Privacy Policy

Privacy Promise

At Univesta Insurance and Financial Services Inc., we are committed to protecting your personal information. The purpose of this Promise is to inform you of the way we collect, use, and disclose your information, as well as your rights and the role we play in protecting it.

The Information We Collect and Methods of Collection

The information we collect varies based on your interaction with us, the products and services chosen, your use of our websites and our mobile and digital applications, as well as the payment method used.

We collect and process your personal information:

with your consent;
when necessary to offer the products and services and those of our providers;
in order to comply with our legal and contractual obligations;
to protect the security of our clients and our systems;
or under other legitimate interests.

When we ask you to provide personal information, you have the right to refuse. However, if you decide not to provide the information necessary for certain products, services, or features, they might not be accessible to you or might not function properly.

i) Information provided directly by you

We collect personal information when you:

communicate with us as a current or potential client;
ask questions about our services and use them;
request an insurance quote;
subscribe to an insurance product;
make a payment;
apply for a job.

This information may include:

name and contact information;
marital status;
driver’s license number;
information about your vehicle or your property;
information about a loan or your mortgage;
financial and banking information.

ii) Information obtained from third parties

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

your insured vehicle or your insured property;
your driving record;
your claims history;
credit-related information;
accident reports;
witness statements;
medical records.

iii) Calls, chat sessions, and other communications

We may record calls, chats, and other communications you have with us to:

ensure the quality of our customer service;
confirm our discussions and your instructions;
handle dissatisfaction or a complaint;
use them for training purposes for our staff.

If you do not wish for your communications with us to be recorded, you can notify us by mail or by sending us an email.

iv) Cookies, web beacons, and other technologies

It is possible that we collect your information in order to identify you on our website, collect information on how you use our website, and allow you to access our online services. To do this, we use cookies, web beacons, and other tracking technologies.

To obtain information about the cookies, web beacons, and other technologies we use and how to deactivate them, please read the terms of use of our website. Please note that if you decide to deactivate or delete cookies, web beacons, and other information collection technologies, you might not have full access to our features or our online services.

v) Your consent for others

It is possible that we ask you for information about other people covered by your insurance (for example, designated drivers). To this end, we expect you to ask these people for their permission to consent on their behalf to this Privacy Promise.

Why We Collect, Use, and Disclose Information

We collect, use, and disclose personal information, notably to:

better serve you and communicate effectively with you;
verify your identity and your property;
establish, manage, and offer products or services that meet your needs;
determine your eligibility for a product or verify which products or services are best suited to your situation;
manage, assess, and underwrite insurance risks;
determine rates, fees, honors, and premiums;
promote and market the products and services we offer or that are offered by our partners, notably insurance companies, claims adjusters, and other intermediaries;
conduct market studies;
perform marketing activities and analyses;
report to regulatory bodies or industry entities in accordance with prudent insurance practices and regulatory requirements of the insurance industry, including claims history;
detect, prevent, and contain fraud as well as unauthorized or illegal activities;
comply with all applicable laws and satisfy the requirements of tax authorities;
disclose your information to external service providers for external processing purposes, such as data or payment processing;
conduct research and development activities with a view to designing, operating, improving, and administering the products and services we offer;
disclose your information to our affiliates for the aforementioned purposes.

We may process personal information about you by means of an automated system, such as our online insurance quote tool or our telematics automobile insurance program. Our products and services may use technologies that process information you provide to us with the aim of offering you personalized and tailored insurance services based on your characteristics (that is, your preferences, interests, and behaviors). The use of our automated system, we are convinced, will allow us to offer you prompt and individualized assistance.

Disclosure of Information

Your personal information may be disclosed:

with your consent;
when required or permitted by law, or in case of emergency to protect your safety;
to third parties, partners, including contractors, service providers and their mandates, or fraud prevention agencies.

We require these third parties to ensure protection and processing in accordance with our privacy practices and all applicable laws.

Business Transactions

In the context of a merger, acquisition, or sale of assets with a third party, it is possible that we disclose your personal information to them. If your personal information becomes subject to new privacy practices, we will notify you.

Research and Development or Production of Statistics

It is possible that we 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 to them in a form that allows you to be identified.

Access to Your Information, Correction, and Withdrawal of Consent

You have the right to request the correction of the personal information we hold about you. You also have the right to access your personal information under our control, subject to any legal restriction or right of refusal. However, to the extent permitted by law, we reserve the right to require reasonable fees for photocopying and sending the information contained in your file. Please note that your ability to exercise these rights will depend on a certain number of factors and that, in certain situations, we might not be able to accept your request.

You can at any time withdraw your consent to the collection, use, and disclosure of your personal information, subject to certain restrictions. However, if you withdraw it, it is possible that we cannot provide you with our insurance products and services or offer you our best rates for your insurance policies. You can also withdraw your consent to the collection, use, and disclosure of your personal information for marketing purposes or as a job applicant at Univesta Insurance and Financial Services. If you wish to request access to your personal information, or the correction of your information, or the withdrawal of your consent, please contact:

Univesta Insurance and Financial Services Inc.
Marie-Josée Boucher, Vice-President, Compliance and Legal Affairs
3925 Rachel Street East, Montreal, Quebec H1X 3G8
mjboucher@univesta.ca or 1-855-864-8378

Retention and Destruction of Your Personal Information

Our policies establish the rules for the retention and destruction of personal information. As a general rule, 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, the use and purpose of this information, as well as any legal requirement, we might be required to retain your personal information for a specific period.

Our Responsibilities

As part of our commitment to protecting your privacy, we have implemented privacy policies that describe the obligations of staff members of Univesta Insurance and Financial Services Inc. when they handle your personal information. All employees must obtain the necessary consents from you during the collection, use, and/or disclosure of your personal information, in accordance with the law. Furthermore, they can only access your information if they need it in the performance of their duties.

The role of management in protecting your personal information notably consists of ensuring compliance with appropriate guidelines regarding retention and destruction, and maintaining a reporting process with our Person Responsible for the Protection of Personal Information.

Person Responsible for the Protection of Personal Information

The Responsible Person:

ensures compliance with laws and policies;
acts as a point of contact with regulatory bodies and authorities;
handles complaints, concerns, and answers questions.

Our Person Responsible for the Protection of Personal Information will collaborate with you to obtain all relevant information, carefully review your questions, concerns, or complaints, and provide you with a clear response.

Contact Us

For any question, concern, or complaint regarding this Privacy Promise or our practices in this regard, please contact:

UPDATE
It is possible that we update this Privacy Policy from time to time.

Effective date: September 2025
Update date: June 2026