The Ultimate SummerHack 2022 Guide

It’s almost time to kickoff SummerHack 2022: Global Insurance Design Thinking Ideathon!  

This global event brings together InsurTech experts and innovators from all over the world for 2 days of exciting insurance innovation and friendly competition. Our teams will tackle challenges related to the theme “Artificial Intelligence”, and under the guidance and support of our Certified Innovation Experts, use Design Thinking to develop creative solutions to present to our esteemed panel of judges at the Final Pitch Event

To help you prepare for our upcoming virtual Ideathon, we’ve put together this quick guide on how to disrupt the insurance industry using Design Thinking in time for the big deadline! 

Before We Begin 

If you’re new to Design Thinking, visit “Introduction to Design Thinking”, where we describe the concept behind the methodology and the stages involved. 

How to Use Design Thinking at SummerHack 2022 

While the Design Thinking stages may sound time-consuming, it’s possible to walk through each of them within a short timeframe. As a reminder, our Innovation Team will be available via regular check-in calls during the event to answer any questions and provide support on how to follow Design Thinking to develop impactful solutions. Please note that each check-in calls will be held between 9 AM to 5 PM in three different time zones — Eastern Daylight Time (EDT), Central European Summer Time (CEST), and Singapore Time (SGT). 

So, how can you use Design Thinking to create a winning solution in just 2 days

Below, we share a quick guide on how you can structure your time according to the stages in the Design Thinking methodology to help you conquer SummerHack 2022 and blow our judges away! 

Tuesday, May 10, 2022  
10:45 AM – Empathize 

At 10:00 AM, the Cookhouse Labs team will announce our “Artificial Intelligence” challenges and you will have 2 days to create your solution for your chosen challenge! 

You will have 45 minutes to discuss the challenge statements with your team and select 1 that you will tackle over the course of 2 days.

After you select your challenge, your Design Thinking journey begins with the first stage, Empathize. This is where you will begin to understand your target group, which can be done in 2 ways: internet research and interviews with your persona. You can’t create a customer-centric solution without putting yourself in the shoes of the customer, and a good way to do this is to speak directly with the potential customer and listen

Deliverables: By the end of this stage, you will have: 

  • An Empathy Map to help you visualize how the user thinks/feels and documents their pain points 
  • Your Persona, a character that represents the type of customer/user of your solution. For example, in our last project about mitigating small business bankruptcy, we created the persona of Fiona, a small business owner in Toronto  

1st Check-In: Our Innovation Experts will be available from 10:45 AM to 11:15 AM! 
 

2:00 PM – Define 

The next stage focuses on constructing a point of view based on the user’s needs. Here, you will take time to reflect on what the user has shared with you and to visualize their experience. By doing so, you can define what problem you are trying to solve based on your persona’s main needs and pain points, which will help you shape a better experience for the user. 

Deliverables: By the end of this stage, you will have: 

  • Journey Map, which is a narrative of your user’s steps to accomplish a specific goal. This is mapped out in 2 layers: a timeline of the user’s actions and their thoughts/emotions while completing each task. You want to identify areas where the user encounters obstacles or barriers along their journey 
  • How Might We (HMW) statement, a brief statement presented in form of a question that clarifies the actual problem you are focusing on based on the Journey Map and identifies the benefits and gains the solution. In the same project about bankruptcy mitigation, our team created 20 HMW statements and selected, “How might we reduce the risk of financial impact of current economic events?” and as they moved through interviews and customer journey the focus of their project became “How might we use the Internet of Things to assist small business owners with their Financial management, improve profitability and reduce bankruptcy?”. (Notice the benefits and gains in bold)

2nd Check-In: Our Innovation Experts will be available from 2:00 PM to 2:30 PM! 
 

4:30 PM – Design 

After selecting a single HMW statement to focus on, it’s time to ideate! This stage is all about connecting to your inner child and using your imagination to come up with multiple solutions to the problem your team identified. Quantity is important here, so remember to list as many possibilities as you can! 

Deliverables: By the end of this stage, you will have: 

  • Multiple possible solutions to tackle the challenge in various timeframes 
  • chosen idea to begin prototyping! 

3rd Check-In: Our Innovation Experts will be available from 4:30 PM to 5:00 PM! 

5 PM – Networking

At the end of Day 1, participants are invited to join us for an hour of networking with other innovators and our jury panel!


 

Wednesday, May 11, 2022  
11:00 AM – Create 

From 9 AM to 11 AM, you will have time to continue the Design phase and ideate as many solutions as possible to your chosen challenge.

Once your team has voted on a winning idea, you are now ready to build a Minimum Viable Product (MVP). You will begin by creating a low-fidelity prototype, which could take the form of a sketch, Excel spreadsheet, or PowerPoint presentation.  

Deliverables: By the end of this stage, you will have: 

  • sketch of your Lo-Fi prototype to help visualize and test the solution 

4th Check-In: Our Innovation Experts will be available from 11:00 AM to 11:30 AM! 

 
2:30 PM – Presentation

In a little over 2 hours, you will submit your final solution!  

At this time, you should begin to practice your pitch and prepare any materials required (such as PowerPoint slides). Remember, you will have to submit a 4-minute video of your pitch to play for our panel of judges, who will ask you follow-up questions right after!  

Deliverables: By the end of this stage, you will have: 

  • Submitted your pitch video on our platform, including a brief description and all supporting materials 
  • Prepared for questions from our judges at our Final Pitch Event beginning at 8:00 AM EDT 

5th Check-In: Our Innovation Experts will be available from 2:30 PM to 3 PM! 

5 PM – Networking

At the end of Day 2, we will hold another open networking session for participants and judges to come together to celebrate crossing the finish line!


 

To provide even further support, our Innovation Team has prepared an Introduction to Design Thinking Masterclass series to introduce you to the methodology and help you prepare before the event. On the day of the event, you will have access to our experts during the innovation check-in sessions where you will have the opportunity to ask any questions you have after watching the Masterclasses.

And with that, you are now ready to disrupt the insurance industry!  

We wish all our teams the best of luck for SummerHack 2022! We invite our community members to join the Final Pitch Event on Thursday, May 12th at 8:00 AM EDT to see the exciting solutions our teams of insurers, startups, and student innovators develop.  

To receive an invite, please register here. 

SummerHack 2021: New Times, New Experience [Part 7]

In the final part of our series, I sat down with Zain Ibrahim, a SummerHack 2021 judge and Executive Director and COO at EFU Life in Pakistan. We discussed Zain’s experience as a first-time judge and participant, highlights from the event, and his advice for teams looking to win at next year’s SummerHack 2022!

Check out a snippet of our interview with SummerHack 2021 Judge, Zain Ibrahim!

Zain, thank you for joining us both as a judge and participant this year! We’re curious to know, what inspired you to get super involved with the event?

I was recommended by a previous colleague who knew from firsthand experience about the appetite of our company to digitalize and innovate within our industry. I was then approached by Cookhouse Labs, of course, and later found out that I had connected with Jason (Cookhouse Labs’ partner in China) beforehand, so I felt at home.

As a judge and as a participant, you have two different perspectives to share with us. Let’s start with the participant side; What is something about the participant experience that you wish more judges and audience members knew?

Above everything, it taught me to empathize more. As a participant, I gained an understanding of how the whole process works, and I was able to relate more to the teams and what they were trying to achieve. In a global event, teams are from various backgrounds, and it would better serve the judges if they understood the markets the teams are coming from and what challenges they are trying to solve within their regions.

On the other hand, what is something that you wish participants understood better from a judge’s point of view?

It’s all about simplicity. All beautiful things start simple, and judges are not looking for complicated solutions. For every solution we looked at, we asked, “What’s the simple idea here?” to help us understand what the team was trying to solve. So, the key is simplicity.

Staying on the topic of looking at solutions, which pitch did you find memorable and more importantly, why was it memorable for you?

Both the winner and runner-up were amazing! The pitch deck that caught my eye most belonged to the winner, and I’ll tell you why. They took on a difficult challenge and presented it in a uniquely creative way. I was really impressed by the practical solution and the way they executed the pitch.

After seeing all of these pitches and other pitches you’ve seen in your profession, what are three key ingredients that make a successful pitch?

The first one would have to be passion, specifically for the problem that you’re trying to solve. Without that, you will not be able to put your heart into finding the solution, and without that, you won’t be able to come up with a truly innovative pitch.

Another ingredient would be practicality, because while you may come up with an out-of-the-box solution, you need to be mindful of the fact that your innovative solutions should be practical, executable, and should make business sense.

The final ingredient would be the presentation video. You can tell when a team allocates a significant amount of time to the content and to the idea when you see the actual presentation video, and this differentiates the good ones versus the really good ones.

So, what advice would you offer teams for next year?

Practice more. As a team, it’s always better to practice your presentation several times beforehand and even preempt some of the questions that the judges will ask, because then you’ll be able to better handle the questions and everything will look flawless.

Drawing on your experience as both a participant and as a judge one more time, how would you describe your overall experience at SummerHack?

One word: Amazing. The best thing about participating in such an event is that we got to step away from our everyday tasks and unlearn everything we knew about innovation. It was our first time learning about the Design Thinking methodology, and when we were chatting about our experiences afterwards, you could tell that it inspired an innovative mindset in all of us. Now we ask, “Is there a better way to manage this?” in our day-to-day tasks.

I’m really impressed by the flawless management of the event. The team had to manage 12 hours of time differences and they did a tremendous job. All the prep work was given to us and we had meetings before the event, where we were told what to do and what to expect. Even the technical support, I remember, was incredible. We had trouble at the very last minute in uploading our pitch video late at night, and we asked for help. We were helped immediately, and so to Cookhouse Labs, thank you for the amazing management.

Thank you for the kind words! A final question for you: How can an event like SummerHack help #MakeInsuranceBetter for the global community?

Such an event fosters innovative thinking, right? And innovative thinking means thinking differently for different markets. An event like this helps in the local context, because you see global companies talking about challenges and solutions that are relevant to specific markets, but the way they are handling those challenges could in some way, shape, or form be applicable to another market. That’s the beauty of having a global event: You can learn a lot about how others are tackling challenges around the world and apply it to a local challenge. There’s always something you can take away from these events.

Zain, thank you so much for sharing your insights and valuable advice with our community. We wish you all the best and hope to see you and Team EFU Life again at SummerHack 2022!

Want to stay informed about how you can join our upcoming SummerHack 2022? Join our mailing list here and receive updates straight to your inbox!

Recap: Our First Hybrid Event ft. University of Amsterdam!

Earlier this month, we ran our first-ever hybrid event in our Toronto Lab space! 

We were delighted to host an in-house day on November 3rd for a large group of students from the University of Amsterdam as part of the VSAE International Study Project 2021, where Actuarial and Econometrics students visited Toronto for a week to immerse themselves in the Canadian business world. 

Our team was very excited to welcome them — check out how we prepared the Lab space for our special guests below! 

The Setup

We had fun setting up the Lab for our special guests from The Netherlands!

As we continue to grow internationally, our team has been exploring opportunities to run hybrid events that allow participants to join both in-person and virtually. In 2020, we even invited students from the University of Applied Sciences in Würzburg-Schweinfurt, Germany (FHWS) to develop their own solution for a hybrid event model. Check out the cool robotic solution they came up with here

To test out our hybrid concept, our Lead Innovation Coach, Ibeth Ramos, led the day’s events remotely, while our Co-Founder Sven Roehl and our intern Niklas Bortzler were present in the Lab to greet the students and facilitate the on-ground activities. 

The Welcome

The student group arrived promptly at 9 AM and received a warm welcome from our in-house team. After they found their nametags and poured themselves a hot cup of coffee, the group settled in the main Lab space to begin their exciting day with us. 

Our Co-Founder Sven gave a brief introduction of Cookhouse Labs and msg global solutions, our parent company. Director of Cookhouse Labs Utrecht (The Netherlands), Rian de Heer, joined the introduction virtually from France to provide more insight into msg global solutions, beginning with the company’s origins in 1980 and how it grew to over 8500 employees in 28 countries today.  

Sven continued his presentation with a deeper dive into the history of the insurance industry, sharing challenges along the way and how Cookhouse Labs is playing a part to #MakeInsuranceBetter by facilitating innovation, collaboration, and co-creation. 

The Introduction

After a quick coffee break, Coach Ibeth gave the students a virtual introduction to Design Thinking, walking them through the fundamentals of the human-centered innovation methodology. The students were also introduced to her lovely puppies, who joined the session briefly as well! Then, they set off for a quick lunch break before they began to apply their learnings in a short sprint. 

The Sprint

The students were split into 4 teams and invited to tackle the challenge of how the insurance industry can help combat climate change. They began the first step of Design Thinking: Empathy, which required them to learn about current perspectives on insurance and climate change.  

During step two, Define, they mapped out their findings on a whiteboard empathy map. Using these key insights, the student teams defined a persona and created a journey map. For example, one team chose the persona of a 28-year-old salesperson who was inspired by a climate change documentary and mapped out the persona’s experience of getting in touch with their insurer to see how the organization could make a difference. 

Coach Ibeth continued to guide the teams, visiting each room virtually and interacting with the students as they moved to the next step, Design. The students ideated solutions they could develop within various timeframes, such as 1 week and 1 month.  

After voting on the top idea to develop, the teams dove into the next step, Create. Coach Ibeth had prepared special prototyping boxes for the students the day before their visit, with various fun materials to use during this stage, such as feathers, stickers, pipe cleaners, and popsicle sticks. She invited their inner child to come out and play, providing the space for them to express creativity and have fun. 

During the final step, Test, the teams presented their prototypes to each other, such as an information app and smartwatch to help customers monitor their carbon footprint. The presentations were creative, fun, and all unique — we were absolutely blown away!  

The Wrap-Up

As the clock struck 4:30 PM, we began to wrap up our in-house day with positive feedback and final comments. Co-Founder Sven and Coach Ibeth encouraged the students to always trust the Design Thinking process and to stay connected to our global community by joining future opportunities to co-create with insurance thought leaders. Our team then presented the students with special gifts ahead of the holiday season, and the whole group posed for a few photos before a little networking and final goodbyes. 

Before we concluded the day, we asked Michelle Mutsaers, who is a board member of the VSAE, to describe the in-house day experience: 

“During the in-house at Cookhouse Labs, our students learned to solve problems by using more creative and out-of-the-box thinking. The day was well-balanced with a short theoretical part and after that, immediately using this in practice. In short, it was a highly educational and fun day!” 

— Michelle Mutsaers, Board Member on the International Study Project Committee 2021 

A big thank-you to VSAE for spending a day in our innovation space, and to msg global solutions Canada for being the sponsor for the day! We enjoyed meeting and hosting the students and look forward to seeing all of you continue to achieve big things in the near future! 

Want to be the first to hear about our next young talent event? Join our community and receive updates directly to your inbox! 

VSAE International Study Project 2021 [Nov 3]

VSAE International Study Project 2021 [Nov 3]

We’re excited to host an in-house day for students from the University of Amsterdam in our Toronto Lab space! As part of the VSAE International Study Project 2021, Actuarial and Econometrics students will visit Toronto in November to explore the Canadian business world. We look forward to spending a full day with our visiting young talent, running through activities to inspire creativity and an innovative mindset! 

SummerHack 2021: New Times, New Experience [Part 6]

In the next part of our series, I sat down with Si XIe, Head of Financial Planning and Insights at HSBC Pinnacle Venture and a 2-time ideathon Judge (SummerHack 2020 and 2021). We discussed the highlights of this year’s global competition, the ingredients to a great pitch, and what teams at SummerHack 2022 can do to win our big prize!

Check out a snippet of our interview with SummerHack 2021 Judge, Si Xie!

Si, thank you for your continuous support of our global Design Thinking ideathons! We’re curious to know, what inspired you to return to the jury panel this year?

First and foremost, the energy and creativity from the participants as they worked together to solve a real industry challenge. I often see many unconventional ideas at these events that even I, as a long-term participant, would not have dreamt about. With my experience over the last two years of helping HSBC set up a digitally enabled financial planning business from the ground up, I have a lot of appreciation for thinking differently.

Speaking of perspectives and thinking differently, you have the unique experience of being both a participant at one of our ideathons and a judge at two more. What is the one thing about the participant experience that you wish that judges and audience members knew more about?

Innovation is like a muscle that you need to constantly exercise to become better and stronger at it. Design Thinking is a great methodology that has proven to be successful. However, this process does require many iterations, and can feel quite unnatural and difficult at first — at least, it was for me initially. No challenge is easy, and sometimes things don’t go well during the journey, but I was also amazed at the result. As a judge, I would want fellow judges and audience members to appreciate how much work the participant has to do during the event.

Now, using your judge lens, what do you wish that participants knew about the judge’s perspective in these events?

It’s equally challenging for the judges, and we often deliberate for long periods of time to decide on the winner. So, if your idea did not win, it does not mean that is not a great idea. There can only be one winning solution, but we see so many great ideas from the teams.

That’s a very valuable insight for our participants! Staying with your judge lens, what do you enjoy most about being on the panel of our ideathons?

It really helps me think outside the box and see what opportunities are out there. From an international perspective, I draw from the inspiration and bring it back to my day-to-day work as well. Since I work for one of the biggest organizations in the world, exposing myself to different global problems and solutions helps with my job and career development and for me, that’s very valuable.

Focusing on the inspiration and ideas, which pitch stood out most to you and more importantly, why did it stand out to you?

The most memorable solution for me was by Team SaveMoney. Their solution helped restaurants find a reliable local supply chain, which in turn, also opens credit related insurance opportunities. It was a very creative idea that not only fit with the theme of reducing ecological footprint, but also it created product opportunities for the insurer. The possibilities are limitless; it can apply to different cities and different countries, and I appreciate that kind of out-of-the-box thinking.

Reflecting on your entire experience at our ideathons, what are three pieces of advice that you can offer teams looking to win next year?

From a participant’s lens, as long as you improve your innovation skills by going through the process, it is already a win. To get the most out of the event, be open-minded and be prepared to work hard, because it isn’t easy. And lastly, set up a team with diverse backgrounds and skillsets, because this will maximize the chances of coming up with a more creative idea.

Final question: How can an event like SummerHack help #MakeInsuranceBetter for everybody in the global community?

It gives us an opportunity to challenge our own ways of thinking and to open our minds to new ideas, such as new forms of risk, new solutions, or new operating models that perhaps we had never thought of before. I often think about this; Instead of letting tech giants disrupt our industry, why don’t we reinvent ourselves? Why not disrupt ourselves? So, this event is great because sparks ideas to solve our own problems in the industry.

Si, thank you so much for sharing your thoughts and valuable advice with our community. We wish you all the best with your venture and we hope to see you again at SummerHack 2022!

Food for Thought ft. Stabl: World-Class Clinical Care in the Living Room

Stay up-to-date with the latest InsurTech trends, hear valuable insights from industry trailblazers, and discover up-and-coming startups in our brand-new 45-minute webinar series!

On average, 65% of patients do not follow physical therapy exercises, extending recovery timelines by weeks and costing insurers $1.03 billion in additional healthcare expenses. 

What if you could optimize your customers’ post-operative timeline to ensure they recover as planned? 

In our upcoming Food for Thought live session, we’re excited to welcome the winner of our Startup Pitch Specials: Reimagining HealthTech in Insurance — Hamza Shaikh, Founder & CEO at Stabl, a digital health platform that manages a patient post-operative recovery and uses real-time motion feedback via your laptop or smartphone camera to optimize the recovery timeline. Stabl’s platform enables providers to monitor recovery and make adjustments efficiently while remaining within budget.  

You don’t want to miss this — click the button below to secure your spot! 

Date: Tuesday, October 12, 2021
Time: 8:30 – 9:15 am EDT | 2:30 – 3:15 pm CEST
Location: Online

* By registering for this event, you are automatically welcomed into our community! You will receive exclusive event invitations and innovation opportunities from Cookhouse Labs via our mailing list — don’t worry, you can always unsubscribe later!

Want to check out some of our past live sessions? Click here to view clips of other great solutions from around the world! 

Startup Bites: Meet the Young Chefs [Part 7]

We’re excited to continue our series, “Startup Bites: Meet the Young Chefs”, where Co-Founder Sven Roehl sits down with founders of startups to chat about their exciting solutions and how they’re on track to make big waves in the insurance world.

In today’s blog, Sven sat down with Parloa, the winner of our Startup Pitch Specials: Germany and Beyond event. Founded in 2017, the startup aims to replace old touch-tone IVRs in the call center with a more natural and efficient customer experience across different channels, such as over the phone, on-site chats, and even WhatsApp. The low-code front-end design means insurers do not need data scientists, machine learning engineers, or developer resources to leverage the Conversational AI solution.

Check out what we learned about Parloa below!

Check out a clip from the interview!

How It All Began

Almost 5 years ago, the founders were fascinated by voice assistants Alexa and Google Assistant and their ability to interact with humans. Immediately, they knew that something big was happening and wanted to be a part of the change. They founded one of Europe’s first Conversational AI agencies, called Future of Voice, to work with clients to build voice interactions using those voice assistants. Within the first 2 years, they recognized 2 major challenges:

1. No low-code tool existed in the market to help companies build these voice automation experiences

2. Existing voice assistants supported daily tasks (such as to-do lists and playing music), not customer experience functions

The founders subsequently launched Parloa, which uses Conversational AI to enable companies to automate their phone infrastructure to elevate customer experience.

Their Biggest Challenge?

Moving away from voice assistants and towards phone infrastructure — it was also their best decision!

When the team finally found product-market fit, they focused their attention on the next challenge: growing as fast as possible.

So, How Does Parloa Help Insurers?

Up to 40% of a customer service agent’s time is spent authenticating the customer’s identity using details such as birthdates. Within the insurance industry alone, this adds up to 26 million minutes (50 years!) wasted per day.

Parloa gives insurers back their lost time by automating these repetitive tasks and optimizing certain KPIs. Using automated speech recognition and natural language understanding, Parloa empowers insurers to train their models using real-life interactions with customers to create a customer experience that gets better every day. This means happier customers and of course, happier agents!

3 Use Cases for Parloa’s Conversational AI Solution

1. Routing: Replacing old touch-tone IVRs with a more customer-friendly experience and the most intuitive way to express a concern: Speaking

2. Authentication: Give your agents back their time by replacing manual authentication processes with Parloa’s easy-to-use connections to your CRM

3. End-to-End Cases: Whether it’s an address or contact data change, let Parloa handle repetitive tasks so your agents can focus on solving real problems for customers

Bonus: Agents Receive Transcripts of Interactions with the AI

When Parloa routes a customer to an available agent, the agent receives a transcript of the AI’s customer interaction in order to help the agent better support the customer and continue the conversation. This transcript also provides valuable data to continue to train the system for future interactions, so you can rest assured that your customer experience is getting better day after day!

After witnessing Parloa’s much-needed solution in action, we can see why the judges voted for this innovative startup as the winner of our Startup Pitch Specials: Germany and Beyond! We wish Parloa the best as they continue to grow internationally and look forward to welcoming the team back for future events!

SummerHack 2021: “New Times, New Experience” Winning Solution

Innovation Project Summary Cookhouse LabS

SummerHack 2021: “New Times, New Experience” Winning Solution

Facing the challenges of the global pandemic, insurers must reimagine their products and services to cater to the new challenges faced by consumers.

2

DAYS

ONLINE

2021

12

TEAMS

12

MVPs

Challenges

Under the theme “New Times, New Experience”, we asked our teams to choose from these challenges and ideate a real business solution using our Design Thinking methodology:

Ecological Footprint

How might we develop a solution/service to support ecological footprint?

Access to Insurance

How might we develop a solution/service to cater to the growing underserved population?

Embedded Insurance

How might we develop an embedded insurance solution/service to attract and serve the younger generation?

Gig Community

How might we develop a solution/service to support dynamic and engaged independent workers?

WHY?

Understanding Jason and Sarah, part of our Gig Community

With limited time on hand, Team Foresters decided to take on the challenge of supporting and engaging the Gig community, seeing that the current crisis is pushing many people to search specifically for non-traditional forms of employment that provide flexibility and additional income.

PAINS (COMMON)

GAINS (COMMON)

DISCOVERY

Insurance companies cannot measure crucial data when it comes to self-employed gig/seasonal workers, therefore current insurance coverage options do not align with their needs and ability to pay.

How can we make it easier for gig workers to access insurance to fulfill their financial and health needs?

How can we offer seasonal workers a sense of stability despite their fluctuating income?

SOLUTION

The team ideated several solutions to offer gig workers ease and stability when it came to their insurance coverage, and together, they selected the final solution to prototype.

How might we provide a flexible insurance solution that improves the well-being of gig workers?

GIGLIFE

In essence, gigLife offers benefits and community within the gig economy, including access an exclusive community forum, learning platform, and discounts while managing credits in a healthcare spending account during and between gigs.

GigLife supports independent workers by providing benefits they may lack, a buffer when they are between gigs, and access to professionals who can offer financial and legal advice. The platform provides health benefits funded through a combination of participation fees. The platform could also provide benefits to participants by purchasing a life insurance policy and advancing a portion of the death benefit to cover the costs of the current benefits, all legalities taken into consideration.

Further, it aims to create an opportunity for organic group advocacy for the gig working community through social networking features.

RESULTS

At the end of the 2-day ideathon, 11 global teams pitched their ideas to our panel of experts.

16

Countries

18

Hours

100+

Participants

12

Participating Teams

11

Judges

3

Winners

12

MVPs

1

Final Pitch Event

PARTICIPANTS

We also offer intro sessions that provide insurance professionals with the opportunity to experience our Cookhouse Labs methodology and a sneak peek at what it’s like to co-create and collaborate with our global community. If you are not a Cookhouse Labs member and are interested in finding out more, check out our membership benefits!

Staying Connected No Matter Where You Are – Cookhouse Labs Hybrid Experience

Innovation Project Summary Cookhouse LabS

Staying Connected No Matter Where You Are - Cookhouse Labs Hybrid Experience

How can we maintain our engaging innovation experience combining virtual and in-person participants?

1

Semester

ONLINE

2021

4

University students

2

MVPs

Challenge

Define solutions to keep innovators connected, despite being in different rooms or geographical locations, either at home or in the office.

WHY?

Understanding differences between virtual and in-person experiences

SEE

SAY & DO

HEAR

THINK & FEEL

DISCOVERY

Some participants find the virtual experience convenient, but are seeking out better ways to stay engaged during sessions.

How can we help virtual participants feel connected to in-person team members during projects?

How can we redesign our experience to ensure it feels the same virtual and in-person?

What resources can we leverage to create an exceptional hybrid experience?

SOLUTION

The team came up with 50+ ideas and narrowed their solution down to the top 2 — Video Conferencing Robots and the Cookhouse Labs Socializing Box.

Hybrid models (combining the virtual and in-person experiences) have been in our mind since the beginning of our journey. Many times our participants have to travel to other office locations or meet clients and still want to be part of the sprints. A hybrid model is a solution we want to test and implement to maintain our engaging, fun and collaborative experience.

How might we build trust and improve communication among participants on-site, remote participants, and the moderator during the whole project in a hybrid digital session?

1

DOUBLE ROBOTICS

By employing the use of video conferencing robots, we allow participants to feel more present in the Lab. These robots can be controlled via one’s keyboard arrow keys from anywhere in the world over a Wi-Fi network, and give participants an opportunity to explore the physical space from the comfort of their home. With video display on the attached iPads, this solution also overcomes the barrier of joining coffee breaks, inviting discussion and ideation despite the physical distance.

2

THE COOKHOUSE SOCIALIZING BOX

This solution promises an unforgettable social experience, complete with ingredients to make a customized cocktail or mocktail and a light pasta meal. The Box includes the tools needed, such as a branded glass, apron, and even a wooden spoon! To complete the experience, participants will be brought into a virtual culinary class hosted by a Cookhouse Labs moderator, where they can create these dishes together while still being in their own kitchens. This works to create a sense of community and acts as an icebreaker before the main event date.

RESULTS

Over the course of 200+ hours, the team worked closely to understand the challenges faced by facilitators and participants during the virtual experience.

2

Personas

4

Journey Maps

7

Participant interviews

13

Interview questions

50+

Ideas

2

MVPs

1

Robotic Solution

1

Project Presentation

PARTICIPANTS

We also offer intro sessions that provide insurance professionals with the opportunity to experience our Cookhouse Labs methodology and a sneak peek at what it’s like to co-create and collaborate with our global community. If you are not a Cookhouse Labs member and are interested in finding out more, check out our membership benefits!

StudentHack: “AI and Big Data” Winning Solution

Innovation Project Summary Cookhouse LabS

StudentHack: “AI and Big Data” Winning Solution

The arrival of AI and Big Data to the insurance industry brings many opportunities and risks, which insurers must anticipate in order to stay relevant during the imminent digital transformation of the industry.

2

DAYS

ONLINE

2021

15

TEAMS

15

MVPs

Challenges

Under the theme “AI and Big Data”, we asked our teams to choose from these challenges and ideate a real business solution using our Design Thinking methodology:

Build trust

How might we leverage big data and artificial intelligence to increase consumer confidence, trust, and tailor the insurance experience?

Risk management

How might we leverage big data and artificial intelligence to help homeowners understand and mitigate risk to help prevent losses from happening?

Insure the uninsurable

How might we leverage big data and artificial intelligence to improve existing or develop new insurance products that benefit Canadian businesses?

Respond to changing consumers

How might we leverage big data and artificial intelligence to improve the insurance-buying experience to make it more engaging and less of a one-off transaction?

WHY?

Understanding Phil, a happily married Vice President in Toronto

The homeowner’s insurance industry is vast, and Team Jedis discovered that claims have gone up in the past years. Improper management of risks, unclear policy terms and uncertainty lead to losses for both the customer and the insurance providers.

PAINS

GAINS

DISCOVERY

While the claims settlement process is a red flag, the root of the problem is the unforeseen damages to the houses due to negligence. Thus, it is beneficial to predict and prevent rather than detect and repair.

There is uncertainty around the claims procedure, with confusion around what is covered and the amount of deductible paid.

Most homeowners have other financial commitments and bills to pay from their fixed income.

The prolonged process of claims settlement and uncertainty is an added burden on the homeowner.

SOLUTION

Team Jedis ultimately decided that the best way to educate the homeowner would be to incentivize them to use an integrated mobile app that variates their premium if the home is not properly maintained and proper precautions are not taken.

Problem statement

How might we leverage big data and artificial intelligence to help homeowners understand and mitigate risk to help prevent losses from happening?

INSURACONNECT

An AI-based mobile application that integrates with smart devices (such as smart fire alarms) and constantly monitors the health and effectiveness of these devices for the homeowner.

The user is allotted a ‘risk band’ based on their profile and the status of their devices. The AI-based system will compare and suggest smart home upgrades to improve the user risk profile, frequently pushing maintenance recommendations as needed. This incentivizes consumers to maintain their homes by managing key risks, as their ‘risk band’ and premiums will be affected by how quickly the user acts on the recommendations.

In the case of incidents or damages, an automated claim will be filed via the app and a smart bot will be available to answer questions regarding the status of the claim.

RESULTS

At the end of the 2-day ideathon, the 15 student teams submitted their ideas for review to a judge panel of Canadian insurance experts.

100+

Participants

16

Hours

15

Participating Teams

15

Empathy Maps

6

Expert Judges

15

MVPs

1

Winning Team

2

Runner-up Teams

PARTICIPANTS

We also offer intro sessions that provide insurance professionals with the opportunity to experience our Cookhouse Labs methodology and a sneak peek at what it’s like to co-create and collaborate with our global community. If you are not a Cookhouse Labs member and are interested in finding out more, check out our membership benefits!

Contact US!

Here at Cookhouse Labs we are always happy to hear from you. Send us your Feedback or ask any question!

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CASL Acceptable Use

ANTI-SPAM COMMITMENT

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: hello@cookhouselabs.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 hello@cookhouselabs.com 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: hello@cookhouselabs.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: hello@cookhouselabs.com

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 hello@cookhouselabs.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 hello@cookhouselabs.com

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 hello@cookhouselabs.com

Privacy Policy

msg global and its innovation lab program Cookhouse Labs Privacy Policy

We at msg global solutions and our affiliates or programs (e.g. Cookhouse Labs) are committed to protecting your privacy. This Privacy Policy applies to our website and all of its associates websites (the “Websites”). This Privacy Policy governs our data collection, processing and usage practices. It also describes your choices regarding use, access and correction of your Personal Information. By using the Websites, you consent to the data practices described in this Privacy Policy. If you do not agree with the data practices described in this Privacy Policy, you should not use the Websites.

The terms of our privacy policy, which can be found below, is based on the ten principles set out the Canadian Standards Association’s Model Code for the Protection of Personal Information.

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.

We periodically update this Privacy Policy. We encourage you to review this Privacy Policy periodically.

Important Information

1.1. Changes to this Privacy Policy

We may update or replace this Privacy Policy from time to time by posting a new version online. You should check this page occasionally to review any changes. If we make any material changes we will notify you by posting the revised Privacy Policy on our Websites. This helps you to always be aware of what information we collect, how we use it and under what circumstances, if any, it is disclosed. Your continued use of the Websites and/or continued provision of Personal Information to us will be subject to the terms of the then-current Privacy Policy.

1.2. Contact Us

If you have any questions about this Privacy Policy or our treatment of the information you provide us, please write to us by email at: hello@cookhouselabs.com, or by postal mail to: Cookhouse Labs, 30-34 Duncan St, Toronto, Ontario, Canada M5H 1A1, Attn: Privacy.

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:  hello@cookhouselabs.com, 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

In addition to the uses identified elsewhere in this Privacy Policy, we may use your Personal Information to: (a) improve your browsing experience by personalizing the Websites and to improve underlying marketing software; (b) send information to you which we think may be of interest to you by post, email, or other means; and (c) provide other companies with anonymized statistical information about our users — but this information will not be used to identify any individual user. We may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, we do not transfer your unique Personal Information to the third party. In addition, we may share data with trusted partners to contact you based on your request to receive such communications, help us perform statistical analysis, or provide customer support. Such third parties are prohibited from using your Personal Information except for these purposes, and they are required to maintain the confidentiality of your 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: hello@cookhouselabs.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.

3.7. Social Media Features

Our Websites include social media features (“Social Media Features”), such as the Facebook Like button, the Share This button or interactive mini-programs that run on our sites. These features may collect your IP address, which page you are visiting on our sites, and may set a cookie to enable the feature to function properly. Social Media Features are either hosted by a third party or hosted directly on our Websites. This Privacy Policy does not apply to these features.  Your interactions with these features are governed by the privacy policy and other policies of the companies providing them.

3.8. External Websites

Our Websites provide links to other websites. We do not control, and are not responsible for, the content or practices of these other websites. Our provision of such links does not constitute our endorsement of these other websites, their content, their owners, or their practices. This Privacy Policy does not apply to these other websites, which are subject to any privacy and other policies they may have.

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

To facilitate our global operations, we may transfer and access Personal Information from around the world, including Canada. This Privacy Policy shall apply even if we transfer Personal Information to other countries. We have taken appropriate safeguards to require that your Personal Information will remain protected.

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.

Navigational Information

4.1. Cookies

Cookhouse Labs use cookies or similar technologies to analyze trends, administer the Website, track users’ movements around the Website and to gather demographic information about our user base, as a whole.

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

The use of cookies and web beacons by any tracking utility company is not covered by our Privacy Policy. We do not have access or control over these 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: hello@cookhouselabs.com, 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: hello@cookhouselabs.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.

Our Design Thinking Methodology

CHLs Design Thinking Methodology

Learn to understand your target group.

Construct point of view based on user needs.

Collaborate with peers to design an idea and business case.

Build a Minimum Viable Product.

Test & retest the idea with different users.

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