Privacy Policy

Privacy policy and terms of use of Chambreassurance.ca

The document “Politique de confidentialité et conditions d’utilisation” currently in effect will be updated at a later time.

Thank you for visiting the website (“Site”) of the Chambre de l'assurance and for reviewing the Politique de confidentialité et conditions d’utilisation (“Conditions”).
These Conditions inform you of the types of information collected when you visit our Site, as well as the purposes and means by which they are collected.

By using the Chambre de l'assurance Site, including domain names (for example, www.chad.ca, www.chambresf.com), or by downloading documents, forms, or any tools presented (collectively referred to as the “Site”), you agree to the Conditions, both on your own behalf and on behalf of any entity for which you act. If you do not accept the Conditions, please do not use this Site.

1. Introduction

The Chambre de l'assurance is responsible for the protection of the personal information it holds throughout its lifecycle, from collection to destruction.

The content of the Site is made available to you subject to acceptance of the Conditions and any modifications that the Chambre de l'assurance may make in alignment with its mission and in compliance with the law. The Chambre de l'assurance may, at its sole discretion, modify the Conditions and any content on this Site.

2. Security and Confidentiality

Management of your information

The Chambre de l'assurance implements best practices to request as little information as possible to provide its services. When information is collected, it is stored using the most secure practices and periodically purged in accordance with regulatory and legal obligations.

Your personal information

When you provide personal information by email, through the “Contact Us” section of our Site, or through a form submitted via our Site, we only use the information necessary to respond to your message, in accordance with applicable laws. Only authorized individuals within the Chambre de l'assurance and its partners have access to this information, and only when necessary to perform their duties. The personal information held by the Chambre de l'assurance is used solely for the purposes for which it was collected and is archived or securely destroyed when no longer required.

Personal information is never disclosed to third parties, except in the following cases:

1. Transmission of complaints to the Autorité des marchés financiers

2. Interactions with CSF & CHAD sites and training platforms

3. When required by law

4. To certain providers who sign a Non-Disclosure Agreement

When you subscribe to a newsletter of the Chambre de l'assurance or any other electronic channel available on the Site, you must provide your email address. This address will be used only for regular communications from the Chambre de l'assurance related to its activities.

3. Copyright

Unless otherwise indicated, all content on the Site belongs to the Chambre de l'assurance, including information, text, images, videos, computer code, and documents, as well as the way they are presented. The content is protected under Canadian and foreign copyright laws. It belongs either to the Chambre de l'assurance or to the recognized provider of the content (e.g., licensed material).

Except for the Toolbox, the content may not be reproduced, downloaded, printed, copied, or reused in any way without prior written consent from the Chambre de l'assurance. Personal use is permitted and must comply with the Conditions.

It is strictly forbidden to sell or modify, for public or commercial purposes, any text, images, videos, code, or documents available on the Site.

You must keep all copyright notices or ownership notices on any copies of documents you download.

The trademarks, names, and logos of the Chambre de l'assurance, whether registered or not, may not be used, copied, imitated, or reproduced, in whole or in part, without prior written consent.

4. Technical Details of the Site

The Chambre de l'assurance Site is responsive to various screen resolutions. The two latest versions of Microsoft Edge, Google Chrome, Mozilla Firefox, and Apple Safari are supported for desktop. The mobile version is supported on the two latest versions of Google Chrome (Android) and Apple Safari. The Chambre de l'assurance Site complies with AA accessibility standards as defined by the Web Accessibility Initiative (WAI).

5. Cookies

We collect information about you on certain pages using cookies and similar technologies (e.g., invisible pixels) (collectively referred to as “cookies”).

Cookies are small electronic files installed on your device. They help you navigate efficiently and enable certain functionalities.

Some cookies are categorized as “mandatory”; they are essential to the Site's operation, cannot be disabled, and are active whenever you browse chambreassurance.ca.

We also use third‑party cookies that help us analyze Site usage, save your preferences, and provide relevant content and advertising. These third‑party cookies are stored only with your prior consent.

You may accept all or some cookies. If you accept only some, your browsing experience may be affected. Here is the information on the different categories of cookies:

– Functional

Functional cookies make it possible to improve and personalize the functionalities of the Site. They may be activated by the Chambre de l'assurance or by our providers. If you do not accept these cookies, some or all of the services may not function properly.

– Analytics and Performance

Analytics and performance cookies are used to understand how visitors interact with the Site, as well as to measure and improve its performance. These cookies help provide information on metrics such as the number of visitors and visits, or the source of traffic. This contributes to offering you a better user experience. All information collected through these cookies is depersonalized and then aggregated. If you do not accept these cookies, we will not have access to your metrics.

– Advertising

Advertising cookies are used to provide you with personalized advertisements based on the pages you have visited and to analyze the effectiveness of advertising campaigns. They store information about your interests, based on the unique identification of your browser and device. If you do not authorize these cookies, any advertising you may receive will be less targeted.

At any time, you may withdraw your consent for the communication or use of information collected by non-mandatory cookies by adjusting your browser’s “settings.” Even without these cookies, you will be able to access most pages of the Site; however, certain features may become unavailable, or your browsing experience may be affected.

6. Online Payment Services

Certain online services offered by the Chambre de l'assurance, such as training courses, can be purchased through a secure website. As some fees are payable in advance, credit cards are a secure method of payment. The Chambre de l'assurance uses external service providers for transactions. You must provide the required information depending on the chosen payment method.

For your next transaction, you will need to re-enter certain details, as the Chambre de l'assurance does not store credit card numbers or banking information. Only providers retain your data according to their own policies.

7. Hyperlinks and Third-Party Content

Our Site provides relevant links to other websites. When you follow a hyperlink from our Site, you may leave the virtual space of the Chambre de l'assurance. Once you leave our Site, the exchanged information is no longer subject to our Conditions but to the policies of the site you visit. These hyperlinks do not constitute an endorsement of the content or of the entities operating those sites. The Chambre de l'assurance is not responsible for such sites, their content, or their accessibility.

If you create a hyperlink to the Chambre de l'assurance Site, your hyperlink must not suggest or indicate that the Chambre de l'assurance is associated in any way with any other website, nor that it has approved its content, unless a specific agreement has been made with the Chambre de l'assurance. The Chambre de l'assurance reserves the right to require the removal of this hyperlink at any time.

8. Disclaimer of Liability

By visiting our Site, you expressly declare that you fully assume responsibility for your use of the Site, which is done at your own risk. The Chambre de l'assurance makes this Site available to you as it is currently presented and on an availability basis. The Chambre de l'assurance assumes no responsibility whatsoever, whether implicitly or explicitly, for the use of this Site, its content, its functionalities, the products and materials presented on it, or its availability. The Chambre de l'assurance also assumes no responsibility for any potential transmission of computer viruses or malware in any manner whatsoever.

The Chambre de l'assurance makes no representations and provides no warranties, express, statutory, or implied, regarding the Site and its content. In particular, the Chambre de l'assurance offers no warranty regarding:

- the uninterrupted or error-free operation or access to its Site and its content, nor to the content of hyperlinks;

- the Site or its content being free of errors, inaccuracies, or typographical mistakes;

- the reliability, accuracy, or correctness of any advice, opinion, statement, or other information presented on its Site.

The information is provided solely for educational and informational purposes and should never be interpreted as legal advice, a response applying directly to a particular situation, or a specific recommendation for a product or course of action. Use of the Site must not replace consultations with a qualified professional. In this regard, the Chambre de l'assurance recommends consulting a professional based on your situation and needs.

9. Limitation of Liability

Subject to mandatory legal provisions, the Chambre de l'assurance, its staff, its administrators, and its suppliers are not liable for any loss or damage of any kind, including direct or indirect damages attributable to the use of the Chambre de l'assurance Site. This limitation applies in particular to damages for commercial prejudice, loss of profits, savings, or revenue, business interruptions, and loss of information, computer programs, or other data in your information processing system, whether or not the Chambre de l'assurance and its suppliers were advised of the possibility of such damages.

The information, data, and opinions offered on this Site are provided for informational purposes only and can in no way bind the Chambre de l'assurance, including its Discipline Committee.

10. Compliance with the Conditions, Comments, or Complaints

The Director of Legal Affairs and Compliance of the Chambre de l'assurance is the individual responsible for access to documents and the protection of personal information designated under the law. In this capacity, she is also responsible for ensuring compliance with the rules set out in these Conditions. If you would like more information about the Conditions, please do not hesitate to contact us.

When you send a message, comment, or complaint to the Chambre de l'assurance through the Site, you waive all moral rights in your communication in favor of the Chambre de l'assurance, and you acknowledge and agree that the Chambre de l'assurance cannot be held responsible for any loss, damage, or corruption of your message.

11. Applicable Law and Jurisdiction

By visiting our Site, you agree to the application of Québec law, excluding all private international law provisions, to the Conditions as well as to any dispute of any kind between you and the Chambre de l'assurance. All disputes will be submitted to the competent court of the district of Montréal, in the province of Québec, Canada.