Cookies policy
MICA respects your privacy

We have written this policy to tell users of the websites, including its authorized sub-sites, how MICA collects, uses and discloses personal information collected about them when they visit the website. (This policy applies to its authorized sub-sites that expressly adopt, post or refer to this policy. (This policy applies to www.micasf.comet its authorized sub-sites that expressly adopt, post or reference this policy.)

Our policy outlines options for managing cookies(also known as cookies) and helps you decide what information you want to share with us when you browse our sites.

This policy supplements our privacy policy.
any questions related to the protection of personal information, please contact our Privacy Officer at the following coordinates:

‍MICAfinancial services firms
Chief Privacy Officer
7900 boulevard Pierre-Bertrand, Suite 300
Quebec City, Quebec G2J 0C5

What is a cookie? 

A cookie is a small electronic file that your browser installs on your device when you visit a website. This file allows us to store certain information (as described below) so that we can recognize you on subsequent visits to our websites. This enables the site to offer you a smooth, personalized experience that meets your needs.

Web beacons are cookies in the form of tiny images that we may embed in our websites or e-mails. They can be used anonymously to track the number of times a page on our sites is visited. As their name suggests, these pixels are invisible and can be placed in various places on our sites, even in advertisements. Unlike cookies, web beacons are not stored on your device.

The term "browser" here refers to the software you use to access the Internet, such as Chrome or Firefox. As for "device", it refers to your computer, smartphone, tablet or any other device used to browse the Internet.

Cookies can be temporary or persistent: Temporary:

files are deleted from your device once your browsing session is over and your browser is closed.
‍Persistent: files are stored on your device until they are deleted.

In this Policy, the use of the term "cookies" refers to all similar technologies enabling us or our partners to analyze a user's browsing and device data.

What type of information can be collected and stored in a cookie file?

With your consent (unless it is essential for a cookie), a cookie may temporarily or persistently record the following information on your device:

- The source of your visit to our websites (e.g. social networks, e-mail, other website, etc.)

- Your activities on our websites (e.g. date and time of start and end of your visit, pages viewed, clicks, forms started or completed for product registration, etc.).)

- The advertisements and links you click on

- The type and version of browser you use (e.g. Chrome or Firefox)

- The type and version of operating system on your device (e.g. Microsoft or iOS)
- The type and model of your device (e.g. phone, tablet or computer)

Any other information you provide to us when using our websites (e.g. language preference and login credentials) or that enables us to respect your preferences regarding the use of cookies.

IP addresses are not stored by cookies, but may be transmitted to our partners when you authorize the use of cookies. An IP address is a numerical code used to identify a device connected to the Internet. It can be used to locate the region where a device is located and to identify the Internet service provider associated with that device.

Who installs cookies on your device?

When you authorize the use of cookies on your device, they may be installed by us or by one of our partners.

Third-party cookies installed by our partners allow them to access the information contained in these files (e.g. your browsing statistics). Our partners handle cookies in accordance with their own privacy and cookie protection policies.

What types of cookies do we use and for what purposes?

With your consent, we may use the following types of optional cookies on our websites.

There are various categories of cookies.

1. Necessary cookies

These cookies enable you to enjoy all the functionalities of our sites and to navigate them in an optimal and secure manner. For example, by detecting repeated connection failures, necessary cookies prevent unauthorized persons from accessing your account.

They are also used to ask your opinion and assess your satisfaction in relation to a specific subject. They are used, for example, to ensure that a survey is relevant to your browsing habits and to avoid sending you the same survey more than once.

Necessary cookies also enable us to comply with our legal obligations.

These cookies may be used to :

- offer you a site in the language of your choice and adapted to your region
- make our sites easier to use
- authenticate and identify you
- keep your login in memory when you connect
- improve the security of our sites
- prevent fraud
- evaluate your satisfaction

2. Performance cookies

These cookies enable us to analyze visitor behavior on our sites in order to improve their operation.

The information stored by these cookies does not directly identify you. Without them, your visit information will not be taken into account to measure the performance of our sites. However, other information about your browsing that does not come from cookies may be used for analytical purposes, such as the number of pages viewed.

These cookies can be used to evaluate:

- visits and browsing paths on our sites
- the means by which people access our online services
- the ease with which users find what they are looking for

3. Personalization cookies

These cookies enable us to adapt the content we offer to your browsing history and previous preferences. For example, they retain information entered in forms and help improve your user experience. Their use includes:

- retaining information when filling in forms
- improving customer knowledge
- personalizing and adapting the user experience

4. Targeted advertising cookies

These cookies enable us to provide personalized offers and services based on your interests and browsing activity on our sites, including our mobile applications.

They are used to:

- Deliver personalized advertising on other sites, including social networks.
- Measure the effectiveness of advertising campaigns.-
- Limit the repetition of advertisements.-
- Establish advertising partnerships.-
- Conduct market research.-
- Improve our products and services.

Why do we use Google Analytics?

This site uses Google Analytics, a web analytics tool.

The information collected by the tool includes, for example, the pages you visit, the date, time, duration and frequency of your visits, and the links you click on. Your IP address is also collected, but anonymized to ensure the confidentiality of your information.

Google only uses the information collected to produce statistics, which enable us to improve the user's browsing experience. Google does not link the information collected on this site to any other data held by Google.

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How long do we keep your cookie preferences?

We store your cookie preferences on a device for 6 months. Once this period has expired, you will again see the banner explaining the use of cookies.

This period may be different for certain browsers, such as Safari or Firefox. After a fixed number of days, these browsers automatically delete all cookies, including the one that remembers your cookie preferences. You may therefore be presented with our banner more frequently if you use one of these browsers. For more details, please consult your browser's user guide.

You may see the banner again if you delete the cookies yourself, activate private browsing on your web browser or if we make changes to our websites.

How do I delete the information stored in cookies?

To delete cookies, you need to clear your browsing history by selecting cookies in your web browser. Consult your browser's user guide to find out how to delete cookies manually.

Your cookie preferences are modified in real time from our banner. However, changing your preferences does not erase information already stored by other cookies.

How do you manage your cookie preferences?

You can change your cookie preferences at any time by clicking on the buttons allowing you to express your choices. This will allow you to review the cookie consent banner and change your preferences or withdraw your consent immediately.

In addition to this, different browsers offer different methods for blocking and deleting cookies used by websites. You can modify your browser settings to block/delete cookies. Below are links to support documents on how to manage and delete cookies for the main web browsers.

‍Internet Explorer: explorer-bca9446f-d873-78de-77ba-d42645fa52fc

If you are using another Web browser, please consult your browser's official support documentation.

Social media platforms and third-party sites

We maintain an active presence on various social media platforms, such as Facebook (Meta) and LinkedIn. Please note that when you choose to interact with us on these platforms, you are subject to the specific terms and policies of these social networks.

It is important to note that our websites may contain links to other sites or services that are not under our responsibility. When you leave our websites, the privacy policy mentioned there ceases to apply.

We therefore strongly encourage you to carefully read the privacy policies and cookie policies associated with social media platforms, as well as any other website or service, before providing your personal information.

What are the other conditions of use of our sites?

For all other terms and conditions of use of our sites, please click here.