Makes insurance decisions, in Nova Scotia

R.S.N.S. 1989, c. 93 · Read the law's page

• As a consumer reporting agency (a person who for gain or profit furnishes consumer reports), hold a valid permit under the Act (s. 4).
• Furnish information from your files only in a consumer report given in response to a court order, on the consumer's written instructions, or to a person you have reason to believe intends to use it in connection with credit or the collection of a debt, a tenancy, employment, the underwriting of insurance, eligibility under a statute, or another direct business need in a transaction with the consumer (s. 9(1)).
• Adopt all procedures reasonable for the greatest possible accuracy and fairness in your consumer reports, and do not report information that is not extracted from files stored or collected in a repository located in Canada (ss. 10(1), 10(2)(b)).
• Do not include in a consumer report the kinds of old or unverified information section 10(3) lists, such as a debt more than six years after the last payment, or information you have not made reasonable efforts to verify.
• As a person who procures a consumer report, obtain the consumer's express written consent, or notify the consumer in writing that a report has been or will be requested and give the agency's name and address within ten days after requesting it (s. 11(1)).
• If you deny a benefit to a consumer, or increase its cost, on the strength of a consumer report, tell the consumer in writing immediately of the denial, of the right to have the agency's file disclosed, and of the agency's name and address (s. 11(3)).
• On a consumer's written request, disclose without charge the nature and substance of the information in your file, its sources, and the recipients of any report in the preceding twelve months, and deal with a statement of protest as section 13 requires (ss. 12, 13).