Group Universe Report User Protocols

 

"Fair Use" Protocols

1.   The Group Universe Report itself is copyright.  You may make copies, including electronic copies, for internal use, but you may not redistribute any portion of the Group Universe Report outside your Company.

2.   Internal use includes use by professional advisors who have access to your Company's internal documents and who are bound by a contractual or professional duty of confidentiality such as lawyers, investment bankers or management consultants.

3.   External use is limited to the inclusion of incidental information from the Group Universe Report in original documents prepared by your company for release to regulators, investors, sales intermediaries, clients and the general public and is further limited by the following rules:
a.    You may use only your own data and the market totals from any table.
b.   You may not directly or indirectly refer to any company other than your own unless such information has already been released by Fraser Group under the Public Disclosure Policy.

We suggest you consult Fraser Group in advance about any proposed external use.

4.   The Group Universe Report should be cited formally as

  Group Universe Report (2008 Data), Fraser Group, 2008

or less formally as

  Group Universe Report (Fraser Group) or just Fraser Group.

Examples of Fair Use

Not Permitted

In Quebec, our LTD market share is twice that of the national market leader.

OURCOMPANY               12%
"Unnamed Competitor"   10%

 

Permitted Statements

OURCOMPANY has group revenues of $425 million.

OURCOMPANY had Group Life sales of $50 million last year in the Over 1000 employer market.

OURCOMPANY has 12% of the British Columbia market.

The total group life and health market in 2008 was $20 billion.

LTD sales in Quebec last year were $14 million.

This page was last updated on May 1, 2009 by hz.
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