Privacy Policy

Updated: 01/08/2023

The confidentiality of your personal information is of the utmost importance to Courtage Innovation Inc. (hereinafter, “Innovation” or “we/us”), also doing business under the name of Demano. This Privacy Policy pertains to information that we collect concerning yourself or that you communicate to us via our website located at (the “Platform”), via our telephone call distribution system to the partner brokerage firms (the "Call Distribution System") or otherwise. It also explains how we use cookies and other similar technologies. By communicating your personal information to us, using our Call Distribution System or visiting our Platform, you agree to be bound by the terms and conditions of this Privacy Policy and its provisions.


We collect, use and communicate personal information about you for various reasons, in particular to:


Our Platform uses cookies. A cookie is a very small text file that is automatically stored on the hard drive of a website visitor’s computer. These files help us to ensure the smooth functioning of our Platform and to personalize, facilitate and enhance your visit to our Platform.

If you do not wish to accept these cookies, you may configure your Web browser so you receive a warning when your computer receives a cookie or so cookies are refused automatically. Since the use of cookies is not necessary, users who refuse them can still navigate freely through all the webpages, although they will miss out on certain advantages of the Platform.


On our Platform, we use Google Analytics, a tool used to generate reports on users’ website interactions.

Relying primarily on cookies, Google Analytics collects information concerning your navigation on our Platform. This information is then transmitted to Google and stored on servers typically located in the United States. Google cannot communicate this information to any third parties, with the exception of certain specific circumstances, e.g. in the event of a legal obligation or if third parties are processing data on Google’s behalf.

The information collected by Google Analytics includes, for example, the pages you consult, your interactions with content, your type of browser and operating system, your IP address and the date, time, duration and frequency of your visits.

Google only uses the information collected to produce statistics and reports on navigation on our Platform. This enables us to improve our services.

For further information, please consult Google Analytics’ website and its confidentiality policy.

If you do not wish to transmit information to Google Analytics, you can download and install this module in your Web browser.


We do not transmit any personal information collected by our Call Distribution System or our Platform’s intermediary to anyone without your consent. You can withdraw your consent regarding the communication or use of your information by submitting a request to us to that effect, as detailed below.

In accordance with applicable legislation, we maintain the accuracy and confidentiality of the personal information we collect with respect to users who access our Platform and use our various services.

However, we reserve the right to disclose such personal information if we are required to do so by law or if we believe in good faith that such a move is necessary to ensure compliance with the law or with a legal proceeding, and/or to protect us, defend our rights or property and/or to prevent and detect illegal activities and fraud and/or to evaluate and improve security protection measures.

To meet your needs, however, some of your personal information may still be communicated to brokerage firms with which Innovation does business and to certain insurance companies, as applicable. Some of your information may also be communicated outside Quebec, depending on the location of the insurance companies with which we currently have a partnership or will have in the future.

In addition, a person in charge of data protection ensures that Innovation handles the personal data it holds in accordance with applicable laws and regulations. This person is currently Éric Manseau, Director of Courtage Innovation Inc., who may be reached via email at or by telephone at (450) 674-6258.


This Privacy Policy applies exclusively to our Call Distribution System and our Platform. However, our Platform may contain links enabling individuals to visit external websites that are not operated in accordance with this Privacy Policy. You are advised to consult the policies of the operators of those external websites for clarification on how your personal information is collected, used and disclosed.


As required by law, the personal information collected via our Call Distribution system and our Platform and used to provide you with an insurance quote and to refer you to a brokerage firm is stored for a period of one (1) year. Since our referral services are ultimately designed to provide you with insurance coverage via a brokerage firm, when our services are no longer required and the one-year storage period has expired, your personal information will be depersonalized and stored exclusively for statistical purposes.

Depersonalized information can no longer be used to identify you directly. We will take all reasonable steps to limit the risks of anyone identifying you using depersonalized information.


In the event that we intend to sell or transfer the ownership or control our company, our business or our services to a third party, in whole or in part, we reserve the right to disclose your personal information to a potential buyer before and after the sale. However, if the sale takes place, we will require the buyer to be duly bound by the provisions of this Privacy Policy. If the sale does not take place, we will require the potential buyer not to use or disclose your personal information in any way and to destroy it immediately, without exception.


We take reasonable security measures to protect your personal information from unauthorized access. Our Platform has an SSL certificate designed to keep data and transactions secure. Only authorized persons have access to this information.

However, please be advised that emails are not always a secure means of transmitting information. We cannot guarantee that information transmitted via email will not be lost, altered or used fraudulently or illegally.


We store users’ personal information in accordance with the provisions of this Privacy Policy. As users, you may consult your personal information at any time by submitting a request to that effect and by following the steps detailed below. You may also request that your personal information be rectified. However, your right to access or make corrections to your personal information is subject to applicable legal restrictions.

Any questions, comments or requests concerning this Privacy Policy and your personal information should be addressed to Éric Manseau, Director of Courtage Innovation Inc., via email ( or telephone (450-674-6258).


This Confidentiality Policy may be updated from time to time, in particular due to legislative changes and our marketing activities. You are therefore requested to review this Policy regularly. Any changes will take effect automatically as soon as they are made; the most recent version will be posted as an update notice on the website. Using our Platform or continuing to provide us with your personal information after an update notice has been posted will constitute your acceptance of these changes.


In the event of any divergence in meaning or interpretation between the original French- language version of this Privacy Policy and a translation, the original French- language version shall prevail.