Terms of use

Definitions

«Beneva» designates Beneva Inc. as well as its subsidiaries, including La Capitale Civil Service Insurer Inc. and SSQ, Life Insurance Company Inc.

“Information” refers to information, documents and content appearing on the Site pages.

“Site(s)” refers to the Beneva website.

“User(s)”, “you” and “yours” refers to persons who access or use the Site.

Notice

By using the Site, you acknowledge having read, understood and agreed to the terms of use herein. Otherwise, please do not access the Site.

Beneva reserves the right to modify these terms of use at any time and without notice. Please familiarize yourself with them on a regular basis since you are bound by the terms of use in effect at the time you are using one of the Site.

Social media netiquette

Netiquette refers to the general rules or conventions of correct or polite behaviour in online contexts, and more specifically, in social media. See our statement regarding Social Media Netiquette.

Accuracy of the information provided on the site

Beneva is committed to taking the measures necessary to ensure that the Information contained on the Site is as reliable as possible; however, Beneva cannot ensure that this Information is always accurate and current. Furthermore, Beneva reserves the right to change the Information contained on the site at any time and without prior notice. The use of the Site is subject to the User's acceptance of this risk.

Use of cookies and other technology

Beneva Site use cookies, also known as text files, which are placed on your computer. Beneva also retains the services of specialized firms which use technologies allowing them to collect information regarding, amongst others, your browser, your device, your preferences, browsing habits on the Site, the URL address or advertisement that directed you to the Site, and your IP address.

The data collected through cookies and the other above-mentioned technologies enable us, among other things, to determine user preferences, gauge the effectiveness of our online advertising and promotions, understand your interests and needs, send you information about products and services that may be of interest to you, and optimize browsing on our Site.

The terms of use and privacy policies of the service providers with which Beneva does business with the purposes mentioned in this paragraph apply to your browsing and use of Beneva Site.

You may disable the use of cookies by changing the appropriate settings on your browser. However, doing so may prevent you from using certain features on the Site.

Notwithstanding the above, note that certain measures were put in place to prevent the information collected regarding individuals in the European Union, particularly through the use of cookies, from being processed by Beneva.

Copyright and trademarks

All Information provided on the Site is protected by the Copyright Act (RSC 1985, c. C-42). The redistribution, reproduction, copying, publication, storage, modification or other such use of the Information provided without the prior written authorization of Beneva is strictly prohibited. Users of the Site may only make personal use of this information.

All logos, icons, graphics, illustrations, product, service and company names on the Site are trademarks of Beneva. Any use thereof without the written authorization of Beneva is strictly prohibited.

Limitation of liability

Beneva may not be held liable for damage of any type whatsoever arising, directly or indirectly, from the use or operation of the Site and the Information that it contains.

Beneva cannot ensure that the Site will be available, that it will meet your requirements, that access to it will not be interrupted, that there will not be delays, failures, errors, omissions or losses of information transmitted, that no virus or other contaminating or destructive element will be transmitted or that no damage will be caused to your computer system.

Applicable laws

These terms of use for the Site are governed and must be interpreted in accordance with the laws in effect in the province of Quebec, Canada, regardless of its provisions regarding conflicts of laws.

All rights that have not been expressly granted herein are reserved. Any provisions of these terms determined to be invalid or not applicable by law does not invalidate the other provisions, which remain in force. These terms of use constitute the entire agreement between you and Beneva with regard to the use of the Site, and takes precedence over all prior agreements that may have been entered into with regard to the content on this Site.