Terms and Conditions of Website Use

Please read these terms and conditions carefully before using this Website. By using this Website the user ("you" and "your") accepts, without limitation or qualification, these terms and conditions.

In these terms and conditions, any reference to "we", "us" or "our" refers to CanAm Special Risk Insurance Agency Limited.

We may make changes to these terms and conditions of use at any time. We will provide notice of such changes on this Website. If you continue to browse this Website following notice of such change, you will be deemed to accept the amended terms and conditions of use.

DISCLAIMER

Neither CanAm Special Risk Insurance Agency Limited, its third party administrators, agents, employees, directors, officers and affiliated companies, nor any other party involved in creating, producing, or delivering this Website, shall be liable for any loss, harm or damage, including without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused, to you or any other person arising out of your access to, or use of, this Website or any material from this Website, even if we have been advised of the possibility of these damages.

The use of this Website, and any sites linked to or from this Website, is entirely at your risk. We assume no liability or responsibility for any damage to you, your computer, or your other property, due to your access to or use of this Website or the downloading of any materials provided on this Website, including without limitation any damages caused by viruses that may infect your computer.

SECURITY

This Website uses security measures to protect the integrity of the information under our control. However, while every effort is taken to prevent unauthorized persons from accessing your personal data, the Internet does not offer complete confidentiality and security. You acknowledge and confirm that the Internet is not a secure medium and communication over the Internet is subject to possible interception, loss and alteration. None of CanAm Special Risk Insurance Agency Limited, its third party administrators, agents, employees, directors, officers or affiliated companies shall be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet. All such communication will be at your own risk.

We may use "cookie" or related technology in order to track usage of this Website, and in order to service you when you use this Website.

PRODUCT AND WEBSITE AVAILABILITY

The products described in this Website are available and intended only for distribution in selected provinces and territories in Canada and only where they may lawfully be sold. The use of portions of this Website is restricted to persons currently residing in those provinces and territories. Nothing in this Website is an offer to sell or distribute products in any other province or territory.

ACCURACY OF INFORMATION

All information on this Website, including quotations and information relating to premiums, is subject to change without notice. While we use our best efforts to provide accurate and up-to-date material on this Website, errors or omissions may occur. We make no warranties or representations as to the accuracy or timeliness of the material on this Website and assume no liability or responsibility for any errors or omissions on this Website.

If there is any conflict between information set out on this Website and the insurance policies to which such information relates, the terms of the insurance policies shall govern.

COPYRIGHT AND TRADE-MARKS

Names, phrases, logos, icons, graphics, images or designs, including design marks, used throughout this Website may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of CanAm Special Risk Insurance Agency Limited, its subsidiaries or affiliates. The Trade-marks are protected from copying or reproduction under national and international trade-mark and copyright laws and nothing contained herein shall be construed as conferring any license or right under any patent, trade-mark, copyright or other proprietary right. The use of the Trade-marks is strictly prohibited. All rights reserved.

The contents of this Website are the copyright of CanAm Special Risk Insurance Agency Limited and are protected under the laws of Canada and other countries. All rights reserved. In addition, certain information may be copyrighted by others. You may download material displayed on this Website for your personal use only, but you may not reproduce or distribute this material in whole or in part without our prior written consent, which may be arbitrarily withheld. Any infringement of these rights will result in appropriate legal action.

Copyright©, 2009-2011, CanAm Special Risk Insurance Agency Limited.

LINKS

Other sites that may be accessed from this Website by links are entirely independent of this Website. The inclusion of any site acknowledgments, identification of any person or entity in this Website, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement of such person or entity’s website content, or the products or services of the linked sites.

If you link to any sites from this Website, you do so at your own risk.

GOVERNING LAW

You agree that the laws of the Province of Ontario, Canada and the federal laws of Canada applicable therein govern as to the interpretation, validity and effect of this agreement and with regard to any use of this Website and any issues which may arise with respect to this Website, without regard to rules relating to conflict of laws. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this Agreement or your use of this Website.

SEVERED PROVISIONS

If any provision of this agreement is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

ENTIRE AGREEMENT

This is the entire agreement between you and us relating to the subject matter.