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Legal notes

In accessing Promutuel websites, the user accepts and agrees to respect the following conditions as well as those mentioned in the Confidentiality and Security section.

Description of Promutuel

The term " Promutuel " designates the Groupe Promutuel Federation of general insurance mutual associations, the General Insurance Mutual Association members of Groupe Promutuel as well as subsidiary companies, notably, Promutuel Capital, société de fiducie inc.(trust company inc.)

Usage and Contents of Promutuel Websites

Le masculin est utilisé de façon générique dans les sites Internet de Promutuel dans le seul but d'alléger la lecture du texte. Il désigne à la fois les hommes et les femmes.

The information available on Promutuel websites is precise and accurate, to the author's knowledge, at the time of the writing. However, it is presented in an indicative manner only and can be modified at any time without notice. It does not constitute explicit advice in the financial, accounting, taxation or legal sectors and should not be interpreted as such.

As for all of its websites, the use of Promutuel sites is done at the user's risk. Promutuel cannot in any way be held responsible for damages suffered following the use of one of its sites. Promutuel is not responsible in any way for eventual use of information found within. Promutuel does not make any statement or give any guarantee to the effect that the sites do not carry any mistakes, defects or viruses and that its use will not be interrupted.

Links to other sites are offered for utilitarian purposes only and do not serve to endorse any products, services or information presented on the site of a third party. Promutuel does not exert control over representations made by a third party linked by hypertext or by other means to one of the websites and does not endorse these representations.

Products and Services Presented on the Promutuel Websites

The products and services that are presented on Promutuel websites can vary according to each mutual. Therefore the information provided on the sites does not commit all the mutuals to offer the complete line of products and services.

All products and services are subjected to the clauses and conditions of the governing contracts. In the event of a difference between the information published in the Promutuel sites and the contracts, the information specified in the latter prevails.

The contents of these sites can in no way be taken as a formal offer of products and services. Consultation of the sites and even the transmission of an application does not link the user with Promutuel.

Some conditions can apply when obtaining a product or a service. The transmission of an application form is therefore subject to approval by Promutuel. As well, the products and services may have been modified from the time of their publication on the sites.

To have more information about a particular product or service or to find out if it is offered in your area, please contact your Mutual.

The products and services presented on Promutuel sites are intended for residents of the province of Quebec only or for those owning assets therein.

Rights of Ownership

The formatting and contents of these websites, including the graphics, texts, abbreviations, drawings, emblems, logos, pictograms, slogans, signs or any other works are protected by canadian and quebecois laws applicable in matters of intellectual ownership and rights of ownership. The unauthorized use of these contents can violate the Copyright Law and the Law on Company Trademarks.

The user of these sites cannot modify, copy, print, distribute, transmit, broadcast, reproduce, publish, or fax the contents of these sites without having obtained a formal authorization from Promutuel. The user has the right to copy, print, transmit or fax any of the information for personal and non-commercial purposes providing that the source is mentioned and the information is not modified in any way.

Any other reproduction, publication, download, redistribution, broadcast or modification in whole or in part of the contents violates the laws protecting intellectual ownership and rights of ownership and renders the user liable to legal proceedings.