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APPI PROGRAM
GENERAL TERMS OF USE

PLEASE READ THE FOLLOWING TERMS OF USE CLOSELY BEFORE SIGNING UP FOR THE APPI PROGRAM AND USING THE APPI APP. THESE TERMS CONTAIN IMPORTANT INFORMATION ABOUT YOUR PARTICIPATION IN THE APPI PROGRAM.

1. DEFINITIONS

For the purposes of these terms of use, capitalized terms have the meaning ascribed to them in the following definitions:

Promutuel Insurance”, “We”, “Us”, and “Our” refer to a member mutual insurance association of Groupe Promutuel Fédération de sociétés mutuelles d’assurance générale.

You” and “Your” refer to any primary driver of at least one Eligible Passenger Vehicle on at least one car insurance policy in force with Promutuel Insurance who is enrolled in the APPI program.

Eligible Person” means any person who meets the eligibility requirements set out in Section 3.1 of these terms of use.

Eligible Passenger Vehicle” means any passenger vehicle that meets the eligibility requirements set out in Section 3.2 of these terms of use.

Eligible Operating System” means any operating system that meets the eligibility requirements set out in Section 3.3 of these terms of use.

Driving Data” means the Driving Data indicated in Section 5.1 of these terms of use.

2. GENERAL PROVISIONS

You expressly agree to these terms of use and You undertake to comply with them upon Your enrolment in the APPI program, i.e., when Your account is activated from the APPI app.

If You disagree with these terms of use, please refrain from enrolling in the APPI program or withdraw from the program, whichever applies, and do not use the APPI app.

You may withdraw from the APPI program at any time and at no cost by calling 1-8-PROMUTUEL (1-877-668-8835).

Please note that all conditions, limitations, and exclusions of any car insurance policy on which You are a primary driver apply in full and supersede these terms of use.

3. ELIGIBILITY REQUIREMENTS

Your eligibility for the APPI program is subject to the conditions below.

3.1 ELIGIBLE PERSONS

To be eligible for the APPI program, You must meet all of the following requirements:

  • Accept these terms of use
  • Be the primary driver of at least one Eligible Passenger Vehicle for which the annual insurance premium payable is $300 or more, excluding taxes and insurance premiums payable for any endorsements added to the policy or policies in force with Promutuel Insurance
  • Have a valid email address that You check regularly
  • Be insured or insurable, as applicable, with Promutuel Insurance
  • Have a smartphone with an Eligible Operating System

3.2 ELIGIBLE PASSENGER VEHICLES

To be eligible for the APPI program, the passenger vehicle must meet the following requirements:

  • The vehicle must be registered in the name of an individual
  • The vehicle must primarily be driven in Quebec. Note that the APPI app will still record travel outside the province

For the purposes of these terms of use, a passenger vehicle is a motor vehicle designed or equipped primarily to transport people for personal use on streets and highways. We consider passenger vehicles to include cars, station wagons, vans, and some pickup trucks whose weight does not exceed 4,500 kg (10,000 lb.).

3.3 Eligible Operating Systems (smartphones)

Your smartphone must meet the following requirements:

  • iPhone: model running operating system iOS 11.0 or later
  • Android: model running operating system Android 6.0 or later
  • The APPI app must be installed on Your smartphone at all times and You must be logged into Your customer account at all times
  • When Your vehicle is in motion, the geolocation (GPS) and motion detection features on Your smartphone must always be turned on

Despite the above requirements, some smartphones may not be eligible for the APPI program due to technical considerations. Please call 1-844-770-APPI to make sure Your smartphone is eligible.

4. REWARDS OFFERED BY APPI

4.1 REWARD POINTS

By meeting the eligibility requirements outlined herein, You will be able to earn reward points. The value of the points is based on the following conversion rate: 100 points = 1 Canadian dollar.

4.2 EARNING REWARD POINTS

Driving score

You will be assigned a driving score for every trip based on Your driving habits and behaviour detected by the APPI app. 

APPI collects, analyzes, and uses the following Driving Data to calculate Your driving score: 

  • Speeds (met or exceeded)
  • Acceleration (smooth or sudden)
  • Braking (soft or hard)
  • Turns (smooth or abrupt)
  • Distracted driving (stopped and moving)
  • Travel times (night or day)
  • Roads used (highways or secondary roads)

Note that in addition to this Driving Data, the APPI app also records Your mileage. However, mileage does not affect Your driving score.

Reward points

Reward points are calculated using the following data:

  • Driving score
  • The total annual insurance premium payable for the Eligible Passenger Vehicle(s) for which You are the primary driver, excluding taxes and insurance premiums for endorsements, if applicable

Every Wednesday, your average driving score for the week will be converted into reward points redeemable under the terms and conditions set forth in Section 4.3 Reward catalogue below. Your average driving score must be 85% or higher to earn reward points for a given week.

Reward points are earned once a week, from Wednesday to Wednesday. You will receive a notification on the APPI app on Wednesday at noon if You earned points since the Wednesday before.  If You do not earn or are ineligible for reward points in a given week, You will not receive a notification. The points You earn during the next week will be awarded the following Wednesday.

4.2 REWARDS CATALOGUE

Once You have earned at least 5,000 reward points, You may redeem them for a gift card from the selection in the “Rewards” section of the APPI app.

4.3 REWARD POINT TERMS AND CONDITIONS

Reward points cannot be transferred to another APPI user.

5. DATA AND PERSONAL INFORMATION

Promutuel Insurance is concerned with protecting Your privacy and personal information. In order for Us to provide You with Our services and develop the APPI program and for You to use the program, We collect and use certain data and personal information about You. The terms and conditions governing the information We collect and how it is used are provided below.

5.1 DRIVING DATA AND PERSONAL INFORMATION

In addition to the personal information You provide when You enrol in the APPI program (e.g., Your name, email address, and cellphone number), the APPI app collects the following data:

  • Speeds (met or exceeded)
  • Acceleration (smooth or sudden)
  • Braking (soft or hard)
  • Turns (smooth or abrupt)
  • Distracted driving (stopped and moving)
  • Travel times (night or day)
  • Roads used (highways or secondary roads)

Note that in addition to this Driving Data, the APPI app also records Your mileage. However, mileage does not affect Your driving score.

5.2 COLLECTION AND PROCESSING OF DATA AND PERSONAL INFORMATION

The APPI app collects Driving Data and then transmits it over the cellular or wireless network to our telematics provider, where it is processed and returned in a format that can be displayed and viewed in the APPI app. If You configure the APPI app to transfer Your Driving Data over the cellular network, Your mobile phone operator’s standard fees apply.

5.3 USE OF DATA AND PERSONAL INFORMATION

Promutuel Insurance puts all necessary measures in place to ensure the security and confidentiality of Your personal information and Driving Data.

Subject to the provisions of these terms of use, the Driving Data and personal information collected will never be sold or shared with third parties or used for purposes or by people other than under the terms and conditions stated herein, and will be used only in accordance with the APPI program to help You earn rewards.

Authorized Promutuel Insurance employees will have access to Your Driving Data, driving score, the reward points You have earned, and Your personal information when such access is required to answer Your questions, handle Your requests, perform tasks related to Your insurance products, complete analyses and actuarial and rate forecasts, or so that You can benefit from other offers or products.

Furthermore, certain Driving Data and personal information may be communicated to our providers or agents in order to offer and improve the APPI program. In such cases, these providers or agents are required to preserve the confidentiality of the data and personal information to which they have access and may not use it for purposes other than to deliver the services for which they have been commissioned.

All access, transmission, or use of Your data and personal information by Promutuel Insurance, and its employees, providers, and agents will be limited to what is necessary for them to fulfil their individual duties.

Your Driving Data will not be used to determine Your liability in the event of a loss or to increase Your insurance premium.

5.4 VIEWING DRIVING DATA

You can view your Driving Data by logging into the APPI app.

5.5 GOOGLE ANALYTICS AND COOKIES

We use Google Analytics to collect non-identifying information on APPI app users’ browsing behaviour. This data is not personally identifiable. We use it to offer and improve the APPI app, our portals and websites, and the services we offer.

Cookies may be placed on Your phone. They are not intended to identify You. They collect navigational information from the phone on which they are stored.

6. TERMINATION OF MEMBERSHIP AND EXPIRATION OF REWARD POINTS

6.1 UNENROLLING FROM THE APPI PROGRAM

  • 6.1.1 BY YOU

    You may cancel Your APPI membership at any time, without charge or penalty, by calling 1-8-PROMUTUEL (1-877-668-8835).

    Expiry of reward points: Your reward points will automatically expire on the day You unenrol and will no longer be redeemable. Be sure to redeem the reward points You have earned before cancelling Your membership.

  • 6.1.2 BY PROMUTUEL INSURANCE FOR INACTIVITY

    If You do not earn or redeem reward points for a consecutive period of one (1) year, You will be considered an inactive user and Promutuel Insurance will have the right to cancel Your membership and let Your unused reward points expire.

    Promutuel Insurance will send You a notice of inactivity within 30 to 60 days of the expiry date of Your reward points to inform You that Your points will expire due to inactivity on the date indicated in the notice and to encourage You to start earning or redeeming points before they expire.

    Expiry of reward points: If You do not start earning or redeeming reward points again within the timeframe indicated in the notice, Your points will automatically expire on the date indicated in the notice and will no longer be redeemable.

  • 6.1.3 BY PROMUTUEL INSURANCE FOR IMPROPER USE OR NON-COMPLIANCE

    If Promutuel Insurance feels that You are using APPI inappropriately, that there is something wrong with the data collected, that You are not complying with these terms of use, or that You are violating the terms of Your insurance policy or policies, it reserves the right to cancel Your membership.

    Expiry of reward points: Your reward points will automatically expire on the date Promutuel Insurance cancels Your membership and will no longer be redeemable.

6.2 LOSS OF ELIGIBILITY FOR THE APPI PROGRAM DUE TO A CHANGE TO THE INSURANCE POLICY(IES)

Expiry of reward points: In this situation, if a change to the insurance policy(ies) results in You no longer meeting the APPI program eligibility requirements, Your reward points will automatically expire on the effective date of the change, and You will no longer be able to claim rewards. Be sure to redeem the reward points You have earned prior to the effective date of the change.

6.3 TERMINATION OR CANCELLATION OF INSURANCE POLICY OR POLICIES

  • 6.3.1 TERMINATION BY THE POLICYHOLDER

    Expiry of reward points: Your reward points will automatically expire on the date the policyholder terminates the policy(ies), and You will no longer be able to claim rewards. Be sure to redeem the reward points You have earned before the termination date.

  • 6.3.2 TERMINATION BY PROMUTUEL INSURANCE

    Expiry of reward points: Your reward points will automatically expire on the date Promutuel Insurance terminates the policy(ies), and You will no longer be able to claim rewards. Be sure to redeem the reward points You have earned before the termination date.

  • 6.3.3 CANCELLATION OF INSURANCE POLICY OR POLICIES

    Expiry of reward points: Your reward points will expire automatically and without notice and will no longer be redeemable.

    Special terms and conditions related to Your membership and the redemption of reward points

    • Re-eligibility: In the event You are able to once again meet the eligibility requirements of the APPI program, Your membership will automatically be reactivated. You will receive an email from Promutuel Insurance to inform You of this.
    • Time limit for redeeming points at the discretion of Promutuel Insurance: In the situations described in sections 6.2, 6.3.1, and 6.3.2 herein, Promutuel Insurance may, at its discretion, grant You thirty (30) days to redeem Your reward points. This time limit will be calculated starting from the time the event causing the reward points to expire occurred, according to the situation that concerns You. Promutuel Insurance will contact You to inform you of this, if applicable. Such redemption remains subject to the terms of use, including the minimum point threshold.

7. APPI PROGRAM CHANGES AND TERMINATION

Promutuel Insurance reserves the right, at any time and in accordance with the terms and conditions set out in this section:

  • To amend the provisions of these terms of use
  • To make changes to the APPI program
  • To terminate the APPI program and these terms of use

Promutuel Insurance will send You a change notice no later than 30 days prior to the effective date of a change or 60 to 90 days prior to the effective date of a change deemed essential, such as the termination of the APPI program and its terms of use.

Change notices sent by Promutuel Insurance will only include the following:

  • The new and/or amended provisions
  • The original provisions, if applicable
  • The effective date of the change
  • A statement that You may terminate Your APPI membership at any time, without charge or penalty, by calling 1-8-PROMUTUEL (1-877-668-8835)

You agree to review the terms of use and any modifications on a regular basis, as Your membership or continued participation in the APPI program will be considered acceptance of any changes to these terms of use.

8. INTELLECTUAL PROPERTY

The APPI app, the logos, names, images, and text used in the APPI app and the APPI program, and all other forms of intellectual property, are the exclusive property of Promutuel Insurance.

Subject to Your compliance with these terms of use, Promutuel Insurance grants You a limited, revocable, non-transferable licence to use the APPI app on Your smartphone.

App Store, iOS, and iPhone are trademarks of Apple Inc., registered in the United States and other countries.

Android is a trademark of Google Inc.

9. WARRANTY DISCLAIMER

Promutuel Insurance and its suppliers offer no warranties regarding the use of the APPI app, which is offered as is. Promutuel Insurance cannot guarantee that the APPI app will be available or functional and cannot guarantee it will be free of errors, bugs, and computer viruses. You assume all the risks inherent in its use.

10. LIMIT OF LIABILITY

With the exception of damages that may be caused by gross negligence or wilful misconduct, Promutuel Insurance and its suppliers cannot be held liable for any direct or indirect damages caused by the APPI program. Promutuel Insurance and its suppliers are also not responsible for the redemption of reward points or the use of rewards.

We also encourage You to exercise caution and to comply with road safety laws and regulations. Current laws prohibit the use of a smartphone or other handheld electronic device while driving. Please stow Your phone safely before You leave and do not use it while driving.

Promutuel Insurance and its suppliers will be released from all liability, and You undertake to hold them harmless from any and all damages, losses, breakage, claims or expenses, direct or indirect, resulting from Your use of a phone or other handheld electronic device while driving, in violation of applicable laws and regulations.

11. MOBILE APP UPDATES

It is Your responsibility to update the APPI app and Your phone operating system as required to ensure proper operation.

Under no circumstances do these terms of use change the terms of use of the App Store or Google Play, as applicable.

12. IMPORTANT INFORMATION ABOUT YOUR SMARTPHONE’S BATTERY

The installation and use of the APPI app may increase Your smartphone’s battery use. Your phone must have enough battery charge to record Your Driving Data.

13. APPLICABLE LAWS

These terms of use will be interpreted and governed by the laws and regulations in effect in the Province of Quebec and the applicable laws and regulations of Canada.

14. TECHNICAL SUPPORT

If You have technical difficulties, feel free to call Promutuel Insurance at 1-844-770-APPI (1-844-770-2774).