Privacy policy

At Le Groupe AFER Ltd., we are committed to preserving the confidentiality of your personal information and processing it in compliance with the law and respect for your privacy. Protecting your personal data is crucial to us. Members of our firm are bound by a duty of confidentiality under their code of ethics. We strive to provide superior quality service.

• Focus on what is essential: Collect, use and disclose only what is necessary.
• Be transparent: Be transparent with you throughout our relationship.
• Obtain your consent: Before collecting, using or disclosing your personal information.
• Protect the confidentiality of your information: Implement robust security measures.

We limit ourselves to what is essential. We collect the personal information necessary for the purposes listed in this policy.

We consider “personal information” to be any information about you that allows direct or indirect identification (for example, in association with other information).

• Name, address and telephone number;
• Date of birth, civil status and marital status;
• Credit score and payment history;
• Social insurance number (“SIN”);
• Previous insurance experience, including claims history;
• Driver's licence number, vehicle identification number (VIN) and driving record;
• Banking information and credit card information;
• Medical information;
• Employment and income information.

Personal information collected by Groupe AFER is confidential; only personnel authorized to respond to requests have access to it. The client file contains only the essential information needed to:

• Perform a complete analysis of the client's or prospect's needs at any time;
• Issue a quote for the requested product(s) or service(s);
• Establish an insurance policy if necessary.

Anonymous and confidential information is collected through Google Analytics to analyze traffic on our website (groupeafer.com). AFER uses this data only to improve the quality of services and information offered on the website.

We take the necessary steps to ensure that the information in our files is accurate, complete and up to date. If you wish to verify the accuracy of or make changes to your personal information, you may contact the privacy officer whose contact details are provided below.

If a manager notices an error in the file, despite all the care we take, we will correct it as soon as possible and inform the person concerned.

No information is collected by Le Groupe AFER without your consent. Consent may be given orally in person or by telephone, or in written form (consent form, application form, letter, email, etc.).

Groupe AFER considers that your consent to the collection, use and disclosure to third parties such as insurers is expressly given when you provide us with personal information intended to allow us to provide you with a product or service. Entities that provide Groupe AFER with personal information about their employees are responsible for obtaining their prior consent.

When you contact us by telephone to analyze your needs:

• It is understood that you give us your consent and that you have obtained the consent of all persons interested in our quote or the insurance contract that may concern them;
• If the quote or insurance contract concerns someone other than you, the broker will ensure that consent is obtained directly from the person concerned, all in accordance with the Act respecting the protection of personal information in the private sector;
• When you complete an online quote form through groupeafer.com: You automatically consent to Groupe AFER using this personal information to analyze your needs and prepare a quote for the requested product;
• You authorize a Groupe AFER broker to contact you by telephone, email or other means to discuss your file, provide the requested quote and promote AFER products and services;
• You understand that your email address will always be used to respond to your request and serve you properly;
• You may contact one of our representatives at any time to confirm or withdraw your consent for future uses of your email address.

Subject to certain legal or contractual restrictions, you may withdraw your consent at any time by submitting a written request to our privacy officer at the address below. In some cases, refusing to provide certain personal information or withdrawing your consent may prevent us from issuing insurance coverage or other products, services or information.

Unless you withdraw your consent, it will be considered valid for the time necessary to achieve the purposes for which your information was collected, even if you cease to be a client of Le Groupe AFER Ltd.

Le Groupe AFER Ltd. implements rigorous security standards and procedures to ensure the protection of all personal information under its control against unauthorized access and use. These measures include physical aspects such as restricting access to our premises, using secure shredding services, and applying strict controls to limit and monitor employee access to our facilities. We also raise employee awareness of the importance of confidentiality through internal procedures and training programs.

Le Groupe AFER Ltd. uses technological measures such as encryption, passwords, firewalls and other data protection mechanisms to ensure the security of personal information under our responsibility.

If you have questions or concerns about your personal information or this privacy policy, please contact our privacy officer using the contact information below:

Ms. Louise Beaudet
Vice-President
Le Groupe AFER Ltd.
800 - 276 Saint-Jacques
Montreal, Quebec H2Y 1N3

Telephone: 514 510-6681
Toll-free: 1 877 715-6661
Fax: 514 657-4245

lbeaudet@groupeafer.com