Privacy Policy

1. Introduction

At LMBF Assurances, protecting your personal information is a priority. We are committed to respecting your privacy and safeguarding the information we collect, use, and disclose in accordance with applicable laws in Quebec and Canada.

This Privacy Policy explains how we collect, use, disclose, retain, and protect your personal information when you:

• Visit our website
• Request a quote
• Purchase an insurance product
• Communicate with us
• Use our services

2. Privacy Officer

In accordance with Quebec’s Law 25, the person responsible for personal information protection is:

Privacy Officer
LMBF Assurances
Email: plaintes@lmbf.ca
Phone: (514) 333-4630

Any request regarding your personal information may be directed to this individual.

3. Personal Information We Collect

We collect only the information necessary to carry out our business activities.

Depending on the services requested, we may collect:

a) Identification Information

• First and last name
• Address
• Date of birth
• Telephone number
• Email address

b) Financial Information

• Banking information
• Payment information
• Credit history (with consent)

c) Insurance-Related Information

• Insurance history
• Claims history
• Information about your property (home, vehicle, business)
• Professional information
• Medical information (where required for certain products)

d) Technological Data

• IP address
• Device and browser type
• Pages visited
• Cookies and similar technologies

4. Purposes of Collection

We collect your personal information in order to:

• Assess your insurance needs
• Obtain quotes from insurers
• Issue and manage your policies
• Process claims
• Comply with legal and regulatory obligations
• Prevent fraud
• Improve our services
• Communicate with you

We do not collect personal information without a legitimate and valid reason.

5. Consent

We obtain your consent before collecting, using, or disclosing your personal information, unless otherwise permitted or required by law.

Consent may be:

• Express (signature, checkbox, recorded verbal consent)
• Implied (when reasonable in the circumstances)

You may withdraw your consent at any time, subject to legal or contractual obligations.

6. Disclosure to Third Parties

In the course of our activities, we may disclose your personal information to:

• Partner insurance companies
• Wholesalers and specialty underwriters
• Service providers (IT, hosting, CRM, marketing)
• Financial institutions
• Regulatory authorities (e.g., AMF and government bodies)
• Fraud prevention organizations

We contractually require these third parties to protect your information in accordance with applicable laws.

7. Transfers Outside Quebec

Some technology providers may host data outside Quebec or Canada.

Before any transfer, we conduct a privacy impact assessment (PIA) to ensure that your personal information will receive adequate protection.

8. Retention of Personal Information

We retain your personal information only for as long as necessary:

• To provide our services
• To comply with legal obligations
• To meet regulatory requirements

Once this period expires, the information is securely destroyed or anonymized.

9. Security Measures

We implement appropriate administrative, technical, and physical safeguards, including:

• Restricted access to personal information
• Data encryption
• Firewalls and security systems
• Internal access management policies
• Staff training

10. Privacy Incidents

In the event of a confidentiality incident presenting a serious risk of harm:

• We will notify the Commission d’accès à l’information du Québec
• We will inform affected individuals
• We will maintain an incident register

11. Your Rights

Under applicable laws, you have the right to:

• Access your personal information
• Correct inaccurate information
• Withdraw consent
• Request deletion where permitted
• File a complaint with the Commission d’accès à l’information

All requests must be submitted in writing to the designated Privacy Officer.

12. Cookies and Similar Technologies

Our website uses cookies to:

• Ensure proper website functionality
• Analyze website usage
• Improve user experience
• Measure marketing performance

You may configure your browser to refuse cookies.

13. Links to External Websites

Our website may contain links to external sites. We are not responsible for their privacy practices.

14. Policy Updates

We may update this Privacy Policy at any time. The most recent version will always be posted on our website with the updated date.

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