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Please read the following Terms of Use carefully before you use this website. By accessing and using the site, you are agreeing to these Terms. If you do not agree to these terms, please do not use the site. 

We may change the terms from time to time, without prior notice. The amended terms are automatically effective as soon as we post them. 

On this page, “you” or “your” mean the person using the site. “We”, “us” or “our” mean The Independent Order of Foresters (Foresters Financial™) and its affiliated companies. Together, we are the “Foresters family of companies”. 

Additional or different terms of use may apply to other websites for the Foresters family of companies, and you should review the terms of use posted on the website(s) you wish to use.

A special notice about My Foresters

If you are a Foresters member, you may be eligible to register for My Foresters, an online member information service that allows you to view your member benefits package1, to register for member events, and to receive other information or services related to your Foresters membership. You will need to meet the eligibility requirements on that site; for example, you must be at least 16 years of age.  

To use the My Foresters site, you will need a user name and password, and any additional security measures that Foresters may require. By obtaining a user name and password, you agree that: 

  • You are responsible for keeping your user name and passwords safe
  • If someone signs in to the My Foresters site using your user name and password, we can treat that person as if they are you.  Please note that member benefits are non-transferable
  • We cannot, and are not required, to confirm the identity or authority of anyone who uses our online services, except by ensuring their password matches their user name
  • We can rely on this user name and password as electronic identification, to accept instructions given online as if you had given us written signed instructions.

Once you register for My Foresters, we may give you the opportunity to choose to receive your yearly Foresters Report to Members and, in the United States, your annual Privacy Notice electronically rather than by mail. Your consent(s) becomes effective as soon as you click on the button that allows you to make this choice. 

By making this choice, you are agreeing that: 

  • We will place a copy of the Report to Members and the Privacy Notice (U.S. only) on the Foresters website.
  • We will keep each Report and Privacy Notice on the website for at least one year, until we release the next year’s Report and Privacy Notice (U.S. only)
  • We will send you a notice each year to the email address you have provided with your My Foresters account, to remind you that the Report and Privacy Notice (U.S. only) are ready
  • We will no longer routinely send you Reports and Privacy Notices (U.S. only) by traditional mail
  • We will provide you with a paper copy of the Report upon your request, even if you received it electronically
  • You will notify us of any changes in your email address by updating on the My Foresters Profile page the email address you provided with your My Foresters account

Privacy and security

We are committed to keeping your personal information safe and secure. Personal Information transmitted to us will be treated in accordance with our Privacy Policy. You can find out more about how we do that by reviewing our Privacy Policy. However, no data transmission over the internet is 100 percent secure and any information discussed online can be potentially interrupted and used by unauthorized parties.

No advice or solicitation of offers

Everyone’s situation and needs are different. This site gives you general information about insurance, and about Foresters products. However, it does not give you financial, tax, legal or other professional advice. You should consult a financial professional if you require any financial or other professional advice. 

The information on the site is also not intended to be an offer by us to enter into a contract with you. If you would like more information about our products, or how to purchase them, contact us here. All products and services are subject to the terms and conditions of all applicable agreements.

Availability

Not all of the products or services described in the site are available in all geographical areas, and the terms and conditions of some products may vary by jurisdiction. You may not be eligible for all of the products we describe. We do not intend to advertise products or services to residents of jurisdictions in which those products or services are not available.

Ownership and use of content

The content of this site is protected by copyright. You can copy information for your own personal non-commercial use, but may not otherwise republish or reproduce any part without the prior written permission of the applicable Foresters Financial company.

Trademarks

Foresters Financial and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters and its subsidiaries owns Foresters™, Foresters Financial™. All rights reserved.

Links

All hypertext-linked websites are completely independent of this site. We do not endorse any external hypertext-linked sites or their products or services. We simply provide these links as a convenience to our site visitors. 

Your responsibility for security

If you download any software from this site, please check to ensure that it is free from viruses, and check to be sure that it is compatible with your computer.

Warranty disclaimer

The use of the site is at your own risk. Foresters Financial provides access to resources and other information on the site as a service to our members, producers and the public. We have taken all reasonable efforts to ensure that the information contained in the site is current, complete and accurate. However, please bear in mind that all information on the site is being offered free of charge and that information has not been tailored for your particular requirements. Foresters cannot therefore warrant or represent that the site is current, complete and accurate and cannot accept any liability for any loss you may incur as a result of relying on that information. All information is subject to modification and update from time to time without notice. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

Governing law

If any provision in these Terms of Use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. These conditions of use shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada. You hereby consent and submit to the exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Toronto in any action or proceeding related to your use of this site.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

1Description of member benefits that you may receive assumes that you are a Foresters member. Foresters member benefits are non-contractual, subject to benefit specific Eligibility requirements, Definitions and limitations and may be changed or cancelled without notice. 

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Enterprise Privacy Statement

As an international financial service provider, Foresters Financial (“Foresters”) is committed to respecting your privacy rights and protecting the Personal Information you provide to us.  Collecting and using this information to provide our products and services to you is essential to our success and to conduct our business.  Our privacy commitment is more than complying with the laws of each jurisdiction where we operate.  It is about doing the right thing for our members and customers whose lives we touch everyday by using their personal information however we collect or receive it.  We collect only the personal information necessary for these purposes and we are committed to protecting and safeguarding that information.  We also ensure that our employees, representatives, suppliers and service providers adhere to our principles and standards when dealing with Foresters business, members and customers. 

Definitions

Foresters – The Independent Order of Foresters, its subsidiaries, licensed representatives and employees.

Personal Information – Any information about an identifiable individual, such as name, age, address, gender, government identification numbers, financial information, health information and medical records.  It does not include publicly available information. 

Principles

We adhere to the following ten principles when handling Personal Information:

Accountability:  We are responsible for Personal Information under our control.  We have established a framework for privacy management across all our business operations and have designated individuals who are responsible for monitoring compliance with our principles, policies, standards and procedures.

Identifying Purposes:  We are transparent about our privacy practices and identify the purposes for which we collect, use, retain and disclose personal information.

Consent:  Your knowledge and consent are required for the collection, use or disclosure of Personal Information, except as otherwise permitted or required by law.  You may provide your consent in writing, verbally, electronically or through our or your authorized representative.  Your consent may also be implied.  This may occur, for example, where the law permits it, if you do not “opt out” of distribution of your Personal Information when we ask you. 

Limiting Collection:  We limit the collection of Personal Information to that which is necessary for the purposes we identify and we collect it fairly and lawfully. 

Use, Disclosure and Retention:
 We do not use, disclose or retain Personal Information for purposes other than those for which we collected it, except with your permission, or as permitted or required by law.  We restrict the disclosure of Personal Information to those who have a need for, and the legal right to, the information.  This may include our employees, licensed representatives or service providers who need the information to perform their duties, some of our business areas and subsidiaries who may, from time to time, offer or promote other financial products, benefits or services, or those of select third parties, that we believe may be of interest to our customers.  We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to our customers. In some instances, our subsidiaries, employees, service providers, representatives, reinsurers, and any of their service providers may be located in other jurisdictions.  Personal Information may then be subject to the laws of those other jurisdictions.  We will not keep Personal Information longer than is necessary and will destroy or delete it in a manner that is appropriate for the sensitivity of the information, the media in which it is stored or retained, and as required by law. 

Accuracy:  We make reasonable efforts to keep Personal Information accurate, complete, and up-to-date as is necessary for the purposes for which we use it.

Safeguarding information:  We classify Personal Information and take reasonable measures to protect it by administrative, physical and technical security safeguards that are appropriate to the sensitivity of the information.  We make every reasonable effort to prevent any loss, misuse, disclosure or modification of Personal Information, as well as any unauthorized access to Personal Information.  

Openness:
 We make information about our privacy policies and practices readily available to you subject to any exceptions permitted by law.  

Individual Access:  Upon written request, we inform you of the existence, use and disclosure of your Personal Information and give you access to it, subject to those exceptions permitted by law.  You may verify the accuracy and completeness of your information and have it amended as appropriate. 

Inquiries and concerns:  Our Chief Privacy Officer is located at our corporate head office in Toronto, Canada.  We also have individuals responsible for privacy in each jurisdiction in which we operate.  If you have any questions, concerns or complaints about the handling of your Personal Information at Foresters, please contact a local privacy officer. 

Chief Privacy Officer
789 Don Mills Road
Toronto, ON  M3C 1T9
416 467 2530
privacy@foresters.com

Canadian privacy policy - see the 'Privacy Policy' tab above
UK privacy policy
US privacy policies

Online Privacy

Some of our websites may use online data collection tools or cookies to improve functionality, enhance security, evaluate the effectiveness of our websites and advertising campaigns, or provide visitors with a customized online experience.  

Local privacy policies

Foresters is an international financial services provider operating in Canada, United States and the United Kingdom.  We may supplement this privacy statement with more specific privacy policies that are in line with this statement and principles and, where appropriate, reflect the legal and operational requirements of our business operations or the countries in which we operate. We will provide you with these policies if they apply to your Personal Information. These specific policies will govern in the event of a conflict with this privacy statement.  

Privacy Policy - Canada

Introduction

At Foresters Financial™, protecting your personal information is important to us. We have a long history of safeguarding the privacy of our members’ and customers’ information. This privacy policy outlines how we use and maintain the confidentiality and security of your personal information.

Information we collect

Collecting personal information from you is essential to our ability to offer you our products and services. We may collect non-public personal information about you from the following sources:

  • Information we receive from you on applications or other forms. This may include your name, address, job and social insurance number. It may also include your assets and income.
  • Information about your transactions with us, our affiliates, or others.
  • Information we receive from consumer reporting agencies and other third parties to process or administer products or services requested by you. This may include your creditworthiness and credit history.
  • Information we receive from health care providers, clinics, or other insurance companies. We may also collect information from the Medical Information Bureau or other persons that have records about you or your health. Outside sources, from whom we obtain information, may retain information and disclose it to other persons.

Online privacy

Some of our websites may use online data collection tools or cookies to improve functionality, enhance security, evaluate the effectiveness of our websites and advertising campaigns, or provide visitors with a customized online experience.

Why we collect your information

Generally, we need to collect Personal Information for a variety of reasons. Depending on the product or service you have with Foresters these might include:

  • Understand your needs and assess future needs through customer surveys, industry or market research and analysis
  • Determine your eligibility
  • Continue to offer you the full range of products, services and community event opportunities that we believe meet your changing needs
  • Meet our legal, regulatory and contractual obligations
  • Identify and mitigate potential risks or losses to Foresters, such as protecting against fraud or misrepresentations

Your consent

We collect, use and share your Personal Information only for disclosed purposes related to the investments and insurance services, and fraternal benefits we offer, and only with your consent, or as permitted or required by law. Your consent may be expressed in writing, or it may be given verbally, electronically, or through our, or your authorized representative(s). Your consent may also be implied or inferred from certain actions. You may withhold or withdraw your consent for us to collect, use and disclose your Personal Information, as long as there are no legal or contractual reasons preventing you from doing so. Depending on the circumstances, however, withdrawal of your consent may impact our ability to continue to provide you with the investments and insurance services and fraternal benefits you have requested.

Limiting use and sharing

The disclosure of your Personal Information will be restricted to those who have a need for, and the legal right to, the information.

Some of our business areas or affiliates may, from time to time, offer or promote other financial products, benefits or services, or those of select third parties, that we believe may be of interest to you. We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to you. We will share Personal Information with them for these purposes only if the law allows it. We will not share your Personal Information, without your consent, with any non-Foresters organization for the purpose of that organization marketing their own products or services directly to you.

We will protect your personal information

We are committed to protecting all Personal Information in our possession, including information transferred to a third-party service provider or representative in order to provide you with an insurance or investment product or service, or a fraternal benefit. In some instances our employees, service providers, representative, reinsurers and any of their service providers may be located in provinces or other jurisdictions outside Canada. Your Personal Information may then be subject to the laws of those other jurisdictions. All such persons, whether or not they are located in Canada or outside Canada, are required to protect the confidentiality of your Personal Information in a manner that is consistent with our privacy policies and practices.

Confidentiality and Security

We have developed and are continuing to enhance security measures to appropriately safeguard and protect Personal Information against theft, loss, unauthorized disclosure, copying, and unauthorized use or modification. These measures may include:

  • Physical safeguards, such as secured facilities
  • Administrative safeguards, such as security clearances, policies and procedures, and limiting access on a “need to know” basis; and
  • Technological safeguards, such as the use of passwords, encryption, firewalls and anti-virus software.

Your Personal Information will (subject to any legal restrictions) only be provided to, or be accessible by employees, representatives, advisors, agencies, affiliates and service providers who need the information in the performance of their duties for us.

If we receive a request to release your Personal Information, we will only do so upon satisfactory identification and proof of entitlement of the requestor, or as required or permitted by law.

Your rights to access your Personal Information

You have the right to request in writing, to access and verify your Personal Information maintained in our files. If you believe any of the information we have collected about you is incorrect or incomplete, you have the right to ask us to change it, or you may contact us to update your Personal Information in our records.

How to register a complaint

You may register a privacy-related complaint by contacting Foresters Privacy Officer. We will explain our complaint procedure to you and investigate all complaints. If a complaint is justified, we will take all appropriate steps to set the situation right, including changing our policies and practices if necessary. We will also let you know what other complaint procedures may be available to you.

How to contact us

If you have any questions about this Privacy Policy or to obtain information about our privacy practices, please contact us by sending a written request to:

If you own a life insurance or annuity product with us:

Foresters Financial
Attn: Privacy Officer
789 Don Mills Road
Toronto, ON M3C 1T9

1-800-828-1540
privacy@foresters.com

For Foresters Financial Investment Management Company of Canada Inc. imaxx unitholder queries or Foresters Asset Management Inc. queries, please contact;

416-226-8050 or 1-800-983-6439
privacy@foresters.com

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

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Foresters Financial™ is committed to supporting people with disabilities. Our commitment in fulfilling our mission is to strive at all times to provide our products and services in ways that respect the dignity and independence of people with disabilities. We are also committed to giving people with disabilities the same opportunity to access our products and services and allowing them to benefit from the same services, in the same place and in a similar way as other customers. As we move toward this goal, we expect that our services, benefits and facilities will be more and more responsive to the needs of people with disabilities.

Foresters Financial Multi-Year Accessibility Plan

Foresters Financial fully supports the standards of the Accessibility for Ontarians with Disabilities Act (AODA) and has developed plans to implement them in our organization. Our Multi-Year Accessibility Plan outlines what we will do to remove and prevent accessibility barriers in our organization for customers and-or employees.

Alternate format

Providing information in an accessible or alternate format is a way to help remove potential barriers to accessing and understanding information. Foresters Financial is committed to striving to provide accessible information and communication to its customers and recognizes that persons with disabilities may use methods other than standard print to access information. For more information on available accessible formats or to request an available accessible format document, please contact us.

Website accessibility

Website accessibility refers to the practice of designing websites so that people with disabilities and those with different or diverse abilities can understand content, navigate and interact online and have equal access to information and functionality. We are actively working to improve our website to provide a website that is accessible to the widest possible audience. We are striving to ensure our website is consistent with the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG) 2.0 and is usable with assistive technology.

Communication

We are committed to communicating with customers with disabilities in ways that take into account their disabilities. This means that employees communicate in a manner that enables customers to communicate effectively, and to use and receive information about our products and services.

Assistive devices

We are committed to helping our customers with disabilities who use assistive devices, and ensuring our staff is familiar with various assistive devices that may be used while accessing our products or services.

Service animals and support persons

Customers with disabilities may be accompanied and assisted by a support person, and may bring their service animal on the parts of our premises that are open to the public, subject to any other applicable laws. We strive to ensure that people involved in dealing with customers are appropriately trained in how to interact with customers in these cases.

Sometimes, we may determine that a service animal cannot enter a certain area, or a customer may need a support person to provide the necessary assistance but not have one available. In these circumstances, we will use our best efforts to suggest reasonable and appropriate alternatives to provide assistance.

Notice of temporary disruptions

We will notify our customers promptly in the event of a planned or unexpected disruption to services or facilities for people with disabilities. Our notification will include information about accessible alternatives for accessing our products, services or facilities, as well as the expected length of the disruption. We will provide notification in an accessible format which may include, but is not limited to, outgoing telephone messages or by posting on this website.

Training

Our training for employees, volunteers, others who interact with the public on our behalf, and people who develop our customer service policies will comply with applicable accessibility laws, and may include:  

  • How to interact and communicate with customers with various types of disabilities
  • How to interact with customers with disabilities who use an assistive device or rely on the assistance of a service animal or support person
  • How to use available equipment or devices that may assist with the provision of products or services to customers with disabilities
  • What to do if a customer with a disability is having difficulty in accessing our products and services
  • Our policies, practices and procedures relating to the provision of products or services to customers with disabilities
  • A review of the purpose and requirements of any applicable laws or regulations, including the Accessibility for Ontarians with Disabilities Act, 2005 

Feedback

We are committed to continually learning about our customers, their priorities and needs and to improving access to our products and services. We welcome comments and feedback as we strive to meet our customers’ needs and expectations.  

Customers who wish to provide feedback on how we meet their accessibility needs can contact us using their TTY service, by telephone or in writing by regular or electronic mail. 

Please click here for our contact information.

We will use our best efforts to address or respond to a customer’s feedback immediately. However, it may sometimes be necessary to refer feedback to another Foresters Financial representative for response or to be handled through our regular complaint handling procedures.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

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Need more information? Contact us.