Privacy and Personal Information Protection Policy

Last updated: November 1, 2026

Due to the nature of its activities, Consilium Insurance Inc. understands the importance of protecting the personal information collected to provide the services for which it is required.

In accordance with the applicable legal framework, Consilium Insurance Inc. has implemented measures and control procedures to ensure sound governance regarding the confidentiality and protection of the personal information we hold about prospective clients, clients, partners and employees.

By providing us with your personal information, you accept the terms of this policy and authorize us to process your information in accordance with it.

Definition of Personal Information

Personal information means any information about an individual that allows that individual to be identified, directly or indirectly. Without limitation, this may include identifying information (e.g., name, address, telephone number or driver’s licence number), financial information (e.g., credit card number), medical information or employment-related information (e.g., employee records).

Consent

Consilium Insurance Inc. does not collect any information without the consent of the client, their authorized representative or the prospective client.

By providing us with your personal information, you give your consent. You therefore accept the terms of this policy and authorize us to collect, retain, use and disclose your information for the purposes for which it was collected.

Right to Withdraw Your Consent

Subject to certain limitations, you may withdraw your consent to the collection, use and disclosure of your personal information. In these circumstances, Consilium Insurance Inc. may be unable to offer you the requested product, rate or service for your insurance policy.

To withdraw your consent, write to the person responsible for the protection of personal information, whose contact details appear at the end of this policy, or contact your broker. For more information, consult the Act respecting the protection of personal information in the private sector.

Collection and Use of Information

We request only the essential information needed to respond to your request, for example, to:

• conduct a complete analysis of your coverage needs;
• provide an insurance quote for the requested product or products;
• issue an insurance policy, where applicable;
• pay for a purchased product or service.

Disclosure to Third Parties

Consilium Insurance Inc. does not sell, share, disclose to third parties or make public any personal information about its clients, except to carry out its service mandate, ensure continuity of services for its clients, comply with a court order or respond to an authorized government body.

In these circumstances, Consilium Insurance Inc. may collect or disclose information through organizations that are duly authorized or subject to the applicable regulatory framework, or through specialized service providers that have formally committed to protecting personal information. Examples include, without limitation:

• insurance brokers or claims adjusters;
• insurers, reinsurers and financial institutions, or their regulatory bodies;
• courts;
• the Fichier central des sinistres automobiles and the Société de l’assurance automobile du Québec, or the equivalent body in another province;
• agencies that analyze credit, risk and claims data;
• collection agencies;
• delivery partners;
• an internal representative or external partner responsible for information technology management or the security of personal information and data;
• legal advisers;
• cloud service providers;
• authorized payment service providers.

Cookies and Other Technologies

To improve the quality of our services and your experience on our website, Consilium Insurance Inc. may use cookies and other web analytics technologies that remember your preferences and interactions with our website. The applicable terms are described in our Terms of Use.

Retention and Destruction of Personal Information

Our firm retains your personal information to carry out its mandate on your behalf while complying with its legal obligations.

Security of Personal Information

To ensure the security and confidentiality of personal information, Consilium Insurance Inc. adopts rigorous physical and technological security measures, including:

• access controls;
• staff training;
• data encryption;
• intrusion monitoring and detection;
• disaster recovery plans.

Although we make every effort to protect your personal information, no method of transmission over the Internet or electronic storage can guarantee absolute security.

Commitment of Staff and the Firm

Every employee, supplier or partner associated with our firm contractually agrees to comply with our Privacy Policy and protect the personal information held by Consilium Insurance Inc., which is intended exclusively for our firm’s use. This commitment begins when the employee, supplier or partner starts working with us and continues indefinitely.

Data Hosting

Consilium Insurance Inc. works with various web service providers. Some may host data outside Québec or Canada. In such circumstances, the laws of other provinces or countries may apply.

Accuracy of Information

Our staff strives to keep client records accurate. You may verify and update the information in your file with our team of brokers.

Right of Access and Rectification

If your file contains inaccurate information, or if you wish to access your personal information, you may submit a written request to the person responsible for the protection of personal information. Our firm then follows this procedure:

• you make a written request for access or rectification;
• you send it to the firm’s email or mailing address;
• you receive an acknowledgement of receipt;
• your identity is verified;
• your request is processed no later than 30 days after it is received.

Quotes

To prepare a quote, service offer or insurance contract, we must analyze the needs of the individual concerned and all other individuals covered by the process. Whether the request is made by telephone, in person or online, consent must be obtained directly from every individual concerned.

Online Quotes

When you submit a quote request form through our website, you understand and agree that Consilium Insurance Inc. will:

• use your personal information to analyze your coverage needs and prepare a quote for the requested product;
• contact you by telephone, email or other means to discuss your file, provide the requested quote and, where appropriate, discuss other services offered by the firm;
• use your email address to respond to your request.

Email Communications, Subscription and Unsubscription

If you have provided us with your email address, Consilium Insurance Inc. may send you information by email. You may withdraw your consent to the use of your email address at any time by unsubscribing:

• through the unsubscribe link included in the message, where applicable;
• by contacting the person responsible for the protection of personal information.

In accordance with Canada’s Anti-Spam Legislation, you may thereby stop receiving unsolicited emails from Consilium Insurance Inc.

Call Recording

To ensure information integrity, provide training and monitor customer service quality, telephone conversations may be recorded or monitored.

Electronic Communications

Like mobile telephone communications or regular mail, Internet communications and unencrypted emails cannot be entirely secure or confidential. They may be altered, lost or intercepted. Consilium Insurance Inc. disclaims all liability for any resulting damages, regardless of the form of communication. In particular, Consilium Insurance Inc. cannot be held responsible for the loss, interception, hacking or alteration of an email sent to it.

Changes to This Policy

Because confidentiality and the protection of personal information are central to our concerns, this policy may change to reflect internal or legal developments. We encourage you to review it regularly.

Person Responsible for the Protection of Personal Information

For any questions concerning confidentiality and the protection of personal information, please contact:

Firm: Consilium Insurance Inc.
Contact: Hugo Langlois
Address: 1300-4805, boul. Lapinière, Brossard (Québec) J4Z 0G2
Telephone: 514 312-7190, extension 443
Email: hlanglois@groupeconsilium.ca