Terms and Conditions

Important notices to all users of this Website:

Specialty Life Insurance ("this Website") is wholly owned and operated by Insurance Supermarket Inc. ("ISI" "we" 'us" "our"). ISI is a licensed insurance agency in all provinces and territories of Canada where our Website is available. We hope you use this website and the features contained herein, but ask that you take a moment to read these Terms and Conditions of Use.

Each time you use this Website you indicate that you accept, without qualification or limit, these Terms and Conditions of Use.

We may revise periodically these Terms and Conditions of Use. We will notify you of any changes by posting such changes on this Website. Your continued access and browsing following such notice indicates that you agree to and accept these Terms and Conditions of Use, as amended. If you do not agree to any such changes, you must immediately stop accessing and browsing this Website.

Product and Website Availability

The insurance products described in this Website are available only in Canada and then only in selected provinces and territories in Canada and only where they may lawfully be sold. The use of this Website is restricted to persons currently resident in those areas.

Information Accuracy

All information on this Website, including quotations and information relating to premiums, product features or product guarantees, is subject to change, prior to purchase, without notice. We strive to provide accurate and up-to-date material on this Website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material and information provided on this Website. We assume no liability or responsibility for any errors or omissions contained on this Website.

Ownership of Intellectual Property

The content of this Website is the copyright of Insurance Supermarket Inc. and is protected under the laws of Canada and other countries. All rights reserved.

Trademarks and Company Identification

This Website contains many of the valuable trademarks and names, designs, copyrights and other proprietary material owned and used by Insurance Supermarket Inc. and, where indicated, Chubb Life Insurance Company of Canada (the "Trademarks"). The use of the Trademarks is strictly prohibited. All rights reserved.

Insurance Providers

All insurances described on this Website are issued and underwritten by Chubb Life Insurance Company of Canada.

Links to third-party web sites

This Website may contain links to third-party web sites that are not owned, operated or controlled by us. These links are provided solely as a convenience to you and not as an endorsement by us of such third-party web sites. We are not responsible for the content of any third-party web site, nor does it make any representation or warranty of any kind regarding any third-party web site including, without limitation:

(i) any representation or warranty regarding the legality, accuracy, reliability, completeness, timeliness, suitability of any content on any third-party web site;

(ii) any representation or warranty regarding the efficacy or fitness for a particular purpose of any material, content, software, goods or services located at or made available through such third-party web sites; or

(iii) any representation or warranty that the operation of the third-party web sites will be uninterrupted or error free, that defects or errors in such third-party websites will be corrected or that such third-party websites will be free from viruses or other harmful components.

Contact From Us

By submitting any personal contact information to this website, you hereby understand that you may be contacted by Specialty Life Insurance or any designated agents or affiliates as related to the nature of the submission of said information. If you wish to cease contact with Specialty Life Insurance or any of its designated affiliates or agents, please make this request known at initial contact.

Disclaimer

Neither Insurance Supermarket Inc. nor Chubb Life Insurance Company of Canada, nor any of their third party administrators and agents, employees, directors, officers and affiliated companies and participating insurance suppliers, 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 any person as a consequence of, or 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. You agree that the use of this Website, and any sites linking to or from this Website, is entirely at your risk.

Insurance Supermarket Inc. does not assume any liability or responsibility for any damage to you, your computer, or your other property, due to your access to, use of, or downloading of this Web site or any materials provided on this Web site.

Although every effort is taken to ensure no one else will see or obtain your personal data, complete confidentiality and security is not yet possible over the Internet. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not 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, and that all such communication will be at your own risk.

Applicable Law

You agree that the laws of the Province of Ontario, Canada govern any use of this Website and any issues which may arise with regard to this Website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this Website or material from this Website. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

Severability/Entire Agreement

If any provision of these Terms and Conditions of Use are deemed unenforceable, that provision shall be deemed severed from the remainder or our agreement with you/these Terms and Conditions of Use and shall not affect the validity and enforceability of the remaining provisions.