Terms of Use and Privacy Policy

1. Purpose of the service

Bilan Express collects information in order to prepare a preliminary financial profile, identify certain items that may warrant attention, and facilitate follow-up with an authorized representative.

The form and any automated document generated from it do not, on their own, constitute financial, tax or legal advice, or a personalized recommendation for an insurance product.

2. Information collected

Depending on the answers you provide, Unicio may collect information including your contact details, family and employment situation, financial information, insurance coverage, goals, and certain health-related information.

Please provide only information that is accurate, relevant and necessary for the requested analysis.

3. Consent and protection of personal information

Personal information is handled in accordance with the laws applicable in Quebec, including the Act respecting the protection of personal information in the private sector (CQLR, c. P-39.1), as modernized by Law 25. The requested consent relates to specific purposes and is presented separately from the rest of the form.

The information is used to prepare your file, produce the preliminary analysis, provide the requested follow-up, communicate with you, and comply with applicable legal or regulatory obligations.

4. Financial services regulatory framework

Where an activity relates to insurance or another regulated activity, it is subject to the rules applicable in Quebec, including the Act respecting the distribution of financial products and services (CQLR, c. D-9.2) and the requirements of the Autorité des marchés financiers.

Any insurance recommendation or advice must, where applicable, be validated and provided by a representative duly authorized in the relevant discipline.

5. Access, use and disclosure

Access to your information is limited to the people and service providers who need it to provide the service or support its operation. Unicio must not use or disclose your information for purposes that are incompatible with those stated, except with your consent or where permitted by law.

6. Security and retention

Reasonable administrative, technical and organizational measures are applied to protect information against unauthorized access, use, disclosure, loss or modification. Information is retained only for the period required for the stated purposes and applicable legal obligations.

7. Your rights

You may request access to your personal information, request a correction, or, where permitted by law, withdraw your consent. To exercise these rights or ask a privacy-related question, use Unicio's official contact information published on unicio.ca.

8. Acceptance

By checking the consent box in the form, you confirm that you have read these terms, understand the purposes for which your information will be processed, and consent to its use in accordance with these terms.