The Best Way Life Assurance Company and its Canadian subsidiaries are referred to as Best Way Life.
Use of our websites and mobile applications (collectively referred to as Online Services) are governed by the following Terms of use (“Terms”).
Please read these Terms carefully, as by using our Online Services, you are agreeing to them.
These Terms may change so we recommend you review them regularly.
If you disagree with these Terms, don't use our Online Services.
Certain Online Services have additional terms and conditions that apply to their use, which are provided at registration.
Limited license and use
You are granted a limited license to display the contents of the Site our Online Services and can print, download and use the materials on our Online Services only for informational and educational purposes, and for doing business with us.
You agree you won't directly or indirectly misuse our Online Services in any way, including by:
• Probing, scanning, or testing the vulnerability of any system or associated network.
• Breaching or otherwise circumventing any security or authentication measures.
• Accessing, tampering with, or using non-public or shared areas of our Online Services that you haven't been invited to.
• Interfering with, degrading the performance of, or disrupting any user, host, or network.
• Intentionally sending a virus or a corrupt file, Trojan horse or worm; or performing any other activity with the intent to overload, flood, or spam any part of the Online Services.
• Accessing or searching our Online Services by any means other than our publicly supported interfaces (for example, "scraping").
• Modifying the Online Services or any of its content.
• Sending unsolicited communications, promotions or advertisements, or spam through our Online Services or services.
• Sending altered, deceptive or false source-identifying information, including "spoofing" or "phishing."
• Abusing our Online Services in any manner.
• Providing unauthorized access to our Online Services to others or accessing our Online Services on behalf of another person without appropriate authorization.
• Using the Online Services to store or transmit content or data that is invasive of privacy, infringing, obscene, libelous, or that is otherwise unlawful or tortious, or to carry out infringing or unlawful activities.
You'll be responsible for and indemnify (reimburse) us for any costs, losses, expenses, damages, legal fees, liabilities, claims, demands, actions and settlement amounts resulting from or related to your misuse of our Online Services.
Products and services
All products and services are subject to the terms and conditions of any applicable contracts and laws.
Our products and services and those of other companies described on our Online Services are available only where they are allowed to be offered within Best Way.
Calculators, recommendations and projections
Our calculators, recommendations and projections are designed to help you set and reach your financial goals. We base them on information from you, your plan sponsor (employer/association) or advisor, if you have one, or other institution. Provide as accurate information as possible for the best results and update your information regularly.
Our Online Services aren’t intended to provide you with any personalized financial or insurance advice unless we specify.
You also have access to personal advice from one of our representatives, and you can get advice from any other appropriate professional advisor as you see fit.
Our Online Services are not intended to provide legal, accounting, tax, medical or other professional advice unless we specify.
The applicable laws of Manitoba and Best Way govern the use of our Online Services. Any legal actions arising out of the use of the Online Services must be started in either Manitoba or your province or territory of residence in Best Way.
Availability
Our Online Services, in whole or in part, may occasionally be unavailable because of maintenance, updates or other causes that may be beyond our control. Any or all of our Online Services may change at any time without notice. Best Way Life may suspend any Online Services for any reason.
Copyright
Our Online Services were developed by Best Way Life and are our property. All information and materials contained in our Online Services are protected by copyright, trademark and/or other intellectual property laws of Best Way and other countries, and are the property of their respective owner(s).
Subject to the limited license to use our Online Services, no one may copy, redistribute, reproduce or republish in any form, or link to our Online Services or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Best Way Life. Any infringement of the rights of Best Way Life may result in legal action.
Trademarks
Best Way Life owns or has obtained the right to use the trademarks, logos and domain names used on our Online Services. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved.
The display of trademarks on our Online Services shouldn't be construed as an implied license to use such trademarks.
Best Way Life, the design, and marks displayed on the Online Services followed by the TM symbol at first time of use are registered or unregistered trademarks of The Best Way Life Assurance Company or a third party. Third-party marks are used with permission or under license.
General disclaimer
We do our best to make sure all the information on our Online Services is reliable and accurate, but we can't guarantee it. If there's any difference between the information provided on or through our Online Services and the information in our records, the information in our records prevails.
Unless we specify, nothing on our Online Services forms a contract except for the use of the Online Services.
If there's any difference between the information on our Online Services and the terms of a product or service we or a third-party offer, the terms for that product or service prevail.
We always try to make sure our Online Services are working at their best, but we can't guarantee you won't experience errors, interruptions or browser issues.
We also can't guarantee communication to or from our Online Services is private, confidential or secure. We don't make and expressly disclaim any representations or warranties whatsoever relating to or arising from your use of our Online Services.
You agree neither Best Way Life nor any third party (including their employees, officers and directors) shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever attributable to your use or inability to use the Online Services for any reason whatsoever or to any action or inaction on the part of Best Way Life.
This includes any direct, indirect, special, consequential or exemplary damages, even if Best Way Life has been advised of the possibility, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
This agreement is binding on you, your heirs, executors, administrators, legal representatives, successors and assigns.
If anything in this agreement turns out to be unenforceable or invalid, the rest of it still applies.
More information
Contact us for more information about these Terms of Use for our Online Services, to request a copy of Best Way Life's Privacy policy or to request authorization to reproduce or distribute our content. If you need an alternate way to contact us
We’re committed to protecting personal information and respecting your privacy.
Our privacy policy (“policy”) explains how we handle the personal information we collect as part of our day-to-day business and lets you know about your rights when it comes to your personal information. We’ll always be clear about how and when we collect, use and share your personal information and we’ll never sell your personal information.
We may update this policy from time to time. If we do, we’ll post a notice on our website. Updates are effective on the date shown on this policy.
In this policy we refer to ourselves – The Canada Life Assurance Company and our Canadian subsidiaries – as “we”, “our” and “us”.
Our privacy officer monitors compliance with this policy.
What’s personal information?
Personal information is information that either on its own or combined with other information allows an individual to be identified. Examples include your name and address, as well as more sensitive information such as your health and financial records. When applicable, this includes information about other people such as your spouse, common-law partner, and children.
Learn more about how we collect, use, share, and protect your personal information as well as your privacy rights:
How we collect personal information
How we use personal information
How we share personal information
How we protect personal information
Your privacy rights and how to manage them
How we collect personal information
We collect your personal information in three ways – directly from you, from other people and organizations, and from your use of our websites and mobile applications.
We collect personal information directly from you throughout our relationship with you. For example, we may collect personal information through paper or online applications for products and services, on the telephone, through online chat, or through email.
Depending on the products and services you have with us, we may also collect your personal information from other people and organizations. These can include your plan sponsor, advisor, healthcare provider, medical clinic, other insurance companies, government departments and agencies, and other organizations that help us provide you with the products and services you’ve requested.
When you visit our website or use our mobile applications (collectively Online Services), we’ll also collect your personal information using cookies. Cookies make your next visit easier by storing your preferences. You can control how we collect and use your personal information by visiting our cookie consent manager.
When we collect personal information, we’ll only collect what we need and we’ll tell you why we need it.
When applicable, the personal information we collect may also include information about your spouse, common-law partner, dependants and beneficiaries. We’ll ask you to confirm their consent for us to collect and use this information, and to communicate with you about them.
Type of personal information we collect
Depending on the product or service, we may collect the following types of personal information. We’ve included some categories and examples of personal information we collect. These examples aren’t intended to be exhaustive.
Identification and contact information – such as name, address, telephone number, email address, date of birth, social insurance number (SIN) when required, information on government-issued identification
Authentication information – such as passwords, answers to authentication questions, biometric information (physical and behavioural attributes that are unique to you), product and services identifiers such as a policy number
Financial information – such as annual income, assets, liabilities, banking information, investor profile
Health or lifestyle information – such as your travel history or plans, driving record, criminal record, health habits
Medical information – such as your healthcare provider’s name, medical history for you or your family
Employment information – such as your job and where you work, your work history, compensation records
Online Services use – such as your internet protocol (IP) address (a unique identifier for each device that connects to the internet), when you visit our site, which pages you visit and for how long
We use your personal information to help you reach your mental, physical, and financial goals.
Depending on the products and services you have with us, your personal information may be used to:
Know who you are:
Verify your identity and see if you’re eligible for products, services, coverage or careers you apply for
Provide you with advice or quotes
Maintain your profile and keep accurate records
If you provided your social insurance number (SIN), we’ll use it for tax reporting. Your SIN is also used to link your products together and to keep your information separate from other customers with similar names.
Maintain our relationship with you:
Administer your products or services, including paying claims and processing transactions
Inform you about features or benefits of products or services you already have with us
Provide you with pricing and quotes for products that suit your needs
Collect feedback on our customer service, including asking you to fill out optional surveys
Collect feedback on how you use our Online Services, including asking you to set your cookie preferences
Manage your records, and administer your compensation and/or benefits
Improve our business operations, products and services – for more information, please refer to Using your personal information for data analysis
Respect the law and manage risk:
Prevent and protect you and us from criminal activity, fraud, misrepresentation, or cyber crime
Respond to requests to provide your information to law enforcement, courts, and/or other authorities inside and outside of Canada
Comply with tax requirements
Offer personalized products and services and tailor your experience when you interact with us:
Review your personal information to provide you with products and services that suit your needs
Improve your experience by providing relevant information and offers
Deliver advertisements for our products and services on websites and applications based on how you use our Online Services – for more information on how this works, refer to our Cookie Policy
Using your personal information for data analysis
We use data and analytics technologies, such as artificial intelligence (AI) to improve our business operations, products and services. For example, these technologies help us identify and automate repetitive tasks, provide competitive pricing, offer new and improved customer service options like chatbots, optimize how we manage our workflow, personalize our communications and offers, and protect our business from fraud and financial crime.
The use of these technologies involves the analysis of large amounts of information, including personal information. When we use your personal information for this purpose, wherever possible we remove parts of your information, such as your contact information, so you can’t be identified. We’ll always handle your personal information in a respectful manner.
We share your personal information with other people and organizations who help us administer your products and services. Some of these people and organizations may be located outside your province of residence or outside Canada. In that case, your information will be subject to the laws of the other jurisdiction, including any law permitting or requiring disclosure of the information to government agencies, courts, and law enforcement in that jurisdiction.
Other organizations we share your information with may include:
Paramedical examiners
Medical laboratories
MIB, LLC.
Specialty coverage providers
Claims assessors
Independent medical examiners
Pharmacy benefits managers
Travel assistance providers
Technology suppliers
Legal services providers
Creative and promotional agencies
Print and mail services
Record storage companies
Pension and benefits administrators
Other insurance and reinsurance companies
Other financial institutions
External auditors
Credit reporting agencies.
Other people we share your information with include:
Your advisor and people who work with your advisor
Healthcare providers
Plan administrator (including their service providers and advisors)
We may also share your personal information with our Canadian subsidiaries, government departments and agencies, law enforcement, courts and other authorities inside and outside of Canada to meet our legal requirements and to prevent or address criminal activity, fraud, misrepresentation or cyber crime.
Protecting personal information
We take protecting your personal information seriously. We have technical and organizational safeguards to protect personal information against loss and unauthorized access, use or disclosure.
Everyone who works at Canada Life, as well as the people and organizations who act on our behalf, are responsible for protecting personal information.
To do this, we have safeguards to protect personal information from unauthorized access. These include:
Strict access management policies
Proactive threat monitoring
Data encryption
Multi-factor authentication
24/7 monitoring of our offices
Controlled access to the buildings we operate in
An example of our strict access management policies includes limiting access to personal information to:
Canada Life employees or authorized contractors who need access to the specific personal information to do their job
Other people you have authorized (examples include a power of attorney or other personal representative or advisor)
Other people and organizations who help us administer your products and services
All employees and contractors are provided information security, privacy, and code of conduct training reinforcing the importance of protecting personal information.
How our service providers protect personal information
We make sure our service providers act in a way that’s consistent with this policy and applicable laws. They must contractually agree to comply with our standards for the protection and confidentiality of personal information, which includes protecting their systems against unauthorized access and applying security and privacy standards that match or exceed our own high standards.
Service providers can only collect, use, or disclose personal information for purposes we allow.
How long your information will be kept
We’ll only keep your information for as long as we need it, or for as long as is required by our policies and/or applicable laws. Where appropriate, we may anonymize personal information to protect it and to minimize the amount of personal information we retain.