[5] In 2013, alongside Desjardins General Insurance, The Personal launched Ajusto, which was one of the first[6] "widely available UBI offerings to be approved by the Financial Services Commission of Ontario (FSCO)".

The sector of group insurance in Canada became more and more popular in the 1980s and 1990s, creating more competition that led to better coverage: with more choices, the prices got more stable and the service improved.

[13] Privacy Commissioner Dr. Ann Cavoukian tried to put a hold on these fears,[14] since the program is on a voluntary basis and the contract clearly stipulates the terms,[15] which means the users stay in control of their information.

[16] However, not all concerns were waived : John Lawford, executive director and general counsel with the Public Interest Advocacy Centre (PIAC) in Ottawa, raised a point that even if these information are strictly for the user, they still could be disclosed to third parties in some situations like civil cases, where it could be dig out by law enforcement.

The Personal defended themselves by saying that they accessed such information only to rule out fraudulent claims,[17] but advocate Rhona DesRoches suggested that "companies want instead to gauge the claimant’s financial status to help determine how little they can get away with paying out".