Confidentiality Policy and Legal Notices

Terms of use

If you access and use this website (the “Website”), you agree to be bound by and comply with the terms below (the “Terms”). If you do not agree to these Terms, do not use this Website.

These Terms govern your use of this Website and may be amended, as applicable, by other terms on other pages of this Website. If there is a contradiction between the Terms on this page and those on the other pages of the Website, the latter will prevail.

All PMT ROY Assurances et services financiers inc. products listed on the Website are subject to the documents that govern them. PMT ROY Assurances et services financiers inc. reserves the right to amend and remove these products at any time without notice. If there is a contradiction between the Terms on this Website and the terms in effect in a contract between you and PMT ROY Assurances et services financiers inc. concerning one of the products listed on this Website, the latter will prevail.

The information, material and data contained in the pages on the Website (the "Information") are considered reliable at the time of their publication, but there is no guarantee that they are exact, complete or up to date at any time. Without limiting the generality of the foregoing, the Information may contain technical inaccuracies or typographical errors, and PMT ROY Assurances et services financiers inc.’s directors, senior officers, employees and agents cannot be held responsible for any damages this may cause you.

Fitness for purpose

It is important to note that not all of the products, services and Information are available throughout Canada or outside of Canada. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product (investment or other), service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. For information specific to a jurisdiction, contact your legal, tax, financial or other advisors.

Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in the pages of the Website. If you choose to access the Website, you do so on your own initiative and are responsible for complying with the applicable local, national or international laws.

Any use, transmission, reproduction or adaptation of the Information on this Website must comply with the applicable laws and regulations in effect in the relevant jurisdiction.

For informational purposes only

The Information is provided solely for informational purposes and is not intended to give you specific financial, tax, legal, accounting, investment or other advice, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your legal, tax or financial advisor(s) can help ensure that your own circumstances have been properly considered and that any action taken was based on the latest available information.

Disclaimer

PMT ROY Assurances et services financiers inc. provides the Website and the Information without any express or implied warranties as to non-infringement, completeness, accuracy, topicality, reliability and fitness for a particular purpose and accepts no responsibility in that regard. Further, PMT ROY Assurances et services financiers inc. cannot guarantee that the Website will be available and meet your requirements; that access will be uninterrupted; that there will be no delays, failures, errors or omissions or loss of transmitted information; that no viruses or other contaminating or destructive properties will be transmitted; or that no damage will occur to your computer system. You have sole responsibility for adequately protecting and backing up your data and/or equipment and taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Intellectual property

Certain names, words, titles, phrases, logos, icons, graphics, designs or other on the Website are trade names or trademarks owned by PMT ROY Assurances et services financiers inc.

Nothing in these Terms will be construed as conferring to you in any manner, whether by implication, estoppel or otherwise, any license or right, including any license or right to a copyright, patent, trademark or any other intellectual property right belonging to PMT ROY Assurances et services financiers inc.

The Information on this Website is for personal use only. Any reproduction, distribution or transmission may be a violation of intellectual property laws and could subject you to legal action.

Electronic communication

Any unprotected e-mail communication over the Internet, as with communication via other media (e.g. cellular phones, postal mail), is not secure or confidential and is subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information via this medium. PMT ROY Assurances et services financiers inc. is not responsible, and will not be liable to you or anyone else, for any damages in connection with an electronic message sent by you to PMT ROY Assurances et services financiers inc. or an electronic message sent by PMT ROY Assurances et services financiers inc. to you.

Liability waiver

PMT ROY Assurances et services financiers inc. is not responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Website or the Information, your access or use of the Website or Information or your ability or inability to access or use the Website or the Information, any action or decision made by you in reliance on the Website or the Information, any errors in or omissions of the Website or the Information, or any unauthorized use or reproduction of the Website or the Information, even if PMT ROY Assurances et services financiers inc. has been advised of the possibility of these damages.

Links and software

Links on the Website to other websites are provided solely for the convenience of users. PMT ROY Assurances et services financiers inc. assumes no responsibility in respect of these other external sites or the data they contain, or the third parties designated thereon or their products and services, as it does not check, approve or control them. Navigation to an external site is at your own risk, and PMT ROY Assurances et services financiers inc. cannot be held liable for the damage that such a link may cause. Links provided to external sites that enable users to download certain software programs are provided only for the convenience of users, and PMT ROY Assurances et services financiers inc. cannot be held responsible for difficulties or consequences associated with downloading such software. The use of any downloaded software is governed by the terms of the applicable license agreement, if any, which accompanies such software or is provided with such software.

Jurisdiction

PMT ROY Assurances et services financiers inc. administers the Website from its offices in Québec City, Quebec, Canada. The Website, the Information, the Terms and the exemption clauses on the pages are governed and interpreted according to the applicable laws of the Province of Quebec and of Canada, without giving effect to any principles of conflicts of laws, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising from the use of the Website, the Information, the Terms and the exemption clauses on the pages come under the jurisdiction of the courts of the Province of Quebec, judicial district of Québec City. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Quebec, judicial district of Québec City, to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the use of the Website, the Information, the Terms and the exemption clauses on the Website pages.

Confidentiality policy

Personal information

PMT ROY Assurances et services financiers inc. is committed to acting with honesty and integrity in all interactions with its clients. It is namely committed not to selling, transmitting or distributing information of a personal nature (including e-mail addresses) provided by the users of this Website to any external organization, advertising agency or any other third party without your prior written authorization.

PMT ROY Assurances et services financiers inc. saves the IP Internet address of the users of its Website for administrative, demographic and statistical purposes. However, PMT ROY Assurances et services financiers inc. will not try to identify you from your IP Internet address. No personal information is collected from this Website. However, non-identifiable or statistical data may be compiled for purposes of verification or to maximize the effectiveness of the Website.

Any personal information gathered by PMT ROY Assurances et services financiers inc. will be protected by Canada’s Privacy Act. User information will only be disclosed to concerned PMT ROY Assurances et services financiers inc. personnel.

If you have any questions or concerns about this Website’s Privacy Policy, contact our marketing department at 1-866-780-0808. If you are not satisfied with our response to your privacy concern, you may wish to contact the Office of the Privacy Commissioner of Canada.

Responsible for the protection of personal information:

Dominique Dufour
Director – Business Services and Solutions
Email : d.dufour@pmtroy.com
Tel : 1 833 936-8004 # 35132
Fax : 1-844-780-0707
Address :140-955 Boul. Pierre-Bertrand, Québec, QC, G1M 2E8