Terms of Use

SSQ, Life Insurance Company Inc.

The ssq.ca website belongs to SSQ, Life Insurance Company Inc. It describes the activities, products and services of SSQ, Life Insurance Company Inc. as well as those of its associated and related companies.

For the purposes of these terms of use, "SSQ" means SSQ, Life Insurance Company Inc. except when one of its companies is expressly mentioned.

Acceptance

The information and material on this website are for information purposes only. Use of the website is subject to these terms of use and applicable laws. Consultation of the ssq.ca website does not allow you access to the transactional sites, notably the secure sections.

SSQ pledges to protect your personal information which you will provide in compliance with its statement on the Privacy page. Please read this page for a description of our commitments regarding the collection, communication and use of your personal information.

Changes to conditions

SSQ may without prior notice change or otherwise update the conditions applicable to this website and you consent to these conditions when you access the website.

Accuracy of information

SSQ is committed to taking the necessary measures to ensure that the information on the website is as reliable as possible. However, SSQ cannot guarantee the accuracy of the information at all times. By agreeing to these terms, you acknowledge that SSQ does not guarantee the accuracy of the information found on the ssq.ca website and is not responsible for the inaccuracy of the information.

Username and password

These terms of use also apply to the websites requiring registration, such as the transactional and secure sites. By creating your username and password when you register, you agree to respect the application of the terms of use for the ssq.ca website and the transactional and secure webiste for which you are signing up.

By carrying out transactions, you accept that the use of your username and password constitutes your legal signature and that it is your responsibility to keep these confidential. SSQ is not responsible for verifying the true identity of the person using your username and password. Users agree to promptly inform SSQ of any unauthorized use of their username and password.

You also acknowledge that SSQ is not responsible, in any manner whatsoever, for losses or damage that may result directly or indirectly from a transaction carried out in accordance with a request submitted from someone using your username and password.

Cookies and pixels tags

Cookies and pixel tags are used to personalize your browsing experience, measure the effectiveness of advertising, publish targeted messages, and collect information on visitor behaviour. SSQ uses cookies and pixel tags, which are stored on your hard drive or track certain source values in the analytics. Cookies and pixel tags are not harmful as they cannot extract personal or other information from your hard drive, over which you maintain full control. You may set your browser to reject cookies. However, this may affect your ability to access and use certain elements of the site.

External links

For your convenience, different links to other websites are at your disposal. SSQ does not however endorse nor is responsible for the content of these websites, nor for any changes that are made to them as they are subject to their own terms of use and confidentiality policies. As a result, SSQ shall not be held liable for any damages resulting directly or indirectly from the use of these links and cannot guarantee that these websites are free of viruses or other problems that may affect their use.

Responsibility

SSQ shall in no way be held liable for any damages whatsoever, resulting directly or indirectly from the use or operation of this website and cannot guarantee that the site or the mobile applications will be available at all times.

The information and material on the website are not intended to provide specific advice of a technical, financial, fiscal, legal, business or other nature applicable to your situation but intended as information of a general nature related to SSQ's activities, products and services. We encourage you to consult an SSQ agent and discuss how the information and other items on the site can apply to you and, together with the agent, assess your particular situation

SSQ does not claim nor guarantee that the information and material you access on the website or via the website are exempt from errors, defects, viruses or other damaging components.

SSQ reserves the right to interrupt the operation or distribution of the website in whole or in part at its discretion without prior notice. SSQ does not assume responsibility for any damage or inconvenience caused by said interruption.

Confidentiality and personal information

As we consider it important to protect your privacy, SSQ has implemented a personal information protection policy to provide itself and its associated and related companies with guidelines in compliance with the law and the most stringent ethics and integrity standards.

For security reasons, all personal information submitted through this website is encrypted to prevent interception and pirating. If you do not wish to provide personal information, you can still access most of the SSQ website, except the areas that require registration.

Emails however are not secure and you acknowledge that you assume all risks related to its use.

Intellectual property

The information and material available on this website are protected by copyright and trademark laws. It is strictly forbidden to copy, reproduce, publish, distribute or to use them in part or in whole without written authorization from SSQ. Visitors to the website may use the information or data provided strictly for personal purposes.

The names of products, services and companies appearing on the website are trademarks of SSQ and its associated or related companies. No trademark, verbal or figurative, no logo, graphic image, sound or image may be reproduced or retransmitted without written authorization from SSQ.

Third party damage

As a user of the ssq.ca website, you consent to not knowingly or otherwise introduce any information or material that may cause damage to others, and to not knowingly or otherwise include errors or defects which may be libelous or slander, obscene, promote hate or otherwise give rise to a criminal offence or civil liability on the part of any person or entity.

Applicable legislation

The ssq.ca website is controlled and operated by SSQ in Quebec City, Quebec, and the present conditions are governed by the laws of the province of Quebec and Canada, without reference to the principles of conflicts of laws. You agree to be bound by these conditions and by the applicable laws and to comply with the courts of the city of Quebec with regard to the interpretation and application of these terms of use.

Rights reserved

All rights that were not explicitly set out in this legal notice are reserved.