Privacy Policy
PIPA-compliant · Alberta, Canada · Last updated: May 2026
ClearRate Calgary is committed to protecting the privacy of our community members. We have designed our platform from the ground up to operate without requiring sensitive personal information. We comply with the Alberta Personal Information Protection Act (PIPA).
What We DO Collect
Basic profile details (age bracket, years licensed, FSA), vehicle details, insurance provider, coverage types, and driving history ranges.
What We DO NOT Collect
Full name, date of birth, driver's licence number, SIN, VIN, insurance policy number, full address, gender, or credit score.
How We Use Your Data
Strictly for aggregate comparison and generating community insights. We do not sell your data to third parties or advertisers.
Data Retention
Rate submissions expire automatically after 12 months. Profile data is retained until you permanently delete your account.
1. Commitment to Privacy
ClearRate Calgary is committed to protecting the privacy of our community members. We have designed our platform from the ground up to operate without requiring sensitive personal information. We comply with the Alberta Personal Information Protection Act (PIPA).
2. What We DO NOT Collect
We specifically and intentionally DO NOT collect or store any of the following:
- Your full name
- Your date of birth
- Your driver's licence number
- Your Social Insurance Number (SIN)
- Your Vehicle Identification Number (VIN)
- Your insurance policy number
- Your full address
- Your gender
- Your credit score
3. What We DO Collect
To provide accurate comparative data to the community, we collect the following limited information:
Profile Information:
- Email address (used only for authentication and optional updates)
- Anonymous username
- Age bracket (e.g., 25-34)
- Years licensed
- First three characters of your postal code (FSA)
- Driver type (primary, occasional, new)
- Marital status
Submission Information:
- Vehicle details (year, make, model, trim)
- Odometer range and annual kilometres driven
- Insurance provider and annual premium
- Coverage type and deductibles
- Parking situation
- Number of at-fault accidents and violations (ranges only)
- Whether a telematics/UBI discount is applied
4. How We Use Your Data
Your data is used strictly for aggregate comparison and display on the ClearRate platform. We use this data to generate community insights, calculate averages, and power features like the "Am I Overpaying?" tool.
We do not sell your data to third parties, insurance brokers, or advertisers.
5. Data Retention and Deletion
Individual rate submissions automatically expire and are removed from active display after 12 months. Your profile data is retained until you choose to delete your account. You have the right to access, correct, or permanently delete all your data at any time via your Profile page.
6. Contact Us
For any privacy inquiries or to exercise your rights under PIPA, please contact us at:privacy@clearrate.dev.