This organization isn't available in the province you selected.
Do you want to continue?
The Alert section of this Policy applies to you only if you joined the Alert program in April 2022 or before. If you joined the Alert program in May 2022 or after, see the Alert Program Privacy Policy.
Last update: May 23, 2024
We are committed to respecting our clients' right to privacy. That’s why we take the protection and confidentiality of personal information you entrust us with very seriously.
This policy applies to users of The Personal mobile application (the “Application”). It includes information about how your personal information is managed and protected when you download the Application and use its features, which include Ajusto®, AlertTM, RadarTM, Insurance, Digital Proof of Auto Insurance and Photo-Based Estimate (the “Features”).
We answer the following questions for each of the Features:
Also, when you use the Application, information about you may be stored in cookies installed on your device. Some cookies are needed to use our Application, while others are used to optimize and personalize the content you see.
By agreeing to the conditions of use for each of the Features and by using the Application, you agree to the collection, use and disclosure of your information in accordance with the applicable sections of this policy.
We/us/our means The Personal.
Personal information means any information pertaining to a specific individual which, alone or in combination with other information, can be used to identify that individual.
You/your means any individual who has downloaded the Application.
This policy should be read in conjunction with the terms and conditions specific to the Ajusto, Alert, Photo-Based Estimate and Radar Features. You can view these terms and conditions in the “Profile” section of the Application.
We are responsible for the personal information we hold, and have put rigorous security measures in place to ensure the confidentiality of that information.
We collect only the information required for the purposes specified in this policy. We obtain personal information primarily from you but may also obtain it from external sources with your consent and within the limits authorized by law. We may also collect personal information through our service providers.
We will not use or disclose your personal information for purposes other than those for which it was collected, except with your consent or as may be required or permitted by law.
We may be required to disclose your personal information to external sources in accordance with legal and applicable regulatory requirements or generally accepted insurance practices.
We store your personal information in a secure and confidential manner for as long as it's required for us to meet our legal obligations. Once the retention period has expired, we ensure that your personal information is safely disposed of or de-identified. While deletion is a final and irreversible disposal process, de-identification means that your personal information is altered so that it can no longer directly or indirectly identify you. Once the retention period has expired, we ensure that your personal information is safely disposed of or de-identified. While deletion is a final and irreversible disposal process, de-identification means that your personal information is altered so that it can no longer directly or indirectly identify you.
Deletion and de-identification are carried out in a safe and secure manner, in accordance with applicable best practices.
We can retain the services of external service providers to administer certain components of the Application’s Features. If we need to send personal information about you to these providers, we ensure that appropriate contractual or other means are in place to provide rigorous security measures. In addition, we only send information that is necessary for providing services, and we ensure that such information is only used in accordance with this policy and the terms and conditions of the Features.
We may share personal information about you with external service providers located outside Canada or who store your information outside Canada. In that event, your personal information is subject to the laws of that country and therefore, may be accessible by the authorities of that country.
We have appropriate safeguards in place to protect your personal information against loss or theft, and against unauthorized access, disclosure, copying, use or modification. Personal information contained in your file is accessible only to individuals authorized and qualified to access such information, and only when such access is required in the course of their duties.
Please refer to the following sections of The Personal Privacy Policy, which apply to the Application with any necessary adjustments:
Once you have downloaded the Application, we ask you to provide us with personal information such as your first name, last name, province, email address, cell phone number and insurance policy number in order to create your account and validate your identity.
Your email address and cell phone number are used to send you notifications about the Application’s Features. You can choose not to receive notifications from the Application at any time by changing your Communication preferences under Account settings in the “Profile” section of the Application.
To find out more about the personal information collected when you activate the Features, refer to the following sections:
We ask for your date of birth to validate the activation of the Ajusto Feature.
We also ask for authorization to access your geolocation, which is needed to use Ajusto during the first collection period (180 days and 1,000 km travelled) and the following ones.
When Ajusto is activated, the following personal information is collected about the enrolled driver (the “Ajusto Data”):
This information will be used to obtain the following driving trip information:
We're also requesting your authorization to access your physical activity data so we can more accurately detect when trips in a moving vehicle start and end. As a result, we'll be able to tell those trips apart from times when you might be walking or riding a bike, for example. This authorization is not mandatory, and you can still use Ajusto without sharing any physical activity data.
We reserve the right to request that your Ajusto Data be updated as specified in the Ajusto program terms and conditions.
The Ajusto Data is used to calculate your driving score, which is linked to the personalization of your car insurance premium, based on your driving behaviour and habits.
Peripheral Ajusto Data (e.g., movements on foot or trips of less than 1 km) is only used to improve the accuracy of the Ajusto Feature.
Ajusto Data could also be used for research and development purposes and to improve our fraud prevention practices.
Ajusto Data will not be used to cancel your insurance policy or to refuse to renew your policy.
We retain the services of external service providers primarily to activate the Ajusto Feature and to analyze Ajusto Data. Your information will only be used for the purposes specified in the previous section. Refer to the “Privacy principles” section for more information about our information disclosure practices.
When you activate the Alert Feature and your detector, we ask you to register the location where the detector is installed.
The following information is then collected by the detector (the “Alert Data”):
The Alert Data is primarily used to generate alerts and prevention messages. It may also be used to improve the performance of the detection system. Some of the data collected when you enrol in the program (mailing address, first and last name) will be used to send you the detector.
We retain the services of external service providers to supply detectors and to analyze the Alert Data. Your information will only be used for the purposes specified in the previous section. Refer to the “Privacy principles” section for more information about our information disclosure practices.
When you use the Photo-Based Estimate (PBE) Feature, the following information is collected (the “PBE Data”):
In order to use the Feature, you must grant access to your device’s camera. We will only have access to photos taken using the Feature, unless you save these photos on your device. By choosing to save the photos, you grant the Feature access to your photo files, but only the photos taken using the Feature will be collected and used.
The PBE Data is used to estimate the damage and process your claim. The data could also be used for research and development purposes to improve the accuracy of our estimates.
We retain the services of service providers, such as body shops, and we send them the PBE Data and the information required to estimate the damage to your vehicle and to process your claim. Your information will only be used for the purposes specified in the previous section. Refer to the “Privacy principles” section for more information about our information disclosure practices.
To use the Radar Feature and get alerts about severe weather that could cause damage to your home, vehicle or property, you need to register the addresses you want to receive alerts for. To register your addresses more easily, you can authorize the Feature to access your geolocation. You may disable the Application’s geolocation service at any time from your mobile device settings.
The addresses you have registered are converted to geolocation data (longitude and latitude). This data is only used to send you severe weather alerts and prevention tips for the weather events you have selected.
We retain the services of external service providers and we send them the geolocation data for the locations selected for weather alerts. Your information will only be used for the purposes specified in the previous section. Refer to the “Privacy principles” section for more information about our information disclosure practices.
When you access the Insurance section, your email address and password are collected to authenticate you. You are then redirected to the Online Services section of our website. Refer to The Personal Privacy Policy and the Conditions of use section of our website for more information about how your personal information is managed and protected when you use our Online Services.
No additional personal information is collected when using the Digital Proof of Auto Insurance (DPAI) Feature.
When using DPAI, the following information is used exclusively to display DPAI in the Application (the “DPAI Data”):
When using DPAI through the Application, the DPAI data is not shared with any third party.
By adding DPAI to your Apple Wallet, you accept to share the DPAI Data to these external providers. Please refer to Apple’s Privacy policy for more information on how they use your personal information. This feature is not available yet for Android users.
Your personal information will only be used for the purposes specified in the previous section. Refer to the "Privacy principles" section for more information about our information disclosure practices.
Your consent is required for the collection, use or disclosure of your personal information by us, except where not required or permitted by law. When you voluntarily provide certain personal information to us, you are also giving your implied consent for us to collect, use and disclose that personal information in compliance with this policy.
In addition, by downloading the Application, activating and using any of its Features and accepting their specific terms and conditions, you agree to the collection, use and disclosure of your information in accordance with the applicable sections of this policy.
Downloading the Application and using each of the Features is entirely voluntary. If you do not agree with any part of the practices for managing and protecting your personal information or with any part of the terms and conditions, do not activate or use the Feature in question.
You may withdraw your consent to the collection, use and disclosure of your personal information at any time by terminating your participation in the Features, subject to legal or contractual obligations which must be fulfilled by us. For more information on terminating your participation, refer to the terms and conditions specific to each Feature or contact us.
When you use our Application or visit our website, information about you may be stored in cookies that we or third parties install on your computer or device.
To learn more about cookies and other mobile and web measurement tools we use, how we use them and how you can make choices about these tools, refer to How we use cookies and other tools.
We may amend this Management and Protection of Personal Information Policy at any time. To find out when this policy was last updated, refer to the date of the “Last update” set out at the beginning of this policy. Your use of the Application and its Features will be considered as acceptance of these modifications.
Ajusto® is a registered trademark of Desjardins General Insurance Inc., used under licence. The Ajusto program is offered in Quebec, Ontario and Alberta only.
AlertTM and RadarTM are trademarks of Desjardins General Insurance Group Inc., used under licence.