Our firm is committed to protecting your personal information. We have created this Privacy Protection Promise to inform you about how we collect, use, and disclose your information. This Promise will also help you understand our role in protecting your personal information and inform you of your rights. 

The Information We Collect and How We Do It 

The information we collect depends on you. It varies depending on how you interact with us, the products and services you choose and use, your use of our websites and mobile applications, and the payment method you have chosen. 

We collect and process personal information about you with your consent and/or as necessary to provide our services and products, comply with our contractual and legal obligations, protect the security of our customers and systems, or for other legitimate interests. For example, we may collect information contained in a witness statement as needed to assess, process, or settle an insurance claim. 

When you are asked to provide personal information, you have the right to refuse. However, please note that if you choose not to provide the necessary information for certain products or features, they may not be accessible to you or may not function properly.  

i. Information You Provide to Us 

We collect personal information from you as a customer or potential customer when you inquire about our services and use them. 

This may include when you inquire about our insurance policies, request a quote, apply for insurance, make a payment, or file a claim under your own insurance policy. 

When you communicate with us, we may collect information such as your name, contact details, marital status, driver's license number, vehicle or property description, loan or mortgage information, and payment or banking information. 

ii. Information We Obtain from Third Parties 

We collect your personal information from third parties with your consent or when permitted, after confirming that the third party has legally collected the information and has the right to disclose it to us. 

We may collect your personal information from third parties who may provide information about you and your insured vehicle or property or provide services for you and your insured vehicle or property. 

These third parties may include, among others, insurance agents and brokers, government agencies, consumer reporting agencies, and claims adjusters. The information we collect about you from third parties may include your driving record and claims history. 

iii. Calls, Chat Sessions, and Other Communications

We may record calls, chat sessions, and other communications you may have with us to ensure the quality of our customer service, confirm our discussions and your instructions, resolve a complaint, or for staff training purposes. If you do not wish for your communications with us to be recorded, you can do business with us by visiting one of our offices, notifying us by mail, or sending us an email. 

iv. Cookies, Web Beacons, and Other Technologies 

We may collect your information to identify you on our website, gather information about how you use our website, and enable you to access our online services. To do this, we use cookies, web beacons, and other tracking technologies. 

For information about the cookies, web beacons, and other technologies we use and how to disable them, please read our website's terms of use. Please note that if you choose to disable or delete cookies, web beacons, and other information collection technologies, you may not have full access to our features or online services. 

v. Your Consent for Others

We may ask you for information about other individuals covered by your insurance (e.g., designated drivers). When you provide us with information about another person, we expect you to obtain their permission to do so and to consent on their behalf to this Privacy Protection Promise. 

Why We Collect, Use, and Disclose Information 

We collect, use, and disclose personal information about you for various reasons, including: 

• a) To better serve you and communicate with you effectively;  
• b) To verify your identity and ownership;  
• c) To establish, manage, and provide products or services that meet your needs;  
• d) To determine your eligibility or which products or services are best suited to your situation;  
• e) To manage, assess, and underwrite insurance risks;  
• f) To determine rates, fees, and premiums;  
• g) To promote and market the products and services we offer or that are offered by our affiliates, partners, or strategic allies. These partners may include, for example, insurance companies, brokers, agents, claims adjusters, and other intermediaries;  
• h) To conduct market research;  
• i) To recognize and create relevant advertisements for you on third-party websites and applications;  
• j) To verify insurance industry databases, add information to them, and compile statistics;  
• k) To report to regulatory bodies or industry entities in accordance with prudent insurance practices and insurance industry regulatory requirements, including claims history;  
• l) To detect, prevent, and contain fraud and unauthorized or illegal activities;  
• m) To comply with all applicable laws and meet the requirements of tax authorities;  
• n) To disclose your information to external service providers for external processing, such as data or payment processing; o) To conduct research and development activities to design, operate, improve, and administer the products and services we offer; 
• p) To disclose your information to our affiliates for the aforementioned purposes. 

We process personal information about you using an automated system like our online insurance quoting tool Axel. Our insurers may use technologies that process information you provide to offer personalized and tailored insurance services based on your characteristics (i.e., your preferences, interests, and behaviors). We believe that using our automated system will allow us to provide you with fast and personalized assistance. 

When We Disclose Your Information 

Your personal information may be disclosed with your consent and as required or permitted by law. We may disclose your information to third parties, including contractors, service providers, and their agents, as well as fraud prevention organizations, and allow them to access and use your information if their services are necessary for legal or business purposes. When we disclose your personal information to third parties, we require them to protect and process it in accordance with our privacy practices and all applicable laws. 

i) Outside of Canada

We may disclose your information to third parties who will process and store it outside of Canada. In such cases, your personal information will be subject to the laws of that country and may be disclosed in accordance with its laws. However, your personal information will only be disclosed, transferred, processed, or stored outside the country when it is determined that the information will receive an adequate level of legal and technical protection. 

ii) Affiliates 

We may disclose your personal information to our current or future affiliates, including our subsidiaries, joint ventures, or other companies under common control. In these situations, we will require our affiliates to comply with this Privacy Protection Promise.  

iii) Business Operations

If we engage in discussions about a merger, acquisition, or sale of assets with a third party, we may disclose your personal information to evaluate or complete the business transaction. If your personal information becomes subject to new privacy practices following a business transaction, we will notify you. 

iv) Research and Development or Production of Statistics

We may disclose your personal information, including demographic data, for study, research, or statistical purposes. In such cases, these third parties are not authorized to use, disclose, or publish the personal information we provide in a form that identifies you. 

Finally, we may disclose your information (v) to comply with laws, procedures, or legal requests made under the law or (vi) in case of an emergency to protect your safety. 

How to Access and Correct Your Information 

You have the right to request the correction of personal information we hold about you. You also have the right to access your personal information under our control, subject to any legal restrictions or rights of refusal. However, to the extent permitted by law, we reserve the right to charge reasonable fees for photocopying and sending the information contained in your file. Please note that your ability to exercise these rights will depend on several factors, and in certain situations, we may not be able to accommodate your request. If you wish to request access to or correction of your personal information, please contact our Privacy Office. 

How to Withdraw Your Consent

You may withdraw your consent to the collection, use, and disclosure of your personal information at any time, subject to certain restrictions. 

However, if you withdraw it, we may not be able to provide you with our insurance products and services or offer you our best rate for your insurance policy. You can also withdraw your consent to the collection, use, and disclosure of your personal information for marketing purposes. 

If you wish to withdraw your consent, please contact our Privacy Office. 

Retention and Destruction of Your Personal Information 

Our policies establish rules for the retention and destruction of personal information. Generally, we retain information as long as it is reasonable to do so for legal or business purposes. Depending on the type of personal information we collect, its use and purpose, as well as any legal requirements, we may be required to retain your personal information for a specific period. 

Our Responsibilities for Protecting Your Personal Information 

As part of our commitment to protecting your privacy, we have implemented privacy policies that describe the obligations of our employees when handling your personal information. All employees must obtain the necessary consents from you when collecting, using, and/or disclosing your personal information in accordance with the law. Additionally, they may only access your information if needed in the course of their duties. 

The role of the Agency's management in protecting your personal information includes ensuring compliance with appropriate retention and destruction guidelines and maintaining a reporting process with our Privacy Office. 

Do You Have Questions or Concerns? We Want to Know. 

For any questions, concerns, or complaints about this Privacy Protection Promise or our privacy practices, please contact us: 

Cabinet Assurancia Groupe Tardif Inc. 
Michaël Léveillée, Courtier en assurance de dommages, Directeur TI, Solution numérique 

Courriel : fmleveillee@assuranciagt.ca 
Adresse : 299, Boulevard Frontenac O., 
Thetford Mines (Québec) G6G 6K2 QC, 

We will work with you to gather all relevant information, carefully review your questions, concerns, or complaints, and provide you with a clear response. 

If you have a concern that we cannot address, you have the right to contact your privacy commissioner. We will provide these contact details upon request. 

We may update this Privacy Protection Promise from time to time, so please check it often. We encourage you to review it regularly. If we update it, we will post the most recent version on this website. 

Effective Date: June 2024