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.
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
The objective of this initial project was to begin the Blockchain Journey and see where our collective ideas can take us.
What is Blockchain and how can it be used to improve insurance?
Blockchain, is a transparent secure chronological public ledger. It’s said Blockchain will have the same impact on global society as the internet. It will revolutionize payment processing. It will democratize banking for the globe. It will not just disrupt payment processing and financial services, but every sector of the world from politics to land title.
Identify and prioritize customer and business pain-points across the insurance lifecycle.
Develop an understanding of Blockchain including high-level technical functionalities, history, existing use cases and its potential future applications.
The success of this initiative would depend on all provincial regulators committing to full cooperation and participation at the outset.
Over the 4-week project period, the project team developed a comprehensive list of 34 Blockchain use cases, and created a selection criteria to determine the top three use case categories among them.
AUTOMATED INSURANCE PRODUCTS / CLAIMS PAYMENTS
Insurance companies coordinate the payment of claim with smart contract, automating the process from notification to payment.
COMMUNICATION AND INTEGRATION
The Blockchain’s shared ledger provides permissioned parties, such as the contractor, insurers and reinsurers, with clear visibility to the characteristics of the risk and financial information pertinent to bond issuance.
INDUSTRY WIDE BLOCKCHAIN APPLICATIONS
Fine-tuned access control: Easy to pool data & restrict access to sensitive fields. High security/integrity of the data. Anti-fraud database. Broker/insurer platform for licensing requirements.
Brings Improved Data Quality through New Digital Tools.
Facilitates the creation of new products and services with an enhanced customer experience.
Launches a Digital Process with Increased fraud detection.
Increases Profitability for all the stakeholders.
automated transactions can be triggered nearly immediately and reliably
Cost to Serve
reduction the efficient exchange of accurate information enable lower transaction fees
decrease no need for human intervention and validation. Mistakes are less likely to happen
A leading cause of delays in life and health insurance policy issue is often due to time lags in receiving the Attending Physician Statement (APS) also known as Third Party Reports and how that impacts the underwriting process.
Customers are waiting months to recieve life and living benefits coverage due to poor data quality, lack of physician motivation and paper based process culminating in long APS cycle times.
“Insurers are not prepared to seamlessly integrate with the future of transportation.”
This was one astounding conclusion that our project team came to at the end of our 4-week sprint. Through 16 days, 11 participants, 5 companies, and 4 partnerships, we inferred that the auto insurance industry needs to move quickly to adapt to the shifting change in risk.
And although the project team had originally determined 2050 as a placeholder date for the mass adoption of fully autonomous vehicles, through the course of the sprint, two problems became apparent:
The anticipated date of 2050 is in fact, too far out
Insurers are not ready for this disruption
Our Proposed Solution
To tackle both of these problems, the team created a portfolio solution with the following three elements:
Discovery and Awareness Portal
Adaptive Risk Model
Transportation Short Leasing/UBI Application
The ultimate goal of these three elements is to provide a comprehensive solution for auto insurers while providing a user-friendly experience for the average driver.
1. Discovery & Awareness Portal
This portal will address the safety concerns of the customer by providing a manufacturer agnostic resource where customers can learn and experience what it’s like to be in an autonomous vehicle.
2. Adaptive Risk Model
This risk model will take into account the transition period (or the “messy middle” environment) where customers will be driving vehicles that have some autonomous features, but are not yet fully autonomous.
3. Transportation Short Leasing/UBI Application
This application is aimed towards consumers who do not own a vehicle, but still require transportation. This is intended to be more financially appealing than taxis and this type of broker for autonomous transportation is projected to become more relevant over time.
Next steps for the Autonomous Vehicle Project Team
In addition to the above deliverables, the team produced a business case that outlined how the sustainable business model, which was presented at the team’s final presentation. The final valuation of all of these products was a whopping $150 MM.
Immediately following the presentation was a next steps session where the audience and project team discussed how to bring the proposed MVPs to market. The following priorities were identified to be further defined in 2018:
Getting buy-in from regulators for these new insurance models
Creating partnerships with manufacturers
Communicating the value of autonomous vehicles to consumers
Creating insurance for pay-per-ride insurance
Creating and refining the steps to aggregate information
Designing an operational plan (how to make the $$)
Bringing e-call (automated emergency calling) to Canada
Collaborating with private and public sectors to improve safety in the transition period
Creating data privacy guidelines
Standardizing AV guidelines
Creating a risk model
Want to get in on the action?
Although our initial project sprint has ended for the Autonomous Vehicle team, it’s not too late to become involved with the next steps of this project! Make sure you’re a part of our next phase by becoming a member of Cookhouse Lab in 2018! Our introductory membership prices are ending in Q1 of 2018, so the time is now.
Become an industry thought leader. Don’t forget to share.
Holiday season is fast approaching and that means it’s gifting time! But with so many new things on the market, how can you be sure that what you’ve picked is something that they’ll love?
Here at Cookhouse Lab, we’ve compiled your 2017 list of must-have gifts for that innovative friend of yours (or yourself, because treat yo’ self is a legitimate thing) that’s always looking to stay ahead of the curve with the newest, freshest, and most exciting thing on the market today.
Go ahead – be the holiday hero with these seven gift suggestions that every kind of innovator in your life will appreciate.
1. Bluetooth Earphones (and AI Technology)
Wires are so last year, innovator. Make your giftee’s life that much easier with these cordless earphones that they can use in places like the office, the gym, and the subway! And since we’ve worked on several projects that integrated the use of artificial intelligence (like our AI in the Claims Processand Delays in APS) we thought these new Pixel Buds (which work alongside Google’s AI service – Google Assistant) are super innovative. Bluetooth earphones have a wide range in price points, which means you ought to find one that works for anyone. Earphones start from just $30 and go all the way up to $200.
2. Innovation Books
Yes, yes, I know. Books aren’t the most innovative thing on the market, but all of the world’s best ideas are born from inspiration – which can totally come from the best books. This book(for just over $20!) will take you through the conventional and unconventional ways that you can innovate in your workplace, all backed through extensive behavioural psychology.
3. An Inspired Course
With New Year’s coming up, many of us are going to work on a few resolutions. Why not give the gift of learning and professional development by helping your innovative friend get a head start on Design Thinking? There are many Design Thinking courses (like this one from the University of Toronto) and literature (like this one by Nigel Cross), and Cookhouse Lab is thrilled to announce that we’ll be kicking off our very own Design Thinking 101 series and courses in 2018. Be sure to contact us to learn more and put yourself on our list!
4. Virtual Reality (VR) Headset
Know someone that couldn’t get away this holiday season? That won’t matter once they have a VR headset like the Oculus Rift, where they’ll be escaping to somewhere new from the comfort of their living room. Although the Oculus Rift is a pricier option (the set starts at $529), you can also get one for less than $50!
5. Molecular Food Kits
Who doesn’t love food? These cool kits not only elevate any culinary experience by the ability to change the look and feel of any ingredient, but they also allow you to deconstruct any dish. Buy the food kit here or for your cocktail-loving friend, the mixology kit here.
Bitcoin (and blockchain) has been all over the news lately, so maybe it’s time to get aboard the cryptocurrency train and gift that special someone with some. But first, what is bitcoin? What is blockchain? Well, bitcoin is a use-case of blockchain technology, which some are hailing as the biggest new invention since the Internet. Blockchain projects are happening in every sector, including insurance (check out what we learned in our first Blockchain & Insurance project here!).
If Bitcoin is a bit out of your price range (currently sitting at just over $23,000 CAD as of 12/19/17), other cryptocurrencies deployed on a blockchain include Ethereum, Litecoin, and Ripple. For Canadians wishing to purchase, QuadrigaCX is a popular exchange. For Americans, Coinbase is an option.
Drones are super cool for everybody. They’re interactive, and it’s thrilling to make something fly. And drones are not only impacting entertainment technology for the average user, they’re shaking things up in other sectors (Have you heard of drones being tested for things like mail delivery?) Want to get in on the drone action? Beginner drones start for less than $30, but make sure you read up on drone insurance!
There you have it! Simple as that. Enjoy your upcoming holiday season innovators – we can’t wait to have you back in the Lab in 2018. If you can’t wait until then to hear from us, make sure to subscribe to our newsletterfor all of our insights, delivered straight to your inbox.
Become an industry thought leader. Don’t forget to share.
“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.
1. APPLICATION AND SCOPE.
This Anti-Spam Commitment generally applies to any electronic communications sent by msg global solutions to outside parties and is protected by a range of business procedures, processes and policies to ensure that such communications are done in compliance with CASL. msg global solutions, in its electronic communications with outside parties, has to comply with the rules established by CASL and enforced by the Canadian Radio-television and Telecommunications Commission, the Competition Bureau and the Privacy Commissioner of Canada. CASL regulates all commercial electronic messages (“CEM”), which are messages that include among their purposes, the encouragement of participation in a commercial activity.
2. WHAT IS msg global solutions DOING TO COMPLY WITH CASL?
msg global solutions has undertaken various initiatives in order to make sure that it is compliant with CASL. It has adopted this Anti-Spam Commitment to provide transparency to outside parties with respect to the compliance of the organization’s electronic communication practices with CASL, as well as undertaken the following initiatives:
msg global solutions has implemented CASL compliant consent forms
The consent of outside parties is necessary in order for msg global solutions to send a CEM. This consent typically must be “express”, but in certain circumstances consent can be “implied” and in others, messages are specifically exempt from consent requirements. msg global solutions has modified certain consent forms in order to ensure that the express consent obtained from recipients is in compliance with CASL.
Your communication preferences can be updated at any time by visiting the Preference Centre, which can be accessed at any time via our website, and you will be notified via email when changes have been made. You can have your email address removed from our mailing lists at any time, although even if you unsubscribe to receiving CEM from Msg global solutions, you may still receive electronic messages from msg global solutions which relate to an ongoing business relationship or which are exempt under CASL.
msg global solutions has modified its email footers
msg global solutions has modified its email footers to manage CASL’s consent requirements. Under CASL, all CEM sent must include certain prescribed content. For example, msg global solutions must clearly identify itself as the party sending the CEM, provide a method whereby the recipient can readily contact msg global solutions, such as a mailing address and one of (i) a telephone number with active response voicemail; (ii) an email address; or (iii) a web address; and provide a working unsubscribe mechanism. CASL compliant email footers have been updated on all CEM sent from msg global solutions, in order to ensure compliance with CASL.
msg global solutions has incorporated Unsubscribe Mechanisms
msg global solutions has incorporated unsubscribe mechanisms into all CEM, in order to manage CASL’s consent requirements. Under CASL, each CEM must provide a working unsubscribe mechanism (functional for 60 days), which must be processed without delay, within a maximum of 10 business days. msg global solutions has set up a uniform process in order to ensure that all unsubscribe requests will be complied with. You may at any time unsubscribe from receiving CEM from Msg global solutions by following the process laid out in the electronic message you receive, or contact: email@example.com. However, even if you unsubscribe to receiving CEM from msg global solutions, you may still receive electronic messages from msg global solutions which relate to an ongoing business relationship or which are exempt under CASL.
3. WHY ARE YOU RECEIVING AN ELECTRONIC MESSAGE FROM msg global solutions?
The types of CEM msg global solutions may send from time to time could include the following:
CEM sent to msg global solutions’s current or potential clients (whether individuals or businesses), by msg global solutions’s marketing department or msg global solutions’s sales and business development team. For example, this may be for prospecting purposes or in order to answer a request for information or an inquiry;
CEM sent to msg global solutions’s current or potential service providers by various msg global solutions business units. For example, msg global solutions may outsource part of its activities to a third party (such as a maintenance company, a translation service provider, etc.) or, msg global solutions HR department may contact potential employees electronically for recruitment purposes.
CEM sent to msg global solutions’s current or potential business partners. For example, this may be for building or finding new ventures and partnerships with industry companies, groups and associations.
If you have received a CEM from msg global solutions and you believe that you should not have, please assess as to whether you have provided implied or express consent to receive CEMs from msg global solutions, or if an exemption applies.
Express Consent: You can verify that you have provided express consent to msg global solutions (or verify the status of your consent) by reviewing your preferences in the Preference Centre.
Implied Consent: msg global solutions may infer your implied consent if:
msg global solutions has an existing business relationship with you or has a former business relationship with you which terminated less than two years ago (for instance, you are a former client);
msg global solutions received an inquiry from you within the last 6 months;
You disclosed your electronic address to a msg global solutions employee (for example you provided your business card to a msg global solutions employee) or you conspicuously published your electronic address (for example, via a corporate website or in a brochure) and the CEM sent is in connection with your business role and function.
When is an electronic message exempt under CASL?
If you are receiving an electronic communications from msg global solutions, it may be a message that is exempt under CASL. This would be the case if the message is one the following:
you have a personal relationship with the msg global solutions employee who contacted you, meaning that you have previously had a direct, voluntary, two-way communication;
you have a family relationship with the msg global solutions employee who contacted you;
the CEM is sent within msg global solutions (between employees of msg global solutions);
the CEM is sent between msg global solutions and another business, where there is an ongoing relationship between msg global solutions and this other business;
the CEM was sent by msg global solutions to you, in order to respond to your request or inquiry; or
the CEM was sent by msg global solutions to you, in order to enforce a legal right or obligation (for instance, if you have an outstanding debt, or breached a contract that you have with msg global solutions, etc.).
In certain situations, your consent is not required for certain types of messages sent by msg global solutions, although you may still unsubscribe from future transmission of similar messages. The type of messages where msg global solutions does not need your consent is an electronic message that:
is sent once, following a referral by a current msg global solutions client, service provider, business partner or employee who also has a personal or business relationship with you;
only provides you with a request for a quote or an estimate;
only facilitates or confirms a transaction;
only provides msg global solutions warranty, product recall, safety or security information; or
only provides information about your ongoing use of msg global solutions services or products or ongoing purchases (including updates and upgrades).
If you have received a CEM, and you believe that you should not have, please contact us immediately at firstname.lastname@example.org and we will promptly remove your address from our list (within maximum 10 business days).
4. SOCIAL MEDIA.
You may be contacted by a msg global solutions employee via social media, such as LinkedIn, if you are connected on the social network with the msg global solutions employee, or if you have indicated through your preference settings the fact that you are open to receiving messages about new business opportunities or ventures. You may also be contacted if you have conspicuously published your electronic address (for instance, on a social media website), have not indicated that you did not wish to receive CEM, and the CEM sent is in connection with your business role and function.
5. WHAT TO DO IF YOU NO LONGER WISH TO RECEIVE CEM FROM msg global solutions.
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.