MERITEX Services Financiers Inc. / MERITEX Financial Services Inc. (“MERITEX,” “we,” “our,” or “us”) is committed to protecting the confidentiality of personal information entrusted to us and to handling it in accordance with applicable privacy laws, including Québec’s Act respecting the protection of personal information in the private sector, as amended by Bill 25.

This Privacy Policy explains how personal information is collected, used, disclosed, retained, and protected when you interact with our website, communications, or services.

1. Consent

By using our website or communicating with us, you consent to the collection, use, and disclosure of your personal information in accordance with this Privacy Policy, subject to your right to withdraw consent where permitted by law.

Consent may be express or implied, depending on the nature of the information and the context in which it is collected.

2. Information Collected Through the Website

a) Website Interactions

When you interact with our website (for example, by submitting a contact form), we may collect:

Name | Email address | Telephone number | Any information you voluntarily provide

b) Technical Information

Our website may automatically collect limited technical information, such as:

IP address | Browser type | Device information

This information is used for security, functionality, and basic analytics purposes.

3. Cookies and Similar Technologies

Our website may use cookies or similar technologies to:

Ensure proper website functioning | Enhance user experience | Analyze website traffic

Cookies are small text files stored on your device. You may configure your browser to refuse cookies or to notify you when cookies are used. Please note that certain features of the website may not function properly if cookies are disabled.

Where required by law, consent will be obtained for non-essential cookies.

4. Embedded or Third-Party Content

Our website may include embedded content (such as videos or links) from third-party websites. Embedded content behaves as if you were visiting the third-party website directly.

These third parties may collect data about you, use cookies, or track your interaction with their content. MERITEX is not responsible for the privacy practices of third-party websites.

5. Personal Information

Personal information refers to any information relating to a natural person that allows that person to be identified, directly or indirectly. Depending on the context, personal information collected by MERITEX may include:

• Identification and contact information

• Financial and insurance-related information

• Information required to provide financial and insurance services

Personal information is confidential and protected regardless of the medium on which it is stored.

6. Purposes of Collection and Use

Personal information is collected and used for purposes including:

• Responding to inquiries and communications

• Providing financial and insurance services

• Complying with legal, regulatory, and professional obligations

• Managing client relationships and providing ongoing service

• Preventing fraud and ensuring security

Personal information is not used for unrelated purposes without appropriate consent or legal authorization.

7. Retention of Personal Information

Personal information is retained only for as long as necessary to fulfill the purposes for which it was collected and to comply with applicable legal, regulatory, and professional requirements.

When no longer required, personal information is securely destroyed, erased, or anonymized using reasonable methods.

8. Disclosure of Personal Information

Personal information may be disclosed, where permitted or required by law:

• To service providers acting on our behalf and subject to confidentiality obligations

• To insurers, partners, or intermediaries involved in providing requested services

• To regulatory authorities where legally required

Where personal information is communicated outside Québec or Canada, reasonable measures are taken to ensure its protection in accordance with applicable law.

9. Security Measures

MERITEX implements reasonable administrative, physical, and technological safeguards to protect personal information against loss, theft, unauthorized access, use, or disclosure.

Access to personal information is limited to authorized individuals who require it to perform their duties.

10. SMS & Messaging Terms

If you use our services to receive SMS messages or communications through messaging platforms:

• Users must opt in to receive messages

• All opt-in data and consent must be verifiable

• Marketing messages include opt-out instructions (e.g., “Reply STOP to unsubscribe”)

• Message frequency is consistent with disclosures provided at opt-in

• Message and data rates may apply and will be disclosed where required

MERITEX does not guarantee message delivery. Wireless carriers are not liable for delayed or undelivered messages.

11. Your Rights

In accordance with applicable privacy laws, you have the following rights (subject to legal limitations):

• Right of access

• Right of rectification

• Right to withdraw consent

• Right to information, including certain automated processing where applicable

• Right to portability, where applicable

Requests must be submitted to the Privacy Officer identified below. MERITEX will respond in writing within the timeframes prescribed by law.

12. Privacy Officer

Name: Hagop Samouelian
Title: President / Independent Representative
Email: [email protected]
Telephone: 514-653-5377
Website: https://www.meritex.ca

13. Updates to This Policy

This Privacy Policy may be updated from time to time. The most current version is always available on our website.

Last updated: January 12, 2026