in a mutually agreed upon format. Please complete and submit the below form to firstname.lastname@example.org
Accessibility Standards for Customer Service Record of Customer
Thank you for visiting msg global solutions and Cookhouse Labs. We value all our clients and strive to meet everyone’s needs. We look forward to your feedback. Please send us an email at email@example.com
Ten Privacy Principles
Accountability: We are responsible for personal information under our control and we have designated individuals who are accountable for our compliance with these privacy principles.
Identifying Purposes: We shall disclose the purposes for which we collect your personal information either before or at the time the information is collected.
Consent: Your knowledge and consent is required for our collection, use or disclosure of your personal information, subject to certain exceptions set out in the law. Your consent may be expressed in writing, verbally, electronically, and in certain circumstances, may also be implied.
Limiting Collection: Your personal information shall only be collected by fair and lawful means, and will be limited to that which is necessary for the identified purposes.
Limiting Use, Disclosure and Retention: Your personal information may only be used or disclosed for the purposes for which it was collected, other purposes to which you have consented or if required by law. Your personal information shall be retained only as long as necessary for the fulfillment of identified purposes, or as required or permitted by law.
Accuracy: We shall use reasonable efforts to ensure that your personal information is accurate, complete and as up-to-date as is necessary for the purposes for which it is to be used.
Safeguards: We shall protect your personal information using security safeguards appropriate to the sensitivity of your information to prevent unwanted release, misuse or intrusion.
Openness: Information about our privacy policies and procedures for handling your personal information shall be made available to you.
Individual Access: Upon written request, you will be informed of the existence, use and disclosure of your personal information. In addition, you will be given access to your personal information, as permitted by law. You may also verify the accuracy and completeness of your personal information and, where appropriate, request that it be amended.
Inquiries and Concerns: You may contact us if you have any questions or concerns about our privacy policies and procedures.
1.2. Contact Us
Information We Collect
2.1. When You Visit our Websites
You are free to explore the Websites without providing any information about yourself. However, when you visit the Websites, we may request that you provide Personal Information about yourself and we will collect Navigational Information.
2.2. “Personal Information”
This refers to any information that you voluntarily submit to us through the use of our Websites, and that identifies you personally, including contact information, such as your name, e-mail address, company name, address, phone number, and other information about yourself or your business. Personal Information can also include information about any transactions, both free and paid, that you enter into on the Websites, and information about you that is available on the internet, such as from Facebook, LinkedIn, Twitter, Instagram and Google, or publicly available information that we acquire from service providers.
2.3. “Navigational Information”
This refers to information about your computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and pages viewed. Please see section 4 the “Navigation Information” section, below.
2.4. Information About Individuals Under 18
The Websites are not intended for or targeted at individuals under 18, and we do not knowingly or intentionally collect information about individuals under 18. If you believe that we have collected information about an individual under 18, please contact us at: firstname.lastname@example.org, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street , Toronto, Ontario, Canada M5H 1A1, Attention: Privacy, so that we may delete the information.
How We Use Information We Collect
3.1. We Never Sell Personal Information
We will never sell your Personal Information to any third party.
3.2. Use of Personal Information
3.3. Use of Navigational Information
We use Navigational Information to operate and improve the Websites and underlying marketing software. We may also use Navigational Information alone or in combination with Personal Information to provide you with personalized information about the Software Provider.
3.4. Customer Testimonials and Comments
We post customer testimonials and comments on our Websites, which may contain Personal Information. We obtain each customer’s consent via email prior to posting the customer’s name and testimonial.
3.4. Use of Credit Card Information
We do not directly collect credit card information from you. We use a third-party service provider to manage credit card processing. This service provider is not permitted to store, retain, or use information you provide except for the sole purpose of credit card processing on our behalf.
3.5. Service Providers
We employ other companies and people to provide services to visitors to our Websites, such as the use of underlying marketing software, and may need to share your information with them to provide information, products or services to you. Examples may include removing repetitive information from prospect lists, analyzing data, providing marketing assistance, processing credit card payments, supplementing the information you provide us in order to provide you with better service, and providing customer service. In all cases where we share your information with such agents, we explicitly require the agent to acknowledge and adhere to our privacy and customer data handling policies.
3.6. Security of your Personal Information
We use a variety of security technologies and procedures to help protect your Personal Information from unauthorized access, use or disclosure. We secure the Personal Information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When sensitive Personal Information (such as geo-location data) is collected on our Websites and/or transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
If you have any questions about the security of your Personal Information, you can contact us at: email@example.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.
3.7. Social Media Features
3.8. External Websites
3.9. Retention of Personal Information
We retain Personal Information that you provide us as long as we consider it potentially useful in contacting you about our services and products, or as needed to comply with our legal obligations, resolve disputes and enforce our agreements, and then we securely delete the information. We will delete this information from the servers at an earlier date if you so request, as described in the “Opting Out and Unsubscribing” section below.
If you have elected to receive marketing communications from us, we retain information about your marketing preferences for a reasonable period of time from the date you last expressed interest in our content, products, or services, such as when you last opened an email. We retain information derived from cookies and other tracking technologies for a reasonable period of time from the date such information was created.
3.10. International Transfer of Information
3.11. Corporate Events
If we (or our assets) are acquired by another company, whether by merger, acquisition, bankruptcy or otherwise, that company would receive all information gathered on the Websites. In this event, you will be notified via email and/or a prominent notice on our Website, of any change in ownership, uses of your Personal Information, and choices you may have regarding your Personal Information.
3.12. Compelled Disclosure
We reserve the right to use or disclose your Personal Information if required by law or if we reasonably believe that use or disclosure is necessary to protect our rights; protect your safety or the safety of others; investigate fraud; or comply with a law, court order or legal process.
We use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize pages on our Websites, a cookie helps us to recall your specific information on subsequent visits. When you return to the same Website, the information you previously provided can be retrieved, so you can easily use the customized features.
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Websites you visit. Cookhouse Labs keeps track of the Websites and pages you visit within Cookhouse Labs, in order to determine what portion of the Website is the most popular or most used. This data is used to deliver customized content and promotions within the Website to customers whose behavior indicates that they are interested in a particular subject area.
4.2. Log Files
We may collect demographic information, such as your postal or zip code, age, gender, preferences, interests and favorites using log files that are not associated with your name or other Personal Information. There is also information about your computer hardware and software that is automatically collected by us. This information can include: your IP address, browser type, domain names, internet service provider (ISP), the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, clickstream data, access times and referring website addresses. This information is used by Cookhouse Labs for marketing purposes, to maintain the quality of the Websites and to provide general statistics regarding use of the Website. For these purposes, we do link this automatically-collected data to Personal Information, such as name, email address, address and phone number.
4.3. Clear Gifs (Web Beacons/Web Bugs)
We employ a software technology called clear gifs (a.k.a. “web beacons” or “web bugs”), that help us better manage the Website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of visitors to our Websites. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages or in emails and are about the size of the period at the end of this sentence. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. We tie the information gathered by clear gifs in emails to our customers’ Personal Information. If you would like to opt-out of these emails, please see “Opting Out and Unsubscribing”.
4.5. Third Party Tracking Technologies
How to Access & Control Your Personal Data
5.1. Reviewing, Correcting and Removing Your Personal Information
Upon request Cookhouse Labs will provide you with information about whether we hold any of your Personal Information. You have the following rights with respect to that information:
To request access, correction, updates or deletion of your personal information;
To object to processing of your personal information;
To restrict processing of your personal information;
To request portability of your personal information; and
To opt out of being solicited by Cookhouse Labs,
To exercise any of these rights, please contact us at: firstname.lastname@example.org, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy. We will respond to your request to change, correct or delete your information within a reasonable timeframe, and notify you of the action we have taken.
If we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent.
You have the right to complain to a data protection authority about our collection and use of your personal information.
5.2. Anti-Spam Policy
Our Acceptable Use Policy, at: www.cookhouselab.com/casl-acceptable-use, applies to us and, among other things, prohibits us from sending unsolicited commercial email in violation of applicable laws, and requires the inclusion of an “opt-out” mechanism in any commercial electronic messages that we send.
5.3. To Unsubscribe From Our Communications
You may unsubscribe from our marketing communications by clicking on the “unsubscribe” link located on the bottom of our commercial electronic messages, contacting us at: email@example.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.