1. ACCEPTANCE OF TERMS

Welcome to the FBL S.E.N.C.R.L. website (“FBL” or “we”), accessible at www.fbl.comBy accessing or using this site, you agree to these Terms of Use and our Privacy Policy. If you do not agree with any part of these, please stop using our website.

We reserve the right to modify this document at any time without notice. The current version is available online.

2. INTELLECTUAL PROPERTY

All content displayed on our website — including texts, images, logos, videos, graphic elements, documents, and more (“the Content”) — is the property of FBL or its partners and is protected by applicable copyright and trademark laws.

You are permitted to view, download, or print a copy of the Content strictly for personal use, provided that all intellectual property notices remain intact. Any other use without written consent is prohibited.

3. LIMITATION OF LIABILITY

The information published on our website is provided for informational purposes only, “as is,” without any warranty of any kind. We do not guarantee the accuracy, completeness, or error-free nature of the content, nor its uninterrupted availability.

FBL disclaims all liability for any direct or indirect damages resulting from the use of the website or its content, including the transmission of computer viruses.

4. LINKS TO THIRD-PARTY SITES

Our website may contain links to other websites. FBL has no control over these sites and is not responsible for their content or privacy practices. We encourage you to review their respective policies.

5. COLLECTION AND USE OF PERSONAL INFORMATION

a) Automatically Collected Information

When you browse our site, we collect certain anonymous data such as your IP address, browser type, and pages visited for statistical purposes.

b) Information Provided Voluntarily

We only collect personal information that you voluntarily provide (e.g., forms, service registrations, contest participation). This information is used solely for the purposes for which it was provided or otherwise with your explicit consent.

6. USE OF YOUR INFORMATION

FBL may use the personal information collected to:

• Communicate with you;

• Manage contests, promotions, or surveys;

• Comply with legal obligations;

• Improve our services and user experience.

We do not sell or share your data without your consent, except where required by law.

7. RETENTION AND SECURITY

Data is retained only as long as necessary to fulfill the purposes for which it was collected. We implement strict security measures—both electronic and physical—to protect your personal information.

8. COOKIES

Our website uses cookies to optimize your browsing experience. You can disable them in your browser settings, though doing so may limit some features.

9. DATA SUBJECT RIGHTS (Bill 25)

You have the right to:

• Access the information we hold about you;

• Request correction or deletion of that information;

• Withdraw your consent to its use.

To exercise these rights, please contact us at the address below.

10. INDEMNIFICATION

By using this site, you agree to indemnify FBL, its employees, officers, subsidiaries, and partners against any claims arising from your use of the site or any violation of these Terms.

11. APPLICABLE LAW

These Terms are governed by the laws of the Province of Québec and applicable Canadian laws. Any disputes shall be submitted to the competent courts in the district of Montréal.

12. CONTACT US

For any questions regarding this policy or your personal information, please contact us at

groupe@fbl.com
FBL S.E.N.C.R.L.

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