insurance-canadian.com - Terms of Service

Date: May 2, 2012

Welcome to insurance-canadian.com (the "Website"). The following terms of service ("Terms of Service") govern your use of the Website. It is vitally important that you read the Terms of Service carefully as your use of the Website and the services and goods provided through our Website will constitute your agreement to be legally bound by the terms and conditions set forth in these Terms of Service.
If for any reason you do not agree to these Terms of Service in their entirety, you may not use the Website or the services provided by the Website.
We may amend these Terms of Service from time to time. If you continue to use the Website and/or the services provided by the Website after the amendments become effective, you are deemed to have agreed to be bound by the Terms of Service as amended. If you do not agree to the amended Terms of Service, then you agree not to use the Website and the services provided by the Website.
To use this Website and the services, you must be of legal age to enter into a binding contract and not be prohibited from using the Website or the services by the laws of the jurisdiction from which you access the Website or the services.
Our forums have additional terms of service that are not mentioned in these Terms of Service. These terms are posted on the forums.

1. Our Service

insurance-canadian.com provides a variety of insurance-related content and services (the "Service"). insurance-canadian.com owns and retains all intellectual property rights in the Service, including the insurance-canadian.com content. While insurance-canadian.com is not required to screen content accessible through links on the Service, insurance-canadian.com reserves the right to do so and to remove any such links at any time. We can not guarantee the accuracy of any of the information contained on our Website. The views and opinions expressed on the Website do not reflect the views and opinions of insurance-canadian.com.

2. Use of the Services.

The information contained within this Website is intended for consumer and informational use only. You agree that you will not reproduce, duplicate, copy, sell, trade or otherwise exploit the Services for any commercial purpose. Content may be reproduced for non-commercial purposes only as long as insurance-canadian.com is notified of such usage. Your use of the Service is subject to all applicable laws and regulations. You acknowledge and agree to all of the-then current terms of our privacy policy as set forth on the Website and as updated from time to time by insurance-canadian.com in its sole discretion. You are solely responsible for the products or services you buy through the Service. By providing links to other sites, insurance-canadian.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to insurance-canadian.com. You must not: (a) directly or indirectly, interfere or attempt to interfere with the proper working of the Website, any account, or any communication or transaction being conducted on our Website; (b) use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content on the Website without our prior expressed written permission; (c) take any action which imposes an unreasonable or disproportionately large load on our infrastructure, (d) use or disclose (to anyone except insurance-canadian.com) any confidential information you obtain from insurance-canadian.com, (e) conduct fraud, hide or attempt to hide your identity, represent yourself as someone else, use a false email address, compromise or attempt to compromise the security of any account, interfere or attempt to interfere with the proper working of the Service, or (f) send any unsolicited e-mail or advertising to any known user.

3. Content You Submit.

By submitting, posting or displaying any content on or to the Service, including, without limitation, articles, reviews, feedback, job postings, and messages on our public forum and blogs (regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you grant insurance-canadian.com and its affiliates, agents and third party contractors a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to reproduce, adapt, modify, translate, display, publish, publicly perform, publicly display and distribute any content you submit, post or display through the Services. You agree that any content you submit may be republished anywhere on our Website without your prior consent. Your content may also be referenced in other publications and marketing materials not affiliated with insurance-canadian.com. You shall be solely responsible for your own submissions and the consequences of posting or publishing them. In connection with each of your submissions, you affirm, represent, and/or warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the above license to insurance-canadian.com. You agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to or infringes or misappropriates third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant insurance-canadian.com all of the rights granted herein; (ii) publish falsehoods or misrepresentations; (iii) use the Service for any illegal purpose or submit material that is unlawful, obscene, harmful, tortious, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; (iv) post personal identity information such as credit card numbers, or (v) post advertisements or solicitations (except job postings on our career board), unless you have received our prior express written consent. insurance-canadian.com reserves the right to remove or not publish submissions without prior notice. The foregoing content license shall not apply to the extent you have submitted content to the Websites pursuant to a written agreement executed by you and insurance-canadian.com. If you are a copyright owner or agent thereof and believe that user content infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. � 512(c)) to our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

4. Your Requests for Information.

We may reject any request for information for any reason or no reason, including, without limitation, if a request (i) does not appear legitimate, (ii) is not filled out in its entirety, or (iii) is determined by insurance-canadian.com to violate any of these Terms of Service. Your contact information will be retained by insurance-canadian.com. Except as set forth herein and in our privacy policy, we will not sell your information to any third parties. You will receive communications by email to confirm your request and to later provide us with feedback.

5. Links.

insurance-canadian.com and its affiliates provide links to external websites or resources to sign up for products and services provided by third parties, or for your convenience and reference. insurance-canadian.com and its affiliates do not endorse and are not responsible for the availability of these external websites or resources or for any content, advertising, products, or other materials on or available from such external websites or resources. Your use of and dealings with the owners or operators of these external websites or resources are at your own risk. You cannot make any claim against insurance-canadian.com or its affiliates arising out of your use of external websites or resources.

6. Disclaimer of Warranties.

YOU EXPRESSLY AGREE THAT ALL SERVICES (INCLUDING THE CONTENT) PROVIDED ON OR THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. insurance-canadian.com EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. NEITHER insurance-canadian.com, ITS AFFILIATES AND RELATED ENTITIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICE (INCLUDING THE CONTENT) ARE ACCURATE, RELIABLE OR CORRECT; THAT THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE CONTENT OR SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT YOUR INFORMATION WILL BE KEPT PRIVATE AND CONFIDENTIAL (EXCEPT AS SET FORTH IN insurance-canadian.com'S PRIVACY POLICY). YOUR USE OF THIS WEBSITE IS SOLELY AT YOUR OWN RISK. FOR THE AVOIDANCE OF DOUBT, insurance-canadian.com WILL BEAR NO LIABILITY FOR ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIALS DISPLAYED, PURCHASED OR OBTAINED BY YOU IN CONNECTION WITH THE SERVICE. FURTHERMORE, insurance-canadian.com DOES NOT ENDORSE, WARRANT OR GUARANTEE THE PRODUCTS OR SERVICES OF ANY OF ITS PARTNERS. YOU AGREE TO USE OUR WEBSITE AND THE SERVICE AT YOUR OWN RISK.

7. Limitation of Liability.

insurance-canadian.com AND ITS DIRECTORS, OFFICERS, PARTNERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS, AFFILIATES, SUCCESSORS AND ASSIGNS (THE "insurance-canadian.com PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR INFORMATION, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, IDENTITY THEFT, OR OTHER INTANGIBLE, EVEN IF THE insurance-canadian.com PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE insurance-canadian.com PARTIES' COLLECTIVE MAXIMUM LIABILITY TO YOU UNDER OR RELATED TO THESE TERMS OF SERVICE SHALL IN NO EVENT EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE SERVICES, IF ANY. THE LIMITATIONS OF LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT.

8. Indemnification

You agree to indemnify and hold each of insurance-canadian.com, its affiliates, officers, directors, employees, partners, representatives, contractors, successors and assigns harmless from any claim or demand, including attorneys' fees, arising out of your use of the Website or the Service or your violation of our Terms of Service, or the infringement by you, or any other subscriber of your account, of any intellectual property or other right of any person or entity.

9. Termination.

If you breach any provision of the Terms of Service, you may no longer use the Service. You may cease using the Services at any time. insurance-canadian.com may, in its sole discretion, change, suspend, or terminate, temporarily or permanently, the Service or any part of it at any time, for any reason, without notice to you and without liability to you or any other person. If insurance-canadian.com terminates the Terms of Service for any reason, the Terms of Service will continue to apply and bind you with respect to your prior use of the Service. Upon termination, insurance-canadian.com may remove from the Website and permanently delete and destroy any content that you or others may have posted or submitted without any prior notice or liability to you or any other person.

10. Miscellaneous.

Nothing in these Terms of Service is intended to or will create any form of partnership, joint venture, agency, or employment relationship between the parties. You may not assign these Terms of Service, by operation of law or otherwise, without the prior written consent of insurance-canadian.com. These Terms of Service shall inure to the benefit of and be binding upon you and insurance-canadian.com and your and our respective successors and permitted assigns. The failure of either party to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision unless acknowledged and agreed to by such party in writing. If a court of competent jurisdiction declares any provision of these Terms of Service to be invalid or unenforceable, the remainder of these Terms of Service will continue in full force and effect. These Terms of Service shall be construed in accordance with the laws of the Province of Alberta, without giving effect to its conflict of laws provisions. You and insurance-canadian.com agree to submit to the exclusive jurisdiction of the courts located in Calgary, Alberta, Canada with respect to disputes hereunder. The following sections shall survive termination of the Terms of Service: 3, 5, 6, 7, 8, the last paragraph of 9, and 10. These Terms of Service constitute the entire agreement between you and insurance-canadian.com relating to the subject matter hereof and supersede all prior agreements relating to the subject matter hereof.