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Privacy Policy

Last Updated: March 2025

Our Company respects your concerns about privacy.

This Privacy Policy (“Policy”) applies to Our Company (the “Site”) and other online and mobile services and applications that link to or post this Policy (collectively, the “Online Services”), or through other means in the course of our business relationship with you.

This Policy describes the types of information we collect, how we may use that information and with whom we may share it. This Policy also describes the measures we take to protect the security of the personal information. We also tell you how you can reach us to ask us to answer any questions you may have about our privacy practices. Depending on your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.

This Policy is incorporated into and is subject to the [Terms of Use]. Your use of the Online Services and any information you provide through the Online Services is subject at all times to this Policy and the [Terms of Use], including its applicable limitations on damages and the resolution of disputes.

Table of Contents

1. Information We Collect
2. How We Use the Information We Collect
3. Sharing of Information
4. Cookies and Other Tracking Mechanisms
5. Your Choices
6. How We Protect Information
7. How We Retain Information
8. International Visitors
9. PIPEDA AND PHIPA
10. GDPR and the Data Protection Act 2018
11. Links to Other Websites
12. Articles and Other Interactive Services
13. Updates to Our Policy
14. How to Contact Us

Information We Collect

Information You Provide Directly to Us. We and our service providers may collect information, including personal information, that you provide us directly. The information that you provide us may include, but is not limited to: (a) contact information, such as your name, postal address, email address, telephone number, and fax number; (b) other identifying numbers or unique identifiers..

Information We Collect by Automated Means. When you use the Online Services, we and our service providers may collect or retain certain information over time and across different websites when you use the Online Services. We and our service providers may collect this information by automated means, using technologies such as cookies, Web server logs and Web beacons.

When you visit our Site, we automatically collect information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The Web server logs may also record information such as the address of the Web page that referred you to the Online Services and the IP address and actual location of the device you use to connect to the Internet. They may also log information about your interaction with the Online Services, such as which pages you visit. Please see the section “Cookies and Other Tracking Mechanisms” below for more information.

To the extent permitted by applicable law, we may combine the information you provide us and information we automatically collect with information from public or third-party sources.

How We Use the Information We Collect

We use the information we collect and receive to provide you with products and services and to operate, maintain, and enhance the Online Services. For example:

To Provide Our Services. We use the information we collect and receive to provide you with the products, services, or information that you request; to provide you with information about Online Services or required notices; to deliver marketing communications, promotional materials, and to customize your experience when using the Online Services, among other things.

To Improve Our Services. We use the information we collect and receive to improve the Online Services we provide, by generating and analyzing statistics about your use of the Online Services; and by developing new products and services.

To Communicate With You. We use the information we collect and receive to communicate with you about our Online Services and products, to respond to you when you contact us, and to let you know about our policies and terms or provide other notices required by law.

Use of Artificial Intelligence and Machine Learning. We may use artificial intelligence and machine learning capabilities to assist with certain analytics and inform decision-making involving our Online Services and products. Where necessary, we obtain your prior consent for this use.

To Maintain and Operate Our Online Services. We use the information we collect and receive to protect our rights and to detect, prevent, and respond to fraud; intellectual property infringement; violations of industry standards and our policies and terms, such as this Policy and our [Terms of Use]; violations of law; other misuse of the Online Services; or in situations involving potential threats to the safety or legal rights of any person or third party.

To Comply with Legal Obligations. We use the information we collect and receive to comply with law or legal proceedings. For example, we may disclose information in response to subpoenas, court orders, and other lawful requests by regulators and law enforcement, including responding to national security or law enforcement disclosure requirements.

Business Transfers. We use the information we collect and receive to consider and implement mergers, acquisitions, reorganizations, and other business transactions, and where necessary to the administration of our general business, accounting, recordkeeping, and legal functions.

We also may use the information in other ways for which we provide specific notice at the time of the collection.

Sharing of Information

We may share information we collect or receive in order to provide the services that you have requested, when we have your consent, or as otherwise described in this Policy. We do not rent or sell personal information to third parties.

We may share your information with service providers that perform services on our behalf, such as providing order and payment processing services, or delivering marketing communications that may be of interest to you. We also may share your information among our affiliates and subsidiaries. We may share information we collect on the Online Services at your request. For example, if you use the Online Services to send information to a third party, we may identify you as the sender.

We also may disclose information about you to third parties as required by law or regulation and when we have a good faith belief that it is necessary in order to protect the legal rights, safety, and security of Our Company, our affiliates, our business partners, users of our Online Services, to enforce our [Terms of Use], to respond to and resolve claims or complaints, to prevent fraud or for risk management purposes, and to comply with or respond to law enforcement or legal process or a request for cooperation by a government or other entity.

We reserve the right to transfer information in association with the consideration, negotiation, or completion of a sale or transfer of all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use the information you have provided to us in a manner that is consistent with our current Policy.

We may share aggregated or de-identified information for any purpose, including for marketing, advertising, research and similar purposes.

Cookies and Other Tracking Mechanisms

We and our service providers use cookies and other tracking mechanisms to track information about your use of our Site or Services. We may combine this information with other personal information we collect from you (and our service providers may do so on our behalf).

Cookies
Cookies are alphanumeric identifiers that we transfer to your device’s hard drive through your web browser for record-keeping purposes. Some cookies allow us to make it easier for you to navigate our Site and Online Services, while others are used to enable a faster log-in process or to allow us to track your activities at our Site and Online Service. There are two types of cookies: session and persistent cookies.

  • Session Cookies. Session cookies exist only during an online session. They disappear from your device when you close your browser or turn off your device. We use session cookies to allow our systems to uniquely identify you during a session or while you are logged into the Site and Online Services. This allows us to verify your identity after you have logged in, as you move through our Site and Online Services.
  • Persistent Cookies. Persistent cookies remain on your device after you have closed your browser or turned off your device. We use persistent cookies to track aggregate and statistical information about user activity.

Clear GIFs, Pixel Tags, and other Technologies. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web and app pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with our Site and Online Services to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage. We and our service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.

Third-Party Analytics. We use automated devices and applications, such as Google Analytics, to evaluate usage of our Site. We also may use other analytic means to evaluate our Site. We use these tools to help us improve our Site’s performance and user experiences. These entities may use cookies and other tracking technologies, such as web beacons, to perform their services.

Your Choices

We offer you certain choices about what personal information we collect from you, how we use that information, and how we communicate with you. Some areas of the Online Services provide features that allow you to access and update personal information you have provided there. Some areas contain features that permit you to register your communications preferences. You may visit the area of the Online Services where you provided personal information to learn if it provides these features. If it does not, you can contact us as described in the How to Contact Us section to update your preferences, ask us to remove your information from our mailing lists or submit a request.

How We Protect Information

We maintain reasonable administrative, technical and physical safeguards designed to protect the information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. Because no information system can be fully secure, we cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk.

How We Retain Information

We retain the personal information we collect only as reasonably necessary for the purposes described in this Policy, to comply with our legal obligations, or as otherwise disclosed to you at the time of collection. For example, if you maintain an account with us, we will retain your personal information for as long as we have a relationship with you, and then for an additional period of time to ensure we can comply with our legal obligations, or protect or defend against potential claims.

International Visitors

Our Company is based in Canada. We may store your information outside of Canada or transfer it to our affiliates and business partners located in other countries for the purposes described herein. By providing any data through the Online Services, you hereby expressly consent to such transferring and processing of your data in and to Canada and other countries.

Personal Information Protection and Electronic Documents Act (PIPEDA)

We are committed to protecting the privacy and confidentiality of personal and personal health information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and the Personal Health Information Protection Act, 2004 (PHIPA).

Purpose and Scope
Our organization collects, uses, and discloses personal and personal health information for the purposes of providing health care services, managing health records, and ensuring compliance with legal and regulatory requirements. This statement outlines our practices and procedures for handling such information.

Collection and Use

  • Collection: We collect personal and personal health information directly from individuals or through authorized third parties, with consent where required by law.
  • Use: Information is used for health care provision, administrative purposes, and as permitted or required by law.

Disclosure

  • Disclosure: We disclose personal and personal health information to authorized parties, including health care providers, for the provision of health care services, and as otherwise permitted or required by law.
  • Consent: Where consent is required, we obtain it from individuals or their authorized representatives.

Security and Safeguards

  • Security Measures: We maintain administrative, technical, and physical safeguards to protect personal and personal health information against unauthorized access, use, disclosure, modification, or destruction.
  • Electronic Audit Logs: For electronic health records, we maintain audit logs to track access and modifications, as required by law.

Access and Correction

  • Access: Individuals have the right to access their personal and personal health information, subject to limited exceptions.
  • Correction: Individuals may request corrections to their information, which we will address in accordance with applicable laws.

Complaints and Inquiries

  • Complaint Process: Individuals may direct complaints or inquiries regarding our privacy practices to our designated contact person.
  • Commissioner’s Review: Complaints may also be directed to the relevant privacy commissioner for independent review.

Compliance and Updates

  • Legal Compliance: Our practices comply with PIPEDA and PHIPA, and we regularly review and update our policies to ensure ongoing compliance with changing legal requirements.
  • Public Statement: This privacy statement is available to the public and outlines our information practices.

UK General Data Protection Regulation (GDPR),Data Protection Act 2018
We comply with the General Data Protection Regulation (GDPR) of the European Union and the UK General Data Protection Regulation (UK GDPR), as well as the Data Protection Act 2018 in the United Kingdom.

Data Protection Principles
We ensure that your personal data is processed in accordance with the following principles:

  • Fairness, Lawfulness, and Transparency: We process your data fairly, lawfully, and transparently, ensuring that you are informed about how your data is used.
  • Purpose Limitation: Your data is collected for specified, explicit, and legitimate purposes and is not further processed in a way incompatible with those purposes.
  • Data Minimization: We collect and process only the minimum amount of data necessary to achieve the intended purpose.
  • Accuracy: We ensure that your data is accurate and, where necessary, kept up to date.
  • Storage Limitation: Your data is kept for no longer than is necessary for the purposes for which it is processed.
  • Integrity and Confidentiality: We handle your data in a way that ensures appropriate security, including protection against unauthorized or unlawful processing, access, loss, destruction, or damage.

Special Categories of Data
We provide stronger legal protection for more sensitive information, such as race, ethnic background, political opinions, religious beliefs, trade union membership, genetics, biometrics (where used for identification), health, sex life, or orientation. We also have separate safeguards for personal data relating to criminal convictions and offenses.

Your Rights
You have the following rights regarding your personal data:

  • Right to be Informed: You have the right to be informed about how your data is being used.
  • Right of Access: You can request access to your personal data.
  • Right to Rectification: You can request that incorrect data be updated.
  • Right to Erasure: You can request that your data be erased under certain circumstances.
  • Right to Restrict Processing: You can request that the processing of your data be restricted.
  • Right to Data Portability: You can request that your data be transferred to another service provider.
  • Right to Object: You can object to how your data is processed in certain circumstances.
  • Rights Regarding Automated Decision-Making and Profiling: You have rights when your data is used for automated decision-making processes or profiling.

Complaints and Concerns
If you have any concerns about how your personal data is being handled, you can contact us directly. Additionally, you have the right to lodge a complaint with the relevant supervisory authority:

  • European Union: Contact the relevant national data protection authority.
  • United Kingdom: Contact the Information Commissioner’s Office (ICO) at 0303 123 1113 or visit their website for more information.

Links to Other Websites

The Online Services may contain third-party links, or provide links to other sites for your convenience and information. These websites may be operated by companies other than Our Company Linked websites may have their own privacy policies, which we strongly suggest you review if you visit any linked or third-party websites or services. This Policy does not apply to the third-party content; you acknowledge and agree that Our Company is not responsible for the information practices of third parties that are not under our control, and for the content of any websites that are not operated by us, any use of those websites, or the privacy practices of those websites.

Articles and Other Interactive Services

We may offer articles, online forums or other interactive services on the Online Services that enable visitors to post and share information and materials. Please note that any information you post or share through these services will become public information, and may be available to visitors who access the Online Services and to the general public.

Updates to Our Policy

This Policy may be updated periodically and without prior notice to you to reflect changes in our information practices or relevant laws. We will post a prominent notice on the Online Services to notify you of any significant changes to our Policy and indicate at the top of the notice when it was updated. You should review this Policy periodically. Your continued use of the Online Services constitutes your agreement to this Policy.

How to Contact Us

If you have any questions or comments about this Policy, or if you would like us to update information we have about you or your preferences, please contact us at our company email as provided on our website. If you are contacting us by email to request that we change or delete personal information that you submitted through the Online Services, please be sure to tell us which page or form on the Online Services you used to submit your information.

Terms of Use

Last updated: March 2025

1. Introduction
These Terms of Use (“Legal Terms”) describe the terms and conditions applicable to your access of Our Company and other online and mobile services and applications that link to or post these Terms of Use, and to your use of any Our Company products, software, and services provided to you on, from, or through the Our Company websites (collectively, the “Online Services”). The Online Services are owned, operated and controlled by Our Company (“Our Company”, “we”, “us”, or “our”), a member company.

By visiting or using the Online Services, you signify your agreement to (1) these Terms of Use, and (2) Our Company’s Privacy Policy and incorporated herein by reference. YOUR USE OF THE ONLINE SERVICES IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE. IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THE ONLINE SERVICES.

Our Company, may, at any time, for any reason and without notice, make changes to (i) the Online Services, including their look, feel, format, and content, as well as (ii) the products and/or services as described in the Online Services. Any modifications will take effect when posted. Therefore, each time you access the Online Services, you need to review the Legal Terms upon which access and use of these Online Services is conditioned. By your continuing use of the Online Services after changes are posted, you will be deemed to have accepted such changes.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND OUR COMPANY WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

2. Geographic Limitations
The Online Services are not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Online Services and their content, including the products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on the Online Services. Our Company makes no representation that the information, opinions, advice or other content on the Online Services (collectively, “Content”) is appropriate or that its products and services are available outside of Canada. Those who choose to access the Online Services from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products and services described on this Online Services are available in all geographic areas. Our Company reserves the right to determine all eligibility for such products and services in its sole discretion.

The Online Services may provide a general description of certain types of insurance products, coverage and services available through Our Company These descriptions are not a part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by Our Company Our Company does not guarantee a particular outcome and further assumes no liability in connection with the providing of these products and services.

3. Accounts
In order to access some features of the Online Services, you may have to create an account. When creating your account you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your user name and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your user name and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Our Company of any unauthorized use of your password or user name or any other breach of security. Until Our Company is properly notified of a breach of security by either email notice our email address or written notice by mail addressed to Our Company, at our address. You will remain responsible for any unauthorized use of the Online Services occurring under your user name and password. You will not violate, or assist in violating, the security of the Online Services, whether intentionally, negligently or otherwise. You will not attempt to utilize another user’s account, user name, password, or persona without authorization from that user.

For purposes of identification, you agree to provide Our Company with accurate, complete, and updated information required by registration to our service (“Registration Data”), including your legal name, address, telephone number(s), email. Our Company reserves the right to verify the accuracy of all Registration Data. You agree to promptly notify us of any change in your Registration Data. Failure to comply with this provision may result in immediate suspension or termination of your right to use the Online Services.

4. No Professional Advice
The Content available on the Online Services is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. It is not offered as legal, accounting or other professional advice. The Online Services are not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THE ONLINE SERVICES IN CONSULTATION WITH SPECIALISTS, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISORS, AS APPROPRIATE.

5. Your Use of Content
The Online Services are protected by copyright as a collective work and/or compilation, pursuant to copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, text, and other materials contained in the Online Services are the exclusive property of Our Company or its third party licensors; except as otherwise set forth in this Section 6. Except as expressly provided under this Section, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate the Online Services or a portion thereof without the prior written permission of Our Company.

You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of the Online Services for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on the Online Services, or the design or layout of the Online Services or individual sections of it, in any form or media. The systematic retrieval of data from the Online Services is also prohibited.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Online Services without the prior written consent of Our Company is strictly prohibited.

6. Your Content and Conduct
Email submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before emailing any information. Also, please consult our Privacy Policy, available on our company website.

You agree not to submit or transmit any emails or materials through the Online Services that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party’s permission or (iv) otherwise violate any applicable laws. Our Company shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Legal Terms, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

The Online Services may allow you to communicate with others through message boards and other features. When your account is used to submit, post, or add content to the services, you agree to accept sole responsibility for, and assume liability associated with, such content, including the information, statements, facts, and material contained in any form or medium. By submitting or posting content to or through the Online Services, you agree to grant, and hereby grant, Our Company a worldwide, royalty free, perpetual, irrevocable, non-exclusive and freely sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such content anywhere, for any purpose, in any form or medium now known or hereafter developed. Our Company reserves the right to review, edit, refuse to post, or to remove any of your content, in whole or in part, at any time.

7. Termination
Our Company may terminate the right of any user to access the Online Services at any time, with or without cause, in Our Company’s absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Online Services of specific grounds for termination of a user’s right to access the Online Services shall in no manner limit Our Company’s absolute right to terminate any user’s access to the Online Services.

8. Digital Millennium Copyright Act Take-Down Procedures
Our Company takes special precautions to respect the intellectual property of others and we ask that our users do the same. If you believe that the Online Services displays copyrighted material that infringes on your legal rights, and you want us to take down or disable the infringing materials, please provide Our Company’s copyright agent with the information listed below, which is intended to substantially conform to the requirements set forth in the Digital Millennium Copyright Act, 17 U.S.C. Section 512 (c)(3)(A).

Our Designated Agent for Notice of claims of copyright infringement on the Online Services is accessible through our company email as provided on our website. The following information must be submitted so that we may properly address any notice of complaint:

  • Identification of the copyrighted work claimed to be infringed.
  • Identification of the material claimed to be infringing together with “information reasonably sufficient to permit the service provider to locate the material.” Specifically, a complete URL or URLs in the case of multiple works, must be provided.
  • Your address, telephone number, and email address.
  • A statement that the complaining party believes, in good faith, that the copyrighted material identified is being used in a manner that is not authorized by “the copyright owner, its agent, or the law.”
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; plus a physical or electronic signature of the complaining party.
  • Any notification that fails to comply with the provisions above may not, in our sole discretion, be considered sufficient notice and may not be deemed to confer upon Our Company actual knowledge of facts or circumstances from which infringing material or acts are evident

9. Links
Our Company offers links to other web sites operated by other entities as a convenience to you in the belief that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Our Company makes no representation regarding the content or accuracy of any web site that you may access through the Online Services. Our Company does not monitor and is not responsible for the content found on other web sites that are linked from the Online Services. Inclusion of these links on the Online Services does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. Accordingly, Our Company assumes no responsibility or liability for the content of any linked sites. Before entering any linked site, you should review and understand that site’s privacy policy.

You may not link to the Online Services without Our Company’s written permission. If you are interested in linking to the Online Services, please contact our company email as provided on our website.

10. No Warranties
THE ONLINE SERVICES, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH OUR COMPANY EXPRESSLY DISCLAIMS. OUR COMPANY DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, AND OUR COMPANY WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE ONLINE SERVICES OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE ONLINE SERVICES, OUR COMPANY, UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE ONLINE SERVICES AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY OUR COMPANY SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

11. Limitation of Liability
YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. OUR COMPANY SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF OUR COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE ONLINE SERVICES OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE ONLINE SERVICES OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY OUR COMPANY SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.

12. Indemnification
You agree to indemnify and hold harmless Our Company, and our subsidiaries, affiliates, directors, officers, agents, licensors, or other partners and employees, from and against all liabilities, claims and expenses, including reasonable attorneys’ fees, made by any third party due to or arising out of any content that you submit, post, or transmit to or through the Online Services, your use of the Online Services, your violation of these Legal Terms, or your violation of any rights of another.

13. Arbitration
Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Our Company confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Legal Terms or the Online Services shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the International Centre for Dispute Resolution (ICDR). Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator’s decision and any award contained therein.

You can decline this agreement to arbitrate by contacting us at our company email as provided on our website, or by Canadian mail addressed to Our Company.

14. Governing Law, Location and Miscellaneous
These Legal Terms shall be governed in all respects by the laws of the province of Ontario, Canada without reference to its choice of law rules. If an applicable law is in conflict with any part of the Legal Terms, the Legal Terms will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

These Legal Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Our Company without restriction.