Important
Disclaimer & Privacy/Copyright Notice
Disclaimer
Our agency makes reasonable efforts to present accurate
and reliable information on our website. However, we are not responsible
for any errors in or omissions from the information contained in or
accessed through this Site, nor for the timeliness of the information.
The information in this Site is not intended to provide specific advice
about individual legal, business or other questions, and it is not a
substitute for users' independent research and evaluation of any issue.
If specific legal or other expert advice is required or desired, the
services of an appropriate, competent professional should be sought.
All of the information in this web site is provided "as is"
without warranty of any kind whatsoever. We make no representations
of any kind whatsoever and disclaim all express, implied, statutory
or other warranties of any kind whatsoever to the user and/or any other
party, including, without limitation, any warranties of accuracy, timeliness,
completeness, efficacy, merchantability, and fitness for any particular
purpose. Our agency shall have no tort, contract or any other liability
to users of this Site and/or to any other party. We shall not be liable
to users and/or any other party for any lost profits or lost opportunities,
or any indirect, special, consequential, incidental or punitive damages
whatsoever, even if we have been advised of the possibility of such
damages. Hyperlinks Are Not Endorsements.
Links to other Websites, or references to products,
services or publications, other than those of our agency at this Site,
do not imply our endorsement or approval of such Websites, products,
services or publications, nor are such links or references any indication
that we have received specific authorization to provide these links
or references. We do not endorse, approve, certify or control any external
Websites, and we are not responsible for the accuracy, timeliness, completeness,
efficacy, merchantability, fitness for any particular purpose or correct
sequencing of information located at such sites. Rather, the links on
this Site to other Websites are provided solely as a convenience to
users of this Site.
Notice
of Copyright Ownership
The works of authorship including, but not limited to,
all design, text, images, and sounds, contained in this Site (individually
and collectively "Publications"), are owned by this agency,
except as otherwise expressly stated. The Publications, prepared in
Canada, may not be copied, reproduced, transmitted, displayed, performed,
distributed, rented, sublicensed, altered, stored for subsequent use
or otherwise used in whole or in part (individually and collectively
"Reproduced") in any manner without our agency's prior written
consent, except to the extent that such use constitutes "fair use"
under the Canadian Copyright Act and except for one temporary copy in
a single computer's memory and one unaltered permanent copy to be used
by the viewer for personal and non-commercial use only, with an attached
copy of this Disclaimer Notice. Some of the works of authorship on the
Site were provided under license from other entities with all rights
reserved. You may provide a hypertext link to this Site on another Website,
provided that: (a) the link must be a text-only link and clearly marked
as a link to our site, listing our agency's name entirely. (b) the link
must "point" to the URL "index.html" page, and not
to other pages within the Site; (c) the appearance, position and other
aspects of the link may not be such as to damage or dilute the goodwill
associated with our name and trademarks; (d) the appearance, position
and other aspects of the link may not create the false appearance that
an entity, product, service or work of authorship is associated with,
sponsored by or endorsed by our agency; (e) the link, when activated
by a user, must display this Site full-screen and not within a "frame"
on the linked Website; and (f) we reserve the right to revoke its consent
to the link at any time, for any reason, in its sole discretion. If
you are interested in obtaining a license to Reproduce one or more of
our publications, please contact us at the phone number or e-mail address
provided within our pages.
Severability
Some Canadian Provinces and foreign countries provide
rights in addition to those above or do not allow the exclusion or limitation
of implied warranties or liability for incidental or consequential damages.
Therefore, the above limitations may not apply to you, or there may
be provincial provisions which supersede the above. Any clause of this
Disclaimer Notice declared invalid by the appropriate authority shall
be deemed severable and shall not affect the validity or enforceability
of the remainder of this Disclaimer Notice.
Notice
of Privacy
Our agency makes every possible effort to maintain your
complete and absolute privacy while using our web site. Your personal
information will never be shared with others, sold or given to any other
entity for marketing purposes, or passed on to third parties for any
other reason. We ask as little personal information possible to prepare
insurance quotations. If information is ever viewed by another party
it is purely accidental, and in using our site, you release us from
liability should this information be retrieved, downloaded, or viewed
against our wishes, and contrary to privacy rules and laws. We shall
not be held liable for any fraudulent, dishonest, or criminal acts of
others who view or steal such information through technical or other
means.
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