Internet security statement
At The Canada Life Assurance Company (Canada Life), we recognize and respect the importance of security. This Internet Security Statement covers the measures that Canada Life takes to help secure your personal information. This Internet Security Statement is subject to change without notice to you, so we recommend that you review it regularly. By using this site you acknowledge that you have read and understand this Internet Security Statement as amended from time to time.
Encryption
Encryption technology is designed to secure personal and confidential communications between your computer and Canada Life servers, such that they are protected from being read by any third parties. This is achieved by "scrambling" communications so that they are unreadable by anyone other than Canada Life or yourself. Canada Life web applications require 128-bit SSL encryption — the standard for encrypting and safeguarding websites. You can verify that a Canada Life website is encrypted by looking for the golden lock or key icon along the bottom of your browser window, which is used by most browsers to indicate a secure connection.
Time-outs and automatic log outs
Some Canada Life websites may require you to log in using a user name and password. While you are logged in, if you leave your browser window open, Canada Life applications will automatically log you out after 25 minutes of inactivity. Similarly, if you close your browser window without logging out, you will be automatically logged out. Both of these measures are designed to protect your information from unintended access by a passerby or different user of your computer.
Fraud
Be cautious of emails, websites and other forms of communications purporting to represent a legitimate company or person and that ask you to provide confidential or financial information. This is called phishing.
The content of a phishing e-mail or text message is intended to trigger a quick reaction from you. It can use upsetting or exciting information; demand an urgent response or employ a false pretense or statement. Phishing messages are normally not personalized.
It is not Great-West Life’s practice to email you or ask you to provide or confirm your PIN, password, or other confidential or financial information, other than as may occur in response to an inquiry from you. If you receive such a request, or if you have any concern as to the validity of an email from Great-West Life, a website claiming to be a Great-West Life website, a digital communication claiming to be from Great-West Life and its employees, or our online security, please contact our Special Investigations Unit toll free at 1-877-751-4317 or email us.
Please attach any suspicious email in its original form, screenshots in the case of instant messages from other communication platforms, or in the case of a website please include the URL in your notification.
What to watch out for: 3 types of common fraud scams
1. Mystery Shopper Scam
The fraudsters mail out letters indicating they are a customer survey company that is a division of London Life, Great-West Life or Canada Life, and are offering you a job as a mystery shopper. The letter also includes a realistic looking London Life, Great-West Life or Canada Life cheque, which is payable to you.
If you contact the fraudster, you are given instructions to deposit the cheque and withdraw a portion of that money in cash. Your mystery shopper job is to test the customer service of a money transfer company, and you are also instructed to send a money transfer to a specific person, usually in another country. The original cheque will eventually be returned as a fake and you are out of money from your bank account.
2. Inheritance Scam
The fraudsters mail out letters using letter head that indicates it’s from an investment company that is a division of London Life, and includes the proper London Life address and phone number. Fraudsters follow up with victims by phone, indicating you are entitled to an inheritance from a deceased person who has the same last name. Usually, the fraudsters also include in their mail outs a realistic looking London Life cheque payable to you.
The fraudster advises you this is an advance on the inheritance to pay for the fees to transfer the bank account into your name. You are then instructed to deposit the cheque at your bank and then withdraw cash and send a money transfer to a specific person to cover the fees.
3. Purchase Order Email Frauds
The fraudsters (posing as a manager at Canada Life) send out emails to legitimate companies. The email requests a price quote and refers to an attachment. Attached is a file marked “purchase orders.”
The attachment is either an attempt to defraud that company of product or the file contains a virus to infect that company’s computer. The email address that it was sent from is a generic email, but the information regarding a phone number and address may be correct.
For information on various types of email fraud, please visit the E-mail Fraud / Phishing page on the RCMP website.
The Canadian Anti-Fraud Centre has published some tips on how to protect yourself:
· Be mindful where you post your resume; scammers use legitimate websites to seek out victims.
· A legitimate employer will never send funds and request a portion of it back.
· Do your research. A simple search on the Internet can save you thousands of dollars.
· If it sounds to good to be true, it is.
For more information, visit the Canadian Anti-Fraud Centre.
If you have lost money because of a fraud, contact your local police.
You may also contact our Special Investigations Unit toll-free at 1-877-751-4317 or email us.
Other security measures
Canada Life engages in a number of other security activities to help ensure the safety and privacy of your personal information. This includes adopting measures to help secure our computers against hacker attacks and virus activities by a number of different means. We monitor our website, servers, email, and data 24 hours a day to help us immediately identify and rectify any problems. Note that all emails and attachments sent to the organization may be scanned for viruses by a third party service provider. Scanning may take place outside of Canada.
Security tips you can use
You can also contribute to the security of your information by following a few straightforward principles: For Canada Life sites requiring a password:
- Pick a password that is unique and hard for others to guess. A strong password includes a combination of upper- and lower-case letters and numbers. Avoid passwords such as family or pet names, birthdays, or words found in dictionaries.
- Memorize your password, and don't tell it to anyone. Remember no one from Canada Life will ever call or e-mail asking for your password.
- If you think anyone has had access to your password, change it immediately by logging in and clicking the Your Profile tab. From the Your Profile section, follow the simple instructions to change your password.
- If you are using a computer in a public place (such as an Internet café, or an open desk at work), ensure that no one can see you type in your password, log off when you are finished using the site and clear the browser's cache.
- Run current anti-virus software and anti-spyware software on your computer. This helps ensure your computer is free of malicious programs such as viruses, worms and spyware (snooping software that collects and shares confidential information on your computer with a third party without your consent).
- After using a Canada Life application, clear your browser's cache and then close it. The cache is where a browser keeps copies of the web pages you have recently visited. By clearing it, you help ensure no one else can view these pages, including the next website you visit.
Use of this website is governed by the following terms and conditions. Please read these terms and conditions carefully, as by using this website you will be deemed to have agreed to them. These terms and conditions are subject to change without notice to you, so we recommend that you review them regularly. If you do not agree with these terms and conditions, do not use this website.
Limited license and use
The Canada Life Assurance Company (Canada Life) grants you a limited license to display the contents of this website on your computer or other electronic device you use to access this website, and to print, download and use the materials on this website solely for informational purposes or to transact with Canada Life, provided that the contents of this website are not modified in any way and that all copyright and other notices are maintained. You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this website or any of its content.
This website is not intended to provide you with any personalized financial, insurance, legal, accounting, tax, medical or other professional advice. You will not rely on this website as a substitute for independent research or for personal advice from a representative of Canada Life or its affiliated companies or any other appropriate professional advisor.
Nothing on this website constitutes an offer to buy or sell products or services of Canada Life or any third party. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws. Canada Life products and services and those of third parties described on this website are available only in jurisdictions where they may be lawfully offered for sale in Canada.
The use and content of this website, including the terms and conditions of use, shall be governed by the laws of the Province of Ontario and the laws of Canada applicable therein and you agree to attorn to the jurisdiction of the courts of the Province of Ontario.
If you are accessing this website on behalf of another party, you confirm you are authorized to do so, and agree you shall be liable and will indemnify and hold harmless Canada Life, its affiliates, and each of their respective directors, officers, employees and agents, in the event the party you are acting on behalf of claims you did not have such authority or the information you submitted was inaccurate.
No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this website. To the extent any third party opinions or information are included on this website, they are provided for convenience only and Canada Life assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose.
Canada Life may utilize third party service providers to provide certain tools and/or programs, some of which may be housed on a third party server or on a website which has been independently developed by others. As such, while accessing this website you may be linked to such other third party servers. Access to other websites or use of any third party tools or programs on this website are subject to all terms and conditions found therein.
Availability
This website, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of Canada Life. Further, any or all of the services on this website may change at any time, with or without notice to you.
Copyright
This website has been developed by and is the property of Canada Life. All information and materials contained on this website are protected by copyright, trademark and/or other intellectual property laws of Canada and other countries, and are the property of their respective owner(s). Subject to the limited license to use this website as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this website or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Canada Life. Any infringement of the rights of Canada Life may result in appropriate legal action.
Trademarks
Canada Life owns or has obtained the right to use by license or otherwise the trademarks, logos and domain names used on or in connection with the goods and services that it provides and displays on this website. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this website shall not in any way be construed as an implied license to use such trademarks.
Canada Life, the design, and marks displayed on this website followed by the TM symbol at first time of use are registered or unregistered trademarks of The Canada Life Assurance Company or a third party. Third party marks are used with permission or under license.
General disclaimer
While the information posted on this website is believed to be reliable and accurate at the time of posting, Canada Life does not guarantee, represent or warrant that the information contained on this website is accurate, complete, reliable, verified, error-free or fit for any purpose.
Nothing on this website forms a contract, or a part of any contract, other than as it relates to the use of this website or as may be expressly provided. In the event of a conflict between the information contained on this website and the terms contained in any product or service offered by Canada Life or a third party, the terms contained in any document detailing such product or service will prevail.
Neither Canada Life, nor any third party, make any representations or warranties, express or implied, regarding the usability or condition of this website, that this website will operate uninterrupted or error-free, or that this website will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this website is private, confidential or secure.
Canada Life expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non- infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade.
You assume full responsibility for risk of loss of any nature whatsoever resulting from your use of this website. Without limiting the generality of the foregoing, you acknowledge and agree that none of Canada Life, its affiliates, or any third party, or any of their respective directors, officers, employees or agents shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this website for any reason whatsoever or to any action or inaction on the part of Canada Life or for any direct, indirect, special or consequential damages, even if Canada Life has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
This website contains links to or may be accessed from other websites which websites are not maintained or controlled in any way by Canada Life. Canada Life does not control and is not responsible for any of these websites or their content, and as a result such links are not to be construed as an endorsement by Canada Life or any other party of the products, services, advice or opinions or any other content of such websites. Access or use of websites to which links are provided and of websites that link to this website are subject to the terms and conditions of such websites. You are fully responsible for any use that you make of the content contained on such websites and you are solely responsible for the consequences of any use of or reliance on such content. Links to such websites that are not maintained or controlled by Canada Life are provided for convenience only.
Canada Life provides you with access to this website through the networks of third party telecommunications providers and through other suppliers and third parties. Canada Life assumes no responsibility for security of your facilities or networks, nor for unauthorized access to such facilities or networks. In all cases, you are responsible for determining and establishing secure network access configurations. Canada Life, its affiliates, and each of their respective directors, officers, employees and agents, shall not be liable for any inability, failure or mistake related to any security breach or identification of such breach or any loss that results from the transmission of confidential or sensitive information over the Internet.
If any of these terms and conditions are determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability attaches only to such term or condition and all other terms and conditions shall continue in full force and effect.
More information
For more information concerning the terms and conditions of use of this website, to request a copy of Canada Life’s privacy policy, or to request the authorization to reproduce or distribute the content of this website or any party thereof, please contact:
The Canada Life Assurance Company
330 University Avenue
Toronto, Ontario M5G 1R8 Canada
Attn: Communication Services