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Legal/Terms of Use Treasures Insurance

General

The contents of (the “Website”) are proprietary to Treasures Insurance. Treasures Insurance meaning Treasures Insurance & Risk Management Inc., and all its affiliates and subsidiaries. When you access the Website, you accept and agree to be bound by and comply with the terms and conditions in respect of the Website as set forth and described herein as well as at other locations on the Website (the “Terms”). Please review the Terms. If you do not accept the terms and conditions, please refrain from accessing or using the Website.

The information provided by Treasures Insurance is believed to have been accurate and reliable when posted on the Website, but Treasures Insurance cannot and does not guarantee that it is accurate or complete or current at all times. Treasures Insurance has no obligation to update information presented on the Website and the terms and conditions may be changed at any time without notice. You agree to review the Terms regularly and your continued access or use of the Website will mean that you agree to be bound by any such changes.

When you access the Website you agree to surrender any legal rights whatsoever resulting from the use of the Website or from any information thereon. All Terms will apply irrespective of the specific use made by Internet users of the Website.

Use of the Website

The Website is not intended to provide specific insurance, financial, legal, accounting or tax advice for any individual or business entity and should not be relied on for such advice. Persons seeking insurance advice should contact a licensed professional. The Website shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with a licensed Treasures Insurance representative.

The terms, exclusions and conditions of the contracts relating to insurance or services mentioned on the Website are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance or financial product purchased, or to the service offered, and by any applicable laws and regulations. In case of any discrepancy between the contract and the Website, the contract will prevail and govern.

Treasures Insurance products and services are available only in Canada, in jurisdictions where they may be legally offered for sale. Only Canadian residents who can validly be bound by an agreement under applicable laws can use the Website. Individuals residing in an area where the access to or use of the Website or any part of is illegal or prohibited are not permitted to use the Website. It is your responsibility to determine if you can legally use the Website in compliance with all applicable laws. Not all Treasures Insurance products and services are available in all geographic regions.

This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which the distribution and selling of financial products and services by Treasures Insurance is prohibited. Persons accessing the Website are required to obtain information about and observe any relevant restrictions.

Intellectual Property

The Website is protected by Copyright laws and International Agreements on such matters, and its content cannot be altered without infringing on the author’s rights and his/her moral rights.

The texts, illustrations, graphics and images displayed on the Website are and will remain at all times the property of the author, unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published or distributed, in whole or in part, as the case may be, without express permission from the author and Treasures Insurance.

Certain names, phrases, logos, icons, graphics, images or designs, including the design marks, used throughout the Website may be trade names, registered or unregistered trademarks or services marks (“Trademarks”) of Treasures Insurance, its subsidiaries or affiliates. The display of Trademarks on the Website is not an implied license to any third party for use of the Trademarks.

Except as provided on the Website, no one has permission to copy, redistribute, reproduce or republish any information found on the Website, which includes uploading or downloading without the prior written consent of Treasures Insurance. Any unauthorized downloading, copying, or modifying of the contents of the Website may thus be in violation of federal or common law trade mark and/or copyright laws. Any downloading, retransmission, copying, modifying or alteration of Trademarks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.

Governing Laws and Interpretation

The laws of the Province of Alberta and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the Website. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Alberta in any action or proceeding instituted under or related to the Terms or your use of the Website.

The terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on the Website.

If any term or condition is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the terms and conditions and shall not affect the validity and enforceability of any remaining provisions herein.

When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.

Website Content

The information contained on the pages of the Website is subject to modification and update from time to time without notice. Treasures Insurance does not guarantee or ensure the accuracy, completeness, currency or authenticity of any Website content, Website functionality, or your transmission of any Website content from the Website to you.

Certain aspects of the Website have been prepared by persons independent from Treasures Insurance. Other World Wide Web websites that may be accessed from the Website by hypertext links are entirely independent of the Website. The inclusion of any website acknowledgments, identification of any person or entity in the Website, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement of such person’s or entity’s World Wide Web website, products, services, or contributions to the Website. You access these sites at your own risk. Treasures Insurance cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the site or of other sites connected to the site by hyperlink.

Other World Wide Web websites which may provide access to the Website by hypertext links are entirely independent of the Website. Any direction by a third party to the Website shall not, in any manner be construed as an endorsement by Treasures Insurance of such party’s World Wide Web website, products or services. The publishers of the outside sites manage their content which are not reviewed, nor approved by Treasures Insurance. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. Treasures Insurance cannot guarantee that these links are functional or secure.

Security

You acknowledge and confirm that the internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Website cannot be guaranteed and you acknowledge that your use of the Website (including information you transmit to the Website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Treasures Insurance shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Privacy

Information provided by you through our Website is used for Treasures Insurance business purposes only in order to service your needs as a customer.

Treasures Insurance may use “cookie” or related technology in order to track usage of the Website, and in order to improve our service to you. For further information of Treasures Insurance privacy policy or to view Treasures Insurance privacy policy click here.

Liability

You agree that your use of the Website shall be on an “as is” basis entirely at your risk. Neither Treasures Insurance, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Website or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Website, including without limitation any direct, indirect, special, third party, or consequential damages. Without limiting the foregoing, Treasures Insurance shall not be responsible for any detrimental reliance that you may place upon the Website or its contents whatsoever. The materials and information on the Website are provided as is, and without warranties of any kind, either expressed or implied.

Without limiting the above, Treasures Insurance does not represent or warrant that the Website or its content will be available or will function without interruption or that it will be free of errors or that any errors will be corrected. In addition, it does not represent or warrant that the use of the site and, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other destructive or disruptive components or that your use of the Website and its content will not infringe the intellectual property or other rights of any third party.

When using the site, you have to take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using the site.

“In our past relationships we were never sure we were getting the best prices for our clients. We also never heard from our agent from renewal to renewal.”

~Coutts & Associates Inc.

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