Privacy Statement

We protect your personal information

Protecting you is serious business. So is protecting your personal information. Here at La Capitale, we are committed to protecting the confidentiality of your personal information and handling it in a manner that respects the law as well as your privacy.

To do this, 4 principles guide us:

We limit ourselves to the essential
By collecting, using and disclosing only what is necessary.

We are transparent
With you, throughout our relationship. 

We get your consent
Before we collect, use or disclose your personal information.

We protect the confidentiality of your information
With robust security measures.

Who is covered by our privacy statement

The rules described here apply to any individual whose personal information we process in the course of our activities. We continue to apply them even when the objectives for collecting, using or communicating personal information are achieved.

Here are some examples of situations where this statement applies to you.

2. How we collect your personal information

From whom

We may collect personal information from various sources:

• You, when you interact with us
• Other individuals or organizations. For example: your employer, credit reporting agencies, health care professionals, government agencies as well as public and private databases that may have information about you.
• Individuals who hold a product or service, such as the primary insured of an insurance policy. Before providing us with your personal information, these individuals must obtain your consent to the collection, use and communication of your personal information.

In what ways

We may collect your personal information in a number of ways. For example :

• In person
• Through our forms and digital interfaces 
• By using technologies that can identify you, locate you or establish your profile, such as cookies (for more details, consult our page on the use of cookies). For example, our electronic applications and online quote tools have features that help us decide if we can insure you, determine the best coverage for you, and determine the cost of your insurance. These features are necessary to evaluate your request and offer you a fair price. They are activated when you initiate a process that uses this type of technology. 
• By using statistical models that can create or infer new information from your personal information. For example, we can create a unique La Capitale identifier or a consumer profile. 

3. What personal information we collect? 

We limit ourselves to the essential. We collect the personal information necessary for the objectives listed in this section.

We consider "personal information" to be any information about you that identifies you, directly or indirectly (for example, by linking it to other information).

Here are some examples of what we can collect, use or disclose.

4 Why we collect, use and disclose your personal information

Your personal information allows us to provide you with our products and services, and to meet our legal obligations. We can also use it to provide you with a personalized experience, if you consent.
 
We do our best to make sure your personal information is accurate, complete and up to date when we use it. We count on your cooperation to inform us when this information changes.

The objectives for which we collect, use, retain, and disclose your personal information are as follows.

5. We always obtain your consent, unless the law allows us to do otherwise

5.1 When we obtain your consent

We ask for your consent before we collect, use or disclose your personal information.

In some cases, we can assume that we have your consent, or the law allows us not to obtain it. (See section 5.4.)

5.2 How we obtain your consent

We may ask for your consent in a number of ways:

• In writing
• Verbally
• By telephone, including by an automated message
• Electronically or digitally

5.3 The duration and scope of your consent

Your consent is valid for the time necessary to achieve the objectives we requested it for. It then remains valid to fulfill our retention obligations described in the law and in our retention schedules.

Your consent is valid only for the purposes that we’ve indicated If we wish to collect, use or disclose your personal information for any other purpose, we will ask for your consent again, except as described in the following section.

5.4 Situations when we won’t ask for your consent

We can use your personal information without your consent if the law allows us to do so, for example if the use is to your advantage or if it is consistent with the purpose for which we collected your personal information.

We may also use or disclose your personal information without your consent  to meet our legal obligations. For example:

• To comply with an order of a court or other body
• To prevent or detect fraud
• As part of an investigation

6. We may disclose your personal information to other individuals and organizations

6.1 To whom we can disclose your personal information

We may disclose your personal information to our affiliates and other individuals or organizations, if necessary to achieve the objectives listed in this section.

Here are some examples:

• Other financial institutions, such as insurers and reinsurers
• Employers
• Service providers related to a claim, such as health care facilities and professionals or auto repair shops
• Government agencies or regulatory authorities
• Websites and applications owned by other individuals and organizations
• Companies that provide technology, reprography or document shipping services
• Organizations that hold information about insurance, fraud or compensation, such as credit reporting agencies, the Groupement des assureurs automobiles, the Société d’assurance automobile du Québec, the Fichier central des sinistres automobiles or other municipal or land registers.

6.2 We can disclose personal information outside Canada

We usually keep your personal information in Quebec or Canada.

However, we sometimes use suppliers based elsewhere. We may therefore disclose your personal information to another country or province. It is then subject to the laws of that country or province. We require suppliers to have adequate security measures in place before communicating personal information to them.

7. How we protect your personal information

7.1 We limit access to your personal information

Only those who need to access your personal information in order to perform their duties can do so. They only have access to the information necessary to achieve the objectives listed in this section. This is true both for our team members and for our external suppliers and partners.

7.2 We implement place robust security measures 

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

7.3 We destroy your personal information after fulfilling our obligations

We keep your personal information for as long as necessary to achieve the objectives listed in this section. Even if you no longer do business with us, we generally have to keep it for a certain period of time to comply with our business rules and legal obligations. We have put in place retention schedules to clearly define those limits. 

Once the retention period has passed, we permanently destroy your personal information.

8. Your rights

8.1 Modify your consent

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

Consent to do business with us 

This consent allows us to offer you our products and services and to give you access to the best price. 

If you withdraw your consent, we may no longer be able to offer you our products and services. We may also have retain certain personal information in order to meet our legal and contractual obligations.

Consent to receive personalized offers and advice 

You may withdraw your consent at any time by calling 1 844 781-0860.

8.2 Accessing and correcting your personal information

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

• access it
• correct or update it
• receive a copy of it in a commonly used, structured technological format (for example, a PDF file)
• if information is publicly shared, to stop sharing it (for example, to remove a post related to a contest from our social media channels)

Here are the steps for processing a request:

• You must send a detailed written request to our Chief Privacy Officer. Their contact information is at the end of this section.
• We will process your request within 30 days of receiving it. We will inform you if you have to pay a transcription, reproduction or transmission fee.
• You will receive our response in writing.

Please note that you also have the right to request to de-index or re-index a hyperlink attached to your name (make it accessible or inaccessible via a search engine) under certain conditions.   

8.3 Being informed if an automated decision is made

We will inform you if we make an automated decision about you. In some cases, we use your personal information to make a decision without anyone on our team intervening. For example, we process certain group insurance claims and individual insurance applications in this way. We can also determine if we can insure you and set a price in this way.

You have the right, for instance, to ask for the main reasons for an automated decision or to present your observations to a member of our team.

9. A question, a comment?

Our Chief Privacy Officer stands on guard. This person ensures that we follow the rules outlined in this section and in the law. To contact our Privacy Officer, please write to us at privacy@beneva.ca or at :

Privacy Officer
La Capitale Financial Security Insurance Company - MISSISSAUGA, ON
7150 Derrycrest Drive
Mississauga ON L5W 0E5

Legal notes

1. "La Capitale" refers to La Capitale Financial Security Insurance Company, as well as any other corporation under the control of Beneva Inc.

2. Statistical models are mathematical formulas built from data and include simple formulas like averages, and more complex algorithms. To build them, we use as much deidentified information as possible, which does not identify anyone directly. For example, these models help us suggest personalized offers and advice on our products and services.