{"id":76,"date":"2025-09-12T14:58:19","date_gmt":"2025-09-12T14:58:19","guid":{"rendered":"https:\/\/conseiller.rbcinsurance.com\/fr\/?page_id=76"},"modified":"2026-03-25T01:13:28","modified_gmt":"2026-03-25T01:13:28","slug":"obligations-de-conformite","status":"publish","type":"page","link":"https:\/\/conseiller.rbcinsurance.com\/fr\/obligations-de-conformite\/","title":{"rendered":"Obligations de conformit\u00e9"},"content":{"rendered":"\n<div class=\"wp-block-group mar-t-64 mob-mar-t-dbl mar-b-64 mob-mar-b-dbl is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-5455f32eddd1468cc485557b77e1d45b\" id=\"h-obligations-de-conformite\">Obligations de conformit\u00e9<\/h1>\n\n\n\n<p class=\"has-label-xl-font-size\"><span class=\"partial__border-bottom\">R\u00e8gles de la compagnie \u2013 Compagnie d\u2019assurance vie RBC<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group mar-t-64 mob-mar-t-dbl mar-b-64 mob-mar-b-dbl is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>En date du 1<sup>er<\/sup> juillet 2015<\/p>\n\n\n\n<p>D\u00e9finition de : \u00ab (c) de respecter en tout temps les r\u00e8gles de la compagnie \u00bb<\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables\">\n<div class=\"wp-block-rbc-basic-table basicTable  has-grey-background-first-column\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p><strong>R\u00e8gle<\/strong><\/p>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p><strong>D\u00e9tails<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong><strong>Publicit\u00e9 et utilisation des logos ou des marques de commerce de RBC<\/strong>&nbsp;<br><\/strong>Il vous incombe d\u2019obtenir l\u2019autorisation \u00e9crite de la Banque Royale du Canada, par l\u2019interm\u00e9diaire de la Compagnie d\u2019assurance vie RBC, avant de concevoir, d\u2019utiliser, de publier, de distribuer ou de diffuser tout mat\u00e9riel publicitaire ou autre contenant des logos ou marques de commerce de la Banque Royale du Canada (y compris RBC Assurances).<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Pour de plus amples renseignements, veuillez communiquer avec votre bureau r\u00e9gional de RBC Assurances au <a href=\"tel:1-866-235-4332.\" data-dig-id=\"LP-405-a9e6c3e0\" data-dig-label=\"1-866-235-4332.\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-866-235-4332.<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong><strong>D\u00e9claration du conseiller<\/strong><br><\/strong>Vous \u00eates tenu de remettre \u00e0 chaque client actuel ou \u00e9ventuel, pr\u00e9alablement \u00e0 la signature de la proposition, une d\u00e9claration contenant des renseignements sur vous.<\/p>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-75136d1d-1aee-40ad-ae29-32a856afd8e0 {\n\t\theight: 24px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-75136d1d-1aee-40ad-ae29-32a856afd8e0 {\n\t\t\theight: 24px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-75136d1d-1aee-40ad-ae29-32a856afd8e0\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>\u00c9l\u00e9ments-cl\u00e9s \u00e0 communiquer :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-black-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>les soci\u00e9t\u00e9s que vous repr\u00e9sentez et la nature de vos liens avec celles-ci ;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>votre mode de r\u00e9mun\u00e9ration et votre admissibilit\u00e9 \u00e0 recevoir une r\u00e9mun\u00e9ration suppl\u00e9mentaire ;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les conflits d\u2019int\u00e9r\u00eats ; et le droit du consommateur de demander un compl\u00e9ment d\u2019information.<\/p>\n<\/li>\n<\/ul>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/page\/15A93502979CA9E68525784F0051EF3A\/$file\/Advisor%20Disclosure%20ref%20doc.pdf\" target=\"_blank\" data-dig-id=\"LP-405-962fbab2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"ACCAP : Communication de renseignements concernant les conseillers\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">ACCAP : Communication de renseignements concernant les conseillers<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Lutte au blanchiment d\u2019argent et au financement des activit\u00e9s terroristes<br><\/strong>Vous devez en tout temps vous conformer aux exigences l\u00e9gales et r\u00e9glementaires de la Loi sur le recyclage des produits de la criminalit\u00e9 (blanchiment d\u2019argent) et le financement d\u2019activit\u00e9 terroriste.<\/p>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-946a38b8-7f0f-427c-aae7-884cd4f114cf {\n\t\theight: 24px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-946a38b8-7f0f-427c-aae7-884cd4f114cf {\n\t\t\theight: 24px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-946a38b8-7f0f-427c-aae7-884cd4f114cf\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>Si vous avez des motifs raisonnables de croire que le client agit pour un tiers, mais que vous n\u2019\u00eates pas en mesure de faire une d\u00e9termination quant aux tiers, vous devez le signaler \u00e0 RBC Assurances au moyen d\u2019une formule pour non-client. Veuillez consulter les Exigences relatives \u00e0 la d\u00e9termination quant aux tiers sur le site Web du Centre d\u2019analyse des op\u00e9rations et d\u00e9clarations financi\u00e8res du Canada (CANAFE) pour en savoir plus sur ce qui doit \u00eatre recueilli et signal\u00e9.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Le document sur les produits de la criminalit\u00e9 peut \u00eatre remplac\u00e9 par la page de texte.<\/p>\n\n\n\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/669014af67273af\/original\/Fonds-de-placement-garanti-RBC-et-Rentes-immediates-RBC.docx\" target=\"_blank\" data-dig-id=\"LP-405-d1d6c881\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"LAB_june_2025_conseillers_en_courtage_v1.docx\" class=\"rbc-link-format rbc-link-format icon-before word-doc-icon\" data-icon-class=\"icon-before word-doc-icon\" rel=\"noreferrer noopener\">LAB_june_2025_conseillers_en_courtage_v1.docx<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/6e21734c90c68f98\/original\/Vie-universelle-RBC.docx\" target=\"_blank\" data-dig-id=\"LP-405-4f1851aa\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Assurance vie universelle \u2013 Directives sur la LAB v2025 06 16.docx\" class=\"rbc-link-format rbc-link-format icon-before word-doc-icon\" data-icon-class=\"icon-before word-doc-icon\" rel=\"noreferrer noopener\">Assurance vie universelle \u2013 Directives sur la LAB v2025 06 16.docx<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/2c07569c2a28f97b\/original\/Fonds-de-placement-garanti-RBC-et-Rentes-immediates-RBC.docx\" target=\"_blank\" data-dig-id=\"LP-405-cd13baea\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Produits de patrimoine \u2013 Directives sur la LAB 2025 06 19.docx\" class=\"rbc-link-format rbc-link-format icon-before word-doc-icon\" data-icon-class=\"icon-before word-doc-icon\" rel=\"noreferrer noopener\">Produits de patrimoine \u2013 Directives sur la LAB 2025 06 19.docx<\/a><\/p>\n\n\n\n<p>Pour obtenir des pr\u00e9cisions sur vos obligations, nous vous invitons \u00e0 consulter le site du Centre d\u2019analyse des op\u00e9rations et d\u00e9clarations financi\u00e8res du Canada (CANAFE) \u00e0 l\u2019adresse <a href=\"http:\/\/www.canafe.gc.ca\" data-dig-id=\"LP-76-c7c62fd6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"www.canafe.gc.ca\" class=\"rbc-link-format\">www.canafe.gc.ca<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Traitement des plaintes<br><\/strong>Veuillez vous familiariser avec le syst\u00e8me de gestion des plaintes de RBC Assurances.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Centre des ressources de <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\" data-dig-id=\"LP-76-c8374798\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Assurances\" class=\"rbc-link-format\">RBC Assurances<\/a> &gt; Au bas de la page, sous Service \u00e0 la client\u00e8le, cliquez sur <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/about\/give-a-compliment\/\" data-dig-id=\"LP-76-4ce59081\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Adresser des f\u00e9licitations\" class=\"rbc-link-format\">Adresser des f\u00e9licitations<\/a> ou <a href=\"https:\/\/www.rbc.com\/customercare\/\" data-dig-id=\"LP-76-2f35835e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Porter plainte\" class=\"rbc-link-format\">Porter plainte<\/a>.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Assurance responsabilit\u00e9 civile professionnelle<br><\/strong>Vous avez l\u2019obligation de souscrire et de conserver, \u00e0 vos frais, une assurance responsabilit\u00e9 civile professionnelle. Cette assurance ne doit pas \u00eatre inf\u00e9rieure au montant stipul\u00e9 par RBC Vie ou au montant de la protection obligatoire exig\u00e9 par la province ou le territoire o\u00f9 vous ou votre soci\u00e9t\u00e9 exercez des activit\u00e9s, si ce dernier montant est plus \u00e9lev\u00e9.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Pour tout compl\u00e9ment d\u2019information \u00e0 l\u2019\u00e9gard des exigences relatives \u00e0 l\u2019assurance responsabilit\u00e9 civile professionnelle, communiquez avec l\u2019organisme de r\u00e9glementation en mati\u00e8re d\u2019assurance dans la province o\u00f9 vous \u00eates autoris\u00e9 \u00e0 exercer vos activit\u00e9s.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Liste nationale de num\u00e9ros de t\u00e9l\u00e9communication exclus\/r\u00e8glements sur le t\u00e9l\u00e9marketing<br><\/strong>Vous devez vous conformer aux r\u00e8gles et aux obligations relatives \u00e0 la Liste nationale de num\u00e9ros de t\u00e9l\u00e9communication exclus.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Pour tout compl\u00e9ment d\u2019information, veuillez visiter le site Web du Conseil de la radiodiffusion et des t\u00e9l\u00e9communications canadiennes (CRTC) \u00e0 l\u2019adresse suivante :<br><a href=\"http:\/\/crtc.gc.ca\/fra\/phone\/telemarketing\" data-dig-id=\"LP-76-e7451aea\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"http:\/\/crtc.gc.ca\/fra\/phone\/telemarketing\" class=\"rbc-link-format\">http:\/\/crtc.gc.ca\/fra\/phone\/telemarketing<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Conservation des dossiers clients \u2013 Pratiques commerciales ax\u00e9es sur les besoins &#8211; \u00ab L\u2019Approche \u00bb<br><\/strong>Le Conseil canadien des responsables de la r\u00e9glementation d\u2019assurance (CCRRA) et les organismes de r\u00e9glementation des services d\u2019assurance au Canada ont ent\u00e9rin\u00e9 trois principes de gestion des conflits d\u2019int\u00e9r\u00eats pouvant survenir dans le cadre de la souscription de produits d\u2019assurances de personnes.<\/p>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-04903f9c-1a40-4a57-b269-ac39f3f33732 {\n\t\theight: 24px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-04903f9c-1a40-4a57-b269-ac39f3f33732 {\n\t\t\theight: 24px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-04903f9c-1a40-4a57-b269-ac39f3f33732\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>L\u2019approche est un document de r\u00e9f\u00e9rence normalis\u00e9 de l\u2019industrie qui porte sur le troisi\u00e8me principe voulant que le produit recommand\u00e9 convienne aux besoins du client et qui vous encourage \u00e0 documenter vos rencontres avec le client, \u00e0 tenir des dossiers sur lui pour d\u00e9montrer clairement que vos recommandations r\u00e9pondent effectivement aux besoins de votre client et \u00e0 lui fournir une \u00ab lettre explicative \u00bb<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"http:\/\/www.clhia.ca\/advisor\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-405-1859c561\" data-dig-label=\"www.clhia.ca\/advisor\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">www.accap.ca\/conseiller<\/a><\/p>\n\n\n\n<p>Les fichiers et dossiers doivent \u00eatre maintenus et conserv\u00e9s pendant la p\u00e9riode minimale prescrite par la loi.<\/p>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-e2871613-9513-47e5-b100-f81616cefa05 {\n\t\theight: 45px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-e2871613-9513-47e5-b100-f81616cefa05 {\n\t\t\theight: 45px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-e2871613-9513-47e5-b100-f81616cefa05\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>For additional information and sample letters, view the <a href=\"https:\/\/www.clhia.ca\/domino\/html\/clhia\/clhia_lp4w_lnd_webstation.nsf\/resources\/Guidelines\/$file\/The_Approach.pdf\" target=\"_blank\" data-dig-id=\"LP-405-55d2d41a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"updated CLHIA reference document\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">updated CLHIA reference document<\/a>, beginning on page 9 with samples in Appendix 1.<\/p>\n\n\n\n<p>Pour obtenir des renseignements suppl\u00e9mentaires et des mod\u00e8les de lettre, consultez le <a href=\"https:\/\/www.clhia.ca\/domino\/html\/clhia\/clhia_lp4w_lnd_webstation.nsf\/resources\/Guidelines\/$file\/The_Approach.pdf\" data-dig-id=\"LP-76-51531e77\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"document de r\u00e9f\u00e9rence \u00e0 jour de l\u2019ACCAP\" class=\"rbc-link-format\">document de r\u00e9f\u00e9rence \u00e0 jour de l\u2019ACCAP<\/a>, \u00e0 partir de la page 9 (les mod\u00e8les de lettre se trouvent dans l\u2019annexe 1).<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Document visant \u00e0 assurer la protection des consommateurs, publi\u00e9 par la province de TerreNeuve-et-Labrador<\/strong><br>Dans la province de Terre-Neuve, vous \u00eates tenu de remettre \u00e0 votre client le document \u00ab Principles for the Sale of Insurance \u00bb (principes relatifs \u00e0 la vente d\u2019assurance) avec son contrat.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Le document de Terre-Neuve-et-Labrador sur la protection du consommateur peut \u00eatre remplac\u00e9 par du texte. Lien vers la page sur les principes de la vente d\u2019assurance.<\/p>\n\n\n\n<p><a href=\"#\" target=\"_blank\" data-dig-id=\"LP-405-1d328bde\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Protection du consommateur RBC \u2013 T.-N.-L.docx \" class=\"rbc-link-format icon-before word-doc-icon\" data-icon-class=\"icon-before word-doc-icon\" rel=\"noreferrer noopener\">Protection du consommateur RBC \u2013 T.-N.-L.docx<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.gov.nl.ca\/dgsnl\/files\/forms-pdf-principles-sale-of-insurance.pdf\" target=\"_blank\" data-dig-id=\"LP-405-10458da9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"PRINCIPLES FOR THE SALE OF INSURANCE\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">PRINCIPLES FOR THE SALE OF INSURANCE<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Vie priv\u00e9e et confidentialit\u00e9 Protection des renseignements du client<\/strong><br>Il vous incombe de ne recueillir que les renseignements qui sont strictement n\u00e9cessaires et de vous assurer qu\u2019ils sont ad\u00e9quatement prot\u00e9g\u00e9s conform\u00e9ment \u00e0 la Loi sur la protection des renseignements personnels et les documents \u00e9lectroniques (\u00ab LPRPDE \u00bb).<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<ul class=\"wp-block-rbc-list is-style-black-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.priv.gc.ca\/media\/2038\/guide_org_e.pdf\" target=\"_blank\" data-dig-id=\"LP-405-1403210c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Office of the Privacy Commissioner of Canada - Privacy Guide For Business\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Guide sur la protection de la vie priv\u00e9e \u00e0 l&rsquo;intention des entreprises<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbc.com\/privacysecurity\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-405-417d623c\" data-dig-label=\"RBC Privacy &amp; Security Canada\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">RBC Privacy &amp; Security Canada<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Protection des renseignements personnels et S\u00e9curit\u00e9 Canada Chemin du site Web de RBC : Chemin d\u2019acc\u00e8s : Centre des ressources de RBC Assurances &gt; Au bas de la page, cliquez sur Protection des renseignements et S\u00e9curit\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour obtenir de plus amples renseignements, veuillez communiquer avec le Commissariat \u00e0 la protection de la vie priv\u00e9e du Canada. Site Web : <a href=\"http:\/\/www.priv.gc.ca\/fr\" data-dig-id=\"LP-76-da31deac\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"http:\/\/www.priv.gc.ca\/fr\" class=\"rbc-link-format\">http:\/\/www.priv.gc.ca\/fr<\/a><\/p>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Pratiques commerciales interdites<\/strong><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Veuillez consulter la Ligne directrice 8 de l\u2019ACCAP sur les pratiques commerciales inadmissibles, qui se trouve sur le site Web de l\u2019Association canadienne des compagnies d\u2019assurances de personnes :<\/p>\n\n\n\n<p><a href=\"http:\/\/www.accap.ca\" target=\"_blank\" data-dig-id=\"LP-405-27a7451a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.clhia.ca\/\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">www.accap.ca<\/a><\/p>\n\n\n\n<p>Lien menant \u00e0 un site Web externe. Disponible le 31 d\u00e9cembre 2009.<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Remplacement de polices d\u2019assurance<\/strong><br>Tous les remplacements doivent \u00eatre ex\u00e9cut\u00e9s conform\u00e9ment \u00e0 la r\u00e9glementation provinciale.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/resources\/Financial+Advisors\/$file\/Ref+Doc_Replacement+disclosure_FR.pdf\" target=\"_blank\" data-dig-id=\"LP-405-028d7413\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"CLHIA Replacement Disclosure Reference Document\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Communication de renseignements lors du remplacement de police<\/a><\/p>\n\n\n\n<p>Pour tout compl\u00e9ment d\u2019information, communiquez avec l\u2019organisme de r\u00e9glementation en mati\u00e8re d\u2019assurance de la ou des province(s) o\u00f9 vous \u00eates autoris\u00e9 \u00e0 exercer des activit\u00e9s<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Pratiques commerciales inadmissibles<br><\/strong>Vous ne devez vous livrer \u00e0 aucun acte injuste ou trompeur, ni \u00e0 aucune pratique commerciale inacceptable.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<ul class=\"wp-block-rbc-list is-style-black-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour en savoir plus sur les actes ou pratiques illicites, communiquez avec l\u2019organisme de r\u00e9glementation en mati\u00e8re d\u2019assurance dans la ou les province(s) o\u00f9 vous \u00eates autoris\u00e9 \u00e0 exercer des activit\u00e9s.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>La Compagnie d\u2019assurance vie RBC consid\u00e8re le trafic de polices d\u2019assurance (rachat \u00e0 escompte d\u2019un contrat d\u2019assurance vie) comme une pratique de vente inacceptable dans toutes les provinces et tous les territoires.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Veuillez consulter la Ligne directrice 8 de l\u2019ACCAP sur le site Web de l\u2019Association canadienne des compagnies d\u2019assurances de personnes : <a href=\"http:\/\/www.accap.ca\" data-dig-id=\"LP-76-886a8aaf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"http:\/\/www.accap.ca\" class=\"rbc-link-format\">http:\/\/www.accap.ca<\/a><\/p>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Traitement \u00e9quitable des clients<br><\/strong>Assurez-vous d\u2019avoir en place des pratiques de vente, politiques et proc\u00e9dures conformes aux attentes en mati\u00e8re de traitement \u00e9quitable des clients dans la directive du CCRRA pour les titulaires de permis.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Directive: Conduite des activit\u00e9s d\u2019assurance et traitement \u00e9quitable des clients<\/p>\n\n\n\n<p><a href=\"https:\/\/www.ccir-ccrra.org\/Documents\/View\/3452\" data-dig-id=\"LP-76-123dd472\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.ccir-ccrra.org\/Documents\/View\/3452\" class=\"rbc-link-format\">https:\/\/www.ccir-ccrra.org\/Documents\/View\/3452<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Polices orphelines (uniquement au Qu\u00e9bec)<\/strong><br>Il vous incombe d\u2019avoir une politique et une proc\u00e9dure document\u00e9es en place afin d\u2019assurer la r\u00e9attribution des polices d\u2019un agent qui quitte le secteur \u00e0 un nouveau conseiller d\u00fbment autoris\u00e9. Les clients maintiennent ainsi leur acc\u00e8s au service.<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/lautorite.qc.ca\/fileadmin\/lautorite\/reglementation\/distribution\/avis\/2013mai23-avis-clients-orphelins-fr.pdf\" target=\"_blank\" data-dig-id=\"LP-405-2754257d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Notice relating to obligations of representatives and insurers with respect to service offered to clients under insurance of persons contracts \u2013 Orphan clients\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Avis relatif aux obligations des repr\u00e9sentants et des assureurs quant au service offert aux clients en vertu de contrats d\u2019assurance de personnes \u2013 client\u00e8le orpheline (23 mai 2013)<\/a><\/p>\n\n\n\n<p>Le document sur la r\u00e9attribution des polices orphelines peut \u00eatre remplac\u00e9 par le texte.<br>Conserver la formule Changement de conseiller attitr\u00e9 (mise \u00e0 jour).<\/p>\n\n\n\n<p><a href=\"#\" target=\"_blank\" data-dig-id=\"LP-405-06fb810b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"R\u00e9attribution de polices \u2013 clients orphelins.docx\" class=\"rbc-link-format icon-before word-doc-icon\" data-icon-class=\"icon-before word-doc-icon\" rel=\"noreferrer noopener\">R\u00e9attribution de polices \u2013 clients orphelins.docx<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-699396.pdf\" target=\"_blank\" data-dig-id=\"LP-405-3cd60640\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Microsoft Word \u2013 Changement de conseiller attitr\u00e9 _FR.doc\" class=\"rbc-link-format icon-before word-doc-icon\" data-icon-class=\"icon-before word-doc-icon\" rel=\"noreferrer noopener\">Microsoft Word \u2013 Changement de conseiller attitr\u00e9 _FR.doc<\/a><\/p>\n\n\n\n<p>Un exemple de lettre peut \u00eatre fourni sur demande<br><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-815482.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-405-6a715472\" data-dig-label=\"Policy Owner\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Titulaire de police<\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Obligations de conformit\u00e9 R\u00e8gles de la compagnie \u2013 Compagnie d\u2019assurance vie RBC En date du 1er juillet 2015 D\u00e9finition de : \u00ab (c) de respecter en tout temps les r\u00e8gles de la compagnie \u00bb<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"class_list":["post-76","page","type-page","status-publish","hentry"],"acf":{"rbci_landing_page_use_simple_navigation":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Obligations de conformit\u00e9 | RBC Assurances centre des ressources<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Obligations de conformit\u00e9 | RBC Assurances centre des ressources\" \/>\n<meta property=\"og:description\" content=\"Obligations de conformit\u00e9 R\u00e8gles de la compagnie \u2013 Compagnie d\u2019assurance vie RBC En date du 1er juillet 2015 D\u00e9finition de : \u00ab (c) de respecter en tout temps les r\u00e8gles de la compagnie \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/conseiller.rbcinsurance.com\/fr\/obligations-de-conformite\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Assurances centre des ressources\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-25T01:13:28+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/conseiller.rbcinsurance.com\/fr\/obligations-de-conformite\/\",\"url\":\"https:\/\/conseiller.rbcinsurance.com\/fr\/obligations-de-conformite\/\",\"name\":\"Obligations de 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