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Privacy Policy

Protecting Your Privacy

Please read the following privacy notice carefully. Your access to and use of this website ( constitutes acceptance of these terms and conditions.

References to "CUMIS" mean CUMIS Services Incorporated and any of its related, affiliated and subsidiary corporations and entities including without limitation, CUMIS Life Insurance Company and CUMIS General Insurance Company.


Information Collection and Use

In this document “you” and “your” refer to person(s) using the information and tools on this website. By using this website you accept the terms of use detailed below. If you do not agree, please exit this site immediately. CUMIS currently does not collect any data input into this site, with the exception of information required to contact you, as provided by you, if you request a referral. The information collected in each field of the planning tools is for calculation purposes only. Personal information is not collected, used or disclosed in any manner, except for the purposes of the calculations on this site. You have the option of directing the results of your calculations on to an advisor, at your sole discretion. All information practices shall comply with applicable federal and provincial laws, as and where applicable.


Referral Process

If you choose the referral option, which is available at several different points on this website, you’ll need to provide your contact information (such as name and e-mail address). This information is used to contact you about the services on our website for which you have expressed interest. The information provided will be used for contact purposes only and will only be provided to employees of CUMIS and/or your credit union for that sole purpose. 



This website contains links to other sites. Please be aware that CUMIS is not responsible for the privacy practices of such other websites. We encourage our users to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable information. Also bear in mind that we make no representations or warranties about any website linked to our website, nor do we accept any claim for liability or damages flowing from the use of those websites or your choice to provide personal information on those websites.


Surveys and Contests

From time-to-time our website requests information from you via surveys or contests. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address) and demographic information (such as postal code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this website. As you would expect, these surveys are a tool we use to enhance this service to you, but you are under no obligation to take part in the survey. If you do take part, we will only make use of the information you insert in a generic manner that will not identify you, unless of course we use the contact information to send you a prize.



Any e-mail communication over the Internet is subject to possible interception or loss and is also subject to possible alteration. CUMIS is not responsible for and will not be liable to you or anyone else for damages resulting from interception, loss or alteration in connection with an e-mail sent by you to CUMIS or an e-mail sent by CUMIS to you.


Notification of Changes

If we decide to change our privacy policy, we will post those changes on our homepage so you are always aware of what information we collect, how we use it and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify you by way of an e-mail. You will have a choice as to whether or not we use your information in this different manner. We will use information in accordance with the privacy policy under which the information was collected and will always adhere to our Privacy Policy (below).

Please address privacy-related questions or concerns to:
Privacy Officer
P.O. Box 5065
Burlington, ON L7R 4C2
Tel: 905-632-1221

CUMIS Privacy Policy