Privacy Policy

1. Person Responsible for Personal Information

The person responsible for the protection of personal information is James Bayard Services Financiers Inc., represented by James Bayard, financial services advisor.

2. Information We Collect

We collect only the information necessary to provide our services and to communicate with you. Depending on the situation, this may include:

• your first and last name, email address, phone number and city;
• your profile (individual, business, self-employed);
• the services that interest you (life insurance, disability, critical illness, corporate solutions, RRSP, TFSA, etc.);
• your preferred method of contact and best time to reach you;
• the message or details you choose to share with us;
• financial, family and health information required to develop a recommendation, when you consent to share it.

3. Purposes of Collection

Your personal information is used to:

• respond to your requests for information and schedule meetings;
• analyze your situation and develop tailored recommendations;
• submit applications to insurers and partner financial institutions;
• administer your contracts and follow up on your files;
• comply with legal, regulatory and anti-money-laundering obligations;
• send you relevant information about your services, with your consent.

4. Consent

By providing us with your personal information, you consent to its collection, use and disclosure for the purposes described in this policy. You may withdraw your consent at any time, subject to legal or contractual obligations that apply to us. Withdrawing your consent may make it impossible for us to continue providing certain services.

5. Sharing of Information

We do not sell or rent your personal information. We may disclose it only in the following situations:

• to insurers and financial institutions, in connection with submitting or managing your contracts;
• to service providers who assist us (web hosting, communication tools, document management), under contracts guaranteeing confidentiality;
• where required by law or to exercise our legal rights.

6. Retention and Security

Your information is kept in secure environments, accessible only to individuals who need it to perform their duties. We use reasonable technical and organizational measures to protect your data against loss, unauthorized access, disclosure or alteration.

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with our legal obligations, and to manage our client relationships.

7. Your Rights

In accordance with Québec and Canadian legislation, you have the right to:

• access your personal information;
• request its correction or update;
• withdraw your consent to certain uses;
• request the deletion of your information, subject to legal retention obligations.

To exercise these rights, contact us using the information provided in Section 1. We will process your request within the timeframe provided by law.

8. Cookies and Similar Technologies

The site may use cookies and analytics technologies to improve the browsing experience, measure traffic and fix technical issues. These tools do not collect information that directly identifies you without your consent. You may configure your browser to refuse cookies.

9. External Links

The site may contain links to third-party platforms, including Facebook and LinkedIn. We are not responsible for the privacy policies of these platforms and encourage you to review them directly.

10. Changes

We may update this privacy policy at any time. The version in effect is indicated at the top of the page. We encourage you to review it regularly.