WHO WE ARE

We are Pacific Life Re International Limited, Canada Branch (RIBM-CAB) and Pacific Services Canada Limited (PSCL), Canadian based entities within the Pacific Life Group. RIBM-CAB is regulated by and registered with the Office of the Superintendent of Financial Institutions (OSFI).

References to “we”, “our” and “us” in this Privacy Notice include RIBM-CAB and PSCL.

WHAT WE DO

RIBM-CAB provides reinsurance to the insurance companies who have issued the policies under which you are covered. Reinsurance is insurance for insurers. It allows the insurers to reduce their potential losses by insuring some or all of the risk related to the underlying policies with its policyholders. Reinsurers also insure some or all of the risks they take on from insurers. These arrangements are known as retrocession and the companies providing insurance to reinsurers are called retrocessionaires. These arrangements spread risks across a number of companies which helps to ensure that claims can be paid, particularly when major events occur that trigger significant losses or claims.

We reinsure life policies, critical illness and income protection policies and provide longevity and funded reinsurance solutions. 

PCSL provides support services to RIBM-CAB and employs the staff who carry out the business of RIBM-CAB.   

WHAT INFORMATION WE USE

Information we use may include:

• Your basic personal details such as name, address and date of birth;
• Information that allows us to underwrite individuals seeking cover, including occupation, medical history, lifestyle characteristics and hobbies or activities that may affect the risk and any other insurance policies or insurance-related services they have applied for or received;
• Information that allows us to manage and administer our reinsurance arrangement with your insurer such as calculating reinsurance balances due and monitoring trends in the business being reinsured; and
• Information that allows us to assess claims including the cause and circumstances of the claim, your medical history, your financial history and any other insurance claims you have made.

WHY DO WE NEED IT?

There are several legal bases for collecting, using and disclosing information. We rely on the following:

1.     Consent: When your insurer collected your personal information, you gave them consent to disclose it to their reinsurers.

2.     The personal information can be used or disclosed without knowledge or consent by parties to a prospective business transaction, subject to certain conditions.

It may be necessary for us to use personal information in assessing whether to enter into a reinsurance agreement with your insurer.

3.     The personal information can be used or disclosed without knowledge or consent by parties to a completed business transaction, subject to certain conditions.

Once we have entered into a reinsurance agreement with your reinsurer, we need to use your personal information for the purposes described in this privacy notice in order to perform our obligations under the reinsurance agreement with your insurer.

4.     The use is necessary for compliance with legal obligations to which we are subject.

We are subject to legal and regulatory requirements relating to our business as a reinsurer and may need to use personal information for those purposes.

HOW DO WE COLLECT IT?

We receive personal information about individuals insured under policies from the insurers whose business we reinsure. We do not collect information from individuals directly.

We may generate new personal information, for example, when seeking opinions from our company medical officers on claims we assess.

WHAT DO WE USE IT FOR?

We use your information to:

• Provide reinsurance cover. This may be for a group of policies or for specific individuals and includes underwriting, pricing, estimating future claims and claims assessment.
• Perform reinsurance arrangements. New and existing reinsurance arrangements must be implemented, administered and managed.
• Procure retrocession cover. We may seek retrocession cover for all or part of the business we reinsure. Our retrocessionaires may need information to assess the risk they are being asked to cover.
• Establish, exercise or defend our legal rights in connection with reinsurance or retrocession agreements. This applies when we are faced with any legal claims or where we want to pursue any legal claims ourselves.
• Detect and prevent fraud and financial crime.
• Screen certain personal information we receive about individuals against lists published by governments and international organisations relating to sanctions, embargoes and politically exposed persons. 
• Manage our business. This includes financial reporting, compliance with legal and regulatory requirements, research, and statistical analysis to support and improve our reinsurance services and those of our affiliates. This ensures that our processes, procedures and systems are as efficient as possible in order to enhance the service we provide.

Wherever possible and proportionate, we anonymise or pseudonymise information to carry out these purposes. Pseudonymisation is a recognised data minimisation technique that enables our employees and agents to use information about individuals without being able to personally identity the individuals concerned.

We do not use personal information in any automated decision-making process.

HOW DO WE SECURE IT?

We have in place physical, electronic, and procedural safeguards to protect personal information that we hold against unauthorised disclosure or unlawful use. Safeguards include: only holding personal information on secure servers, the use of encryption, firewalls and access controls and the separation of duties within our organisation. When using personal information, we seek to use only anonymised or pseudonymised information where knowledge of the individual’s identity is not necessary.

HOW LONG DO WE RETAIN IT?

We retain personal information for as long as is necessary to carry out the purpose for which we collected it and any other permissible purposes. We have a retention policy in place which governs retention and destruction of information and is designed to ensure that personal information is kept only for so long as we may be required to keep it in order to manage our business and for a reasonable period thereafter. We will keep personal information relating to individuals for a reasonable period beyond the date when we no longer reinsure the risk or are potentially liable to pay claims, whichever is later.

When we delete personal information in connection with a policy, it may persist on backup or archive media for legal, tax or business continuity purposes.   

WHO DO WE SHARE IT WITH?

We will only share your information where it is lawful and necessary to enable us to provide reinsurance services.

We may disclose personal information to:

• Third-party service providers. We share information with third parties to allow us to provide the reinsurance services, for example, our company medical officers who provide expert medical opinion to help us to assess claims. These third parties are authorised to use personal information only as necessary to provide these services.
• Other companies within the Pacific Life Group. We may disclose personal information to our affiliated companies to enable us to provide reinsurance services and for IT services such as the hosting of applications and systems that are used to use reinsurance information.
• Comply with legal obligations or proceedings. We may need to disclose personal information when we respond to court orders, engage in the legal process, establish or exercise our legal rights, or defend against legal claims, or to meet our legal and regulatory obligations.
• Retrocessionaires. In some cases, we share personal information with retrocessionaires who provide us with retrocession services. These companies will use personal information in accordance with the terms of their own privacy policies.

INTERNATIONAL TRANSFERS

We may transfer personal information to third parties and/or affiliates located in countries that are outside Canada for the purposes described in this Privacy Notice.

We ensure that any transfer we make outside Canada is protected by one of the transfer mechanisms required by UK and European Data Protection law. These include:

• The inclusion of standard data protection clauses in our agreements with third parties, which are pre-approved by the European Commission and/or the Information Commissioner’s Office.
• The country to which the information is being transferred having been deemed to have adequate data privacy laws by the UK Government and/or the European Commission.   

WHAT ARE MY RIGHTS?

Right of access: You have the right to know if we are using your personal information and to receive a copy of that personal information. We will always try to provide your information in the format you request, and we will not normally make any charge. 

Right of rectification: If any of the information we hold abut you is inaccurate or out of date, you can ask us to correct or update it.  

Right to withdraw consent: You have the right to withdraw consent at any time upon providing us with reasonable notice. If you do withdraw consent, it may prevent us from continuing to provide reinsurance cover in respect of your policy.

Right of limited use: You have the right to know that the personal information shall not be disclosed or used for purposes other than those for which it was collected, except as required by law.

Right to complain: If you have complaints about how we process your information, we encourage you to contact us using the information in the “WHO CAN I CONTACT” section below.

You can make a complaint to the Office of the Privacy Commissioner of Canada should you be dissatisfied with our handling of your information, or if you believe we have breached our information protection obligations.  

WHO CAN I CONTACT?

Pacific Life Re International Limited, Canada Branch

Pacific Services Canada Limited

Email: dpo@pacificlifere.com

Office of the Privacy Commissioner of Canada

30 Victoria Street

Gatineau

Quebec

K1A 1H3

Canada

Contact the OPC

OPC Report a Concern

CHANGES TO THIS PRIVACY NOTICE

We will keep this Privacy Notice under regular review and reserve the right to change it from time to time. It was last updated on 3 December 2025.