All of the content in the Site is made available only for Your personal, lawful, non-commercial use in connection with seeking insurance, extended service contracts and/or other products and services offered by Us. Use of the Site by a competitor company or other non-consumer third party is prohibited.
Except as expressly mandated by law, You may not, without Our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything You obtain or download from the Site; (iii) engage in systematic retrieval of data or other content from the Site; (iv) assign or transfer any rights granted by these Terms of Service; or (v) access, or attempt to access, the Site through any automated means (including use of scripts, crawlers, or similar technologies).
The information and material provided on the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to the products and services offered by Us on this Site. All coverages are subject to the terms and conditions of the insurance policies, extended service contracts and/or other products and services offered by Us. Coverages and the terms and conditions of the insurance policies, extended service contracts and/or other products and services offered by Us may vary by province and Your individual circumstances be. The products and services offered on the Site are only available in the jurisdictions in which We are properly licensed.
Your request to purchase a product or service represents an offer by You and will be subject to the terms and conditions of that product or service that We may accept or reject. After You make a request through the Site to purchase the product or service, then assuming such product or service is available to You and Your offer is accepted, You will receive confirmation of Your purchase.
You must ensure that the details You give to Us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal, the credit card You are using must be Yours, or You affirm through the completion of any transaction that You have the authority by the account holder to use the credit card.
You agree not to communicate any material that may be considered, in Our sole discretion, sexually explicit, pornographic, indecent, unlawful, harassing, vulgar, libelous, defamatory, offensive, abusive, obscene, threatening, false, SPAM, Malware or otherwise objectionable material. You must not communicate any material that violates Our intellectual property rights, or the intellectual property rights of any other party. You may not also communicate information that relates to self-promotional materials, political content or commercial solicitations.
We are not responsible for any content submitted by You. You acknowledge and agree that We may monitor content submitted by You; delete, or refuse to post any content submitted by You without notice; and use or disclose all content provided by You in any way without prior notice or prior approval from You. You also agree that We have no obligation to seek a license or compensate You for use of any content submitted by You.
Some products or services may be made available on the Site by third-parties not affiliated with Us. You agree that if You use or install any product or service provided by a third party, You will seek redress from that third party if its product or service causes any loss or damage to You. We are not responsible for any product or service that is used or downloaded from a source other than Us. You further agree that any downloading, accessing, or using of third-party products or services is performed at Your own risk.
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of Assurant Solutions companies or affiliates (collective “Assurant”). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.
The design, text and images of this Site are owned, controlled, or licensed by Assurant. Assurant and/or its licensors retain all right, titles, and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of its licensors of any rights in such material and does not transfer any rights to any User of this Site.
Some portions of the Site may be protected and require a user identification code (“User ID”) and password for access. Unauthorized access or use of such portions of the Site is prohibited. To obtain access to certain online services, You are given the opportunity to register with Us. You are responsible for maintaining the confidentiality of Your details and Your password and for restricting access to Your computer to prevent unauthorized access to Your account. You accept responsibility for activities that occur under Your account and You should take all steps to ensure Your password is kept confidential. You agree to inform Us immediately if You have reason to believe Your password is being used in an unauthorized manner. For Your protection, if We believe that any unauthorized access may occur or has occurred, We may terminate such access without prior notice to You. You also agree that We are permitted to act upon any instructions received using Your User ID and password and to consider such instructions as authorized by You.
You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and You acknowledge and agree that You are responsible for electronic communications sent from Your computer.
We may retain the credit card details You provide to Us after payment has been made if You provide Us with consent, if required by Our payment processor or otherwise required by law. We do not maintain any security code that You may have given to Us in order to complete the initial purchase. This assists in reducing credit/ card fraud. Except in exceptional circumstances, any refund We provide to You for any product or service You have purchased by credit card is made back to the credit card account used to make the initial purchase.
While We use all reasonable efforts to ensure that the information contained on the Site is current, accurate and complete at the date of publication, and We do Our best to correct errors and omissions as soon as We can, all information, products, services, content and other material on the Site, accessible from the Site, or on a Third-party site are provided “as is” and without warranties or representations of any kind, either express or implied. This means that We expressly disclaim all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. To the maximum extent permitted by law, We accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Site or any information contained therein. Users should be aware that they use the Site and its content at their own risk. Content and information provided by third parties are published on the Site as supplied to Us and We are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.
Access to and use of this Site is at the user’s own risk. We shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or other law, even if We have been advised of the possibility of such damages. We shall not be liable for any Third-party site, materials on any Third-party site or the inability to use any Third-party site; and defect, omission, error, interruption, delay, or computer virus; or the unauthorized alteration of or access to Your transmissions or personal data.
You agree that Our total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount You have paid to access the Site.
Telephone calls and email correspondence with Us as a result of Your access to the Site may be recorded for training, administrative and security purposes, and as otherwise permitted by law. By using such communication methods You are consenting to such activities taking place.
Please note that there is no guarantee that any e-mail sent to this site will be received by Us or that the message will remain confidential while being transmitted. Your email address and the content of Your email may be shared with, or disclosed, to third parties, who are necessary to address the content of Your email, and as otherwise permitted by law. We may retain the content of the form or email, the email address and Our response. This enables Us to retain an audit trail of Our contact and provide You with the product, service or information You may have requested.
Access to and use of this Site are subject to all applicable federal, provincial and local laws and regulations in Canada. If You access an international web site of one of Our companies from this Site, such international site is subject to the applicable laws of the jurisdiction(s) to which such company or companies are subject.