Conditions of use and legal notice

All products and services of The Personal Insurance Company (hereinafter “The Personal”) are subject to the terms of the applicable agreements governing their use.

Conditions of Use

By using this site, you acknowledge having read, understood and accepted the following conditions. If you do not accept one or more of these conditions, do not continue to use or access this Web site. You also acknowledge and agree that any claim relative to this site and its content, or arising from its use, is subject to the laws of the province in which you access this Web site and the laws of Canada applicable therein.

You submit and attorn to the exclusive jurisdiction of the courts of such province to finally adjudicate or determine any suits, actions or proceedings arising from or in connection with the use of this Web site.

Protection of personal information

At The Personal, an important part of our commitment to provide you with service excellence is our respect for your privacy.

In order for us to provide you with general insurance products and services, we will be collecting personal information from you and from other external sources, including other property and casualty insurers, public and private sector underwriting or claims information databases, and credit reporting agencies. By proceeding with an online quote, you give us consent to collect, use and disclose this personal information as reasonably required for that purpose.

To get access to your personal information or to obtain a copy of our Privacy Code, contact us.

Secured Transactions

You can access secured transactions related to the insurance policies you bought from The Personal. The general insurance operations carried out in the secured mode are protected; however, while we use the best security measures available, there is always a risk that your information may be disclosed through no fault on our part.

Any transaction pertaining to general insurance carried out with the online services offered on the Internet by The Personal is recognized as being performed by the actual policyholder; it is therefore up to you to make sure that you are the only person who knows your user ID and password.

When performing an operation related to your general insurance, we recommend that you carefully read the directives relative to the processing of your application.

If you believe that an error has occurred in the information concerning your general insurance policies, please contact us.

Transmitting Material to Us

The Personal is not responsible for any damages resulting from the interception, loss of, or modification of any email you have sent.

We would like to remind you that information sent by email is not secure. We recommend that you take care to not include confidential information, such as your policy number, personal information, etc., when sending email.

Email address

We are committed to maintaining the confidentiality of your email address and not using it inappropriately. Email addresses collected may be used for the purpose of emailing you information about our products and services or to communicate with you information about your insurance or any offers likely to interest you. They may be shared in an encrypted fashion with third party ad servers in order to allow for the identification of similar or customized audiences and for the purpose of providing you with advertisements that are suitable for you according to your interests and profile. This sharing in an encrypted fashion does not allow the third party ad servers to identify the email addresses. External service providers include advertising networks, publishers and social media platforms. You may disable customized advertising functions by adjusting your settings on the websites of the third party ad servers.

You have the right to be removed from our mailing list at any time by contacting us or by using the unsubscription hyperlink at the bottom of our electronic communications.

Site Content

This site is intended to inform our clients and the public concerning our products and services. The information it contains is subject to the conditions of the relevant contracts. Please refer to your insurance policies to learn about the exact extent of your coverage, limits, deductibles, conditions, and limitations that specifically apply to you.

We go to great lengths to keep the information on this site updated; however, we cannot guarantee its completeness, accuracy, or correctness at all times. When in doubt or to advise us of an inaccuracy, you should contact us.

Other Sites

This site provides links to other sites for informational purposes only. It does not constitute an endorsement on our part nor do we sanction the information they contain.

Disclaimer and limitations of liability

The Personal and its directors, employees and representatives are not responsible for losses and damages directly or indirectly incurred from using this site and the unauthorized reproduction or utilization of the information provided on this site, including special, consequential, and incidental damages from outside or third parties.

We are also not responsible for damages incurred from actions taken based on information provided on this site, as well as damages resulting from the disclosure of personal or confidential information we have received by email.

Finally, we do not guarantee the availability or the functionality of the site. We do not guarantee that the information provided on this site will meet any specific need, that the elements that can be used after copying or downloading will be error-free, will not cause technical or other problems, nor will these errors or problems be corrected, that this site or any other Web site to which it is linked does not have computer viruses, Trojan horses, or any other potential hazardous element.

Copyrights and trademarks

The information available on this site is protected by Canadian copyright laws. It is prohibited to copy, reproduce, publish, or distribute, in part or in whole, the content of this site, except for non-commercial or personal use. In such a case, you must mention its source and ensure that the elements that have been reproduced were not altered in any way.

Our written authorization must be obtained prior to any other use of the material contained on this site. To do so, please contact us.

The Personal is the owner of trademarks relative to certain products and services mentioned in this site, whether in the form of names, images, logos, or icons. These trademarks are protected by Canadian laws.