Ajusto® – Program Terms and Conditions
Your Automobile Insurance
Program Terms and Conditions
136 005 (2019-07) W
Ajusto section refers to: the Ajusto section within the Application.
Application refers to: The Desjardins Insurance Home-Auto Application.
CMT refers to: Cambridge Mobile Telematics Inc.
Collected Data: has the meaning set out in section 3.2.
Data Collection Period: has the meaning set out in section 2.4(b).
Driving trip refers to: any recorded trip that the Ajusto section attributes to the operation of a vehicle by the Enrolled driver.
Enrolled driver refers to: the Principal driver of an Enrolled vehicle who has downloaded the Application and activated the Ajusto section on his/her smartphone (see section 1).
Enrolled vehicle refers to: any described automobile that has been enrolled in the Program (see section 2.1).
Named insured(s) refers to: the only individual(s) who can make any additions, modifications or deletions to the insurance contract. The Named insured(s) are the registered owner(s) or lessee(s) of the described automobile(s) on the automobile insurance contract.
Phone number to call: 1-888-277-8726
Principal driver refers to: in connection with a described automobile, the person who drives the described automobile most often. The Principal driver may or may not be the Named insured of the vehicle.
Program refers to: Ajusto Program
Terms and Conditions refers to: the Terms and Conditions set out in this document.
We / Us / Ours refers to: Desjardins General Insurance Inc.
Website address: https://www.desjardinsgeneralinsurance.com/ajusto
You / Your / Yours refers to: each Named insured of the Enrolled vehicle(s).
Participation in the Program is expressly conditioned on Your acceptance of these Terms and Conditions. Downloading the Application and activating the Ajusto section by the Enrolled driver on his/her smartphone constitutes the Enrolled driver’s acceptance of these Terms and Conditions. The Program is completely voluntary. The Enrolled driver who does not wish to agree with any part of these Terms and Conditions should not activate the Ajusto section and may not participate in the Program. Please see the minimum Program eligibility requirements in section 2.3. Please also note that You and/or the Enrolled driver can opt out of the Program at any time (see section 2.8).
We reserve the right to modify these Terms and Conditions. These Terms and Conditions can also be viewed at any time on the Application.
These Terms and Conditions do not change the Usage Rules set forth in the Apple App Store Terms and Conditions or in the Google Play Terms of Service, whichever apply.
2. About the Program
The Ajusto section collects and transmits information to CMT and Us on the driving behaviour of the Enrolled driver. We use that information to calculate the amount of the Program premium discount You may be eligible for. As a result, it gives You greater control, as Your insurance premium is based in part on the way the Enrolled driver drives during the Data Collection Period.
2.1 Enrollment of a Vehicle in the Program
You can enroll a vehicle in the Program by contacting Us. When You enroll the vehicle in the Program You agree to provide Us with a valid email address or cellphone number, and confirm that the Principal driver has a smartphone which is compatible with the Ajusto section and has and will maintain a data plan or have Wi-Fi access for the duration of the vehicle’s enrollment in the Program.
2.2 Enrollment of a Principal driver of an Enrolled vehicle in the Program
The Principal driver of an Enrolled vehicle wishing to enroll in the Program will be required to download the Application and activate the Ajusto section on their smartphone with an operating system which is compatible with the Application. The Principal driver of an Enrolled vehicle will also be required to have and maintain a data plan or have Wi-Fi access for the duration of their Data Collection Period. Principal driver’s date of birth and a valid email address will be required to be entered to complete the activation of the Ajusto section. When the Ajusto section is activated, it will record information about the Enrolled driver as detailed in section 3.2 that will be transmitted to CMT and to Us.
2.3 Minimum Eligibility Requirements for Enrollment in the Program
- You have at least one Enrolled vehicle (see section 2.1);
- You and the Principal driver have confirmed that the Principal driver of the Enrolled vehicle has a smartphone (iPhone or Android) which is compatible with the Ajusto section and that the Principal driver has and will maintain a data plan or have Wi-Fi access;
- You have provided a valid email address or cellphone number for yourself;
- You and the Enrolled driver have agreed to the Terms and Conditions of the Program (see section 1).
2.4 Eligibility for the Program Discount
You may be eligible for a Program discount for each Enrolled vehicle calculated based on the Collected Data from the Enrolled driver as referred to in section 3.2, and in particular their:
- fast acceleration and hard braking, speed,
- time of day travelled,
- distance and duration of Driving trip, driver distraction,
- road type (e.g., highway, gravel, etc.),
- Driving trip stability (e.g., travel location, day of the week, etc.), as derived by the Ajusto section and CMT.
The Enrolled driver must remain enrolled in the Program continuously from the date of activation of the Ajusto section in order to have his/her Collected Data reflected in the Program discount offered.
2.4(a) If You were enrolled in the Program prior to July 11, 2019 and continue to be enrolled in the program as of July 11, 2019, the Program discount generated and applied to Your policy will continue to be applied to this and subsequent renewals of Your insurance contract. Subject to section 2.5 below, no further data will be collected and used to determine the Program discount.
2.4(b) If You became enrolled in the Program on or after July 11, 2019, once the Principal driver has enrolled and has had Collected Data for at least 100 days of Program enrollment and has recorded at least 1,000 km of Driving trips as an Enrolled driver (“the Data Collection Period”), the Program discount will be determined and applied mid-term to Your current insurance contract and thereafter to each subsequent insurance contract renewal period. The program discount will be calculated based on section 2.4 of the version of Terms and Conditions accepted at the time of activation of Ajusto section. Subject to section 2.5 below, no further data will be collected and used to determine the Program discount. We reserve the right at Our sole discretion to extend the Data Collection Period should We not be able to capture an accurate assessment of the Enrolled driver’s driving behaviour.
2.5 Request for updating of Collected Data
If We feel that the existing Collected Data needs to be refreshed, or has become dated, or if We believe that the Collected Data is not reflective of the Enrolled driver’s actual driving behaviour, or if there has been a material change in Your risk characteristics, We may require a new set of Collected Data pursuant to section 2.4(b) above. Changes in Your risk may include, but are not limited to:
- change in Your address;
- change in the Principal driver of an Enrolled vehicle.
You or the Enrolled driver may request to refresh and update Your Collected Data at any point in time by contacting Us.
If upon Our request You or the Enrolled driver refuse to refresh and update the Collected Data, Your participation in the Program will be terminated on notice to You and the Program discount will be removed for every Enrolled vehicle effective as of the date of the termination. Your premium for the current insurance contract term will be adjusted accordingly.
Any Program discount currently applied will continue to apply until a new Program discount has been determined pursuant to section 2.4(b).
2.6 Operational Note
The Ajusto section uses a certain amount of power from the smartphone battery. Care should be taken in ensuring the smartphone is charged and turned on when driving to record the information for the Program. This Application may require periodic updates and You and the Enrolled driver agree that updating the Application from time to time is the responsibility of the Enrolled driver. The Application once downloaded and the Ajusto section activated is not to be deleted or turned off or the Ajusto section deactivated, as the Application with the Ajusto section on the Enrolled driver’s smartphone will be activated each time the Enrolled driver starts a trip as detailed in section 2.13. The location services (GPS) should be on at all times to provide for accurate data collection.
2.7 Program Feedback
After enrolling in the Program, the Enrolled driver can access their Ajusto section to view feedback on how they have driven. The Enrolled driver will be able to view an overall score for their driving. All feedback provided is based on their driving as recorded by their Ajusto section. At the end of the Data Collection Period, the data collection will stop. However, the Enrolled driver may choose to continue to receive the feedback on their Driving trips in which case the data will continue to be collected but not used for Program discount purposes by Us. The Enrolled driver will be required to have and maintain a data plan or have Wi-Fi access for the duration the Enrolled driver wants to continue receiving the Program feedback. The feedback is for the Enrolled driver’s information only unless data capture is required, pursuant to section 2.5 above. Once the Data Collection Period has ended and if the Enrolled driver chooses not to receive the feedback on their Driving trips, the Enrolled driver can disable the Application’s geolocation service at any time from their mobile device settings.
2.8 Terminating Participation in the Program during the Data Collection Period
You can terminate an Enrolled vehicle’s enrollment in the Program at any time during the Data Collection Period, without penalty, by contacting Us. The Enrolled driver can have his/her enrollment terminated at any time during the Data Collection Period, without penalty, by having You contact Us. If the Enrolled driver’s enrollment in the Program is terminated, then every Enrolled vehicle noted on Your insurance contract as most often driven by the Enrolled driver ceases to be enrolled in the Program effective as of termination of the Enrolled driver’s enrollment.
The Enrolled driver who terminates his/her enrollment in the Program should immediately deactivate the Ajusto section to prevent further Collected Data being submitted to Us.
2.9 Who Owns the Application and Ajusto section
The Application and Ajusto section are the property of Desjardins General Insurance Group Inc. and are provided to the Enrolled driver in the Program. Desjardins General Insurance Group Inc. retains all right, title, and interest in and to the Application and Ajusto section. You and the Enrolled driver may not reverse engineer, decompile, alter, duplicate, translate, make copies, or create derivative works from the Application and Ajusto section, or otherwise attempt to derive the source code of the Application and Ajusto section, except to the extent allowed under applicable law. If applicable law permits such activities, any information discovered as a result of these activities must be promptly disclosed to Us as it is deemed to be the confidential and proprietary information of Ours.
2.10 Wireless or Cellular Service
The Enrolled driver will have a choice, managed from within the Ajusto section, to have the Ajusto section send Collected Data only through Wi-Fi networks, or through cellular networks. The Enrolled driver will be responsible for any data charges and expenses associated with their use of the Ajusto section.
2.11 Transferring the Application to Another Smartphone
The Application must be installed and the Ajusto section activated on the smartphone of the driver who enrolls in the Program. Transferring the Application and activating the Ajusto section by the Enrolled driver to a different smartphone is permitted by following the procedure when downloading the Application and activating the Ajusto section on the new smartphone as an existing client.
2.12 Substituted Vehicle or Additional Vehicle
If at any time during the insurance contract term You substitute an Enrolled vehicle with another vehicle, or insure an additional vehicle, You may enroll the substitute vehicle or additional vehicle in the Program by contacting Us.
2.13 Use of the Ajusto section on Each Driving Trip
Once the Application has been installed and the Ajusto section activated, the Application and the Ajusto section must be running at all times until the Data Collection Period has ended. The Enrolled driver must carry the smartphone on which the Application is installed whenever operating any vehicle in North America (whether or not the vehicle is enrolled in the Program), so that the Ajusto section can detect and record when the Enrolled driver starts a Driving trip during the Data Collection Period. The Ajusto section running on the Enrolled driver’s smartphone must be permitted to detect and record the Enrolled driver’s Driving trips. The Ajusto section will identify all trips as Driving trips (i.e., trips where the Ajusto section determines that the Enrolled driver was operating a vehicle), or non-Driving trips (i.e., where the Ajusto section determines that the Enrolled driver was not operating a vehicle). It is the obligation of the Enrolled driver to periodically check his/her Ajusto section and to exclude trips that the Ajusto section has incorrectly determined to be Driving trips by the Enrolled driver. Any exclusions must be completed prior to viewing the details of the trip and within 30 days of the trip or it will be deemed a Driving trip attributable to the Enrolled driver. No data regarding trips outside of North America are used to calculate the discount.
2.14 Removal from the Program
If there is a pattern of behaviour which suggests that reported driving behaviour is not representative of actual driving behaviour of the Enrolled driver, We will give You written notice explaining the situation and notifying You that We propose to terminate the Enrolled driver’s enrollment in the Program unless the situation is remedied within 30 days of Our notice. The Enrolled vehicle will be removed from the Program immediately upon the Enrolled driver ceasing to be enrolled in the Program. If this occurs, and the situation is not remedied within 30 days of Our notice, You will still remain insured with Us; however the Program discount for the Enrolled vehicle will be removed effective the day following the last day of the 30 day notice period, and Your premium for the current insurance contract term will be adjusted accordingly.
3.1 Protecting Your Privacy
An important part of Our commitment to provide You with service excellence is Our respect for Your privacy. We are committed to protecting Your privacy and earning Your trust, and understand that You may have concerns about how We use the Collected Data as referred to in section 3.2. For further details, please refer to sections 3.2, 3.3 and 3.4 below and to the Management and protection of personal information policy for mobile application users at https://www.desjardinsgeneralinsurance.com/privacy/mobile-app-policy.
We provide to Our partner CMT is the date of birth of the Enrolled driver when the Enrolled driver activates the Ajusto section. This information is provided to CMT only to validate the activation of the Ajusto section by the Enrolled driver.
The Collected Data pertaining to the Enrolled driver will be used by CMT only to deliver the Program services described in these Terms and Conditions. Neither We nor CMT will otherwise collect or use personal information (which includes Collected Data) or disclose or transfer personal information to any third party except as required by law.
We will use Your email or cellphone number to provide You with information about the Program. We will not use Your email or cellphone number to solicit You for any other products and services unless We have obtained Your consent to do so.
3.2 Information the Ajusto Section Collects
When Ajusto section is activated, the Ajusto section records:
- smartphone location (GPS),
- accelerometer and gyroscope data (speed, fast accelerations and hard braking),
- time of day travelled,
- battery levels,
- anomalies (turning off the phone and revoking access to geolocation information).
This information is transmitted wirelessly to CMT. Other information is derived, as described in section 2.4, by CMT from this information.
Collectively all of the above types of information are referred to as "Collected Data". This Collected Data is then sent securely by CMT to Us. It is important to understand that all of the information collected is at the Enrolled driver level. For example, the Ajusto section derives and attributes any event of hard braking to the Enrolled driver, not to a vehicle.
It is also important to note that the Ajusto section collects and transmits the Enrolled driver’s Collected Data regardless of the vehicle that the Enrolled driver is operating at the time. In other words, the Collected Data applies to any vehicle operated by the Enrolled driver, not just the Enrolled vehicle.
All Collected Data regarding any movement identified by the Ajusto section as movement on foot, or a trip of less than 1 km will be deleted from the smartphone immediately after being transmitted to CMT. Such Collected Data will be used by Us and by CMT only for the purpose of improving the accuracy of the Ajusto Program.
3.3 How Collected Data is Used
The Collected Data, derived as described in section 3.2, is at the Enrolled driver level and will be used by Us to calculate the appropriate level of Program discount, based on the driving behaviour of the Enrolled driver as outlined in section 2.4.
To the Enrolled driver: Please note that We may disclose to the Named insured(s) particulars of the recorded driving behaviour of the Enrolled driver in the circumstances described in sections 2.4 and 2.14 above.
Collected Data will not be used to cancel Your insurance contract, or to refuse to renew Your insurance contract, or to increase Your premium during the term of Your insurance contract or on renewal. Please note, there continue to be a number of other factors that can impact Your overall premium, including chargeable accidents or traffic convictions that may occur during the insurance contract term.
We will not sell or otherwise disclose Collected Data to any third party except as required by law. We will not use Collected Data to Your prejudice regarding an insurance claim You have with Us or in any claim that is brought against You.
4.1 Licence to use
Provided that You and the Enrolled driver comply with all of these Terms and Conditions, We grant You and the Enrolled driver a revocable, limited and non-transferrable licence to use the Ajusto section in the Application on any smartphone that is owned or controlled by the Enrolled driver and as permitted by Usage Rules set forth in the Apple App Store Terms and Conditions or the Google Play Terms of Service, whichever is applicable.
4.2 Disclaimer of Warranty
This Application is licensed "as-is", "with all faults" and "as available". The Enrolled driver bears the risk of using it. We, on behalf of ourselves, the creator of the Application, distributors of the Application, network operators over whose network the Application is distributed, and each of their respective affiliates and suppliers, give no express or implied warranties, guarantees, or conditions under or in relation to the Application. This includes, but is not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the functionality or operation of the Application will be uninterrupted or free from error, that any defects in the Application will be corrected, or that the Application or the server(s) that makes it available are free of viruses or other harmful conditions or components.
Subject to section 1 above, We reserve the right to modify or terminate the Program at any time and for any reason.
Ajusto® is a trademark of Desjardins General Insurance Inc. DESJARDINSTM and related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence by Us. These trademarks are protected by Canadian laws.
By downloading the Application and activating the Ajusto section, You and the Enrolled driver represent that You are the Named insured or the Principal driver of the Enrolled vehicle, and that You and the Enrolled driver consent and agree to:
- Your participation in the Program,
- these Terms and Conditions as they apply to You and the Enrolled driver,
- the collection, use and disclosure of Your personal information, including Collected Data, in the manner and for the purposes described in these Terms and Conditions and in the Management and protection of personal information policy for mobile application users, and
- the retention and use by CMT and Us of Your personal information, including Collected Data, as described in these Terms and Conditions.
Except as otherwise provided in these Terms and Conditions, all limits, terms, conditions, provisions, definitions and exclusions of the insurance contract shall have full force and effect.