Privacy Policy

This Internet Website Privacy Policy (this "Privacy Policy") governs your access and use of the website located at www.aqgroupsolutions.com. AQ Group Solutions ("AQ") owns and operates the services located at www.aqgroupsolutions.com (the "Site").

IT IS IMPORTANT THAT YOU CAREFULLY READ THE FOLLOWING.

1. Acceptance of Terms

   By accessing and continuing to use the Site, and by providing certain Personal Information (as hereinafter defined) to AQ through the Site, you are indicating your acceptance to be bound by the terms and conditions of this Privacy Policy. If you do not accept these terms and conditions, please do not access or use the Site, or provide Personal Information through the Site.

2. Modifications and Notices

   AQ may revise this Privacy Policy, at any time, by updating this posting. AQ may provide notice to our users of such revisions by means of a general notice on the Site. Continued use of the Site after such revisions are posted will signify your agreement to these revised terms. Therefore, you should visit this page periodically to review this Privacy Policy.

3. AQ Respects Your Privacy

   AQ is committed to protecting the privacy of all of our users to the Site and maintaining the integrity of any personally identifiable information ("Personal Information") that we collect, use, retain or disclose via the Site. The purpose of this Privacy Policy is to inform you about how and why we collect Personal Information on the Site, to outline the steps we take to safeguard your Personal Information, and to provide you with AQ contact information should you have any questions or concerns about our privacy practices.

4. General Information

   The Site provides information intended to promote AQ's products and services. Our Internet servers may passively and automatically collect certain information about website visitors’ traffic patterns, which may be linked to their Internet Protocol (IP) addresses (which are unique Internet “addresses” assigned to all Internet users by their Internet Service Providers). Server logs may record statistical information, such as visitors’ IP addresses, type of operating systems, time and duration of visit, pages requested, and identify categories of visitors by items such as domains and browser types. These statistics are generally collected and used on an aggregate basis. Links to Third Party Websites: The Site contains links to other websites that are provided as a convenience only, and which may have different privacy policies and practices than AQ. AQ has no responsibility for such third party websites, and you are advised to review the privacy policies of any third party websites you choose to visit.

5. Why does AQ collect your Personal Information?

   AQ has long valued its privacy practices and management of personal information it collects from its clients. In the course of operating the Site, AQ has collected and collects Personal Information from individuals for the following purposes:
   • to provide group employee benefit consulting, group retirement consulting, pension administration, benefits administration & benefit outsourcing services, health & disability management, individual financial planning as well as group and individual life insurance;
   • to establish and provide ongoing services;
   • to understand AQ's clients' needs;
   • to manage and develop AQ's business and operations;
   • to develop, enhance, market and provide services to AQ's clients;
   • to meet legal and regulatory requirements, including to protect or defend a legal interest, and a connection with an actual or possible AQ corporate reorganization, merger, amalgamation with another entity, or an actual or possible sale of all or a substantial portion of the assets of AQ, provided that the Personal Information disclosed continues to be used by the entity acquiring the Personal Information either for evaluation of the possible transaction, or, on completion of any transaction, for the purposes permitted by this Privacy Policy and any related privacy policies and procedures that may be introduced and/or amended from time-to-time; or
   • to carry out any other purpose that a AQ client has authorized or that is required or permitted by law.
   Further reference in this Privacy Policy to "Identified Purposes" means the reasons set forth above.

6. Does AQ disclose your Personal Information?

   AQ does not disclose Personal Information to third parties for purposes other than those for which it was collected, except with your consent or as required or permitted by law. In situations where we disclose Personal Information in accordance with this Privacy Policy to third parties, we do not disclose more information than is required and, where it is reasonable and practical to do so, enter privacy agreements with third parties with whom we disclose Personal Information.

7. How does AQ safeguard your Personal Information?

   AQ protects Personal Information against such risks as loss, theft, unauthorized access, disclosure, copying, use, modification or destruction, through appropriate security measures. AQ protects Personal Information regardless of the format in which it is held. All employees of AQ with access to Personal Information are required as a condition of employment or engagement to respect the confidentiality of Personal Information and obligations set forth in this Privacy Policy.

8. Your Consent/Verifying and Amending Personal Information

   You may withdraw your consent for AQ to manage your Personal Information in a particular way, subject to legal or contractual restrictions and reasonable notice. However, this may limit our ability to provide you with certain services and/or products. You may contact AQ for more information regarding the implications of withdrawing consent. You can typically access and review your Personal Information held by AQ and make appropriate changes to it by contacting AQ. You may be required to put your request in writing and show us identification. The reason we ask for identification is to ensure that, among other things, we do not unintentionally change or release your Personal Information to a third party who is representing him/her as you. For more information regarding this Privacy Policy, please contact the AQ Group Solution Privacy Officer at:
   • AQ Group Solutions
   • Attention: Privacy Officer
   • Unit 208, 1 Wesley Avenue
   • Winnipeg, Manitoba, Canada R3C 4C6
   • Phone: (204) 989-2006
   • Fax: (204) 989-2009
   • E-mail: privacyofficer@aqgroupsolutions.com
   You may update or make changes to your Personal Information maintained by us by calling the address above. In addition, you may request access to, or correction of, your Personal Information by writing or e-mailing to AQ at the addresses provided above.

9. Resolving Your Concerns

   If you would like more information about AQ’s privacy practices including a copy of the AQ Group Solutions Privacy Code, or if you would like to better understand and verify what Personal Information we have collected about you, please contact the AQ Group Solutions Privacy Officer. Please let us know about your questions or concerns and we will do our best to help you.