Advisor Centre
December 14, 2018
Group Insurance Group Insurance

Terms and Conditions of Use Applicable to the Transactions Carried Out through the Advisor Centre

The following terms and conditions govern the use of the transactional options of the Advisor Centre. Please read them carefully. The Advisor Centre is made available to you subject to your unconditional acceptance of the terms and conditions of use contained herein. By accepting the terms of use and subsequently carrying out transactions through this system, you agree to be bound by these terms and conditions as well as the terms and conditions of the Electronic Communications Policy for Industrial Alliance Agents.

In addition to these terms and conditions, the terms and conditions of your contract(s) entered into with iA Financial Group (Industrial Alliance Insurance and Financial Services Inc.) and the commission and bonus schedules and remuneration rules apply to all transactions carried out through the Advisor Centre.

The Advisor Centre is also subject to the conditions outlined in the legal notice on iA Financial Group's website.

Security
Access Code and Password
Transactions
Personal Information
Termination
Copyrights and Trademarks
Amendment of Terms and Conditions of Use
Experience-enhancing technologies used on the Advisor Centre
Third-party monitoring and surveillance tools
Applicable Legislation
Support


Security
iA Financial Group is committed to protecting the security of the transactions carried out through the Advisor Centre. Therefore, to carry out a transaction through this system, your browser must use a 128-bit encryption feature. Encryption is a means of scrambling information for transmission. 128-bit encryption is the most secure form of encryption currently available in Internet browsers on the market in North America today. Since you are already on the Advisor Centre, your browser is equipped with a 128-bit encryption feature.

 

Access Code and Password
You acknowledge that from a legal standpoint, the combined use of your access code, whether it is your personalized access code or any other username (hereinafter “access code”), and of your password constitutes a mark equivalent to your signature and is a valid expression of your consent. You assume the entire responsibility for the confidentiality of your access code and password and are responsible for making sure that they are not revealed under any circumstances.

As iA Financial Group is not responsible for checking the real identity or authority of the individuals who use your access code and password, you assume the entire responsibility for all activities and transactions undertaken using your access code and password. Hence, you are bound by any use of your access code and password, including unauthorized use made by other persons, without your knowledge or consent, for which you will be responsible.

If iA Financial Group acts on instructions from you or someone using your access code and password authorized by you or not, then you agree to indemnify iA Financial Group for any losses, liability or expenses which may arise as a result of iA Financial Group's compliance with such instructions.

If an unauthorized person learns your access code and password or if any other breach of confidentiality is brought to your attention, you must immediately notify the iA Financial Group Help Centre by email at the address indicated below, or by any other means.

 

Transactions
Transactions may be carried out over the Advisor Centre. To carry out a transaction through the Advisor Centre, you must respect the legal and regulatory requirements applicable for the sale of insurance and annuity products that are in force in the region of Canada that has jurisdiction with respect to said transaction. The Advisor Centre can be used to offer products and services only in Canada and only to Canadian residents; certain products may not be available in all regions of Canada.

You acknowledge the legal value of transactions carried out through the Advisor Centre, the fact that they produce legal effects and that they constitute proof that you are the originator of these transactions.

Therefore, you acknowledge that iA Financial Group shall not in any way be held responsible for losses or damages, which may arise directly or indirectly from a transaction carried out in accordance with a request made by a person using your access code and password. You also acknowledge and warrant that all the transaction instructions that you submit are in accordance with your clients' requests and agree to indemnify iA Financial Group for any loss, liability or expense which may arise as a result of the non-compliance of such instructions with your clients' requests.

In the event of a difference for a same transaction between the paper form sent to the Head Office and its electronic version submitted to iA Financial Group through the Advisor Centre, you expressly acknowledge that the electronic version and the instructions it contains take precedence over the paper transaction form and that the terms of processing the transaction are dictated under the terms and conditions of this legal notice.

Transaction date - Group Pensions 
Transaction requests received by iA Financial Group's Group Pensions Department before 2:00 p.m. (Eastern Time) on a business day are processed on the same day. Other transaction requests received by iA Financial Group's Group Pensions Department are processed on the following business day. For the purposes hereof, business days are days on which iA Financial Group is open for business.

Transaction date - Individual Annuities 
The effective date of each Individual Annuities transaction shall be determined according to iA Financial Group's administrative rules and requirements in effect at the time that the transaction is submitted.These administrative rules and requirements are described in the Individual Annuities Policies and Procedures Guide, as well as in the help file specific to the application used to submit the transaction and may be modified from time to time by iA Financial Group.

 

Personal Information
For iA Financial Group, questions pertaining to the confidentiality and protection of personal information are of the utmost importance. iA Financial Group therefore undertakes to respect the confidentiality of your personal information and, considering current technology, it has taken all reasonable measures to do so.

For your part, you agree to respect the confidential nature of personal information that may be available on the Advisor Centre concerning third parties. You also agree not to disclose to any third parties, without the required authorization, any privileged information (company secrets, client lists, etc.) any other information concerning employees, management personnel, suppliers, clients or other representatives of iA Financial Group.

Considering the current state of technology, iA Financial Group cannot fully guarantee the confidentiality of information transmitted over the Internet or the time taken to transmit such information. Accordingly, you acknowledge that iA Financial Group and its suppliers shall not be held responsible for losses or damages which may arise directly or indirectly from a breach of the confidentiality of information transmitted over the Internet or a delay in the transmission of such information to iA Financial Group.

iA Financial Group will make every reasonable effort for the Advisor Centre to be accessible. However, and without limitation, iA Financial Group will not be liable to you or others for any loss including any failure to obtain a profit, costs or damages which you or your clients may incur if access to the Advisor Centre is not available or is delayed for any cause.

 

Termination 
iA Financial Group may terminate your access to the Advisor Centre at any time, in whole or in part. For your part, if you no longer wish to access the Advisor Centre, you may notify the iA Financial Group Help Centre by email at the address indicated below, or by any other means.

 

Copyrights and Trademarks 
The contents of this site are protected by the copyright legislation in force in Canada. Copying, reproducing, publishing or distributing any of the information found in this site, in whole or in part, is strictly forbidden. Visitors to this site shall be entitled to copy, print or download such information for their own non-commercial personal use. They must then acknowledge the source and make sure that the information has not been modified in any manner.

The prior written consent of iA Financial Group is required for any other use, failing which iA Financial Group shall take appropriate legal action.

iA Financial Group and member companies of iA Financial Group own the trademarks used on or in connection with the products and services which they provide, whether they be in the form of names, graphs, logos, icons, designs, words, titles or phrases. These trademarks are protected by Canadian trademark legislation.

 

Amendment of Terms and Conditions of Use 
iA Financial Group may at any time amend the terms and conditions of use applicable to the transactions requested through the Advisor Centre and it shall then notify you by posting such amendment on the iA Financial Group website. You are required to consult such terms and conditions regularly. The fact of carrying out transactions through the Advisor Centre means that you accept such terms and conditions of use, as they may have been amended.

 

Experience-enhancing technologies used on the Advisor Centre
In order to improve the performance and functionality of the Advisor Centre, we use tools that allow content to be displayed from external platforms. With these tools, not only can hosted content be viewed on external platforms directly from the Advisor Centre, it can also interact with them. If such a tool is installed, site traffic data can be collected for the pages for which the tool is installed, even if visitors don’t use it. Please find below a list of the tools that we use so that content may be displayed from external platforms:

      
  • Google Maps API
    Google Maps is an online mapping service provided by Google Inc. that allows the Advisor Centre to incorporate this type of content on its pages and in its applications. The only personal data that Google Maps API collects are cookies and website usage. We invite you to consult the Google privacy policy at http://www.google.it/intl/en/policies/privacy/
  • Google Places API
    Google Places is an online service to get the location of local businesses provided by Google Inc. that allows the Advisor Centre to incorporate this type of content on its pages and in its applications. The only personal data that Google Places API collects are cookies and website usage. We invite you to consult the Google privacy policy at http://www.google.it/intl/en/policies/privacy/

Third-party monitoring and surveillance tools
We employ monitoring and surveillance tools managed by third parties in order to improve the performance and functionality of the Advisor Centre. These tools gather only non-personal information pertaining to your use of the Advisor Centre. However, please note that these tools are designed and maintained by third parties that are not under our control. For this reason, we shall not be held liable for neither the type of information collected by these third parties nor for the manner in which they use and protect it. Please find below the third-party monitoring and surveillance tools that we use:

      
  • Adobe Analytics
    Adobe Analytics is a web data analysis tool provided by Adobe Systems Inc. The only personal data that Adobe Analytics collects are cookies and information relevant to site use. We invite you to consult the Adobe privacy policy at http://www.adobe.com/privacy.html    
  • Google Analytics
    Google Analytics is a web analytics and reporting tool provided by Google Inc. (“Google”). Google uses the collected data to monitor and analyze the use of the Advisor Centre, to prepare activity reports and to share them with other Google services. Google can use the data gathered to define the context and personalize advertising from its own advertising network. We invite you to consult the Google privacy policy at http://www.google.com/intl/en/policies/privacy/. You may deactivate this tool by clicking on the following address: http://tools.google.com/dlpage/gaoptout?hl=en

Applicable Legislation 
By accessing the Advisor Centre, you acknowledge and agree that the Advisor Centre must be interpreted and evaluated in accordance with the laws of the province where the Head Office of iA Financial Group is located. You hereby agree and confirm that the use you will make of the Advisor Centre and all related communications, transmissions, operations and transactions shall be carried out only in the province(s) for which you have the right and the authority to conduct such transactions.

You acknowledge that you are subject to the exclusive competence of the courts of the province and district where the Head Office of iA Financial Group is located in the event that any litigation may arise following the use of the Advisor Centre.

 

Support 
In the event of a problem or for any additional information, please contact us by email or by any other means, at the following address:

Help Centre 
Business hours: Monday to Friday, 8:30 a.m. to 7:00 p.m. (Eastern Time) 
iA Financial Group 
1080 Grande Allée Ouest 
PO Box 1907, Station Terminus 
Quebec City, QC  G1K 7M3

Toll-free: 1 888 610-5101 
Fax: 418 688-0705 
Email: interface@inalco.com

 

Anti-Money Laundering (CLHIA) 

Anti-Money Laundering (CLHIA)