At Jolicoeur Savard Assurance inc., we understand the importance of protecting personal information of users and viewers. Our policy meets the requirements of the Personal Information Protection and Electronic Documents Act («PIPEDA») and abides by the following Ten Privacy Principles.
Jolicoeur Savard Assurance inc.
8694 Saint-Denis Street
Montreal (Quebec) H2P 2H3
Identifying Purposes of Collection
When you use this website www.jsassurance.ca (the "Site") or any of the services available on this Site like the “I subscribe” or “Get a claim” buttons (the "Services"), you will be required to provide certain personal information in order to complete your subscription or request. This may include traditional and Internet contact information (such as address, phone, email address), information about the computer system (such as web browser type, IP address and operating system) and navigation information (such as the number of web pages visited).
Compiling the above information is required to identify you or helps Jolicoeur Savard Assurance inc. to better understand site usage patterns and which types of content are of greatest interest to the users or viewers of the Site. In addition, it allows Jolicoeur Savard Assurance inc. to contact the viewers for the Services requested via submission forms.
Further reference to "purposes" means the purposes identified hereinafter in this section.
Using the Site is always voluntary. When you use the Site, the fact of you doing so provides Jolicoeur Savard Assurance inc. with your implied consent to collect, use or disclose your information to fulfill your request to use the Services. In addition, all emails sent to you by Jolicoeur Savard Assurance inc. contain simple instructions telling you how to "unsubscribe".
Jolicoeur Savard Assurance inc. will limit the collection of personal information to that which is necessary to fulfill the purposes for which it was collected and will collect personal information by fair and lawful means.
Jolicoeur Savard Assurance inc. is responsible for personal information in its possession or control and will use contractual or other means to provide a comparable level of protection whenever a third party agent is used to complete some or all the stages of processing necessary to provide you the Services. Third party agents may contact users or viewers directly on Jolicoeur Savard Assurance inc.’s behalf to conduct research or surveys. Research and survey data is reported back to Jolicoeur Savard Assurance inc. as aggregated data with no reference to individual users or viewers. These third parties may not use any personally identifiable information for their own marketing purposes.
Users and viewers who do not wish to be contacted for research or survey purposes should advise Jolicoeur Savard Assurance inc. in writing.
Limiting Use, Disclosure and Retention
Jolicoeur Savard Assurance inc. will not use or disclose personal information for purposes other than those for which it was collected, other purposes that you consent to or as required or permitted by applicable law.
Without limiting the generality of the foregoing, Jolicoeur Savard Assurance inc. may disclose personal information to a third party engaged by Jolicoeur Savard Assurance inc. to perform the Services on its behalf, in part or in whole; a public authority or its agent if, in the reasonable judgment of Jolicoeur Savard Assurance inc. , it appears that there is imminent danger to life or property which could be avoided or minimized by disclosure of the information; a third party, where you consent to such disclosure or when disclosure is required or permitted by applicable law.
Jolicoeur Savard Assurance inc.’s employees with a business need-to-know, or whose duties reasonably so require, are granted access to personal information.
Personal information will be retained for as long as necessary for the fulfillment of those purposes or as required or otherwise permitted by applicable law.
Jolicoeur Savard Assurance inc. will maintain reasonable and systematic controls and practices for information and records retention and destruction which apply to personal information that is no longer necessary or relevant for the purposes or required by applicable law to be retained.
Personal information that is collected, used or disclosed will be as accurate, complete and up to date as is necessary for the purposes for which it is to be used. You supply the information and if it should change, you shall make the necessary changes either by following the hyperlinks for modifications in our newsletter or simply by writing us an email.
Personal information will be protected by security safeguards appropriate to the sensitivity of the information in order to avoid misuse or release of personal information.
Jolicoeur Savard Assurance inc. doesn’t sell any product or service on its website since no financial transaction can be done online, therefore Jolicoeur Savard Assurance inc. have no obligation to use a secure protocol to allow personal information such as credit card number to be encrypted or unencrypted.
Subject to certain exceptions provided in the PIPEDA, upon written request to the privacy officer, Jolicoeur Savard Assurance inc. will inform you of the existence, use and disclosure of your personal information and give you access to your personal information held by Jolicoeur Savard Assurance inc. You may verify the accuracy and completeness of your information and have it amended as appropriate.
In certain situations, Jolicoeur Savard Assurance inc. may not be able to provide access to all the personal information that it holds, as for example this would likely reveal personal information about a third party or could reasonably be expected to threaten the life or security of another individual.
In order to safeguard personal information, you may be required to provide sufficient identification information to permit Jolicoeur Savard Assurance inc. to authorize access to your personal information for the existence, use and disclosure of your personal information. Any such information will be used only for this purpose.
Upon written request, Jolicoeur Savard Assurance inc. will correct or complete any personal information found to be inaccurate or incomplete. Where appropriate, Jolicoeur Savard Assurance inc. will transmit to third parties having access to such personal information any amended information or the existence of any unresolved differences.
You may obtain information or seek access to your files by contacting the privacy officer.
Jolicoeur Savard Assurance inc. may seek external advice where appropriate before providing any final response to you.
If a complaint is found to be justified, Jolicoeur Savard Assurance inc. will take appropriate measures to resolve the complaint.
A cookie is a small non-executable file that is stored on your hard drive for the purpose of identifying your computer. While it is possible to use the Site by having your browser's Internet security set such that it will not accept cookies your online experience may be greatly reduced.
Jolicoeur Savard Assurance inc. uses both session cookies and permanent cookies at the Site. Session cookies are active only during the period you are logged on to the website and are removed when you leave. They help us track the sections of the website that you use to allow us to make improvements in keeping with observed user preferences. Permanent cookies remain on your hard drive until you remove them through your browser's Internet security settings. Permanent cookies are used to store user preferences such as preferred language and thus eliminate you having to make the same entries on each visit. Our cookies are not tied to personally identifiable information.
We use local shared objects ("Flash cookies") to store your preferences or display content based upon what you view on the Site. Third Parties, with whom we partner to provide certain features on the Site or to display advertising based upon your Web browsing activity, may also use Flash cookies to collect and store information.
Cookie management tools provided by your browser will not remove Flash cookies.
(Last updated: September 19th,2019)