Terms of Use


By using the Site, you acknowledge having read, understood and agreed to the terms of use below, as well as our Privacy Statement. Otherwise, please do not access the Site.  L’Unique reserves the right to modify these terms of use at any time and without notice. In the event of a material change to the terms of use, Users will be notified of such change. Please familiarize yourself with them on a regular basis as you are bound by the terms of use in effect at the time you are using this Site. 


“L’Unique” means L’Unique General Insurance Inc., its affiliates, their mutuals and its distribution networks. L’Unique General Insurance Inc.’s affiliates are Beneva Inc., Beneva Investment Services Inc., Beneva Insurance Company and Unica Insurance Inc.

“Information” refers to information, documents and content appearing on the Site pages.

“Personal Information” refers to any information about a natural person that allows, directly or indirectly, and allows that person to be identified. 

“Site” refers to the L’Unique website.

“User(s)”, “you” and “yours” refers to persons who access or use this Site.

Privacy Statement

L’Unique takes the protection of your Personal Information very seriously. To learn more about our practices, we encourage you to read our Privacy Statement.

Username, password and security

To access online services available in the Broker Centre, please obtain a username and password. You are solely responsible for keeping your Broker Centre username and password confidential.

It is your responsibility to notify L'Unique immediately in the event of any unauthorized use of your username or password.

You acknowledge that L'Unique shall not be liable, in any way whatsoever, for any loss or damage that may directly or indirectly result from any transaction carried out at the request of a person using your username and/or password.

To learn more about what security measures to take, we invite you to visit the security section.

Accuracy of the information provided on this Site

L’Unique is committed to taking the measures necessary to ensure that the Information contained on this Site is as reliable as possible. However, L’Unique cannot ensure that this Information is always accurate and current. Furthermore, L’Unique reserves the right to change the Information contained on this Site at any time and without prior notice. The use of this Site is subject to the User's acceptance of this risk. 

Financial information from various sources

The financial information of the same nature published on this Site are provided for information purposes. This information comes from various sources and is updated frequently. Consequently, L’Unique cannot, at any time, be held responsible for any consequences arising from inaccuracies in this information or from damages resulting from the use of this information.

Use of cookies and other technology

Find all the details on our Information about the collection, use and disclosure of Personal Information using cookies and other technologies page. 

Copyright and trademarks

All Information provided on the Site is protected by the Copyright Act (RSC 1985, c. C-42). The redistribution, reproduction, copying, publication, storage, modification or other such use of the Information provided without the prior written authorization of L’Unique is strictly prohibited. Users of the Site may only make personal use of this information. 

All logos, icons, graphics, illustrations, product, service and company names on the Site are trademarks of L’Unique. Any use thereof without the written authorization of L’Unique is strictly prohibited. In the event of a breach of these principles, L’Unique may take legal action.

Links to other websites

Links to other websites may be made available to you for the sole purpose of providing further information. The content on these other sites is neither reviewed nor approved by L’Unique, and is subject to its own terms of use. We recommend that you read the terms of use and policy regarding Personal Information of any website you visit. 

In consideration of the above, L’Unique may not, under any circumstances, be held liable for any damage or harm that may arise, directly or indirectly, from the use, operation or content of the websites of third parties.

Limitation of liability

L’Unique may not be held liable for damage of any type whatsoever arising, directly or indirectly, from the use or operation of the Site and the Information that they contain.

L’Unique cannot ensure that the Site will be available, that they will meet your requirements, that access to them will not be interrupted, that there will not be delays, failures, errors, omissions or losses of information transmitted that no virus or other contaminating or destructive element will be transmitted or that no damage will be caused to your computer system.

Applicable laws

These terms of use for the Site are governed and must be interpreted in accordance with the laws in effect in the province of Quebec, Canada, regardless of its provisions regarding conflicts of laws.

All rights that have not been expressly granted under these terms of use are reserved. Any provisions of these terms determined to be invalid or not applicable by law does not invalidate the other provisions, which remain in force. These terms of use constitute the entire agreement between you and L’Unique with regard to the use of the Site, and takes precedence over all prior agreements that may have been entered into with regard to the content on this Site.