Privacy Policy

Quikcard Solutions Inc. (“Quikcard”) provides this web site (the “Site”) for your information and education. Your access to and continued use of the Site constitutes your acceptance of and compliance with the following provisions. If you have not already done so, please take some time to familiarize yourself with these provisions. If you do not agree to these terms and conditions, you should immediately discontinue any use of the Site.

You may display, download or print the information displayed on the Site (the “Information”) for your own internal purposes provided that you retain all copyright and other proprietary notices contained on such Information. You may not, however, use, reuse, repost, distribute, modify, or transmit any Information for commercial purposes by you or others or for public use, including any text, images, audio, and video without the written permission of its owner.

The Information is believed to be reliable when posted. However, Quikcard does not guarantee the quality, accuracy, completeness or timeliness of the Information provided. The Information may contain technical inaccuracies or typographical errors and the Information may be changed or updated without notice.

Quikcard makes no representations whatsoever about any other website that may be accessed through, or as a result of, the Information. Such other websites are independent of Quikcard. As such, Quikcard has no control over their content. In addition, a link to another website does not mean that Quikcard endorses or accepts any responsibility for the content, or the use, of such website.

It is up to you to take precautions to ensure that whatever information, including the Information you may access or download is free of viruses, worms, trojan horses and other items of a destructive nature.

All calculations and quotes are given as estimates and are not regarded as finalized until approved by a Quikcard representative. 

Quikcard Solutions Inc. (“Quikcard” “we” “us” and “our”) designs and administers dental, medical, prescription drug, and vision care plans (“health care spending accounts” or “plans”) that are an alternative to traditional group health insurance. We provide these services to employers across the country from our head office in Edmonton, Alberta. Quikcard also provides administrative services in support of private health insurance and benefit providers. As such, the collection, use and disclosure of personal information are critical parts of Quikcard’s business.

In the course of its business, Quikcard collects, uses, retains and in some instances when required, discloses personal information about individuals. Typically, the individuals about whom we collect information are either: (i) plan participants; (ii) one or more members of a plan participant’s family; (iii) health care practitioners who provide services that are covered by the plans we administer; and (iv) principals in a business who have retained us to administer a plan established for the benefit of the business’ employees.

This Privacy Policy describes why we collect, use, disclose and maintain personal information about these individuals. This Privacy Policy may be amended from time to time. An up-to-date version of this Privacy Policy may be obtained on our website or by contacting us as indicated in the section below – Contacting the Quikcard Privacy Officer.

Why We Collect and Use Personal Information

We collect, use and disclose personal information primarily for benefit administration purposes and also for optional marketing purposes. Collectively we refer to the benefit administration purposes and the optional marketing purposes as the “purposes”.

We do not sell or transfer your personal information to other organizations.

Benefit Administration Purposes

Benefit administration purposes include:

• processing enrolment in a plan;
• processing a claim for reimbursement under a plan;
• integrating benefits with another benefit plan administered or provided by another organization; and
• investigating, preventing and deterring abuse and fraud.

Benefit administration purposes may also include:

• assessing the reputation and credit-worthiness of an organization (including its principals) seeking to do business with us; and
• debt collection and enforcement.

Subject to legal and contractual restrictions an individual may decline to consent, or revoke his or her consent, to the collection, use and disclosure of personal information for these benefit administration purposes but in that case we may decline to process claims for plan benefits.

Optional Marketing Purposes

From time to time, subject to any legal and contractual restrictions, we may also collect, use and disclose basic information about an individual, such as their contact information, to offer or inform individuals of upgraded or additional products and services (the “marketing purposes”).

These marketing purposes are entirely optional and any individual who does not wish us to collect, use or disclose their personal information for these optional marketing purposes may contact us as indicated in the section below – Contacting the Quikcard Privacy Officer. An individual’s preference in this regard does not affect our administration of covered benefits and claims.

How We Obtain Consent

At Quikcard we obtain consent from individuals for the collection, use and disclosure of their personal information, unless inappropriate.

We may rely on express consent or implied consent, depending on the circumstances. Express consent may be given verbally, in writing or by electronic means. Implied consent is consent that is inferred from a person’s actions. For example, when an individual uses a Quikcard benefit card for automatic submission of a reimbursement claim, that individual is presumed to consent to the personal information practices described in this Privacy Policy, unless the individual informs us otherwise.

We try to obtain consent to the collection, use and disclosure of personal information directly from the individual to whom information relates. However, when a claim for reimbursement under a plan is made by a participant in connection with services provided to a family member we may have to rely on the plan participant to provide consent on behalf of such family member. When a participant gives consent, whether express or implied, on behalf of a family member, the participant is presumed to act on behalf of, and is representing that he or she has the authority to act on behalf of, the family member.

We collect, use and disclose personal information in accordance with the consent provided, in accordance with this Privacy Policy, our contractual rights and obligations, those that apply to any plan we administer, and the law.

Collection, Use, Disclosure of Personal Information

We collect information from and about participants and family members for benefit administration and marketing purposes. For benefit administration purposes we also collect information from other sources, such as health care professionals, facilities and providers, other private and government benefit plan administrators and insurers and employers and we also disclose information to these other sources for benefit administration purposes.

We also provide aggregated and anonymized data about claims and plan performance to employers and organizations and their benefits advisors (including, if applicable, our affiliated benefits advisor) who retain us to provide administrative services. However, we do not provide employee specific information, like a diagnosis or claim details, to employers and organizations or their benefits advisors.

The plans we administer often extend to both a participant and one or more family members. Accordingly, it is a reality of our business that participants and family members may have access to some information about each other when they submit or seek information about a claim or request access to information we hold about them. The consent of participants and family members to this sharing of personal information, to the extent necessary for benefit administration purposes, or to respond to a request for access, is implied as a consequence of enrolment or submission of a claim.

We also share information to combat and deter fraud and abuse, when permitted or required by law; or at the request of governmental authorities.

Safeguarding Personal Information

We restrict access to personal information to those of our employees, authorized administrators, and consultants who need to know that information for legitimate business purposes. We protect personal information by applying physical security measures and barriers to our premises, by adopting policies and procedures to protect information, and technologically, where appropriate, by the use of security measures, including passwords, encryption, firewalls and other software security solutions.

In many cases our benefits administration platform is software supported and Internet-based. The Internet is not an entirely secure medium where absolute security can be guaranteed. Individuals acknowledge the reality of this risk and agree to accept it when they enroll in a plan or submit a claim.

The Personal Information We Retain

We only keep personal information for so long as it is required to fulfill the purposes described in this Privacy Policy or as required or permitted by law. We attempt to collect and use information that is accurate, up-to-date, and as complete as possible. However, we rely on individuals to disclose all material information to us and to inform us of any changes.

You may request deletion of your personal information at any time by contacting our Chief Privacy Officer. Following such request, we delete the information that we are not required to retain in order to perform our obligations to you. If we cannot comply with your request, we will let you know why. We may also retain certain information if necessary for our legitimate business interests, including for fraud prevention.

Access to Information

With satisfactory identification and proof of entitlement, an individual may request to access and, if applicable, request that we correct, personal information about them in our possession. You may also request that we sent to you, or to another organization that you choose, a copy of your personal information in a commonly used machine readable format.

An individual must make this request in writing. Requests should be directed to our Chief Privacy Officer as indicated in the section below – Contacting the Quikcard Privacy Officer.

Individuals should be aware that the right to access the personal information we hold about them is not absolute. For example, there is no right to access and we may decline a request for access, if the information requested is subject to a legal privilege. We may also decline a request for access if the information contains personal information of other individuals, and such information cannot be redacted.

We do not provide personal health information directly to individuals unless the individual provided it directly to us. Instead we provide access to personal health information through the individual’s health care professional.

We may charge a reasonable fee in advance for copying and sending information requested and to which there is a right of access.

How We Use Cookies

We may collect information about your computer or other device from which you access our Website, including your IP address. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual. We may, however, use such information in conjunction with the data we have about you in order to track your usage of our services.

Our Website uses cookies to distinguish you from other users of our Website. This helps us to provide you with a good Website experience and also allows us to improve the Website. By using our Website you agree to our use of cookies as more specifically set out below.

A cookie is a small file that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.

The cookies we use include:

“Analytical” cookies. They allow us to recognize and count the number of visitors and to see how visitors move around the Website. This helps us to improve the way our Website works.

“Strictly necessary” cookies. These are cookies that are required for the operation of our Website. They include, for example, cookies that enable you to log into secure areas of our Website.

“Functionality” cookies. These are used to recognize you when you return to our Website. This allows us to personalize our content for you and remember your preferences (for example, your choice of language).

“Targeting” cookies. These cookies record your visit to our Website, the pages you have visited and the links you have followed. We will use this information to make our Website more relevant to your interests.

Most internet browsers are automatically set up to accept cookies. However, you may block cookies by activating the setting on your browser that allows you to refuse the setting of some or all cookies. If you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our Website.

We also use the “Facebook pixel” from Facebook, which allows us to track the behaviour of users who have been directed to our website by clicking on a Facebook ad. This enables us to measure the effectiveness of Facebook ads for statistical and market research purposes. The data collected in this way is anonymous to us.

We use Google Analytics to collect information about how you use the public sections of the website in order to improve the website experience. Google Analytics does not collect or store information that will identify you. Your IP address is anonymized prior to being stored on Google’s servers in order to help safeguard your privacy. You may block the use of Google Analytics by installing the opt-out tool found here – https://tools.google.com/dlpage/gaoptout.

Contacting the Quikcard Privacy Officer.

If an individual:

• Has questions about our privacy practices or this Privacy Policy;
• Wishes to request access to or a correction of personal information;
• Wants to decline or revoke consent to the collection, use or disclose of personal for the purposes described in the Privacy Policy; or
• Wishes to make a complaint about our privacy practices

Write to:

The Chief Privacy Officer
Quikcard Solutions Inc.
200 Quikcard Centre
17010 103 Avenue
Edmonton, AB T5S 1K7

Or e-mail us at: privacy@quikcard.com

Or Call Toll Free: 1 (800) 232-1997