PRIVACY POLICY

Privacy and confidentiality are important concerns of Canadians. In recent years, the federal and provincial parliaments have passed various pieces of legislation specifically aimed at protecting personal information.

Valeo+ Group (collectively, “Valeo+”, the “Company” or “we”) places great importance on protecting the personal information of its customers, contractors, employees, subcontractors, and visitors to its websites.

We have implemented significant and effective controls to protect the confidential nature of the personal information we hold.

In order to provide quality financial security services, we require access to certain personal medical, financial and family information. We manage this information with all the necessary discretion and rigour and in compliance with the legal and regulatory requirements in force in Canada.

The following text informs you of our commitments regarding the management and protection of personal information.

What is personal information?

Personal information is any information about an identifiable individual or any facts which, on their own or combined with other data, can identify an individual. Personal information doesn’t include the names and titles of an organization’s employees or the addresses and telephone numbers of their workplace. It doesn’t apply to information regarding companies or other legal entities.

Collecting personal information and creating files

The personal information we have about you is kept in a file so we can offer you various financial services of insurance, investments, annuities and related services.

We collect from you or, with your consent, from third parties, the personal information necessary to provide the services you require. If you decline to provide this information or to consent to its disclosure, we may be unable to offer our services

We collect only the information necessary for the purpose of the file, in compliance with the law.

You are the first person we approach to obtain your personal information. Subject to certain exceptions provided by law, your consent is required to collect personal information about you from a third party. In such a case, we indicate the source of the information in the file.

Our applications and forms include an authorization section that enables us to collect, use and disclose (only under certain circumstances) your personal information. It is very important that you read this section carefully before signing it.

We always ask for your consent before we collect or disclose your medical information.

Privacy Officer

The Privacy Officer

• Responds to requests for access and correction
• Handles requests to remove names from contact lists
• Responds to complaints concerning the management and protection of personal information
• Manages inquiries regarding the disclosure of personal information to service providers located outside Canada

The Privacy Officer is also available to provide you with information or to answer questions about the management and protection of personal information:

Valeo+ Group
725, bld Lebourgneuf
Bureau 401
Quebec, (Quebec)
G2J 0C4
Mathieu.moisan [@] valeo.plus

Changes to the policy

We reserve the right to change this policy at any time.

Right of access and correction

You can access the personal information relating to you contained in the file by sending a written request to the Privacy Officer. This right of access and correction covers:

• The right to consult the personal information in the file free of charge
• The right to obtain a copy of the personal information in the file for a reasonable fee
• The right to have incomplete, inaccurate or ambiguous information corrected in the file

Complaints handling

In the event of a disagreement with us concerning your rights as set out in this document, or any other situation concerning the protection of your personal information, you can file a complaint with the Privacy Officer.

The Privacy Officer will look into the matter and inform you of the procedure to follow. Each complaint will be investigated. If the complaint is justified, we will correct the situation raised in the complaint.

Retention use and disclosure of personal information

We apply the necessary and appropriate security measures to protect the confidential nature of the personal information in our possession. This means that only authorized individuals can access the personal information in the files and only when necessary in the course of their duties.

We have implemented various security measures, including:

• All permanent and temporary employees must sign a confidentiality agreement
• Rules concerning the protection of the confidentiality of personal information in the files have been added to our Code of ethics and professional conduct, and the violation of these rules can lead to disciplinary action, up to dismissal
• Company representatives and providers of goods and services with access to personal information must sign a confidentiality agreement
• Security systems have been installed in our business establishments to prevent unauthorized access
• Appropriate safeguards have been installed in our computer systems

We do our best to ensure that the information in the file is up to date before it is used to make any decisions concerning you. Unless you consent, or it is required by law, personal information in the files is never used for any purpose other than that for which it was intended.

Our client lists are only used or disclosed as permitted by law. We can use these lists to inform our clients of promotions or to offer a new product. If you would like your name to be removed from the list, contact our Privacy Officer at any time.

We won’t disclose the personal information about you contained in the file to any third party, unless we receive written consent from you, or we are authorized by law to do so (for example, in the case of an inquiry by the officers of the court).

When personal information is sent outside of Valeo+, it is done so as to ensure confidentiality, even if you are the one who will receive the information.

Surveys and Contests

By completing a survey or entering a contest, you share with us your opinion, response, or any other information you care to provide. We may use this information in our survey results and post them on our website. In the case of contests, we use your entry for draw purposes only.

Google Analytics

Valeo+ uses Google Analytics on his website (hereinafter “Site”. The service is provided by Google Inc. (hereinafter “Google”). Valeo+ uses first-party identifiers and third-party identifiers in conjunction with third-party vendors. Google Analytics uses cookies and other unique identifiers, which are anonymous identifiers placed on your computer material. They help Valeo+ to analyze your use of the Site. The traffic data collected through cookies and other unique identifiers particularly pertains to your use of the Site (including your IP address). Google transmits the data and stocks it on servers in the United States. Google may share this data with third parties where legally obligated or when a third party is processing data for a Google account. No information allowing Google to identify you will be transmitted.

Google will use the information collected to:

• analyze your use of the Site
• compile reports on Site activity
• provide other services related to Site activity as well as Internet use

User ID

Google Analytics uses the User ID feature on the Site. The feature makes it possible to associate information regarding relationships between various computer tools and several sessions with unique identifiers. Each User ID represents an individual anonymous user in Google Analytics.

Deactivation

When browsing, you can deactivate Google Analytics by selecting the appropriate browser or computer tool parameters, advertising parameters, mobile advertisement parameters or other, notably the Google Analytics opt-out browser add-on.

By using the Site, you expressly agree to allow Google to process personal data under the conditions and for the purposes outlined above.

 

Share your opinion and concerns with us

We welcome your comments, questions and concerns. Your opinion is important to us.

Contact our Privacy Officer by mail, phone or email:

Valeo+ Group
725, bld Lebourgneuf
Bureau 401
Quebec, (Quebec)
G2J 0C4
Mathieu.moisan [@] valeo.plus

Please note that if you send us an email, your email address will be used only to reply to you.