Terms of Use

Last modified on February 1, 2012

General

This Website is owned and operated by Carinsurance, part of Arthur J. Gallagher Canada Limited. ("we" "us" "our"), which is an insurance brokerage licensed in those jurisdictions of Canada where it carries on business.

Acceptance of Terms and Conditions of Use

By accessing and browsing this Web site, visitors ("you") accept, without limitation or qualification, the terms and conditions of use set out below ("Terms of Use"). If you do not agree to these Terms of Use you must immediately stop accessing and using this Web site. We may at any time revise, add or remove portions of these Terms of Use by updating this posting and providing notice of a change on this Web site, and by changing the last date of modification which appears above. Your continued access and browsing following notice of a change means that you agree to and accept these Terms of Use as amended. If you do not agree to any changes to these Terms of Use, you must immediately stop accessing and browsing this Web site.

Product and Web Site Availability

The products described in this Web site are available only in the Province of Ontario and only where they may lawfully be sold. The use of this Web site is strictly limited to persons who currently reside in the Province of Ontario.

Content (DISCLAIMER)

THIS WEB SITE IS ONLY INTENDED TO PROVIDE GENERAL INFORMATION. IT IS NOT INTENDED TO PROVIDE SPECIFIC INSURANCE INFORMATION OR ADVICE FOR ANY INDIVIDUAL OR BUSINESS ENTITY, NOR IS IT INTENDED TO PROVIDE FINANCIAL, LEGAL, ACCOUNTING OR TAX ADVICE, AND SHOULD NOT BE RELIED UPON FOR SUCH ADVICE. PERSONS SEEKING INSURANCE ADVICE SHOULD CONTACT US OR ANOTHER LICENSED INSURANCE PROFESSIONAL SO THAT ALL THE UNIQUE AND INDIVIDUAL CIRCUMSTANCES CAN BE TAKEN INTO ACCOUNT.

Information Accuracy (DISCLAIMER)

ALL INFORMATION ON THIS WEB SITE, INCLUDING QUOTATIONS AND INFORMATION RELATING TO PREMIUMS IS SUBJECT TO CHANGE WITHOUT NOTICE. WE STRIVE TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS WEB SITE. HOWEVER, WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OR TIMELINESS OF THE INFORMATION PROVIDED ON THIS WEB SITE. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS ON THIS WEB SITE.

Insurance and Premium Information (DISCLAIMER)

AS A LICENSED INSURANCE INTERMEDIARY, WE HAVE ARRANGEMENTS WITH SOME, BUT NOT ALL, LICENSED CANADIAN INSURERS. ALL INSURANCE PRODUCTS AND SERVICES REFERRED TO ON THIS WEB SITE ARE OFFERED AND PROVIDED BY THESE LICENSED CANADIAN INSURERS. BY USING THIS WEB SITE YOU ACCEPT THAT ANY PREMIUM AMOUNTS ILLUSTRATED EITHER ON OUR "QUOTATIONS" PAGE OR OTHERWISE ON THIS WEB SITE ARE NOT GUARANTEED OR BINDING ON US OR ON ANY INSURER. ALL PREMIUM AMOUNTS ILLUSTRATED ON THIS WEB SITE ARE SUBJECT TO VERIFICATION BY THE INSURER. TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, ANY SUCH INSURER MAY DECLINE TO ISSUE AN INSURANCE CONTRACT TO YOU FOR ANY REASON. NO INSURANCE SHALL ISSUE OR BE BOUND THROUGH THE USE OF THE WEB SITE WHICH IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.

NOTHING STATED IN THIS WEB SITE SHALL BE CONSTRUED TO EXTEND, EXPAND OR MODIFY THE TERMS OF ANY CONTRACT OF INSURANCE THAT EXISTS OR SHALL EXIST IN THE FUTURE. ANY QUESTIONS ABOUT THE INSURANCE PRODUCTS QUOTED ON THIS WEBSITE SHOULD BE DIRECTED TO A LICENSED INSURANCE PROFESSIONAL.

Use of Your Personal Information

By using this Web site and entering information, you agree that we may use your personal information to contact you through one of our licensed insurance professionals for the purposes of discussing your insurance needs and possibly offering you insurance products, enhancements and related services that we think may be of interest to you. For further information about our personal information practices kindly refer to our privacy policy at http://www.carinsurance.ca/content/privacy-policy.

Cookies

To access our online quote and in order for us to save your quote, you must allow our server to save a small file (called a "cookie") on your computer. If you deactivate cookies in your navigation software, you will not be able to get a quote for an insurance policy online. Cookies also give us capability to understand how visitors use our site. We use this information to optimize our website and improve the visitor's experience.

Intellectual Property

This Web site contains the trademarks, trade names, processes, methodologies as well as copyrighted and other proprietary material owned by us and/or our affiliated companies (the "Intellectual Property"). The Intellectual Property on this Web site is protected from copying or reproduction under the laws of Canada and other countries and nothing contained herein shall be construed as conferring by implication or otherwise any licence or right under any patent, trademark, copyright or other proprietary right. You may only use the Intellectual Property in conjunction with your lawful use of this Web site in accordance with these terms and conditions and any other use of the Intellectual Property is strictly prohibited. Any right in the Intellectual Property not expressly granted in these terms and conditions are reserved.

Links

We have not reviewed any or all of the sites that may be linked to this Web site and we are not responsible for any sites linked to this Web site. Your linking to any sites from this Web site is at your own risk. By linking to a site or permitting a link to this Web site, we do not endorse or accept any responsibility for the site operator or the content linked to the site.

Disclaimer

NONE OF CARINSURANCE (INCLUDING ANY OF ITS THIRD PARTY ADMINISTRATORS AND AGENTS, EMPLOYEES, DIRECTORS, OFFICERS AND AFFILIATED COMPANIES AND PARTICIPATING INSURERS), SHALL BE LIABLE FOR ANY LOSS, HARM OR DAMAGE, INCLUDING WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, THIRD PARTY OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED AND EVEN WHERE THE LIKELIHOOD OF SUCH DAMAGES WAS FORESEEABLE, TO ANY PERSON AS A CONSEQUENCE OF, OR ARISING OUT OF:

  • YOUR ACCESS TO, OR USE OF, THIS WEB SITE OR ANY MATERIAL PUBLISHED ON THIS WEB SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES; AND
  • THE FAILURE OF INFORMATION TO BE PROPERLY TRANSMITTED TO US UNLESS WE CONFIRM RECEIPT OF THE INFORMATION BY FACSIMILE TRANSMISSION OR BY REGULAR MAIL.

YOU AGREE THAT THE USE OF THIS WEB SITE, AND ANY SITES LINKING TO OR FROM THIS WEB SITE, IS ENTIRELY AT YOUR OWN RISK.

Jurisdiction

By accessing and using this Web site, you agree that the laws of the Province Ontario and the applicable Federal laws of Canada apply, without reference to any conflict of law principles, to any issue that might arise regarding this Web site. You hereby irrevocably attorn to the exclusive jurisdiction of the courts of the Province of Ontario for any claims relating to these terms of use or the Website.