As the situation in Ukraine evolves, businesses should be mindful of potential risks to their people, assets, operations, or supply chains in the region and globally. Marsh, as part of the Marsh McLennan family of companies, has created a page with information, tools, and resources related to the Russia-Ukraine conflict. Please visit the page for the latest information.
Effective Date: September 21, 2023
Marsh McLennan Agency | Vézina assurances inc. (“we,” “‘us,” “our”) believes strongly in protecting the privacy and the confidentiality of the information that identifies or relates to an identifiable individual (“Personal Information” or “Personal Data”) that we collect, use, disclose, store, and transmit (“process”) in the course of providing insurance and risk advisory services, consulting and other services or solutions (the “Services”). This Privacy Notice is intended to inform you of the ways in which we collect, use, and disclose personal information, and sets forth your rights.
This Privacy Notice is subject to change at any time. If we make changes to this Privacy Notice, we will update the “Effective Date” at the top of this page and post it on our websites, applications or tools (“Sites.”)
Our contractual commitments to clients will supersede any terms in this Privacy Notice. In some instances our Services may be subject to additional privacy notices or related disclosure. In the event of a conflict or inconsistency between this Privacy Notice and any service-specific privacy notice or related disclosure, the latter shall prevail.
The types of personal information we collect will vary depending on the nature of our relationship with our clients, such as the type of product or service we provide and the type of Site being accessed. Our goal is to limit the personal information that we collect to that which will allow us to fulfill our intended business purposes. Failure to provide us with information may prohibit us from delivering requested services.
Generally, we may collect and process the following types of personal information about individuals and, if required for the services provided, their dependents or beneficiaries under an employer, association, group or benefit program sponsor:
Information Provided by You, Your Representatives or Third Parties
We may collect information from you, your representatives, your employer, association, group or benefit program/plan sponsor, and/or third parties that have roles in delivering services to our clients.
You might provide personal information when you visit a Site; apply or request a quote for insurance coverage; enroll in an association, group, or employer benefits program; communicate with us or our service providers through email, chat and instant messenger; speak to one of our representatives by phone or in a call center; enroll in events, or marketing or business development activities, or send mail to our office. In addition, we may collect information from vetting and data validation agencies and other professional advisory service providers in connection with our marketing or business development activities.
Third parties, including insurance companies, recordkeepers, plan administrators and service providers, brokers or agents, credit agencies, financial institutions, and government agencies or persons acting on behalf of such parties, may disclose your personal information to us. Your employer or program/plan sponsor or someone acting on their behalf, or claimants, may also provide us with information about you in connection with our services. In the event we receive from and process your personal information in accordance with instructions from our clients and other third parties, we encourage you to review such third party’s privacy notice to understand the full scope of how your personal information will be handled.
If you supply us with personal information about other people, you represent that you have the authority to provide this information on their behalf and have obtained their consent where necessary. In these instances, you further represent that the individuals to whom this information relates have been informed of the information in this Privacy Notice and understand the reason(s) for obtaining the information, the manner in which this information will be used and disclosed, and have consented to such use and disclosure.
Collection by Automated Means
Collection by Third Parties
We may use the personal information received from you or your broker, insurance carrier, employer or association, group or benefit program/plan sponsor to:
We may also process de-identified information that is not reasonably likely to identify you for commercially legitimate and lawful business purposes.
We may need to disclose your personal information in order to deliver the insurance and consulting products or services requested by you or your employer, or association, group or benefit sponsor, and/or to administer our Sites. We may disclose this information:
Our company has a dedicated Chief Information Security Officer (CISO) who is responsible for managing a Global Information Security team and a comprehensive cybersecurity program. As part of such program, we have implemented commercially reasonable physical, administrative, and technical safeguards in an effort to protect your personal information from unauthorized access, use, alteration and deletion. These safeguards may vary depending on the sensitivity, format, location, amount, distribution and storage of the personal information, and include measures designed to keep personal information protected from unauthorized access.
Our cybersecurity program has policies and procedures for risk assessments to identify and assess cyber risks, as well as technical controls and processes to detect, respond to and recover from cybersecurity events.
As effective as our cybersecurity program is, no security system is impenetrable. We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.
You may have some or all of the following rights in relation to the personal information we collect about or from you, depending on the jurisdiction and our reason for processing your information:
If you wish to exercise any of the above rights or opt out of marketing communications, please Complete this Form.
For your protection, we will need to validate the identity of anyone making a request relating to your personal information. We will respond to your request within a period of time required under law unless it is reasonably necessary for us to extend our response time.
There are circumstances in which we will transfer your personal information out of the country, province or territory in which it was collected for the purposes of carrying out the services we provide to you. Where the need for such a transfer arises, we will take steps to ensure that there are appropriate safeguards in place to protect your personal information such as an impact assessment, appropriate contractual protections, or an adequacy decision by the appropriate supervisory authority.
Calls and Text Messages
In some instances, your employer or association, group or benefit program sponsor may request services that require us to contact you via telephone calls or text. By accepting the terms of this Privacy Notice and providing us with your contact information, you consent to receive automated calls and texts, as well as emails and/or standard mail, from us including but not limited to information regarding your policy, account, benefits, relationship with us, and other products or services offered through us and/or your employer or program sponsor. Consent is not a condition of any purchase or to obtain a quote. Message and data rates may apply. If you wish to withdraw your consent in the future, follow the prompts described in the call or text or contact us as described below.
We do not knowingly collect personal information directly from children under 14. If we learn that we have collected any personal information from a child under the age of 14 without verifiable parental consent, we will delete that information from our files as quickly as possible. If you believe that we may have collected information from a child under 14, please contact us at the email address provided below.
To submit questions or requests regarding this Privacy Notice or our privacy practices, please email us at email@example.com
If you would prefer to contact us by post, please contact our privacy office using the following contact details:
Chief Compliance Officer, Canada
Marsh McLennan Agency | Vézina assurances inc.
4374, avenue Pierre-De Coubertin
Montréal, Québec H1V 1A6
If we are unable to resolve an enquiry or a complaint, individuals may have a right to contact the applicable supervisory or regulatory authority. For more information about how to contact your supervisory or regulatory authority, please email us at firstname.lastname@example.org.