Your Consent
By using Online Services, you acknowledge that you have read and understand this Online Privacy Statement. This Statement may be changed without notice to you, so we recommend you review it regularly.
The statement supplements our Social Media Guideline, Privacy Guidelines and any other terms or agreements that may apply to your relationship with us.
Privacy and Confidentiality
You acknowledge that the Company and its advisors collects and uses personal information for purposes of providing the services contained on this site. The Company and its advisors are committed to respecting the privacy and confidentiality of information in accordance with applicable law. The Company and its advisors have established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties. Without limiting any other disclaimer herein, the Company and its advisors shall not be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. If you are provided with a user name and password to access any part of this site, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that the Company and its advisors shall not be responsible to confirm the actual identity or authority of any user. Instructions provided pursuant to such user name and password shall constitute sufficient authority to the Company and its advisors to execute any transactions directed thereunder. You agree to notify the financial security advisor immediately should the confidentiality of your user name and password be in jeopardy.
Personal Information Collected
Certain Online Services may require you to provide personal information to access the service. Such personal information (for example, your name, birthday, postal code, and email address if applicable) is used to help provide you with a secure, private and convenient experience.
For Online Services requiring you to register, your personal information may be used for:
- Identity verification: This information is used to confirm your identity when registering for access to certain Online Services. The information is matched against our existing records to allow you to register.
- Communication with Q&L Financial Services Inc. and Canada Life: If you send Q&L Financial Services Inc. or Canada Life an email through our “Contact Us” feature, we’ll use the email address you provide at registration to contact you with our reply. If your email address changes, you can always change the email address we have on record on either the “Contact Us” page, or in the “Your Profile” section of the website.
- Forgotten User Name or Password: If you forget either your user name or password, it is simple to recover them online by going through our Forgotten User Name or Password services, available from the Sign In page. To confirm your identity before showing either of these items, we match what you enter against the information collected during your registration.
What your information will not be used for:
- Marketing from Q&L Financial Services Inc. and Canada Life: You won’t receive any marketing or advertisements from Q&L Financial Services Inc. and Canada Life at the email address you provide, without your consent.
- Marketing from third parties: We’ll never sell your individual information to third parties.
Email Security
The security of e-mail communication cannot be guaranteed at this time. Any person wishing to communicate or send information of a private or confidential nature to the financial security advisor is encouraged to do so by other means.
Cookies and Web Beacons
When you visit our websites or use our apps, read, click or download information, or receive emails from us in response to your requests, your computer may be offered “cookies”. Cookies are small text files that are stored on your computer or mobile device when you visit a website. The next time you visit our website, we may use the information stored on your cookie to make your visit easier and to help us to make continual improvements so that we can update our pages to stay relevant and useful to you.
Q&L Financial Services Inc. and Canada Life uses two types of cookies: session cookies, which are temporary cookies that are erased when you close your internet browser and leave our website, and persistent cookies, that remain on your computer when you close your internet browser and leave our website. Some cookies are used to allow you to browse our website and to see certain features, while others are used to provide information on your browsing to allow us to improve our website, and for advertising-related purposes during future visits.
Cookies set by Q&L Financial Services Inc. and Canada Life are called “first party cookies”. Cookies set by parties other than us are called “third party cookies”. Third party cookies allow third party features or functionality to be provided on or through the website such as through advertising and interactive content and analytics. Q&L Financial Services Inc. and Canada Life uses first and third party cookies.
Web beacons are also referred to as “pixel tags”. They are embedded in a web page and are not usually visible to you the user. Web beacons or pixel tags are used for many of the same purposes as cookies and they allow Q&L Financial Services Inc. and Canada Life or its agents on Canada Life’s behalf to gather aggregate statistics about website usage patterns, including how many times a link or a page on a website is visited.
The type of data being collected
We gather data when you interact with our websites and apps. The data we collect includes your IP address, information about how visitors explore our websites and about the number of new and repeat visitors, the pages they visited on our website, the date and time of their visits, the length of the visits, the referral URL, and information about the device and browser used and other similar details.
We also offer location-enabled services within some of our mobile applications, such as Google Maps. If you use mobile applications, they may receive information about your actual location or information that can be used to approximate your location. You are always notified by the Geolocation Service, which you have the option to refuse.
Q&L Financial Services Inc. and Canada Life or agents on our behalf collects this information through the use of cookies and web beacons.
With whom the data is shared
We use web analytics tools on our website and mobile applications (Google Analytics and Adobe Analytics). Advertising tools are provided to us by advertising partners (like Google, Facebook, LinkedIn and Twitter) and the advertising pixel tags on our website are deployed through Adobe Tag Manager. We share the website information gathered using cookies and web beacons with these partners or other agents to analyze online activity on our website or mobile applications or in reaction to online advertisements.
The information collected by these online tracking tools doesn’t include your personal information and isn’t combined with any other information that could identify you personally, unless you have entered your access ID and password or provided it to us through your persistent cookie.
How to opt out of targeted advertising
You can choose not to allow your information to be used for targeted advertising by turning off personalized ads in the settings of Facebook, LinkedIn, or Twitter, turning off cookies, opting out of ads (Canadian users can also opt out of targeted advertising through the Digital Advertising Alliance of Canada’s website – Opens in a new window), “going incognito” or engaging private browsing on your web browser.
How to Block Cookies
You can change your browser settings to block cookies from being stored on your computer or mobile device. The ‘help’ menu of your browser should provide information on how to manage your cookie settings.
To block cookies when using the browsers on your mobile device, refer to the procedure for turning cookies on or off in the Chrome and Safari apps. Please be aware, however, that blocking cookies may prevent some pages on our website or some parts of our application from displaying correctly, and some features may not be available.
Links to other Websites
Some of our Online Services contain links to other websites that are not maintained or controlled in any way by Q&L Financial Services Inc. and Canada Life. We don’t control and are not responsible for any of these websites or their content, and as a result such links are not to be viewed as an endorsement by Q&L Financial Services Inc. and Canada Life or any other party of the products, services, advice or opinions or any other content of such websites. Links to such sites that aren’t maintained or controlled by Q&L Financial Services Inc. and Canada Life are provided for convenience only.
Legal, Copyright and Trademark Info
Use of this website is governed by the following terms and conditions. Please read these terms and conditions carefully, as by using this site you will be deemed to have agreed to them. These terms and conditions are subject to change without notice to you, so we recommend that you review them regularly. If you do not agree with these terms and conditions, do not use this site.
Availability
This site, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of London Life. Further, any or all of the services on this site may change at any time, with or without notice to you.
Copyright
This site has been developed by the Company. The contents of this site are the property of the Company and third parties whose information or materials are contained on the site. All information and materials contained on this site are protected by copyright, trademark and other intellectual property laws of Canada and other countries. Subject to the limited licence to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of the financial security advisor. Any infringement of the rights of the Company may result in appropriate legal action.
Trademarks
The Company owns or has obtained the right to use by licence or otherwise the trademarks used on or in connection with the goods and services provided. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied licence to use such trademarks.
General disclaimer
- The content of this site is provided solely for personal and educational purposes and for purposes of doing business with the Company and its advisors and is subject to modification without notice to you. While information posted on this site is believed to be reliable and accurate at the time of posting, the financial security advisor does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified or error free.
- The Company makes no express or implied representations or warranties regarding the usability or condition of this site, that this site will operate uninterrupted or error free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.
- THE Company and its advisors EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES AND CONDITIONS OF MERCHANTABLE QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, NON- INFRINGEMENT, COMPATIBILITY, TIMELINESS, SECURITY OR ACCURACY, AND ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS THAT MAY ARISE FROM A COURSE OF DEALING OR USAGE OF TRADE.
- YOU ASSUME FULL RESPONSIBILITY FOR RISK OF LOSS OF ANY NATURE WHATSOEVER RESULTING FROM YOUR USE OF THIS SITE. Without limiting the generality of the foregoing, you acknowledge and agree that none of the Company, or any of its directors, officers, employees, advisors or agents shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of the Company or for any direct, indirect, special or consequential damages, even if the financial security advisor has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
- This site contains links to other sites which sites are not maintained or controlled in any way by the Company. Such links are provided for convenience only and are not to be construed as an endorsement by the Company or any other party of the products, services, advice or opinions or any other content of such sites.
More information
For more information concerning the terms and conditions of use of this site or to request the authorization to reproduce or distribute the content of this site or any part thereof, please contact the Company.
