Protection of personal information

We may collect your personal information from various sources:

• You, when you interact with us
• Other individuals or organizations with whom Beneva has a business relationship

We may collect your personal information in different ways. For example:

• By phone
• By email
• In person
• Using forms and digital interfaces

Our website is managed by Beneva. Therefore, Beneva may collect your personal information using technologies that allow us to identify you, locate you or establish your profile, such as cookies (for more details, please refer to the cookie usage page).

We collect the personal information necessary to achieve our purposes.

We consider "personal information" to be any information that relates to you and that can identify you directly or indirectly (for example, by associating it with other information).

Here are examples of information we may collect, use or disclose:

• Information to identify you
  • First and last name
  • Date of birth
  • Mailing or email address
  • Phone number
• Information to authenticate you
  • Passwords
  • Answers to authentication questions
  • Government identifiers and other information found on your identification documents (e.g., your driver's license number, social insurance number, etc.)
• Health information
  • Health history
  • Health status
  • Lifestyle habits
• Information about your insurance file
  • Insurance quotes and proposals
  • Information about insured individuals, pricing, coverage and other products and services
  • Information collected during claims and benefits requests
• Financial information
  • Income, salary, balance and debts
  • Products and investments, along with their terms
  • Credit reports and credit history
  • Financial statements
  • Investment profile
  • Tax identification number
  • Payment information
• Information about your financial products or services
  • Overview of your situation, including your profile, needs and objectives
  • Transaction and interaction history
  • Customer, product, policy or contract number
• Digital information (websites, applications, social media, portals, etc.)
  • IP address
  • Location data
  • Information related to your device, operating system or browser
  • Browsing preferences and habits
• Information about your interactions and communications with us
  • Reasons for doing business with us
  • Records and phone communications to enhance your customer experience
  • Written communications (e.g., your letters or emails)
  • Notes, summaries and histories of your communications with us
  • Information about your inquiries, complaints or dissatisfaction
  • Language preferences for communication
• Information related to our audits and security
  • Information found in public records (e.g., municipal records, land registries, court records)
  • Video recordings from security cameras at our service points and logs of electronic access card activations
  • Information about our audits related to misrepresentations, fraud, cyber threats and other legal violations
  • Criminal history
• Other information
  • Information about individuals other than yourself (e.g., agent, guardian, temporary representative, assistant, beneficiary, spouse, dependent or other insured person)
  • Information about your professional situation (e.g., your education, occupation, association or professional order)

Here are the purposes for which we collect, use, retain and disclose your personal information:

• To provide you with Beneva products and services
• To comply with our ethical and legal obligations

We may disclose your personal information to other individuals or organizations if it is necessary to achieve the purposes listed in this section.

Here are some examples:

• Insurers
• Other financial institutions
• Service providers
• Fund houses
• Government agencies or regulatory authorities

We may disclose personal information outside of Quebec or Canada.

We typically retain your personal information in Quebec or Canada, but there may be times when we use providers based elsewhere. Therefore, we may disclose your personal information in another country or province, where it is subject to the laws of that country or province.

Protecting your personal information is a priority for us. Only individuals who need access to your personal information to perform their functions may do so. They only have access to the information necessary to achieve the purposes listed in this section.

We have implemented various measures to protect your personal information from loss, theft, and unauthorized access, use, or disclosure.

• Physical measures
• Technological measures, such as two-factor authentication, firewalls, and encryption of personal information
• Organizational measures

We retain your personal information only as long as necessary to achieve the purposes for which we collected it, as well as to comply with our business rules and legal obligations.

Modify your consent

You can modify your consent to the collection, use, disclosure and retention of your personal information, subject to certain limitations.

In certain situations, your consent is essential to maintaining our business relationship or providing you with a product or service.

For consent regarding receiving personalized offers and advice, you can withdraw it at any time by contacting us.

Access your personal information and correct it

You have rights related to your personal information. You may ask us to:

• Access it
• Correct or update
• Receive a copy in a structured and commonly used technological format (e.g., a PDF file)
• If information is publicly shared, to stop sharing it (e.g., remove a related to a contest from our social media channels)

To do this, please contact your advisor, who will guide you through the steps for processing a request.

Our Chief Privacy Officer ensures that we comply with the rules described on this page and by law. If you have questions, comments or requests regarding your personal information, we encourage you to contact your advisor.