Complaint Examination and Dispute Resolution Policy
Purpose of the Policy
The purpose of a complaint examination and dispute resolution policy is to set up a free and equitable procedure for dealing with complaints.
The purpose of a complaint examination and dispute resolution policy is to set up a free and equitable procedure for dealing with complaints.
It aims in particular to identify the person responsible for processing, overseeing the receipt of complaints and their handling, and, where applicable, the transmission of the file to the Autorité des marchés financiers, hereinafter referred to as the "Authority".
Personne responsable
The president, Mr. Sylvain Racine is the person who is in charge of applying this policy and ensuring that complaints received by Racine & Chamberland are examined in accordance with said policy.
Mr. Sylvain Racine acts as the respondent with the Autorité des marches financiers (the Authority), and trains our staff. He provides staff with the necessary information for compliance with this policy.
The person in charge is also responsible for:
Delivering an acknowledgment of receipt and notice to the complainant within 10 working days;
Perform the analysis of disputes and complaints within a reasonable time (note that the person in charge can delegate this task while providing supervision);
To rule on the conclusion of the analysis and to inform the complainant thereof;
Transferring the file to the Authority, at the complainant’s request;
Filing a report twice a year with the Authority using the Complaint Reporting System (CRS)
Receipt of the complaint
The consumer or client of Assurance TCM (or Assurance Cannabis) who wishes to lodge a complaint may do so, verbally or in writing, by contacting the person responsible:
by mail:
1052 boul. de Sainte-Adèle,
Sainte-Adèle, Québec
J8B 2N3by phone:
514.877.4499by e-mail:
icoulombe@racinechamberland.comHandling a complaint
For the purposes of this policy, a complaint constitutes the expression, verbal or written, of the following elements which remain after having been considered and dealt with at the operational level competent to render a decision.
It must contain one of the following:
The identification of a potential or real prejudice that a consumer has suffered or could suffer and the details of the alleged facts, dates and other information necessary to analyze the case.
A reproach against the firm, a representative or an employee.
The request for corrective action.
The complainant must provide full contact details, including:
Upon receipt of a complaint, the person responsible for Racine & Chamberland will send an acknowledgment of receipt to the complainant within 10 working days of receiving the complaint. It will carry out an impartial analysis within a reasonable period of time, which should not exceed 90 working days, following receipt of the complaint and the elements necessary for its analysis.
In the event of an incomplete complaint, a notice including a request for additional information will be sent to the complainant. The latter must provide the necessary information before the analysis of the file can resume or continue.
Register and file of complaints
Racine & Chamberland must keep a register of complaints it receives. Each complaint must be the subject of a separate file including, in particular, the following elements:
A description of the complaint received.
The outcome of the complaint handling process (analysis and supporting documents).
All information relating to the complaint.
The final response to the complainant, written and reasoned.
The complaint must be dealt with impartially and within a reasonable period of time, which should not exceed 90 days following receipt of the complaint. This deadline should be respected, regardless of the different levels of treatment involved.
Transmission to the Autorite
In the event that the complainant is not satisfied with the outcome of the processing of his complaint or of theprocessing itself, he may ask the person responsible to transfer his complaint file to the Authority.
Address to use for the transfer:
AUTORITÉ DES MARCHÉS FINANCIERS
Place de la Cité, Cominar tower 2640, boulevard Laurier, bureau 400
Québec (Québec) G1V 5C1
The file transferred to the Authority will consist of all the documents relating to the complaint.
Procedures for reporting complaints
Racine & Chamberland must report to the Authority complaints received from a consumer or a client during the following periods:
The period from January 1 to June 30 inclusively: declaration no later than July 30 of the current year.
The period from July 1 to December 31 inclusively: declaration no later than January 30 of the following year.
You can visit the AMF website for more information