The contents of this site are protected by copyright. Visitors to this site may copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of Empire Life Investments Inc. Republishing and reproducing includes any uploading, downloading or providing access to the information on this site on the Internet or any other local or international computer system or means of distribution. An acknowledgement of the source must be included whenever our materials are copied or published.

If you require further information about how you may use the information on this site, please contact us by phone, by letter,  or by e-mail.

Empire Life Investments Inc. will take appropriate legal action in response to any infringement of its rights. Empire Life Investments Inc. disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

The Empire Life Insurance Company owns all the trademarks used on or in connection with the goods and services provided by Empire Life Investments Inc. Empire Life Investments Inc. uses such trademarks under license. The trademarks are protected by Canadian laws. All rights reserved.

The purpose of this Web site is to provide general information about Empire Life Investments and its products and services.

Before using this site, please read the following terms of use carefully. As the terms of use may change at any time, you should regularly review them to ensure that your understanding of the terms is up-to-date. Any references to “you” or “your” means the person or entity using or accessing this site. References to “Empire Life Investments” shall be deemed to include Empire Life Investments Inc. and its subsidiaries.

The information and features contained in this Web site, as well as the Web site itself (collectively, the “Internet Service”), may be modified or upgraded without notice. Empire Life Investments does not guarantee the accuracy or completeness of any of the Web site content, its functionality or transmission capability.

Empire Life Investments provides its Internet Service on this Web site to you, subject to these terms of use which may be updated by us from time to time without notice to you. By accessing or using the Internet Service, you acknowledge and agree to these terms of use. In addition, you shall be subject to any other guidelines or rules applicable to the Internet Service which may be published from time to time. All such guidelines or rules are hereby incorporated by reference into these terms of use. If you do not agree with these terms of use, please exit this Web site.

Empire Life Investments makes commercially reasonable efforts to maintain the availability of this Web site. However, Empire Life Investments reserves the right to shut down this Web site in order to perform maintenance, updates and other reasonable adjustments. Some or all of the Internet Service may be unavailable during such times.

Empire Life Investments reserves the right at any time to modify or discontinue, temporarily or permanently, the Internet Service (or any part thereof) with or without notice. You agree that Empire Life Investments shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Internet Service. You agree to indemnify and hold Empire Life Investments (and its officers, agents and employees) harmless from any claim or demand, including reasonable legal fees and expenses, made by any third party due to or arising out of your use of the Internet Service, your connection to the Internet Service, or your violation of the terms of use.

You agree that Empire Life Investments, in its sole discretion, may terminate use of the Internet Service for any reason, including, without limitation, if Empire Life Investments believes that you have violated or acted inconsistently with the letter or spirit of the terms of use. You agree that any termination of your access to the Internet Service under any provision of the terms of use may be effected without prior notice. Further, you agree that Empire Life Investments shall not be liable to you or any third party for any termination of your access to the Internet Service.

You agree that you will not (i) interfere with the functioning of the Internet Service; (ii) bypass any measures used to secure or restrict access to the Internet Service; (iii) impose an unreasonable or disproportionately large burden on the Internet Service's infrastructure; or (iv) employ any automatic devices or means to use or access the Internet Service.

If you have access to password protected sections of the Web site, you may provide or be provided with confidential or personal information which must be collected, used and disclosed in accordance with the laws and industry guidelines relating to privacy in the jurisdictions in which we operate. (Please see our On-line Privacy Policy for more information relating to privacy.) You agree to keep any password strictly confidential and to be responsible for any Internet Service use connected to your password. You also agree to notify Empire Life Investments immediately if you know or have reason to believe that the security of your password has been compromised.

You acknowledge and agree that the information presented to you through the Internet Service is protected by copyrights, trademarks, service marks, patents and/or other proprietary rights and laws. Except as expressly authorized by Empire Life Investments, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Internet Service, in whole or in part.

Your use of the Internet Service is at your sole risk. Any material downloaded or otherwise obtained through the use of the Internet Service is at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. The Internet Service is provided on an "as is" and "as available" basis. Empire Life Investments expressly disclaims all warranties of any kind, whether express or implied.

Without limiting the generality of the foregoing, Empire Life Investments makes no warranty that

(i) the Internet Service will meet your requirements,  
(ii) the Internet Service will be uninterrupted, timely, secure or error-free, or  
(iii) any errors will be corrected.

No advice or information, whether oral or written, obtained by you from Empire Life Investments or through or from the Internet Service shall create any warranty not expressly stated in the terms of use.

The Internet Service is not intended to provide financial, legal, medical, accounting or tax advice, and should not be used or relied upon as a substitute for professional advice or your independent research.

This Web site may provide links to other Web sites or resources or it may be accessed via a link from other Web sites or resources. Empire Life Investments has no control over these Web sites or resources, does not endorse any content found on them, and is not responsible for any consequences resulting from your use of them.

Empire Life Investments shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if Empire Life Investments has been advised of the possibility of such damages), resulting from:

(i) the use of, or the inability to use, the Internet Service,  
(ii) unauthorized access to or alteration of your transmissions or data, or  
(iii) any other matters relating to the Internet Service.

The laws of the Province of Ontario and the applicable laws of Canada shall govern the terms of use and the relationship between you and Empire Life Investments with respect to the use of the Internet Service. You hereby consent and submit to the jurisdiction of the courts of the Province of Ontario in connection with any proceedings arising from the Internet Service or your use of this Web site.

The failure of Empire Life Investments to exercise or enforce any right or provision of the terms of use shall not constitute a waiver of such right or provision. If any provision of the terms of use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision, and the other provisions of the terms of use shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Internet Service or the terms of use must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The information herein is not intended to provide legal, accounting, tax or investment advice. If such advice is required, you should seek the services of a qualified professional. Views expressed regarding any particular company, security, industry or market sector are the views of only that individual at that time, are subject to change and do not necessarily represent the views of Empire Life Investments.

The Empire Life Insurance Company and Empire Life Investments Inc. (“Empire Life”), are committed to respecting your privacy and protecting your personal information. Here's an overview of our personal information practices. Please read our Privacy Notice for full details or click on any link below for more information on a specific topic.

To develop new and innovative products, to improve our existing offerings and to be an organization that is simple, fast and easy to deal with, we may use your personal information to conduct analytic studies or develop artificial intelligence (AI) or machine learning models. Generally, we use de-identified personal information to conduct our studies or develop new models, but if we require identifiable personal information, we'll first obtain your consent.

Automated decision-making is the process of rendering a decision by automated means without any human involvement which may include the use of artificial intelligence or machine learning.

If Empire Life uses your personal information for automated decision-making, we will:

• ensure it is lawful, fair and transparent, and
• inform you before or at the time the decision is rendered.
• You'll have the right to request the:
• personal information used to render the decision;
• the principal factors that led to the decision (with some exceptions); and
• personal information used to render the decision be corrected, if it was inaccurate.

You'll also have the right to ask questions regarding any automated decision made by Empire Life impacting you.

Our website uses:
Session cookies to enable our website to remember your journey through our website. If we didn't use a session cookie, the website would think you were a new visitor every time you moved to another page (i.e., you couldn't go back to the page you were just on). This type of cookie is temporary and is deleted when you close your browser. Session cookies contain session information only.

Persistent cookies to function as your identification card - recording your preferences. This type of cookie persists after you close your browser and has an expiration date.

Performance cookies to improve our website's performance by, for example, counting page visits, examining how much time a user has spent on a website and/or analyzing loading speeds. They also enable our website to collect analytics data and perform other functions that provide a good user experience.

Our cookies do not collect personal information

Privacy Policy

The protection of personal information is an integral part of doing business at Empire Life Investments Inc. (“ELII”). Protecting personal information is important to us and this policy sets out how we collect and manage personal information in a manner that protects the personal privacy of our clients, contractors and employees.

In this document, "personal information" means any factual or subjective information concerning an identifiable individual.

Personal information may be collected concerning a variety of individuals with whom our company does business, including from clients, beneficiaries, employees, contractors and dealers.

Personal information can be collected in a variety of forms, including written (such as correspondence and memoranda) as well as electronic communications and records, video or audio recordings and photographs.

Examples of personal information include information concerning an individual's name, age, sex, health, personal characteristics or personal and financial circumstances. Personal information can also include such things as identification numbers (such as SIN or employee numbers), banking and income information and employment records. 

Personal information does not include the name, title or business address, telephone number or e-mail address of employees of an organization. 

At ELII, we follow 10 privacy principles:

ELII is responsible for personal information under its control and has designated an individual or individuals who are accountable for compliance with this policy. 

ELII, its employees and contractors are responsible for all personal information in their possession or control, including information that has been obtained from or transferred to a third party for processing.

A Privacy Officer has been designated as accountable for adherence by ELII to this policy and applicable privacy statutes, regulations and guidelines. Where appropriate, the responsibilities of the Privacy Officer may be delegated to an individual or individuals within a particular business area familiar with the nature of the personal information collected within the area and any special needs the area may have concerning the protection of personal information.

ELII will identify the purposes for which personal information is being collected before or at the time that the information is collected. 

ELII collects personal information in a number of ways. For example, information may be collected on an application, during a personal interview or through other means. Prior to or at the time of collection, ELII will identify the purpose of collection. This may be communicated in writing or orally, depending upon the manner in which the information is collected. 

Persons collecting personal information are expected to be able to explain to individuals the purposes for which the information is being collected.

ELII will not collect, use, or disclose information beyond that required to fulfil the purposes specified at the time of collection.

Unless the new purpose is required by law, before using personal information for a purpose not previously identified, the company will identify the new purpose and obtain the consent of the individual to its use.

ELII must obtain the knowledge and consent of the individual to the collection, use and disclosure of personal information, except where inappropriate. 

Usually, ELII will obtain consent for the use or disclosure of personal information at the time of collection. Sometimes, consent will be obtained after the information has been collected but prior to use (for example, when the company wishes to use information for a purpose not previously identified). 

ELII may seek consent in a variety of ways, depending on the circumstances and the type of information collected. The company will generally seek express consent when the personal information is likely to be considered sensitive. 

Sometimes consent may be obtained from an authorized representative, such as a legal guardian or person holding a power of attorney.

Implied consent may be inferred in circumstances where the information is less sensitive and consent to collection, use or disclosure can be reasonably inferred.

In certain limited circumstances, personal information can be collected, used, or disclosed without the knowledge and consent of the individual. For example, legal or security reasons may make it impossible or impractical to seek consent. When information is being collected for the investigation of a potential breach of contract, the prevention or detection of fraud or for law enforcement purposes, seeking the consent of the individual might defeat the purpose of collecting the information. Similarly, seeking consent may be impossible or inappropriate when the individual is a minor, seriously ill, or otherwise incapacitated.

An individual may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. ELII will inform the individual of the implications of such withdrawal, which may include the inability to administer an account and/or maintain record of the units.

The collection of personal information will be limited to that which is reasonably necessary for the purposes identified by ELII. Information shall be collected only by fair and lawful means.

The company will not collect personal information indiscriminately. Both the amount and the type of information collected shall be limited to that which is reasonably necessary to fulfil the purposes identified. 

Information will be collected in a manner that complies with the company's obligations to identify the purpose of collection and to obtain the consent of the individual to collection, use and disclosure of personal information.

ELII will not use or disclose personal information for purposes other than those for which it was collected, except with the consent of the individual or in accordance with the exceptions set out above. Personal information will be retained only as long as necessary for the fulfilment of those purposes. 

Personal information that has been used to make a decision about an individual will be retained long enough to allow the individual access to the information after the decision has been made.

Personal information that is no longer required to fulfil its purpose shall be destroyed in accordance with the Empire Life Record Retention policy.

Personal information will be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.

The extent to which personal information shall be updated will depend upon the use of the information, taking into account the interests of the individual. Information will be sufficiently accurate, complete and up-to-date to minimize the possibility that inappropriate information may be used to make a decision about the individual. 

ELII will not routinely update personal information, unless such a process is necessary to fulfil the purposes for which the information was collected.

Personal information will be protected by security safeguards appropriate to the sensitivity of the information.

ELII has implemented security safeguards and appropriate training to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. 

Security safeguards vary depending on the nature and format of the information collected. The methods of protection include physical, organizational and technological measures designed to limit access to authorized persons, ensure the integrity of the information and protect it from unauthorized use or disclosure. 

Security safeguards also include steps to ensure that all third parties with whom we contract and who may be required to handle personal information have implemented comparable security measures.

ELII will make readily available to individuals specific information about its policies and practices relating to the management of personal information. 

The information made available shall include: 

• the name or title, and the address, of those accountable for the company's policies and practices and to whom complaints or inquiries can be forwarded;
• the means of gaining access to personal information held by the company;
• a description of the type of personal information held the company and a general account of its use;
• a copy of this policy and any other brochures or information that explain or elaborate upon this policy; and
• what personal information is made available to related organizations or subsidiaries.

Upon request, an individual will be informed of the existence, use, and disclosure of his or her personal information and shall be given access to that information. An individual will be able to challenge the accuracy and completeness of the information and have it amended as appropriate. 

Upon request, ELII will inform an individual whether or not is holds personal information about the individual, will permit the individual to access the information and provide an account of the use made of the information, including any disclosure to third parties (if any).

In certain situations, ELII may not be able to provide access to all of the personal information it holds about an individual. Exceptions to the access requirement will be limited and specific, and the reasons for denying access will be provided to the individual upon requests. Exceptions may include information that is prohibitively costly to provide, information that contains references to other individuals, information that cannot be disclosed for legal security, or commercial proprietary reasons, information that has been obtained in the course of an investigation of a potential breach of contract or fraud, and information that is subject to solicitor-client or litigation privilege.

ELII will respond to an individual’s request within a reasonable time and at minimal or no cost to the individual. The requested information will be provided or made available in a form that is generally understandable. For example, when abbreviations or codes are used an explanation will be provided upon request. If the individual requests copies of any of the documents in the files of ELII, a reasonable fee may be charged for duplication. 

When an individual successfully demonstrates the inaccuracy or incompleteness of personal information, ELII will amend the information as required. Depending on the nature of the information challenged, amendment may mean the correction, deletion or addition of information. 

When a challenge is not resolved to the satisfaction of the individual, the substance of the challenge will be recorded. The individual will also be entitled to place in the file a statement as to their position and the documents they rely on in support of that position.

An individual may address a challenge concerning compliance with this policy to the Compliance Officer at ELII. 

ELII will inform individuals who make inquiries or lodge complaints of the applicable complaint handling protocol. 

ELII will investigate and respond to all complaints in accordance with the applicable departmental complaint handling protocol. If a complaint is found to be justified, ELII will take appropriate measures, including if necessary, amending its policies and procedures.