Privacy Policy and Use of Cookies

You have subscribed to an insurance policy with us as the insured, co-insured, beneficiary, dependent or payer.

• You have contacted us for information or inquiries.
• You have visited our website and navigated its pages.
• You have participated in a contest or survey organized by us.
• You have applied for a job within our company.
• You have submitted a request for a quote or proposal but have not entered into a transaction with us.
• You are a former customer who has previously had a business relationship with us.
• You are acting as a trustee, agent, or executor for a person engaging in transactions with us.

When you interact directly with us, whether by filling out forms, contacting our customer service, or using our services.

If you are identified as a beneficiary or dependent under an insurance policy, we may obtain your personal information from the primary insured person. Before providing us with your information, these individuals must obtain your consent for the collection, use, and disclosure of your personal information.

When you communicate with our customer service or agents over the phone, we may collect information necessary to respond to your requests or process transactions.

If you visit our offices or meet our representatives in person, we may collect data to facilitate our services and interactions.

When you fill out forms on our website or use our digital interfaces to submit information, we collect this data to process your requests.

For example, to conduct a criminal record check.

• First and Last Name;
• Date of Birth;
• Address;
• Postal Code;
• Apartment Number;
• Email Address;
• Phone Number;
• Gender;
• Marital Status.

• Driving Record;
• Insurance quotes and proposals;
• Information about insured individuals and properties, prices, coverages, terms, and other guarantees;
• Information collected during claims and benefits requests;
• Claims history.

• Balances and debts;
• Financial statements;
• Payment information.

• IP Address;
• Location Data;
• Information about your device, operating system, or browser;
• Preferences and browsing habits.

• Reasons for doing business with us;
• Telephone recordings and communications to improve your customer experience;
• Written communications (e.g., your letters or emails);
• Notes, reports, and records of your communications with us;
• Information about your inquiries, dissatisfactions, or complaints;
• Language communication preferences;
• Survey, contest, and consultation responses.

• Information found in public records (e.g., municipal registers, land registers, court registers);
• Video recordings from security cameras in our service points and logs of electronic access card activations;
• Information about our verifications related to misrepresentations, fraud, cyber threats, and other violations of laws;
• Criminal records.

• Information about other people besides you (e.g., proxy, guardian, temporary representative, assistant, beneficiary, spouse, dependent, or other insured person);
• Information about your professional situation (e.g., your education, occupation, association, or professional order).

• Establishing a relationship with you as a customer;
• Identifying you to manage your contracts and interactions with us;
• Understanding your situation, profile, needs, and goals to offer you tailored products and services;
• Evaluating your requests to determine if we can provide you with our products and services;
• Managing and administering your products and services, including processing claims and payments.

• Obtaining your feedback on your interactions with us and our products to enhance our offerings;
• Conducting studies and research, including the use of statistical models to propose personalized offers and advice.

• Protecting your safety and ours by detecting and preventing fraud, cyber threats, and other violations of the law.
• Responding to requests and orders from courts and government and regulatory agencies.
• Complying with our tax and data retention obligations.

• Communicating personalized offers about our products and services based on your communication preferences (e.g., mail, email, text message, phone, applications, or websites);
• Providing tailored advice based on your situation to help you reduce risks and the impact of a claim.

We seek your consent before collecting, using, or disclosing your personal information. In some cases, the law allows us to presume that we have your consent, or it exempts us from obtaining it (see section 5.4).

We may request your consent in various ways:

• In writing, by presenting you with a consent form;
• Verbally, by obtaining your verbal agreement;
• Over the phone, including through an automated message if appropriate;
• Electronically or digitally, through consent clicks or checkboxes on our online platforms.

Your consent is valid for the duration necessary to achieve the specific purposes for which we requested it. Once these purposes are achieved, your consent remains valid to allow us to fulfill our legal retention obligations in accordance with laws and our retention schedules. It is important to note that your consent applies only to the purposes we have clearly disclosed to you. If we wish to use or disclose your personal information for other purposes, we will seek your consent again, except in the cases described in the following section.

In certain specific situations where the law permits, we may use your personal information without obtaining your consent. 

This may include:

• Cases where the use is to your benefit or is compatible with the original purpose of collection;
• Cases where the use or disclosure of the information is necessary to fulfill our legal obligations, such as complying with a court or government agency order, preventing or detecting fraud, or as part of an investigation.

We may share your personal information with our affiliated companies as well as with other individuals or organizations if it is necessary to achieve the purposes listed in this section.

Here are some examples of potential recipients:

• Other financial institutions, such as insurers and reinsurers.
• Service providers related to a claim, such as healthcare facilities, healthcare professionals, or auto repair shops.
• Government agencies or regulatory authorities. Companies providing technology, document reproduction, or shipping services.
• Agencies holding information about insurance, fraud, or compensation, such as credit rating agencies, the Groupement des assureurs automobiles, the Société d’assurance automobile du Québec, the Fichier central des sinistres automobiles, or other municipal or land registries.

We restrict access to your personal information only to individuals who need it to perform their specific duties. These individuals are granted access only to the information necessary to achieve the purposes listed in this section. This applies to all members of our team, as well as to our external suppliers and partners.

Employees of the firm have signed a confidentiality and non-disclosure agreement regarding personal and sensitive information, including information about the firm’s clients. They are bound by this agreement to use the information they have access to only for the firm’s professional activities, in accordance with legislative, regulatory, and ethical requirements, and only for the purposes for which it was collected. Employees are also required to protect the integrity and confidentiality of the information they have access to and are not allowed to disclose this information unless expressly authorized by their manager or compelled by the application of a law.

We have implemented several types of measures to protect your personal information from loss, theft, and unauthorized access, use, or disclosure.

Organizational Measures:

• Limiting access to personal information to only those individuals who need such information;
• Recording all operations involving copying and exporting personal information in the course of our routine activities for enhanced traceability.

Physical Measures:

• Using access cards to control entry to our offices;
• Registering visitors and verifying their identities to ensure the security of our premises;
• Backing up and archiving personal information in an emergency backup system to prevent data loss.

Technological Measures:

• Implementing passwords, firewalls, and other security measures to protect the integrity of your data.

We retain your personal information for as long as necessary to achieve the purposes listed in this section. Even if you are no longer our customer, we must keep your personal information in our client records in accordance with legislative and regulatory requirements, including for the purpose of ensuring its security, for the period required by law and regulation. However, we have established clear retention schedules to define these limits. Once the retention period has elapsed, we proceed to the permanent destruction of your personal information. This ensures that your data is protected even after its initial use.

In cases where personal information needs to be destroyed, the firm uses shredders on its premises or engages an external firm specialized in shredding.

The firm uses the Outlook messaging service to communicate with its clientele (actual and potential). It cannot guarantee the full security of this means of communication. In this context, when the consumer wishes to use this means of communication, they consent to the associated risks. The option of communication via regular mail is available.

You have the option to modify your consent regarding the collection, use, disclosure, and retention of your personal information, subject to certain limitations.

Consent to do business with us:
Withdrawing this consent may prevent us from offering our products and services to you in the future. However, we may be required to retain some of your personal information to fulfill our contractual and legal obligations.

Consent to receive personalized offers and advice:
You can withdraw this consent at any time by calling us at 1-888-625-6846.

You have rights regarding your personal information, including the right to access this information, correct or update it, and receive a copy in a structured and commonly used technological format, such as a PDF file. If some personal information is publicly disclosed, you can request that it be removed from public disclosure, for example, removing a contest-related publication on our social media.

Here are the steps to process a request:

• You must send a detailed written request to the Privacy Officer, whose contact information is provided in section 9.
• We will process your request within 30 days of its receipt and inform you if there are any fees associated with transcribing, reproducing, or transmitting your information.
• You will receive our response in writing.
• You also have the right to request that a hyperlink associated with your name be made accessible or inaccessible in a search engine, under certain conditions.

We will inform you if we make an automated decision about you. In some cases, we use your personal information to make a decision without human intervention. For example, some group insurance claims and individual insurance proposals are processed in this manner. You have the right to request the main reasons for an automated decision or to provide your observations to a member of our team.

In the event of a dispute or complaint regarding the protection of personal information, the consumer or client is invited to consult the firm’s dispute and complaint handling policy.

The policy is available on the firm’s website at the bottom of the page ‘Dispute Handling Policy and Complaint Resolution’ or upon request:

By email: info@malouinassurance.ca
By phone: 1-888-625-6846

Cookies are small files stored on your computer or mobile device when you visit web pages, such as those on our website. They serve various functions and play different roles.

These files provide valuable information about the browser you are using and the pages you have visited. You have the option to refuse or control these cookies (see the “How to Manage Cookies” section below).

The functional cookies we use are essential for navigating our website and cannot be disabled. Their main function is to ensure our compliance with specific standards and regulations, preserve your settings during your navigation, and present the site content in the correct format and language.

They allow:

• Retaining your choice regarding given consent.
• Optimizing your experience as a user.

These cookies provide us with information about the usage of our website, such as the total number of visitors, unique visitors, and pages viewed. They also facilitate the statistical analysis of our site’s performance by recording navigation and identification data, as well as the actions taken by visitors. Additionally, they contribute to the ongoing improvement of content and technology by tracking interactions in different sections of the site and detecting potential technical issues.

They enable:

• Improving the relevance and usability of our services to better meet your needs.
• Determining the number of times you have visited our website.
• Collecting and analyzing statistical and behavioral data about your use of our website for optimization purposes.

These cookies can be used by both us and our partners, to create your profile and better understand your interests and preferences. The goal is to present you with relevant and personalized advertisements and offers while assessing their performance.

With your consent, third-party companies place cookies to determine your areas of interest. These cookies enable us to tailor our advertising messages based on your interests, taking into account the most recent sections you have visited on our website.

These cookies allow us to:

• Provide personalized advice or offers based on your point of origin.
• Adapt our promotional spaces to the display characteristics of your device (language used, display resolution, operating system, etc.).
• Tailor the content displayed on your device in our promotional spaces based on your device’s browsing history on our website.
• Adjust the content displayed on your device in our promotional spaces based on your location data.

The period during which cookies will remain on your device depends on their type, whether they are ‘persistent’ or ‘temporary.’ A persistent cookie is stored by a web browser and remains valid until its predefined expiration date, unless you delete it before that date. We keep them for a maximum of 365 days. On the other hand, a temporary cookie expires at the end of your web session, meaning when you close your web browser.

To adjust cookies on our website, you have the option, at any time, to do so via the icon in the form of an orange round pill located at the bottom left of your screen, or through a possible pop-up window. You can choose to ‘Enable’ or ‘Disable’ navigation cookies, whether for ‘analytical’ or ‘advertising’ purposes. It’s important to note that this cookie management is specific to the browser and device you are using. If you use a different device or browser during your next visit, the banner inviting you to manage your navigation cookies will reappear.

You can delete or disable cookies at any time from your browser.