AGA Benefit Solutions (hereinafter AGA) is committed to respecting your privacy, because we appreciate the importance of the confidentiality and security of your personal information. This is why we adopted a privacy policy (hereinafter the Policy) and implemented controls to protect your personal information. This Policy applies to information collected by us through our website at www.aga.ca (hereinafter Website), through our Administrators portal, Members portal and online enrollment portal (hereinafter Portals) and in the course of our communications with you in any manner whatsoever.  
This Policy sets out the information we collect, how it is used by us, under what circumstances we may disclose it, and the steps we take to secure it.

INFORMATION WE COLLECT

a. Management of Personal Records

 As broker and administrator of group insurance and group annuity plans, we are required to collect and maintain the personal information we need to manage your file. The information collected may include your last name, first name, personal addresses, email address, date of birth, marital status, gender, telephone number, salary, employer, occupation, banking information and dependents.

b. Electronic Subscriptions and Communication Requests

Moreover, for the purpose of forwarding you, by email or by phone, informative and educational materials on our service offering, we collect limited business and personal information.
 We collect information through this Website on various information gathering forms for the purpose of sending you, upon request, electronic newsletters and other email communications on our products and services, or for the purpose of contacting you upon request.

Our contact information page asks for the following information: first and last name, email address, company and title (hereinafter the Page). From this Page, you can also select one or more subscription options based on your interests. This information helps us provide you with the appropriate promotional information based on your selected interests.

c. Cookies

This Website and our Portals use cookies, which are small bits of information that are stored by your web browser on your computer when you visit our Website or Portals.
We use persistent cookies to enable us to remember your information and settings when you visit our Website or Portals in the future. This provides you with faster and more convenient access. Various Website features made possible by persistent cookies include language selection, team selection, menu preferences, internal Website bookmarks or favorites. By using our Website or Portals, you consent to the use of cookies and other similar technologies. You may generally disable cookies in your web browser, however, each web browser is different.

HOW WE USE YOUR INFORMATION

a. Management of Personal Records

As broker and administrator of your group insurance or retirement plan, AGA uses your personal information to adequately manage your file and your claims.

b. Electronic Subscriptions and Communication Requests

AGA uses your information to offer and provide you with electronic newsletters and email communications to advise you on the management of your benefits.
To accomplish the aforementioned purpose, we may combine personal and non-personal information we collect online with information received in person, including information from third parties. We may, with your express consent, transfer or disclose your information.

WAYS WE MAY SHARE YOUR INFORMATION OUTSIDE AGA

Unless you consent, we will not share your personal information with third parties for marketing purposes.
 We may disclose your information as follows:

a. Service Providers and Suppliers

We may provide your information to third parties who provide services as part of your group insurance or annuity contract. These parties may use the information solely in conjunction with the specific services they provide to you.
Your information may be stored and processed by our service providers or suppliers in the United States or other locations where the service providers or suppliers maintain facilities and therefore your information might not benefit from the same confidentiality and security as in the jurisdiction in which it was collected. Our service providers and suppliers are not allowed to use or disclose personal information for any purpose other than providing the services or supplies on our behalf.
We take contractual and other measures to protect this information in accordance with this Policy. 

 

b. Legal Requirements and Protection of our Company and Others
We may be required to disclose your information and/or information concerning your activities as a user of the Website when required by subpoena or other legal process, or if we have reason to believe that disclosure is necessary to:
  • investigate, prevent or take action regarding suspected or actual illegal activities or at the request of regulatory law enforcement agencies;
  • enforce this Policy, investigate and defend ourselves against any third-party claims or allegations, or protect the security or integrity of our Website; or
  • exercise or protect the property and other rights or personal safety of AGA, our users, employees or others.

c. Business Transfers

We may also disclose your information, regardless of the manner with which we collected it, to a third party as part of a reorganization or a sale of the assets of AGA or one of the members of its group of companies or one of its divisions. Any third party to which such assets are sold will have the right to continue to use the information that you provided to us, provided that we comply with applicable privacy legislation governing such disclosures.

d. Aggregate Information

We may, without restriction, disclose aggregated and anonymous information concerning our users and information that does not identify any individual or disclose personal information.

e. Children and Minors

We do not knowingly collect personal information from children under the age of 13. Children may not use the Website, and it is forbidden for children under the age of 13 to submit any personal information through the Website.

INFORMATION SECURITY

We strive to implement administrative, technical and physical safeguards that will protect the information we collect from you on the Website or otherwise. However, there are no guarantees that information cannot or will not be accessed, disclosed, altered or destroyed by breach of any of our administrative, technical or physical controls.

YOUR RIGHTS OF ACCESS, RECTIFICATION AND DESTRUCTION

You may request a copy of the information we hold on you by writing us at the address listed below. You also have the right to request the rectification of inaccurate information and the right to request deletion of information no longer needed for the purpose for which it was collected.

CHANGES TO THIS POLICY

We may update this Policy at any time, with or without advance notice. By using our Website, you consent to any such changes.
If you have questions or comments about this Policy, please contact us by email at: conformite@aga.ca
Or by mail:
Compliance Officer – AGA Benefit Solutions
2200 – 3500, de Maisonneuve Blvd. West,
Westmount, QC H3Z 3C1