Industry — Insurance

Your clients' claims files deserve more than a US server.

OSFI oversight, PIPEDA-regulated policyholder data, and multi-year retention obligations — SecureVault provides the compliant Canadian infrastructure your brokerage or insurer requires.

The Requirement

Storing policyholder data on US cloud platforms may expose you to regulatory risk.

Canadian insurers, MGAs, and brokers handle some of the most sensitive personal data in any industry — health disclosures, financial records, SINs, and claims histories. OSFI guidelines and PIPEDA require this data to remain under Canadian legal jurisdiction. US-hosted platforms governed by the CLOUD Act cannot provide that guarantee. SecureVault operates exclusively under Canadian law, on Canadian servers.

OSFI PIPEDA FSRA AMF RIBO CLHIA

⚠ CLOUD Act Risk

US cloud providers — including those with Canadian data centres — remain subject to the US CLOUD Act. Federal agencies can compel access to your policyholders' sensitive files without your knowledge or consent. For OSFI-regulated entities and provincially licensed brokers, this creates direct regulatory and reputational exposure. SecureVault is a Canadian company operating exclusively under Canadian law.

SecureVault provides

✓100% Canadian server infrastructure
✓AES-256 encryption at rest and in transit
✓Immutable audit trail for all claims file access
✓Signed Data Processing Agreements
✓No US CLOUD Act exposure — ever

Compliance Requirements

What your regulators expect.

OSFI Guideline B-10

Third-party risk management requirements for federally regulated insurers. SecureVault's Canadian-only infrastructure and signed DPAs satisfy B-10 outsourcing obligations.

Claims File Retention

Provincial insurance legislation requires claims files to be retained for 6–10 years. Automated retention scheduling with tamper-evident storage and disposition certificates.

PIPEDA Policyholder Data

Health disclosures, SINs, and financial records collected during underwriting are among the most sensitive data PIPEDA covers. Encrypted vaults and access controls protect every file.

Provincial Broker Licensing

FSRA (Ontario), AMF (Quebec), and RIBO requirements mandate secure handling of client records. SecureVault's audit trail provides proof of compliant document management.

Secure Client Document Exchange

Share policy documents, renewal packages, and claims correspondence through encrypted, branded client portals — no email attachments, no consumer cloud risk.

Data Breach Notification

PIPEDA mandatory breach reporting requires organizations to document and notify affected individuals. SecureVault's immutable logs give you a complete, court-admissible record.