Policy concerning the protection of personal information
In the field of insurance and financial services, Industrial Alliance Insurance and Financial Services Inc. and its affiliates (“Industrial Alliance”) are required to collect information of a personal nature including health, lifestyle or financial situation of their respective clients, employees or representatives (each an “individual”). The Excellence Life Insurance Company (“Company”) is aware of the sensitivity of such information and has always made sure that it is kept strictly confidential.
The purpose of this policy is to confirm, formalize and promote the protection of personal information in possession and control of the Company.
1. Personal Information
Personal information is defined as being any information concerning an individual and allowing the identification of him or her.
Personal information has to be protected regardless of its characteristics or its form, whether written, graphic, audio, visual, computerized or any other form.
2. Purposes of Information Collection
The Company shall identify the purposes for which personal information is collected at or before the time of collection. Persons mandated by the Company to collect information or persons who collect information that is submitted to the Company, should be able to explain to the concerned individuals the purposes for which the information is being collected.
Information will generally be collected from individuals through the various forms such as enrolment, account opening or claim forms which, if produced by the Company, shall indicate the purposes of the information collection. The sole objective of the information collected from the individuals will be to provide the products or services requested and to respond to their needs or the Company’s needs for the duration of their relationship with the Company.
Where the Company collects personal information from an individual, the Company informs the individual of the purposes for the collection of personal information and obtains the individual’s consent at or before the time of collection, as well as when a new use is identified. Every person must be informed of any further collection, use or communication of personal information about them and provide express consent for these purposes.
The Company seeks express written consent in order to collect, use or disclose personal information through different forms used by the Company. Where appropriate in the circumstances, the Company may accept a verbal or implied consent.
Consent must be given by the individual or an authorized representative such as a legal guardian or a person having power of attorney.
Any person may withdraw their consent at any time, subject to legal or contractual restrictions. The Company must inform the person of the consequences of such withdrawal, including the possibility that the Company may not be able to provide a product or the inability to process a request.
The Company may have to collect, use or disclose personal information without an individual’s knowledge or consent for legal, medical or security reasons. The Company has also to disclose personal information to institutions regulating its activities and public bodies having the authority to investigate.
4. Limitations to Collection, Use, Disclosure and Retention
The Company must always proceed by fair and lawful means in the collection, use, disclosure or retention of information. The Company must not collect, use or disclose information except with the consent of the individual or as required by law.
The Company must limit the amount and type of information collected to that which is necessary to fulfil the purposes identified. The Company shall only collect personal information from the concerned individual unless this individual allows the Company to collect it from a third party.
Personal information held by the Company is only accessible to persons having authority to access such information. They use such information only to the extent necessary in the discharge of their duties.
The Company shall retain personal information only as long as necessary for the fulfilment of the purposes for which it was collected and the information must be destroyed in accordance with the law and Company guidelines with respect to the retention of files.
The Company shall occasionally share personal information concerning individuals with suppliers or agents to ensure the management of the selected products or to provide the required services. These suppliers or agents shall have to commit themselves to comply with privacy legislation before any communication of information.
Some companies of the Industrial Alliance group may establish a nominative list of their respective clients (names, addresses and telephone numbers) and share this list with other companies of the Industrial Alliance group. If need be, the purpose of this list shall be to allow the company to better serve its clients by offering relevant and available products and services. Clients may request that their name be withdrawn from such list by writing to the Privacy Officer at the address provided in section 8 of this policy.
The Company shall apply methods aimed to ensure that personal information is as accurate and complete as necessary for the purposes for which it is to be used.
The Company shall not routinely update personal information, unless such a process is necessary to fulfil the purposes for which the information was collected.
The Company is responsible for personal information in its possession or control, including information that has been transferred to a third party for processing. The Company requires such third party to keep personal information under strict standards of privacy and protection.
The Company shall ensure that each department has implemented procedures to apply the principles of this policy. The Company shall adequately inform and train its employees on the Company’s policies and procedures with respect to the protection of personal information.
The Company has implemented and continues to implement appropriate safeguards with the purpose that personal information remains strictly confidential and that it is protected against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
8. Request for Access to Information or Amendments
The Company’s policies and procedures concerning the protection of personal information shall be readily available to anyone. The Company must inform an individual of the existence, use, and disclosure of his or her personal information and his or her right to access the information..
The Company shall respond to an individual's request for information within a reasonable time. In addition, the fee charged for processing the request shall also be reasonable.
The Excellence Life Insurance Company and the other members of Industrial Alliance Group may refuse to provide access to medical information directly to the concerned person and may ask to designate a health care professional to receive information about the concerned person. The designated professional will then communicate information to the concerned person.
An individual may challenge the accuracy and completeness of personal information and have it amended as appropriate. The Company shall respond to an amendment request within a reasonable time.
Any request for access to information or request for amendment must be sent to the following address
Excellence Life Insurance Company
5055 Metropolitain Blvd. East, Suite 202
Montreal, Quebec H1R 1Z7
For The Excellence Life Insurance Company (The Excellence hereinafter), issues concerning confidentiality and the protection of personal information are of the utmost importance. The Excellence is therefore committed to respecting the privacy of your personal information and has taken all the technological measures required to do so. However, since the Internet is not a totally secure medium of communication, The Excellence cannot guarantee the privacy of any information you transmit to us via the Internet.
Limitation of Liability
Considering the current state of the technology, The Excellence cannot fully guarantee the confidentiality of information transmitted via the Internet or the transmission time of such information.
Accordingly, you acknowledge that The Excellence and its suppliers shall not be held liable for any losses or damages that may arise directly or indirectly from a breach of confidentiality of information transmitted via the Internet or for any delay in the transmission of such information to The Excellence.
For The Excellence, security of the transactions carried out through this website is of the utmost importance. Consequently, to use a form on this site, your browser software must be equipped with a 128-bit encryption. 128-bit encryption is a means of scrambling information that is transmitted during the duration of the transmission. 128-bit encryption is the strongest, most secure form of encryption currently available in Internet browsers on the North American market.
Conditions of Use
This legal notice governs the use of The Excellence Life Insurance Company (The Excellence hereinafter) website. Please read it carefully before consulting the other pages of our site. By accessing the site, you agree to accept the conditions outlined in this notice.
The purpose of the The Excellence website is to provide you with information on the company, as well as its products and services. All products and services mentioned on this site are subject to the terms and conditions of the contracts and policies applicable thereto and may be changed without notice.
The Company’s products and services are offered only in Canada and only to Canadian residents, and certain products and services may not be available in all regions of Canada. Moreover, nothing on this site constitutes an offer to buy or sell the products and services of The Excellence; nor is anything on this site intended to promote such products and services in other territories.
b) Reliability of Information
The Excellence makes an effort to provide information that is as reliable as possible on its site. However, the Company cannot guarantee that such information will be accurate, complete and current at all times. The information and data contained on its site are presented for information purposes only and are not intended to take the place of legal or financial advice. The Excellence reserves the right to modify such information and data at any time without notice.
In the event of a discrepancy between the information published on this site and that contained in a contract, the information in the contract shall prevail.
c) Other Sites
The Excellence and other members of the Industrial Alliance group do not endorse or approve the content of other websites that can be accessed by hypertext links from this site.
d) Copyright and Trademarks
The content of this site is protected by the copyright laws in effect in Canada and other countries if applicable. Copying, reproducing, publishing or distributing any of the information found in this site, in whole or in part, is strictly forbidden. Visitors to this site shall be entitled to copy, print or download information for their own non-commercial personal use. They must acknowledge the source and ensure that the said information has not been modified in any way.
The prior written authorization of The Excellence is required for any other use, failing which the Company shall take the appropriate legal action. To request such authorization or for any other information in this regard, please contact us by mail or email, as follows:
The Excellence Life Insurance Company
5055 Metropolitain Blvd. East, Suite 202
Montreal, Quebec H1R 1Z7
Telephone: 514 327-0020, extension 3230
Toll-free: 1 800 465-5818
The Excellence and other members of the Industrial Alliance group own the trademarks used on or in connection with the goods and services which they provide, whether they be in the form of names, graphs, logos, icons, designs, words, titles or phrases. These trademarks are protected by the Canadian trademark laws.
e) No Liability
The Excellence and other members of the Industrial Alliance group, as well as their directors, officers, employees, and representatives, shall not be liable, in any manner whatsoever, for any losses or damages that may arise directly or indirectly from the use of this site, including special or consecutive damages and third-party damages.
More specifically, but without limiting the generality of the foregoing, The Excellence and other members of the Industrial Alliance group, as well as their directors, officers, employees, and representatives, shall not be liable for any damages that may arise from acts or deeds performed on the strength of the information contained on this site or for any damages suffered as a result of the disclosure of personal or confidential information that is transmitted to them via the Internet.
In addition, The Excellence and other members of the Industrial Alliance group, as well as their directors, officers, employees, and representatives, shall not be held liable for any damages that may arise from the unauthorized reproduction or use of the information contained on this site.
The Excellence places the highest priority on the security of information transmitted and transactions carried out by way of this site. The conditions of use described in this legal notice govern all transactions carried out, including contest participation. In carrying out transactions by way of this site, you acknowledge having accepted the conditions set out in this notice.
The obtainment of a product or service may be subject to certain conditions. The transmission of a request is therefore subject to the approval of The Excellence.
g) Modification of Terms and Conditions of Use
The Excellence reserves the right to modify at any time the terms and conditions of use applicable to transactions requested by way of this site.