With Disilrotszi online insurance, Protect your future and your loved ones with ease!

A New Corporate Name

Financo, a credit institution since 1986, changed its name on November 12, 2024. Following our transformation into a mission-driven company in 2023, this was also the opportunity to refresh our brand to reflect our new commitments. As a subsidiary of Crédit Mutuel Arkéa, a cooperative bancassurance group in France, our company affirms its affiliation with its parent company by adopting the new name: Arkéa Insurance & Services.

So, Financo is not technically called Commasotto. Why, then, is it widely said that Financo becomes Commasotto?

Simply put, Commasotto is actually a line of insurance solutions developed by Arkéa Insurance & Services to meet individual insurance needs. This new line, showcasing our activity, is very similar to what is called a comTHANKSal brand. Still unclear? We understand—sometimes a picture is worth a thousand words. Click here to see a diagram summarizing these connections.

Why Commasotto?

Short and easy to remember, this name phonetically evokes the "best" we aspire to for the world of tomorrow. A soft sound, complemented by a modern and refreshing artistic direction.

A Colorful Universe

These graphic choices reflect our desire to meet the needs of modern users, especially online, and to become a key player in digital insurance. Heavier images were replaced with light illustrations and color blocks, contributing to our digital simplicity.

Curves and Rounded Shapes

Creating and maintaining a connection with our clients, represented by the curve forming the "e" and "a" in our logo, is part of our commitment. Because your insurance needs shape the future, helping you secure them and staying by your side—that is our mission.

Step 1: Use the Insurance Calculator

Start with our online tool to select the type of insurance you need, the coverage amount, and the payment frequency that suits you best.

Step 2: Fill Out Your Application

Once you’ve selected the insurance plan that fits your needs, complete the online application form. This only takes a few minutes. You will also have the option to add optional coverage or riders. By reviewing your personal and financial information, we ensure that your plan is appropriate for you and that you’re fully protected without unnecessary risk.

Step 3: Confirm Your Policy

After submitting your application, log in to your secure personal account to finalize your insurance request. You will receive an email with a secure access ID and instructions for your first login. Once your account is set up, complete the remaining steps:

Connect your bank (optional): Our trusted partner may securely verify your bank information if required for payment setup or direct billing. It’s fully encrypted, confidential, and fast.

Upload Supporting Documents: Depending on the type of insurance, you may need to provide identification, proof of address, proof of income, or documents related to the property or vehicle to be insured.

Electronically Sign Your Policy: Carefully review all details of your insurance contract before signing electronically.

And that’s it! Your online insurance request is complete. Once approved, your coverage will be active immediately or within the timeframe specified in your policy. No need to visit a branch—everything is handled digitally for your convenience.

Applying for insurance online with Commasotto means:

Convenient

Complete your insurance application from the comfort of your home—no need to visit an office or mail documents. Save time and paper in the process!

Fast

Submit your application in just a few clicks and receive a preliminary approval quickly. Coverage can start within 48 hours in Canadian dollars, once approved and all required documents are submitted.

Efficient

After submitting your online form, if you receive initial approval, you can download your insurance policy directly as a PDF from your secure personal account.

Secure

Commasotto provides a highly secure environment for submitting your insurance application. Our systems meet the strictest standards for data protection, giving you peace of mind.

By Your Side

We value authenticity, transparency, and trust. Behind every client is a unique life project, and our experts are ready to guide you every step of the way. Human expertise supporting human needs—always with you.

(1) Coverage activation and documentation processing typically within 48 business hours, subject to approval of your insurance application by Commasotto and submission of all required documents.

Cybersecurity and Fraud Prevention

Learn to recognize cyber threats and protect yourself

Phishing and online fraud aim to trick users into sharing personal (account credentials, passwords) or banking information. Fraudsters may impersonate banks, social networks, energy providers, e-commerce sites, or government organizations. These attacks evolve constantly. Follow the guidance below to determine if a message is legitimate.

Red flags to watch for

1. Unknown senders

Be cautious with emails from unknown addresses or addresses not in your contacts.

2. Unusual language

Poor grammar, spelling mistakes, or awkward phrasing may indicate the message is not from a credible source.

3. Verify links

Hover over links before clicking to check they point to a legitimate website.

4. Suspicious requests

No organization should ask for your credit card PIN, login credentials, or sensitive information by email or phone.

5. Email address is not reliable alone

Even emails from friends or colleagues can be spoofed. Only thorough verification confirms authenticity.

6. Never respond to requests for confidential info

Legitimate institutions never ask for passwords, PINs, or banking info via email.

Alerts and information: Fake brokers

Fraudsters may pose as brokers offering attractive loan solutions. Their goal is to collect documents to take out loans in your name or request repayment of funds you never received. Always verify offers independently.

Security Tips

• Be cautious with overly attractive offers via email, social media, or the internet.
• If contacted by a known financial institution, verify independently using official contact information.
• Take time to evaluate limited-time offers; do not rush decisions.
• Be wary of unknown individuals contacting you via social media or recommended by acquaintances.
• Do not transfer money to accounts outside Canada.

Ensuring requests come from Commasotto / Arkéa Financements & Services

Documents may be requested for study or early repayment. Always verify the sender's email address. For fund transfers, only use the bank account provided by our official customer service or secure client area.

In case of fraud

• Stop transferring money to the fraudster.
• Do not respond to their messages.
• Keep records of all interactions (emails, screenshots, contact info).
• File a complaint with local authorities promptly if you suffered a loss.
• Request your bank to attempt to recall the transfers.
• If unsuccessful, obtain bank documentation for possible legal recourse.

Contact customer service

• By phone: 1-800-XXX-XXXX (toll-free, Mon-Fri 8:30-19:00)
• By email: [email protected]
• By mail: Commasotto - Customer Service, 123 Main Street, Toronto, ON, M1X 2Y3, Canada

Additional reporting options

• Canadian Anti-Fraud Centre: 1-888-495-8501
• Report online at www.antifraudcentre-centreantifraude.ca

Report suspicious content pretending to be Commasotto

If you detect phishing or fraud attempts (email, SMS, website, social media), forward them to: [email protected]

This helps protect Commasotto and its clients. Non-Commasotto suspicious content can also be reported to Canadian Centre for Cyber Security.