Privacy policy

The data controller for personal information collected through the Patrimony Life Financial website is the entity that publishes the site (life and health insurance broker). For any question regarding the protection of your data, you can contact us via the Support page or at the address indicated in the footer.

We may collect the following data when you use the site and its forms (contact, quote request):

• Identity: first name, last name, email address, phone number
• Information related to your request: date of birth, desired product type, coverage amount, term, budget, notes
• Technical data: IP address, browser type, pages visited (in the context of cookies and analytics tools, where applicable)

Data is provided voluntarily when you fill out a form or contact us. Refusing to provide certain data may limit our ability to respond to your request or send you a quote.

Your personal data is used for the following purposes:

• Responding to your contact requests and getting back to you
• Preparing and sending you life insurance quotes and supporting you in your application and underwriting process
• Improving our services and the functioning of the site (statistical analysis, subject to your consent where required by law)
• Complying with our legal and regulatory obligations (e.g. record keeping, insurance regulatory requirements)

In Quebec, the processing of your data is carried out in accordance with Law 25 (Act to modernize legislative provisions as regards the protection of personal information). The legal bases may include: performance of pre-contractual measures (quote request), your consent, or compliance with legal obligations. In Canada, applicable principles may also derive from the Personal Information Protection and Electronic Documents Act (PIPEDA), depending on the context.

Your data is kept for as long as necessary to achieve the purposes for which it was collected (e.g. follow-up of your request, business relationship, underwriting). It may be retained longer where required by law (accounting obligations, insurance regulations). After this period, the data is deleted or anonymized.

In accordance with Law 25 and applicable Canadian laws, you have several rights with regard to your personal information, including:

• Right of access and rectification of your data
• Right to withdraw your consent, where processing is based on consent, without affecting the lawfulness of processing prior to withdrawal
• Right to request deletion of your data, subject to our legal obligations to retain certain information
• Right to obtain information on the use, disclosure, and retention of your data and, where applicable, on any incidents involving your personal information

To exercise these rights, please contact us using the details provided below or through the site's Support page. We may ask you for proof of identity before processing your request.

The site may use cookies or similar technologies to ensure it functions properly, remember your preferences, or produce visit statistics (e.g. analytics tool). Where consent is required by law, we obtain your consent before placing or reading non-essential cookies. You can configure your browser to refuse or delete cookies; some features of the site may be affected.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, destruction, or alteration. Exchanges with the site may be secured (HTTPS). Data sent via forms is processed confidentially.

Your data is processed in Canada. If data is transferred to service providers or servers located abroad, we ensure that appropriate safeguards are in place (e.g. contractual clauses, adequacy decisions) in accordance with applicable regulations.

We reserve the right to amend this privacy policy. Any change will be published on this page with an updated date. We encourage you to review it regularly. In the event of material changes, we may inform you by appropriate means where required by law.