Using This Site

Conditions of Use

Please read these Conditions of Use carefully. By accessing this website you agree to be bound by these Conditions of Use and any additional terms and conditions set forth on the individual pages of this website. If you do not agree, do not access or use this website.

No Advice

This website is not intended to provide specific insurance advice for any individual or business entity and should not be relied on for such advice. Persons seeking specific insurance advice should contact Ascentus Insurance Inc. (“Ascentus”) directly.

Copyrights and Trademarks

The contents of this website are protected by the copyright laws of Canada and other countries. Reproduction, redistribution, re-transmission, modification, republishing or making public or commercial use of all or any part of the material in this website, in any form without the expressed consent of Ascentus is prohibited.

Certain names, logos, designs, titles, words or phrases on this website may constitute trade marks of Ascentus and/or its affiliated companies. Any unauthorized downloading, copying, or modifying of the contents of this site may be in violation of federal or common law trade mark and/or copyright laws.

Accuracy of Information Contained in this Website

The information contained in this website is subject to change without notice. However, there is no commitment to update the information contained herein. Ascentus makes no representations or warranties with regard to the information contained herein. You are responsible for evaluating the quality, accuracy, completeness, and usefulness of all information and opinions provided in this website. In providing the information contained in this website, Ascentus is not rendering any legal, accounting or other professional advice or opinions on specific facts or matters. Ascentus assumes no liability whatsoever in connection with your use of this information. You should always consult with your own professional advisors with respect to your situation.

Ascentus MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. Ascentus HEREBY DISCLAIMS ALL WARRANTIES WITH REGARD TO THIS INFORMATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL Ascentus BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION BASED ON CONTRACT, NEGLIGENCE OR OTHER TORT, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THIS WEBSITE. Ascentus MAKES NO WARRANTIES OR GUARANTEES THAT ANY INFORMATION DIRECTLY OR INDIRECTLY TRANSMITTED TO OR FROM THIS SERVER IS SECURE OR THAT ANY INFORMATION CONVEYED WILL BE PRIVATE.

Information about Products and Services

The descriptions of the various products and services offered by Ascentus contained in this website are provided solely for general informational purposes. No offer is made or intended to be made on this website. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. In all cases, Ascentus products and services are governed by the terms and conditions of the actual policy.

Ascentus products and services mentioned in this website are available only in Canada, in jurisdictions where they may be legally offered. Not all Ascentus products and services are necessarily available throughout Canada.

Alterations

Ascentus reserves the right at any time without notice to revise the contents of this website including these Conditions of Use. Any changes to these Conditions of Use will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Conditions of Use.

Hyperlinks

As a convenience to you, this website contains links to other sites independently maintained by others. Because Ascentus does not control these other sites, we cannot make any representations regarding and are not responsible for the content or accuracy of the materials on these linked sites. In addition, the link to these sites should not be construed as a recommendation, endorsement, adoption or approval by Ascentus of any products or services offered by the sponsors of these sites, or the views or opinions expressed therein. Ascentus is not responsible for your use of such linked sites or the products or services offered by the sponsors of these sites. You should make an independent investigation and evaluation before acquiring any of such products or services

Jurisdiction

This website is administered by Ascentus from its office in Canada. This website will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. If you choose to access this website from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. All disputes, controversies, or claims arising out of or in connection with the website shall be submitted to and subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with this website.

By virtue of maintaining this passive website, Ascentus shall not be construed to be doing or transacting business or otherwise being subject to the jurisdiction of any governmental authority in which the user, or this or any linked site server or Internet provider is resident, domiciled or located. If any provision of this agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this agreement, which shall remain in full force and effect. No waiver of any term of this agreement shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in material on a particular page of this website, this agreement constitutes the entire agreement between you and Ascentus with respect to use of this website.