Privacy Policy

For more information on the different regulators that regulate MSH International, please click on the links below:

Alberta
Alberta Insurance Commission
https://licensing.abcouncil.ab.ca/

British Columbia
Insurance Council of British Columbia
https://portal.insurancecouncilofbc.com/licenseedirectory/agencydirectory/

Manitoba
Insurance Council of Manitoba
Our agents are licensed in Manitoba. The Government of Manitoba does not license corporate agents.

New Brunswick
Financial and Consumer Services Commission
Our agents are licensed in New Brunswick. The Government of New Brunswick does not license corporate agents.

Newfoundland and Labrador
Government of Newfoundland and Labrador
https://www.servicenl.gov.nl.ca/insurance/licenses

North West Territories
Government of North West Territories
https://www.justice.gov.nt.ca/

Nova Scotia
Nova Scotia Finance and Treasury Board
https://w5p1.gov.ns.ca/insurance/

Nunavut
Our agents are licensed in Nunavut. The Government of Nunavut does not license corporate agents.

Ontario
Financial Services Regulatory Authority/Financial Services Commission of Ontario
http://corporatelicence.fsco.gov.on.ca/

Québec
Authorité Des Marchés Financiers (AMF)
https://lautorite.qc.ca/en/general-public/registers

MSH INTERNATIONAL (CANADA) LTD.
AMF Registration no.: 603631
Sector of Practice: Group Insurance of persons, Insurance of persons.

Prince Edward Island (PEI)
Government of Prince Edward Island
Our agents are licensed in PEI. The Government of PEI does not license corporate agents.

Saskatchewan
Insurance Councils of Sasketchewan
https://www.skcouncil.sk.ca/search/Licensee

Yukon
Our agents are licensed in Yukon. The Government of Yukon does not license corporate agents.

See our policy here.

Our Complaint Management policy can be found here


Protection of personal information has always been a priority at MSH INTERNATIONAL and our policy sets high standards for collecting, using, disclosing and storing personal information.

Personal information is defined as any information that identifies you, or by which your identity could be deduced. We also have comprehensive procedures in place for managing personal information, such as physical, organizational, and technological safeguards, including enhanced security for online information. MSH INTERNATIONAL (CANADA) LTD abides by the Ten Privacy Principles, as defined by the Personal Information Protection and Electronic Act (PIPEDA), which can be found here.

We will use fair and lawful means to collect your personal information and will only collect information that is relevant and consistent with the purpose of collection. Your personal information will be provided to the risk carrier (insurer), other entities of MSH INTERNATIONAL, and the service providers involved in the administration of the insurance policy across the world. This means that your information may be transferred to countries outside of Canada, and would therefore be subject to the laws of those jurisdictions.
You may withhold or withdraw your consent for us to collect, use and disclose your personal information, as long as there are no legal or contractual reasons preventing you from doing so. Depending on the circumstances, however, withdrawal of your consent may impact our ability to continue to provide you with the products and services you have requested, or, in the case of insurance and group insurance benefits, it may prevent us from keeping your coverage in force, or properly evaluating and processing any claims.

You have the right to access and verify your personal information maintained in our files, and to request that any factually inaccurate personal information be corrected, if appropriate. Depending on the circumstances, we may not always be able to give you access to all information. Should this happen, we will let you know and explain the reason(s) why. As a subsidiary of a French company, we are compliant with the General Data Protection Regulation (“GDPR”), and you therefore also have the right to erasure, or restriction or opposition and portability, as well as the right to organize instructions relating to your personal data upon your death.

Per GDPR, MSH INTERNATIONAL, with its head office located in Season, 39 rue Mstislav Rostropovitch 75815 Paris Cedex 17, has appointed a Data Protection Officer along with Data Protection Correspondents and IT Risk Managers to ensure that data protection is dynamic and effective across its group of companies.

Complaints:

For AzC Member Complaints only:
Click on the below link to obtain more information:
Complaints Procedure | Allianz Care


Updated on: October 28, 2024

This Whistleblower Procedure is intended to encourage and enable employees and stakeholders of MSH Americas to raise serious concerns internally so that MSH Americas can address and correct inappropriate conduct and actions.
It is the responsibility of all MSH Americas employees to report concerns about violations of MSH America’s code of conduct or suspected violations of law or regulations that govern MSH America’s operations. Anyone filing a complaint concerning a suspected violation should act in good faith and have reasonable grounds to believe the information to be true.
In a world where transparency is essential and accountability is paramount, whistleblowing anonymously empowers individuals to speak up without fear of retribution. This crucial avenue allows people and insiders to report misconduct, fraud, or unethical practices, fostering a culture of integrity and trust. The SharePoint form allows this process to be completely anonymous protecting the identify of the person reporting the incident.

As this process is anonymous it is paramount to enter as much information and details as possible on the form to ensure that the concern can be adequately reviewed and investigated. This is available to the general public, customers, vendors and employees to report.
To make an ethical complaint please select the link below.

https://forms.office.com/r/NebviWf0Cz

In conclusion, whistleblowing serves as a vital mechanism for promoting accountability and integrity within organizations. By providing a safe avenue for individuals to report wrongdoing without fear of reprisal, it encourages a culture of transparency that ultimately benefits everyone.

If you have any questions about our Privacy Policy, would like to access your personal information, or have a complaint, please contact our Privacy Officer:

NORTH AMERICA

Privacy Officer
2900, 605 – 5 Avenue SW
Calgary, AB T2P 3H5
Canada

EUROPE

Data Protection Officer
Risk & Compliance Division
39 rue Mstislav Rostropovitch
75815 Paris Cedex 17
FRANCE

You can access the Group’s full Policy on the Protection of Personal Data by clicking here.