Legal Notice

All services and information made available to users by the Fédération des caisses Desjardins du Québec and, depending on the Service used, by Desjardins Financial Security as an insurer and administrative manager of the Desjardins Group Pension Plan (hereinafter collectively called "Desjardins"), and accessible on this website are subject to the terms and conditions described below. 

By accessing and using this Desjardins website, I agree to be bound by the Legal Notice and to comply with the following Terms of Use. If I do not, I understand that I must not use this site.

  • All information, trademarks and logos displayed on the website are protected by copyrights.

  • Desjardins may at any time change or update the information displayed on this Website, which is provided for information purposes only.
  • The Desjardins Group Pension Plan Regulation and the policy of the Group Insurance Plan for Employees and Retirees of the Desjardins Group overrides any other text.
  • Desjardins cannot be held responsible for any harm,  loss or damages arising from use of this site and the information contained therein.
  • Desjardins cannot guarantee the availability of the site, and cannot be held responsible for problems that may arise during its use.
  • Links to other sites appearing on the website, including downloadable software sites, are provided for convenience only and Desjardins cannot be held liable for them.
  • This Website is under Quebec jurisdiction, and the information it contains on Desjardins's products and services can only be used in Canada.
  • Users are responsible for the use of their password and its use without their consent.
  • The glossary, search tools, calculators provided on this Website are intended strictly for personal use.
  • We cannot guarantee confidentiality of information exchanged by email on the Internet. For security, audit, and statistical compilation purposes, Desjardins collects data on access to the site, and may consult transmissions to and from the site.
  • At Desjardins, we are committed to protecting your security and privacy including the personal information you provide to us. Please consult our Privacy Policy for information on our practices in this regard.
  • The content of the Legal Notice is updated from time to time without prior notice.


Copyright and Trademarks

All information on this website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this website for commercial purposes without the written authorization of Desjardins, or make public use thereof without crediting the source. 

All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of Desjardins or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the perpetrator to legal action. 

Desjardins prohibits the use of its logos and registered names as hyperlinks to other websites without its prior written authorization. 

Accuracy of information

Desjardins believes that the information contained in this site was accurate when it was placed on the site, but cannot guarantee or ensure the currency, accuracy, completeness or authenticity of its content or each of its functions. Without limiting the foregoing, Desjardins is not responsible for the accuracy of the information contained in this site and provided by third parties. This site, along with the information contained herein, was created for information purposes only and may be changed or updated at any time without prior notice. All the products and services found on this site are subject to the terms and conditions of the applicable agreements governing them.

No Liability

Desjardins shall not be liable or responsible to any person for any harm, loss, or damage (whether arising in contract, tort, negligence, or otherwise) that may arise directly or indirectly from the use, inability to use, or malfunctioning of this site or the information contained herein, including any direct, indirect, special, third party, or consequential damages.

No Warranties

Desjardins does not warrant that the site will be available and that it will meet your requirements, nor does it warrant that access will not be interrupted, that there will be no delays, failures, errors, omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted, or that no damage will occur to your computer system.

Disclaimer of Responsibility for Hypertext Links to Other Websites and Downloadable Software

Links to other websites or cross references to products, services, or publications other than Desjardins's are provided only for your convenience and do not imply the endorsement or approval of such websites, products, services, or publications by Desjardins. Such sites and cross references have been developed independently of Desjardins, and we cannot vouch for the currency, accuracy, completeness, or authenticity of any site content or functionality or of any such cross references. Linking to any other site shall be at your sole risk, and Desjardins will not be responsible or liable for any damages in connection with any such linking. Links to downloadable software sites are provided for your convenience only, and Desjardins is not responsible or liable for any difficulties associated with downloading the software.



The site will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the use of this site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. Thus, in the event of any suit, action, or proceeding arising out of or in connection with this site or its use, the courts of the province of Quebec will have exclusive jurisdiction.


You are fully responsible for the use of your password, including its use without your consent. Desjardins is not required to confirm the user's identity or right of access if the user entered the right username and password. You must immediately advise DGPP Member Services Team if someone other than you knows your username and password. In this case, DGPP Member Services Team will block access to your personal file until you have decided to confirm a new username and a new password.

Glossary, Search Tools and Calculators

The glossary, search tools and calculators are available for non-commercial use only. Use of the tools to sell a product or service or to increase traffic to a specific website is prohibited.

The definitions contained in the glossary are for reference purposes only. They have no contractual value and may differ from the definitions in the Group Insurance Plan for Employees and Retirees of the Desjardins Group policy and the Desjardins Group Pension Plan Regulation, which include specific definitions of the terms used therein.

The definitions contained in the glossary are general in scope and are taken from the following sources: the Group Insurance Plan for Employees and Retirees of the Desjardins Group policy and the Desjardins Group Pension Plan Regulation.

Desjardins does not guarantee the search results.

Likewise, calculations or projected results are provided for information purposes only and are not guaranteed to be accurate or complete, since they are based on hypotheses. The default values are provided for illustrative purposes only and solely as a reference. You must use them only as guides or estimates.


Internet Email

Any unprotected email communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. Desjardins is not responsible for and will not be liable to you or anyone else for damages resulting from interception, loss, or alteration in connection with an email sent by you to Desjardins or an email sent by Desjardins to you.

Control over Use

A log is kept to record events that relate to security or that warrant an audit, or for statistical purposes. This log may contain all accesses to the site or site sections, all communications sent or received by a user (in the case of email accessed from within the site), as well as any other activity related to the site.

Desjardins has access to the communications sent or received through the site, and may access said communications if it has reason to believe that a law has been broken or if the site's Terms of Use have been violated.

Update of Legal Notice

This notice will be updated and modified from time to time without prior notice. Accordingly, whenever you access the website, ensure that you check this notice.