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Privacy
Policy
DISCLAMER
THIS WEBSITE IS NOT OWNED BY DESJARDINS INSURANCE OR SFL PLACEMENTS, CABINET OF FINANCIAL SERVICES. SFL PLACEMENTS CONTROLS THE INFORMATION CONTAINED ON THIS WEBSITE THROUGH INFORMATION PROVIDED TO IT IN ACCORDANCE WITH ITS POLICIES AND PROCEDURES. SFL PLACEMENTS IS NOT RESPONSIBLE FOR THE CONTENT OF THIS WEBSITE THAT IS NOT RELATED TO THE PRODUCTS FOR WHICH IT IS REGISTERED AND IS ALSO NOT RESPONSIBLE FOR MONITORING OR SUPERVISING THE PROFESSIONAL ACTIVITIES OF ITS REPRESENTATIVES.
REQUIRED NOTICES
The website www.phenixgf.ca is a service of:
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Phenix Financial Group, which is a business name of the company 9437-5128 QUÉBEC INC. Registered with the Autorité des marchés financiers under registration number 606790.
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2540 bl. Daniel-Johnson, suite 710 Laval (Quebec) H7T 2S3
The present general terms of use have the purpose of legally regulating the terms of making the services of the site available and their use by the "User".
The general terms of use must be accepted by any User wishing to access the site. They constitute the contract between the website www.phenixgf.ca and the User. The User's access to the site means their acceptance of these general terms of use. In the event of non-acceptance of the conditions of use stipulated in this contract, the User must refrain from accessing the services offered by the site. The site reserves the right to unilaterally and at any time modify the content of these general terms of use.
DEFINITIONS
The present clause has the purpose of defining the different essential terms of the contract:
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User: this term refers to any person who uses the site or one of the services offered by the site.
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User Content: this refers to the data transmitted by the User within the site..
Hosting
The host of the site is Wix, a North American company among the best, whose equipment is reliable and the service is of quality. The site is secured with the use of a valid private SSL certificate from a reputable provider.
GENERAL TERMS OF USE
This website has been optimized for the current versions of Mozilla Firefox, Internet Explorer, Edge, Google Chrome, and Safari browsers.
The website www.phenixgf.ca is, in principle, accessible to users 24/7, except for interruptions, planned or unplanned, for maintenance purposes or due to force majeure. In the event of an inability to access the service, Phenix Groupe Financier undertakes to do its best to restore access to the service and will then endeavor to inform users of the dates and times of the intervention. Being subject only to a duty of means, Phenix Financial Group or one of its shareholders or employees cannot be held responsible for any damage, of any nature, resulting from the unavailability of the service.
The website allows the User free access to the following services:
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Articles and informative videos.
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The website is freely accessible from any location to any User who has access to the Internet. All costs incurred by the User to access the service (computer hardware, software, internet connection, etc.) are at their own expense. The information contained in this website is intended only for residents of Quebec, Canada.
MODALITÉS D’UTILISATION
Phenix Financial Group operates the Site from its offices located in Canada. Phenix Financial Group makes no representation that elements of the Site may be used in other locations outside of Canada and it is prohibited to access the Site from territories where the legislation would require that the content or use of the Site is illegal. Those who choose to use the Site do so at their own initiative and it is their responsibility to comply with all applicable local laws. Any claim related to the Site and its contents or arising from the use of the Site is governed by the laws applicable in the province of Quebec.
LIABILITY
Phenix Financial Group strives to provide as accurate information as possible and the sources of information disseminated on the site are considered reliable. However, the site cannot be held responsible for omissions, inaccuracies and deficiencies in updating, whether on its own or from the third-party partners who provide it with this information. The information given on the site is purely for informational purposes. As such, the User assumes sole responsibility for the use of the information and contents of this site.
The Website does not provide accounting, tax, or legal advice. The content of the Site is purely informational and is not intended to replace a professional advice directly with a financial advisor. Always seek the advice of your financial advisor after reading information on the Site to verify how it may apply to your particular situation!
It is at your own risk that you rely on any information provided by the Site, our employees, individuals invited by Phenix Financial Group to appear on the Site, or any other visitor of the Site.
Hyperlinks and third-party references: Many outgoing hyperlinks are present on the site, however, the web pages where these links lead do not engage the responsibility of those who do not have control of Mon Plan Financier Inc. of these links.
The User therefore prohibits engaging the site's responsibility regarding the content and resources related to these outgoing hyperlinks.
COMPLAINTS
Summary of the Complaint Handling Procedure
Phenix Financial Group takes customer concerns seriously and when a customer has concerns or questions regarding their account, they should contact their representative promptly. Representatives aim to provide a high level of service to their customers and will work together with them and Phénix Groupe Financier to address their concerns. For customers who remain unsatisfied, Phénix Groupe Financier has adopted procedures for fairly and promptly handling verbal and written complaints received from its customers. This document is a summary of these procedures, which is provided to new customers and customers who file a complaint.
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Customer Complaint Information Form
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How to File a Complaint with Phenix financial Group
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Complaint Handling Procedures
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Regulations
Customer Complaint Information Form
We also provide new and complaining customers with a document called the Customer Complaint Information Form, which contains general information about the various ways to file a complaint.
How to File a Complaint with Phoenix Financial Group.
Customers who wish to file a complaint with Phoenix Financial Group should send their complaint to our head office by calling our Customer Service at 514-333-4630 ext 500 and asking to speak to a Dispute Resolution Advisor, or in writing to 2540 Daniel-Johnson Blvd., Suite 710 Laval, Quebec H7T 2S3. They may also communicate with a Financial Center Director or their representative. All complaints are referred to a competent compliance officer or supervisor. We encourage customers to file their complaint in writing, if possible, by sending us a letter or email. If they are having difficulty putting it in writing, they can inform us and we will help them in the process. For confidentiality reasons, we will only do business with the customer or the person the customer has explicitly authorized in writing.
Complaint Handling Procedures
We acknowledge receipt of complaints as soon as possible, usually within five business days. This summary and the Customer Complaint Information Form will be attached to our acknowledgment of receipt. We fairly examine all complaints by considering all statements and relevant documents obtained from the customer, our records, the representative, other persons from our company and any other relevant source.
Upon completion of our review, we will send a response to the clients in writing. Our response may include a settlement offer, the rejection of the complaint with supporting reasons, or another appropriate response. Our response will summarize the complaint, report the results of our investigation, and remind the client of the possibility of contacting the Ombudsman for Banking Services and Investments (OBSI). Our response is usually sent to clients within 90 calendar days, unless we are waiting for additional information from them or if the case is unprecedented or very complex. We will respond to any further communications from the clients after the date of our response as needed to implement the resolution or address any new questions or information they provide
Settlements
If we offer a financial settlement to a client, we may ask them to sign a release and waiver for legal reasons. Contact Phenix Financial Group
Clients can reach out to us at any time for additional information or to check on the status of their complaint. It is suggested to reach out to the person handling their complaint or the dispute resolution advisor through our Customer Service at 514-333-4630 ext 500.
INTELLECTUAL PROPERTY
The trademarks, logos, signs and any other content on the site are protected by copyright law. The User must obtain prior authorization from the site for any reproduction, publication, or copy of the different contents. The User agrees to use the site's contents strictly for private use. Any use of the site's contents for commercial purposes is strictly prohibited.
The User is solely responsible for any content they post online. The User agrees not to post any content that could harm the interests of third parties. Any legal action taken by a harmed third party against the site will be the User's responsibility. The User's content may be deleted or modified at any time and for any reason by the site. The User will receive no justification or prior notification before the deletion or modification of the User's content.
EVOLUTION OF THE CONTRACT
The site reserves the right to modify the clauses stated in this contract at any time.
DURATION
The duration of this contract is indefinite. The contract takes effect with respect to the User from the moment the service is used.
INTERPRETATION
The User understands and accepts the regulations and all the clauses mentioned above.
Applicable Law
Both the present website and the terms and conditions of its use are governed by Quebec and Canadian law regardless of the place of use. In case of any dispute, and after the failure of any attempt to reach an amicable solution, the Quebec/Canadian courts will be the only ones competent to hear this dispute. For any questions related to these terms of use of the website, you can write to us at the address provided in the site's form: Contact Phenix Financial Group.
Legal Notice
By accessing and using this website, I agree to be bound by the Legal Notice and to abide by the following terms of use. If not, I understand that I should not access this site. Phenix Financial Group is affiliated with the SFL Wealth Management network, a partner of Desjardins and SFL Investments, a financial services firm. SFL is a trademark owned by Desjardins Financial Security, a life insurance company. Desjardins Financial Security Independent Network is a trademark owned by Desjardins Financial Security, a life insurance company. SFL Investments is a business name of Desjardins Financial Security Investments Inc.
SFL and Desjardins Financial Security Independent Network may modify or update the information contained in this site at any time, and it is provided for informational purposes only. Phénix Groupe Financier, Desjardins Financial Security Independent Network, SFL Investments, Desjardins Financial Security Investments Inc., and Desjardins Financial Security Life Insurance Company cannot be held responsible for any damage, loss, or prejudice arising from the use of this site and the information contained therein. They cannot guarantee the availability of this site and cannot be held responsible for any problems that may occur during its use.
Links to other sites appearing on this site, including those offering downloadable software, are provided for convenience only and do not engage the responsibility of Desjardins Financial Security Independent Network, SFL Investments, Desjardins Financial Security Investments Inc., or Desjardins Financial Security Life Insurance Company.
This site is governed by Quebec legislation, and the information contained on the site about SFL and Desjardins Financial Security Independent Network products and services can only be used in Canada. The confidentiality of email exchanges on the Internet cannot be guaranteed. For security, verification, or statistical compilation purposes, we collect data on access to this site, and we may review communications transmitted from or received on this site.
Phenix Financial Group is concerned with the protection of your security and privacy, and specifically with any personal information that you may entrust to us..