At Lussier, the integrity of information and data transmitted over the Internet, by email and telephone, as well as the protection of personal information, is taken very seriously. Respecting the private lives of our clients and prospective clients is an important part of our commitment to offering the highest quality service. Furthermore, the firm’s representatives are bound by a duty of confidentiality by their code of ethics.
As subject to federal and provincial laws governing the protection of personal information, notably the Act to modernize legislative provisions as regards the protection of personal information, the Act respecting the protection of personal information in the private sector, the Personal Information Protection and Electronic Documents Act and Canada’s anti-spam legislation (C-28), Lussier is firmly committed to protecting information provided to us by our clients and prospective clients and to ensure their rights are respected by any means necessary.
1. Defining Personal Information
Personal information is information about a physical person that directly or indirectly allows that person to be identified. It includes, but is not limited to, the following:
- Name, postal and e-mail address, telephone number;
- Date of birth;
- Social insurance number, driver's license number;
- Bank details.
2. Collection, Use and Retention of Personal Information
The personal information collected by our company is limited to the information necessary to provide or administer financial services and products, respond to requests addressed to us, communicate with our customers and personalize our company's offerings.
Information collection is required to:
- Carry out a complete analysis of the client's needs;
- Prepare a quote for the requested product(s) or service(s);
- Issue or renew an insurance contract;
- Any other reason identified.
The information is collected in a multitude of ways, including when requesting a quote, subscribing to our services, filling out forms online or at events, communicating with our representatives and subscribing to our publications.
Information remains confidential at all times and access is limited to employees authorized to process a client's request. It is kept for as long as necessary to achieve the purpose for which it was collected, or for any longer period required by the legislation governing our activities.
3. Disclosure of Personal Information
At no time is personal information held by our company made public or sold.
We do not disclose personal information to third parties without the client's consent, unless this is required to provide the services requested by the client, for example to insurer partners for the issuance of policies, to give effect to a court order or in cases provided for by law.
In the course of our operations, we are occasionally required to collect or transmit information to organizations or companies that are legally regulated and have a legitimate right to request or transmit such information. These organizations or companies depend on the financial products or services requested by the client and the province in which the client is located.
They include, for example:
- Insurance brokers or adjusters;
- Insurers, reinsurers and financial institutions or their regulatory bodies;
- The Fichier central des sinistres automobiles and the Société d'assurance automobile du Québec or another province;
- Credit, risk and claims data analysis agencies.
In all cases, we make every effort to ensure that your right to confidentiality is respected.
Communication Outside Quebec
It is possible that personal information may be disclosed outside Quebec, for example to a partner insurer or service provider. Prior to transmission, our company takes the necessary steps to ensure that the third party concerned maintains a level of confidentiality equivalent to that in Quebec.
4. Telephone Quotes and Transactions
When we analyze the client's needs, prepare a quote, offer of service or insurance contract over the phone:
- It is understood that our client gives us his or her consent and that he or she has also obtained the consent of all persons interested or mentioned in the insurance quote or contract that concerns him or her. This consent includes the collection, retention, use and disclosure of their personal information for the established purposes.
- If the quote or insurance contract concerns a person other than the client, the representative will ensure that he obtains the direct consent of the person concerned, in compliance with the law.
For reasons of information integrity, training and to ensure quality customer service, telephone conversations may be recorded or monitored.
With regard to the use of e-mail addresses, Lussier's anti-spam policy stipulates that its teams ensure that consent is requested in a detailed and structured manner.
5. Online Quotes
When a client completes and sends a quote form through Lussier.co for different products:
- He/She automatically consents to our company using his/her personal information to analyze his/her needs and provide a quote for the requested financial product;
- He/She authorizes a Lussier representative to contact him/her by telephone, e-mail or any other indicated means in order to discuss his/her file, provide him/her with the requested quote and promote the products and services offered by our company;
- He/She understands that the use of his e-mail address will be made in accordance with Lussier's anti-spam policy, i.e. only once, if necessary, and always for the purpose of responding to his request;
- He/She understands that, still in accordance with Lussier's anti-spam policy, he/she will have the opportunity, during a telephone contact with the representative, to confirm or withdraw his/her consent for subsequent uses of his/her e-mail address.
6. Use of our Web Site
Anonymous and confidential information is collected through the use of cookies and similar technologies (Google Analytics, etc.) via our website to analyze site traffic in order to improve the quality of services and information offered to users.
Users may, at any time, delete or deactivate cookies from their browser. Some cookies are essential to the operation of our site and therefore cannot be disabled.
7. Access to and Correction of Personal Information
It is important that personal information held by our company is accurate, complete and up-to-date.
Any person wishing to verify the accuracy of his or her information, or to make a change to it, may contact the Privacy Officer, whose coordinates are indicated in section 14.
Should the Privacy Officer discover that an error has crept into the file, despite our best efforts, we will correct it as soon as possible and inform the person concerned.
8. Client Consent and Right of Withdrawal
No personal information is collected, held, used or disclosed by our company without the client's consent.
To modify or withdraw consent, the person concerned is invited to contact a Lussier representative. Please note that if consent is withdrawn, our company may not be able to provide a particular service. The representative will then explain the impact of the withdrawal to help in the decision-making process.
9. Online Subscription and Unsubscription
In accordance with our anti-spam policy, it is possible to confirm or withdraw consent to the use of an e-mail address at any time through our online subscription and unsubscription page or by contacting one of our representatives.
10.Information Sent by E-mail
We recommend that our clients exercise great caution when sending us personal information by unsecured e-mail (e.g. policy number, address, etc.).
Lussier is not responsible for damages resulting from the interception, loss or alteration of an e-mail sent to us.
11. Privacy and Security
We implement physical, technical and organizational security measures to protect personal information against unauthorized access.
Any confidentiality or security incident must be reported without delay to our Privacy Officer (section 14).
12. Work Environment at Lussier
Lussier is committed to protecting the personal information of its representatives, employees and job applicants. Legislative provisions designed to protect the privacy of individuals are applied in full to foster a healthy work environment.
13. Process for Handling Privacy Complaints
Any complaint concerning non-compliance with this policy may be addressed to the Privacy Officer (section 14).
The complaint handling process remains confidential.
14. Privacy Officer
The person designated for the application of this policy within our company is:
Privacy Officer
Mrs. Louise Mathieu, Vice President - Business Practices and Compliance
Lussier Cabinet de Services Financiers inc.
1500-935, rue de la Gauchetière Ouest, Montreal (Québec) H3B 2M9
confidentialite@lussier.co
The Privacy Officer ensures that Lussier's representatives and employees are aware of this policy and that they are trained in its proper application.
In accordance with the law, she ensures the creation, maintenance and updating of a register of confidentiality incidents, and upon request by the Commission d'accès à l'information, transmits a declaration of this register.
15. Information on the Policy
If you have any questions or comments regarding this policy, please contact our Privacy Officer (section 14).
Copyright
This document is the property of Lussier Financial Services Firm Inc. Any reproduction, modification, distribution, transmission or disclosure is strictly prohibited without prior authorization.