Compliance Guide
Please read this page carefully. The following sections outline requirements of using our Prefill API. As an additional risk control, our team must review your implementation before going live.
Customer Support
Partners must direct any insurance-related questions to a Co‑operators licensed insurance representative. If a user (customer or prospect) directs an insurance related question to your support channels, it’s important you don’t attempt to answer it. The sale, solicitation, and servicing of insurance products must only be conducted by appropriately licensed individuals. Therefore, your support must not respond to insurance related questions and must immediately refer clients to Co‑operators licensed representatives. Please ensure this is communicated to your team and monitored closely.
Disclaimers & Consent
This section is not provided as Legal advice and is provided for informational and procedural purposes. Please consult with your own legal advisors regarding your compliance with applicable laws related to privacy and your handling of personal information.
Partners must capture meaningful express consent via clear, customer-friendly language before sharing customer personal information with Co‑operators. Customers should understand which legal entity is seeking the consent (legal name of the partner, or the context of where the consent is placed is such that this is otherwise clear), what type of personal information is being shared, why it is being shared, and that Co‑operators, the insurer, will use it to initiate and pre-populate their insurance Rate-Quote-Bind (RQB) journey, and their right to withdraw consent at any time. The consent script should also include a notice to visit Co-operator’s website to review CGIC’s privacy policy.
Partners must only submit the customer’s personal information required to support the quote experience and must transmit it through the prefill API only. Prefilled information is provided for convenience only and does not guarantee eligibility, pricing, coverage, or policy issuance. Customers may continue through the standard quote journey if prefill is not used or available.
All consent language and disclosure placement must be reviewed by Co‑operators before launch. Your Partner Account Manager will facilitate the review process with Co‑operators legal and compliance teams – you will work with your PAM directly throughout this process. Any changes to consent language after launch require review prior to deployment.