Terms of Use

DEFINITIONS

“Client Centre” refers to the online service provided by La Capitale which allows you to manage the insurance products and financial services that you purchased from us.

“La Capitale” refers to La Capitale Financial Group Inc., its subsidiaries and their authorized representatives. When these terms of use were last updated, La Capitale’s subsidiaries included the following companies: La Capitale General Insurance Inc., La Capitale Civil Service Insurer Inc., La Capitale Financial Security Insurance Company and La Capitale Financial Services Inc.;

“Information” refers to information, documents and content appearing on the Site pages.

“Personal Information” refers to any information which relates to a natural person and allows that person to be identified. 

“Site(s)” refers to the Client Centre and all La Capitale websites.

“User(s)”, “you” and “yours” refers to persons who access or use these Sites.

NOTICE

By using the Sites, you acknowledge having read, understood and agreed to the terms of use herein, as well as our Personal Information Protection Statement. Otherwise, please do not access the Sites. 

La Capitale reserves the right to modify these terms of use at any time and without notice. Please familiarize yourself with them on a regular basis since you are bound by the terms of use in effect at the time you are using one of the Sites. 

PERSONAL INFORMATION PROTECTION STATEMENT

La Capitale agrees to take all reasonable measures to protect the Personal Information provided by the Users through its Sites, chat sessions or chatbot. 

To this end, La Capitale applies the guiding principles set out in the Personal Information Protection Statement and ensures it complies with the applicable Personal Information protection laws. 

Your Personal Information is stored at La Capitale’s offices. It may be held securely in a foreign country. If so, it is governed by the laws of that country.

SOCIAL MEDIA NETIQUETTE

Netiquette refers to the general rules or conventions of correct or polite behaviour in online contexts, and more specifically, in social media. See our statement regarding Social Media Netiquette.

CLIENT CENTRE AND SERVICES PROVIDED ONLINE

You can perform certain transactions through the Client Centre and the services we offer online. You can get a quote, view, download or print documents related to insurance products or financial services, and make certain changes to your file or the products you have purchased from us. 

If you think an error was introduced in the Information displayed in your Client Centreplease contact us so that we may rectify the situation.

To access your Client Centre or the services offered online on some Sites, you may be asked to use a username and password. You are responsible for keeping your username and password confidential. Therefore, you acknowledge that La Capitale may not be held liable for any damage or harm arising directly or indirectly from a transaction carried out in response to a request made by someone using your username or password without authorization. If you think your username or password was lost, stolen or used without authorization, please inform La Capitale at: 

1 855 747-2233
8:00 a.m. to 9:00 p.m., Monday to Friday
9:00 a.m. to 6:00 p.m., Saturday and Sunday

Email us

By using services offered online, you acknowledge that providing your username and password may, in certain situations, be equivalent to providing your consent.  You also acknowledge that clicking on words such as “OK”, “Send” and “Accept” or checking boxes associated to such words is providing consent and binds you legally.

ONLINE HOME OR AUTO INSURANCE QUOTE

Some of our Sites allow you to obtain home or auto insurance quotes online. To make sure you take advantage of the coverage you select, you must disclose all the facts known to you which are likely to influence the setting of your premium rate, the appraisal of the risk or the decision to insure you. You must ensure that any information you provide us is accurate and up-to-date, failing which we reserve the right not to follow up on a quote request.

Any request for a quote made on a Site must be completed personally. The quote provided in response to this request is based on information that you provide and on some assumptions, when applicable. A quote is neither an acceptance of insurance nor a guarantee of insurability and does not constitute enrolment of insurance. Your home or auto insurance contract will be sent to you, based on your preferences, by mail or in electronic format.

CHATTING 

In certain situations, a chat tool will become available to you. It must be used for personal purposes only, and commercial, promotional or other use is strictly forbidden. 

Note that chat sessions are recorded; however, access to these recordings is limited to authorized personnel. By using this tool, you agree to allow a La Capitale representative to review your chat session in order to guarantee the quality of the Information and services provided.

You are prohibited from submitting, displaying or posting Personal Information during a chat session. You are also prohibited from posting or transmitting any comment or material that may be considered defamatory, obscene, illegal, aggressive or otherwise unacceptable. In such situations, La Capitale may end the chat session at any time and without prior notice. 

The content of a chat session is intended for personal use only and the distribution, reproduction, transmission, posting or recording of all or a portion of a chat session, in any format whatsoever, or a modification thereto, without La Capitale's prior consent is strictly prohibited. 

CHATBOT

The chatbot is an automated online “agent” that provides information about La Capitale’s products and services. 

To access the service, you must start a conversation with the chatbot on our Site. 

At any time, La Capitale reserves the right to change the content of the chatbot or interrupt, limit or suspend all or a portion of its features or access to it, without prior notice, namely for maintenance and updates.

You acknowledge that you must use your judgment with regard to the accuracy of the information provided by the chatbot. This information is updated frequently. Accordingly, La Capitale may not, under any circumstances, be held responsible for any consequences arising from inaccuracies in this information or from damages resulting from its use. Any Information provided by the chatbot should be validated by a La Capitale employee. 

You should not, under any circumstances, provide, share or transmit Personal Information to La Capitale through the chatbot. 

Please note that the content of a discussion between Users and the chatbot is recorded. By using this tool, you agree to allow a La Capitale representative to review your discussion with the chatbot in order to make corrections or improve the services provided.

ACCURACY OF THE INFORMATION PROVIDED ON THE SITES

La Capitale is committed to taking the measures necessary to ensure that the Information contained on these Sites is as reliable as possible; however, La Capitale cannot ensure that this Information is always accurate and current. Furthermore, La Capitale reserves the right to change the Information contained on these sites at any time and without prior notice. The use of these Sites is subject to the User's acceptance of this risk. 

FINANCIAL INFORMATION 

The listings of index holdings and investment funds, exchange rates, interest rates, and all other financial information of the same nature published on these Sites are provided for information purposes. 

This information comes from various sources and is updated frequently. Consequently, La Capitale cannot, at any time, be held responsible for any consequences arising from inaccuracies in this information or from damages resulting from the use of this information.

USE OF COOKIES AND OTHER TECHNOLOGY

La Capitale's Sites use cookies, also known as text files, which are placed on your computer. La Capitale also retains the services of specialized firms which use technologies allowing them to collect information regarding, amongst others, your browser, your device, your preferences, browsing habits on the Site, the URL address or advertisement that directed you to the Site, and your IP address.                                                                                                             

The data collected through cookies and the other above‑mentioned technologies enable us, among other things, to determine user preferences, gauge the effectiveness of our online advertising and promotions, understand your interests and needs, send you information about products and services that may be of interest to you, and optimize browsing on our Sites. 

The terms of use and privacy policies of the service providers with which La Capitale does business with the purposes mentioned in this paragraph apply to your browsing and use of La Capitale Sites.

You may disable the use of cookies by changing the appropriate settings on your browser. However, doing so may prevent you from using certain features on the Sites.

Notwithstanding the above, note that certain measures were put in place to prevent  the information collected regarding individuals in the European Union, particularly through the use of cookies, from being processed by La Capitale.

COPYRIGHT AND TRADEMARKS

All Information provided on the Sites is protected by the Copyright Act (RSC 1985, c. C-42). The redistribution, reproduction, copying, publication, storage, modification or other such use of the Information provided without the prior written authorization of La Capitale is strictly prohibited. Users of the Sites may only make personal use of this information. 

All logos, icons, graphics, illustrations, product, service and company names on the Sites are trademarks of La Capitale. Any use thereof without the written authorization of La Capitale is strictly prohibited.

LINKS TO OTHER WEBSITES

Links to other websites may be made available to you for the sole purpose of providing further information. The content on these other sites is neither reviewed nor approved by La Capitale, and is subject to its own terms of use. We recommend that you read the terms of use and policy regarding Personal Information of any website you visit. 

In consideration of the above, La Capitale may not, under any circumstances, be held liable for any damage or harm that may arise, directly or indirectly, from the use, operation or content of the websites of third parties.

LIMITATION OF LIABILITY

La Capitale may not be held liable for damage of any type whatsoever arising, directly or indirectly, from the use or operation of the Sites and the Information that they contain.

La Capitale cannot ensure that the Sites will be available, that they will meet your requirements, that access to them will not be interrupted, that there will not be delays, failures, errors, omissions or losses of information transmitted, that no virus or other contaminating or destructive element will be transmitted or that no damage will be caused to your computer system.

APPLICABLE LAWS

These terms of use for the Sites are governed and must be interpreted in accordance with the laws in effect in the province of Quebec, Canada, regardless of its provisions regarding conflicts of laws.

All rights that have not been expressly granted herein are reserved. Any provisions of these terms determined to be invalid or not applicable by law does not invalidate the other provisions, which remain in force. These terms of use constitute the entire agreement between you and La Capitale with regard to the use of the Sites, and takes precedence over all prior agreements that may have been entered into with regard to the content on this Site.