Information Collection and Use
MSH International (Canada) Ltd. collects personal information when you register and purchase certain products or services with your consent.
When you purchase an insurance product or service, we will ask for your name, e-mail address, birth date, gender, postal code, occupation and other personal information. Once you register with us and sign-in to our services, you are not anonymous to us.
We collect only personal information that is needed to service your needs and we use personal information only for the purpose for which it was collected, specifically: i) to fulfill your request for certain products and services, or ii) to contact you about specials and new products should you request these communications. You may withdraw your consent to our use or retention of your personal information at any time.
Information Sharing and Disclosure
MSH International (Canada) Ltd. will not share, sell or rent your personal information to anyone.
We disclose personal information to other persons only when:
- We must use personal information to be able to provide the product or service you have requested (i.e., a claim, emergency assistance service or a refund).
- We need to send personal information to business partners who are essential to the delivery of a product or service you have purchased.
- We are required by law, regulation or for your personal safety to disclose your personal information.
- We deem that your actions on our website violate our Terms of Service or guidelines, to notify you of a violation.
Your account information including personal information is password-protected for security and privacy. In certain areas of our website, we use industry-standard SSL-encryption to protect data transmissions.
Privacy Contact Information
Do you have a complaint or privacy concern? Do you wish to check personal information we collected or update it? Do you wish to withdraw your consent for us to store your personal information? If so, please contact:
COMPLAINT EXAMINATION AND DISPUTE RESOLUTION POLICY
This policy is in compliance with the provisions set out in the Act Respecting the Distribution of Financial Products and Services (Quebec) pertaining to complaint examination and dispute resolution.
- Purpose of the policy
1.1 The purpose of this policy is to set up a free and fair procedure for examining all complaints received by us (the “firm”). It is intended, in particular, to govern the receipt of complaints, the delivery of the acknowledgement of receipt to the complainant, the creation of the complaint file, the transfer of the file to the Autorité des marchés financiers (the “AMF”) and the compilation of complaints for the purpose of preparing and filing a semi-annual report with the AMF.
- Person in charge
2.1 The person in charge of the application of the policy for the Province of Quebec is Ghada Darwish.
2.2 As the person in charge of the application of the policy for Quebec, this person shall also act as the representative with respect to the AMF. She shall train the personnel and, in particular, provide the personnel with the necessary information for compliance with this policy.
2.3 As well, the person in charge shall have the following duties:
(a) send an acknowledgement of receipt;
(b) send the file to the AMF, at the complainant’s request;
(c) keep a complaint register up to date;
(d) file a semi-annual report with the AMF.
3.1 For the purposes of the policy, a complaint is the expression of at least one of the following three elements:
(a) a reproach against the firm, one of its brokers or one of its employees;
(b) the identification of real or potential harm to a consumer;
(c) a request for remedial action.
3.2 Any first consumer communication or informal step aimed at correcting a particular problem is not a complaint, insofar as the problem is dealt with by one of the firm’s operational divisions.
- Receipt of the complaint
4.1 A consumer who wishes to file a complaint must do so in writing to the following email address resolution_canada@msh-intl-com.
4.2 A broker or an employee who receives a complaint shall immediately forward it to his immediate supervisor or to the person in charge of the application of this policy.
4.3 The person in charge shall acknowledge receipt of the complaint within 5 business days. The acknowledgement of receipt shall contain the following information:
(a) a copy of this policy;
(b) a description of the complaint;
(c) the name and contact information of the person in charge of examining the complaint;
(d) in the case of an incomplete complaint, a notice requesting additional information to which the complainant must respond within five business days, failing which the complaint will be considered to have been abandoned;
(e) a notice informing the complainant of his right to request, upon the expiry of the period of 15 business days set for obtaining all necessary information, but no later than one year following the answer to the complaint, the transfer of his file to the AMF if he is dissatisfied with the outcome of the examination of his complaint or the examination itself. The notice shall also indicate that the AMF may offer mediation if the parties agree;
(f) a notice reminding the complainant that mediation is an amicable settlement process in which a third party intercedes with the parties to assist them in reaching a satisfactory agreement.
- Creation of the complaint file
5.1 A separate file shall be created for each complaint.
5.2 The file shall contain the following:
(a) the complainant’s written complaint, including one of three elements of a complaint (reproach against the firm, its broker or employee; real or potential harm; and remedial action request);
(b) the outcome of the complaint examination process (analysis and supporting documents);
(c) a copy of the firm’s final written answer, containing reasons for the answer, as sent to the complainant.
- Complaint examination
6.1 Upon receipt of a complaint, the person identified under paragraph 4.2, his superior and the person in charge of complaints shall conduct an investigation.
6.2 The complaint shall be examined within 15 business days following receipt of all required information.
6.3 After the investigation, the person in charge shall send the complainant a final answer in writing, containing reasons for the decision.
- Transfer of the file to the AMF
7.1 If the complainant is not satisfied with the result of the examination of his complaint or with the examination itself, he may ask the firm to transfer his file to the AMF.
7.2 The complainant may exercise this right only upon the expiry of the maximum time limit of 15 business days allowed for obtaining a final answer, but without exceeding a period of one year following this answer.
7.3 The file transferred to the AMF shall include all the documents regarding the complaint.
- Creating and updating a register
8.1 A complaint register shall be established by the firm for purposes of the application of the policy. The person in charge shall be responsible for keeping the register up to date.
8.2 Any complaint that falls within the definition found in section 3 shall be recorded in the register.
- Semi-annual report
No later than one month after December 31 and June 30 of each year, the person in charge shall file a report with the AMF indicating the number and nature of complaints received in the last six months, according to categories set forth in the register.
- Notice to brokers and other employees of the firm
The person in charge shall ensure that brokers and other employees of the firm are made aware and have a copy of this policy.
- Effective date
This policy is effective as of September 22, 2020.