Privacy policy
Groupe Cloutier Inc. believes the right to privacy is one of a particular importance. This is why we have implemented this privacy policy, allowing the protection of your integrity and of your right to disclose or not your personal information.
The following policy aims to govern the collection and use of information 1) when accessing our website (http://www.groupecloutier.com) and/or 2) you provide on a voluntary basis upon your participation to a service offered by Groupe Cloutier Inc., subject to any refusal that you could duly express to us with this regard.
1. Application to the present policy
We may change our privacy policy at any time and without notice. If we decide to change our privacy policy, we will post those changes on this page so that you are aware of what information we collect, how we use it, and under what circumstances we disclose it. The date of the last update is written at the bottom of this page.
2. Your consent
The fact 1) of accessing this website and/or 2) providing us some personal information on a voluntary basis, implies that you are consenting to the collection, use and disclosure of your information as outlined in this privacy policy.
3. Collection and processing of the information gathered by Groupe Cloutier Inc.
a) Collection
No personal information concerning you is gathered upon your simple access or browsing on this website. However, it must be noted that as soon as you access Groupe Cloutier Inc. website, some information is gathered automatically by our computer system. While none of this information allows Groupe Cloutier Inc. to identify you personally, it includes information regarding your domain name as well as the IP address through which you access this website. Such information may be used by Groupe Cloutier Inc. for statistical purposes, allowing it to namely evaluate and analyze the access frequency to its website and related customer base.
Your personal information is gathered only when and if you voluntarily provide them to Groupe Cloutier Inc., including namely in the course of your participation to any service offered by Groupe Cloutier Inc. which requires you to provide such information, subject to any objection expressed on your part. In all cases where you voluntarily provide personal information to Groupe Cloutier Inc., it undertakes to collect, use and/or communicate it in accordance with this policy and applicable legislation.
All your personal information, when gathered in electronic form by Groupe Cloutier Inc. in compliance with this policy, will be kept on Groupe Cloutier Inc. server.
All your personal information, when gathered in physical form by Groupe Cloutier Inc. in compliance with this policy, will be kept at Groupe Cloutier Inc. premises.
4. Purposes for which Groupe Cloutier Inc. may use the personal information it duly gathers
a) Groupe Cloutier Inc. survey, contest or promotion
Groupe Cloutier Inc. may use personal information which it is provided on a voluntary basis through a message or following a given participation to a survey, contest or promotion. Personal information gathered for any of such purpose, will be namely used to communicate with you in the event you win. Contests and/or promotions offered by Groupe Cloutier Inc. may be subject to additional specific regulations, which will be fully described in such conquest or promotion.
b) Other purposes
Groupe Cloutier Inc. undertakes not to use any personal information it gathers in compliance with this policy or with any applicable legislation, to any other purposes unless we obtain your consent for that purpose or in certain exceptional circumstances, where Groupe Cloutier Inc. believes in good faith that the law requires or allows it.
5. Disclosure to third parties
Groupe Cloutier Inc. commits not to disclosure any of the personal information it gathers to third parties in compliance with this policy or with any applicable legislation, unless we obtain your consent for that purpose or in certain exceptional circumstances, where Groupe Cloutier Inc. believes in good faith that the law requires or allows it.
6. Minor
The permission from a parent or a tutor is required for any person under the age of eighteen (18) years old (a "Minor") to participate in any activity organized by Groupe Cloutier Inc., namely any survey, contest or promotion. In the event that any such activity specifically targets a Minor, the permission of a parent or a tutor will be expressly required.
Groupe Cloutier Inc. will not collect nor use any personal information relating to Minors without the consent of a parent or tutor.
7. Usage of cookies
Usage of cookies is not linked to any personally identifiable information. You may at all time deactivate said cookies by modifying the configuration of your browser; however, doing so may restrict you from accessing some parts of our website.
8. Use of Artificial Intelligence
We may make limited and controlled use of artificial intelligence technologies, including generative AI, to support certain operational and administrative functions. These technologies are prioritized in cases where they do not involve, or only minimally involve, the processing of personal information. Where applicable, only necessary, non-sensitive, or previously anonymized information is used, in accordance with the Act respecting the protection of personal information in the private sector (Québec). No decision that produces legal effects or has a significant impact on an individual is based solely on automated processing without human intervention.
9. Hyperlinks
Groupe Cloutier Inc. website may contain hyperlinks allowing users to visit other sites operated by other companies. Groupe Cloutier Inc. is not responsible for the privacy practices or the content of any of such websites to which we link.
10. Privacy Officer
If you have any questions or concerns about our privacy policy or how we handle confidential client information, please contact us at: [email protected].
Cloutier Financial Group comprises the following legal entities: Groupe Cloutier Inc., Groupe Cloutier Investments, and Groupe Cloutier Benefits Inc. Groupe Cloutier Inc. and Groupe Cloutier Benefits Inc. operate as Firms in the insurance of persons and Firms in the group insurance of persons, while Groupe Cloutier Investments Inc. acts as a Mutual fund dealer and an Exempt market dealer.
If you engage with an independent advisor using Cloutier Groupe Financier’s services, they will inform you of the name of the company they represent when presenting a financial product. Depending on the nature of the product offered, Cloutier Groupe Financier may not supervise your advisor’s activities. In such cases, Cloutier Groupe Financier cannot be held responsible for any recommendations made by your advisor.
Last updated June 9, 2026