Legal Notice

By accessing and using this Desjardins Insurance website, you agree to be bound by the Legal Notice and to comply with the following Terms of Use. If you do not, you understand that you must not use this site.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

Copyright and trademarks

All information on this website is protected by copyright. Users may only copy its content for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this website for commercial purposes without the written authorization of Desjardins Insurance, or make public use thereof without crediting the source.

All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of Desjardins Insurance or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

Desjardins Insurance prohibits the use of its logos and registered names as hyperlinks to other websites without its prior written authorization.

Information accuracy

Desjardins Insurance believes that the information contained in this site was accurate when it was placed on the site, but cannot guarantee or ensure the currency, accuracy, completeness or authenticity of its content or each of its functions. Without limiting the foregoing, Desjardins Insurance is not responsible for the accuracy of the information contained in this site and provided by third parties. This site, along with the information contained herein, is provided for information purposes only, and is subject to change and update at any time without prior notice. All the products and services found on this site are subject to the terms and conditions of the applicable agreements governing them.

No liability

Desjardins Insurance will not be liable or responsible to any person for any harm, loss, or damage (whether arising in contract, tort, negligence, or otherwise) that may arise directly or indirectly from the use, inability to use, or malfunctioning of this site or the information contained herein, including any direct, indirect, special, third-party, or consequential damages.

No warranties

Desjardins Insurance does not warrant that the site will be available and that it will meet your requirements, nor does it warrant that access will not be interrupted, that there will be no delays, failures, errors, omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted, or that no damage will occur to your computer system.

Hypertext links to other websites and downloadable software

Links to other websites or references to products, services, or publications other than Desjardins Insurance's are provided only for your convenience and do not imply the endorsement or approval of such websites, products, services, or publications by Desjardins Insurance. Such sites and references have been developed independently of Desjardins Insurance, and we cannot vouch for the currency, accuracy, completeness, or authenticity of any site content or functionality or of any such references. Linking to any other site shall be at your sole risk, and Desjardins Insurance will not be responsible or liable for any damages in connection with any such linking. Links to downloadable software sites are provided for your convenience only, and Desjardins Insurance is not responsible or liable for any difficulties associated with downloading the software.

Jurisdiction

The site will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. In the event of any suit, action, or proceeding arising out of or in connection with this site, the courts of the province of Quebec will have exclusive jurisdiction.

Information from this site regarding Desjardins Insurance products and services is intended for use in Canada only, where such products and services may lawfully be offered for use and/or sale, and neither use nor sale is intended where prohibited by law.

Password

You assume the entire responsibility for the use of your password with or without your consent. Desjardins Insurance is not required to confirm the user's identity or authority if the user entered the right user ID and password. You must immediately advise Desjardins Insurance if someone other than you knows your user ID or password. In such event, Desjardins Insurance will block access to your personal file until you have decided to obtain a new user ID and a new password.

Glossary, search tools, calculators, tooltips and FAQ

The glossary, search tools, calculators, tooltips and FAQ are available for non-commercial use only. Use of the tools to sell a product or service or to increase traffic to a website is prohibited.

The definitions contained in the glossary and the tooltips are for reference purposes only and are intended to be general in nature. They have no contractual value and may differ from the definitions in a contract. Each insurance contract includes specific definitions of the terms used in it. Individuals must refer solely to the terms and conditions of the applicable agreement governing it to establish their rights and obligations thereunder.

Desjardins Insurance does not guarantee search tool results.

Likewise, calculations or projected results are provided for general illustrative purposes only and are not guaranteed to be accurate or complete, being based on hypotheses. The default values are provided for illustrative purposes only and solely as a reference. You must use them only as guides or estimates.

Answers in the FAQ section and those transmitted to website visitors who send in questions are for reference purposes only. They have no legal value and are not binding. Consult your representative, accountant, or lawyer, who will review the facts as they apply to you and formulate a personalized response.

Secure section – Individual network extranet

In order to access the secure section of the Individual network extranet (Webi), you need a user ID and a password. Notwithstanding the foregoing statement regarding passwords, the Individual network extranet (Webi) has its own procedure for assigning the user ID and password required to access it.

Member Services and Online Integrated Retirement Management Centre

Notwithstanding the foregoing disclaimer as to the accuracy of this site's content and its information purposes, Desjardins Insurance offers group retirement savings plan members the possibility of using the Member Services and Online Integrated Retirement Management Centre sections of the site to perform certain transactions.

In addition to the foregoing statement regarding passwords, these sections have their own procedure for assigning the user ID and password required to access them.

Email

Any unprotected email communication is subject to possible interception or loss, and is also subject to possible alteration. Desjardins Insurance is not responsible for and will not be liable to you or anyone else for damages resulting from interception, loss, or alteration in connection with an email sent by you to Desjardins Insurance or an email sent by Desjardins Insurance to you.

In the case of the Individual network extranet (Webi) for representatives of Desjardins Financial Security Independent Network and SFL Partner of Desjardins Financial Security, a webmail is integrated to the secure site. Any communications via this email has identification connecting it to the distribution network and, whether it is to be circulated internally or externally, it must be drafted in accordance with the rules and regulations which directly or indirectly govern the distribution of financial products and services and the protection of personal information, notably, the rules concerning ethical issues and the exercising of your duties as a representative. In this respect, you may not use the email placed at your disposal for illegal or reprehensible activities, notably large volumes of unsolicited material (spamming), criticisms or defamation, invasion of privacy, chain letters, pyramid schemes, etc.

Control over use

A log is kept to record events that relate to security or that warrant verification, or for statistical purposes. This log may contain all accesses to the site or its various sections, all communications sent or received by a user (in the case of email integrated in the site), as well as any other activity related to the site.

Desjardins Insurance has access to the communications sent or received through the site, and may access said communications if it has reason to believe that a law has been broken or if the site's Terms of Use have been violated.

Updating of Legal Notice and Terms of Use

This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the website, ensure that you check this notice.

Moreover, Desjardins Insurance may at any time shut down the Individual network extranet (Webi) or a user's access without prior notice.

Note: This Legal Notice also covers Desjardins Financial Security Investments Inc. (also known as SFL Investments); its affiliated companies; their officers, directors, agents, representatives and employees; and any other persons associated with the creation of this site.