Terms and Conditions
BEFORE USING OR OBTAINING ANY MATERIALS, INFORMATION, OR SERVICES THROUGH THIS SITE, PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. InsureLine Brokers (A.N.Y) ("we" or "us") provides access to and use of this site ("Website") subject to your acceptance of these terms and conditions ("Terms"). By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, "Content") through this Website, you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this Website and cease your current access.
LICENSING
This Website is not intended as a solicitation for insurance in any state or province where InsureLine Brokers (A.N.Y) is not licensed.
OWNERSHIP
InsureLine Brokers (A.N.Y) and its content providers ("Providers") own and have copyrights on this Website and all of the Content, which is protected by US, Canadian, and International copyright laws and treaties. The information, materials, and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of InsureLine Brokers (A.N.Y). Trademarks, logos, and service marks displayed on this Website ("Marks") are the registered or common law Marks of InsureLine Brokers (A.N.Y) or its Providers. Your use of and access to this Website does not grant you any license or right to use any of the Marks. You may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Website.
USE
By using this Website, you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you are less than 18 years of age, you may not use this Website and you must leave immediately. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website. You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on InsureLine Brokers (A.N.Y)'s computer equipment. You may not use this Website for any commercial, financial, or other similar purpose without the express prior written consent of InsureLine Brokers (A.N.Y). Finally, you may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms. InsureLine Brokers (A.N.Y) reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein.
PRIVACY
Your use of this Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.
CO-BRANDED AREAS
In order to provide a greater breadth of services, certain functions provided on this Website are outsourced to third parties. Specifically, InsureLine Brokers (A.N.Y) has contracted with a third party to help improve our technical services and operations as well as provide additional business services to our visitors. Certain pages on this Website, therefore, are operated and controlled by a third party ("Co-Branded Areas"). These Co-Branded Areas continue to display InsureLine Brokers (A.N.Y)'s trademarked logo at the top of the page but are nonetheless operated and managed by a third party. These Terms, in conjunction with any further terms and conditions posted in the Co-Branded Areas, govern your access and use of those areas. In all other respects, access to the Co-Branded Areas is at your own risk. Links. This Website may contain links to other sites on the World Wide Web, other than the Co-Branded Areas. When you access a link that takes you to an unaffiliated website, a "pop-up" screen will appear indicating that you are leaving this Website. Links to outside sites do not constitute or imply endorsement by InsureLine Brokers (A.N.Y) of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. Access to these sites is at your own risk.
PRODUCTS/QUOTATIONS
Under no circumstances should you regard any information you may access on this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Website does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by InsureLine Brokers (A.N.Y) to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary, and Website visitors must carefully review their own insurance policies and consult with their insurance advisors.
DISCLAIMER OF WARRANTIES
INSURELINE BROKERS (A.N.Y) AND ITS PROVIDERS MAKE NO WARRANTY OF ANY KIND REGARDING THIS WEBSITE AND/OR THE CONTENT. THIS WEBSITE AND CONTENT ARE PROVIDED "AS-IS". INSURELINE BROKERS (A.N.Y) EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THIS WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. INSURELINE BROKERS (A.N.Y) FURTHER DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF ANY OF THE CONTENT ON THIS WEBSITE, AND FURTHER EXPRESSLY DISCLAIMS LIABILITY RESULTING FROM OR ARISING OUT OF ANY ERRORS OR OMISSIONS CONTAINED IN THE INFORMATION OR MATERIALS ACCESSED ON OR THROUGH THIS WEBSITE. INSURELINE BROKERS (A.N.Y) AND ITS PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS WARRANTY DISCLAIMER MAY NOT APPLY IN WHOLE OR IN PART TO YOU.
LIMITATION OF LIABILITY
INSURELINE BROKERS (A.N.Y) AND ITS PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR (A) ANY DAMAGES TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS THE RESULT OF YOUR ACCESS TO, USE OF OR BROWSING IN THIS WEBSITE OR YOUR DOWNLOADING OF ANY CONTENT OR (B) ANY INJURY, LOSS, CLAIM, DAMAGE, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, THAT ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH (i) ANY USE OF THIS WEBSITE OR THE CONTENT FOUND THEREIN, (ii) ANY FAILURE OR DELAY (INCLUDING WITHOUT LIMITATION THE USE OF OR INABILITY TO USE ANY COMPONENT OF THIS WEBSITE TO SUBMIT APPLICATIONS FOR INSURANCE PRODUCTS OR SERVICES), OR (iii) THE PERFORMANCE OR NON-PERFORMANCE BY US OR ANY PROVIDER, EVEN IF WE HAVE BEEN, OR A PROVIDER HAS BEEN ADVISED, OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.
CAUTIONARY STATEMENT ON FORWARD-LOOKING STATEMENTS
This Website contains press releases and other written statements issued by InsureLine Brokers (A.N.Y) and may include forward-looking statements which reflect the current views of InsureLine Brokers (A.N.Y) with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and other factors that could cause actual results to differ materially from such statements. The words "believe," "expect," "anticipate," "project," "plan," and similar expressions identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of their dates. InsureLine Brokers (A.N.Y) undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.
MISCELLANEOUS
These Terms are governed by the laws of the province of British Columbia, excepting its conflicts of law principles. Any dispute arising out of this Website shall be subject to the exclusive venue of a court of competent jurisdiction in Vancovuer, British Columbia. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by InsureLine Brokers (A.N.Y) to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and InsureLine Brokers (A.N.Y) relating to your use of the site and replace any prior oral or written understandings or agreements.
REVISIONS
InsureLine Brokers (A.N.Y) reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the "Terms and Conditions" link on this Website's home page. Any material changes to the Terms will be brought to your attention when you next visit this Website. In addition, the last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Website after the date of the last revision indicates your acceptance of any revisions.
Privacy & Security Policy
Our Privacy Statement and Commitment
InsureLine Brokers (A.N.Y) values your business and we thank you for your confidence in choosing our firm as your source of advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us. This document outlines our practice with respect to the collection, use, and disclosure of your personal information.
What we will not do with your information
We do not sell or share client information with organizations outside of our relationship with you that would use it to contact you about their own products or services.
InsureLine Brokers (A.N.Y) Privacy Statement
InsureLine Brokers (A.N.Y) below (“we”, “us” or “our”) take steps intended to meet privacy principles and requirements with respect to personal information under applicable Canadian privacy legislation. The purpose of this statement is to inform our customers and other individuals we deal with (“you” or “your”) how we collect, use, disclose, and protect your personal information. Personal information is information about an identifiable individual, as more particularly described under applicable privacy legislation. This Privacy Statement applies to our collection, use, and disclosure of personal information in Canada. This Privacy Statement does not apply to information about our employees or to information that is not personal information.
Personal Information We Collect
InsureLine Brokers (A.N.Y) and its agents and representatives collect personal information in a number of circumstances in the course of conducting our business. Personal information we may collect includes:
• name, address, email address, telephone number, and other contact information;
• age, birth date, social insurance number, ID numbers, gender, credit card numbers, or license plate numbers;
• information about your preferences, income, assets, or personal finances;
• medical records, credit records, loan records, driving record, employment records, insurance or transaction history;
• information about your insurance claims or claims history; and
• such other information we may collect with your consent or as permitted or required by law.
We generally collect personal information directly from you, for example, from application forms that you fill out for our insurance products and services, or when you communicate with us by telephone, email, or in person. We may also collect personal information about you from other sources, such as other insurance brokers, insurance companies, consumer reporting agencies, industry associations and data banks, investment product suppliers, marketing agencies, government agencies, claims adjusters, employers, and inspectors.
Use of Personal Information
InsureLine Brokers (A.N.Y) generally uses personal information to manage and administer our business, including to understand your insurance needs, communicate with you effectively and to provide you with the products and services you request. For example, InsureLine Brokers (A.N.Y) may use your personal information to:
• determine your eligibility for, offer and/or provide you with insurance products and services that you request;
• evaluate credit worthiness and monitor, collect premiums and fees;
• verify your identity;
• determine prices, fees, and premiums including by evaluating your coverage needs and assessing risk;
• maintain, administer, collect, service, and renew your account(s) and assess your ongoing needs for insurance products and services;
• update credit bureau reports;
• investigate and settle claims;
• determine your eligibility for and offer and provide other products or services that may be of interest to you, such as investment or retirement products or group benefits unless you ask us not to;
• detect and protect against error or fraud;
• compile statistics and conduct market research;
• maintain business records for reasonable periods;
• meet legal, regulatory, self-regulatory, insurance, security and processing requirements; and
• otherwise with consent or as permitted or required by law.
Disclosure of Your Personal Information
As necessary to carry out the purposes for which InsureLine Brokers (A.N.Y) collects and uses your personal information, InsureLine Brokers (A.N.Y) may disclose your personal information to third parties, such as other insurance brokers, insurers, consumer reporting agencies, claims adjusters, government, regulatory and self-regulatory agencies, lawyers, financial institutions, benefits providers, and medical professionals, and others involved in the claims handling process in accordance with legal and insurance regulatory reporting requirements or standard accepted insurance brokerage and insurance practices. InsureLine Brokers (A.N.Y) may also disclose your personal information with your consent or as permitted or required by law.
Disclosure to Affiliates. Personal information may be disclosed to our affiliates (including outside of Canada) for internal audit, management, billing or administrative purposes. We may also disclose personal information to our affiliates so that they may send you information about their products and services. However, if you do not want your personal information disclosed for these marketing purposes, you may contact us at any time as described further below.
Service Providers. InsureLine Brokers (A.N.Y) may transfer personal information to outside agents or service providers (including affiliates of InsureLine Brokers (A.N.Y) acting in this capacity) that perform services on our behalf. The services that may be performed by our agents or service providers consist of data processing, data warehousing or administrative services, or otherwise to collect, use, disclose, store or process personal information on our behalf for the purposes described in this Privacy Statement. Some of these service providers or affiliates may be located outside of Canada, including specifically in the United States, and your personal information may be collected, used, disclosed, stored, and processed in the United States or elsewhere outside of Canada for the purposes described in this Privacy Statement. Reasonable contractual or other measures we may take to protect your personal information while processed or handled by these service providers are subject to legal requirements in Canada, the United States, and other foreign countries applicable to our affiliates, agents, and service providers, for example, lawful requirements to disclose personal information to government authorities in those countries.
Business Transactions. Personal information may be used by InsureLine Brokers (A.N.Y) and disclosed to parties connected with the proposed or actual financing, securitization, insuring, sale, assignment, or other disposal of all or part of InsureLine Brokers (A.N.Y) or our business or assets, for the purposes of evaluating and/or performing the proposed transaction. These purposes may include, as examples:
• permitting those parties to determine whether to proceed or continue with the transaction; and
• fulfilling reporting, inspection, or audit requirements or obligations to those parties.
Assignees or successors of InsureLine Brokers (A.N.Y) or our business or assets may use and disclose your personal information for similar purposes as those described in this Privacy Statement.
Your Consent
InsureLine Brokers (A.N.Y) collects, uses, and discloses your personal information with your consent, except as permitted or required by law. We may be required or permitted under statute or regulation to collect, use, or disclose personal information without your consent, for example, to comply with a court order, to comply with local or federal regulations, or a legally permitted inquiry by a government agency, or to collect a debt owed to us.
Consent to the collection, use, and disclosure of personal information may be given in various ways. Consent can be express (for example, orally or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an “opt-out” option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney). Generally, by providing us with personal information either directly or through our agents, other insurance brokers, insurance companies, claims adjusters, or your employer, we will assume that you consent to our collection, use, and disclosure of such information for the purposes identified or described in this Privacy Statement, if applicable, or otherwise at the time of collection.
If you obtain insurance for a family member or other third party or otherwise provide personal information concerning a third party, including a family member, for example, by naming him/her as a beneficiary, you represent that you have obtained any necessary consent to our collection, use, and disclosure of his/her personal information for the purposes described above.
You may withdraw your consent to our collection, use, and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. There may be consequences to failing to provide or withdrawing your consent, such as your inability to acquire or renew an insurance policy and/or cancellation of a policy. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this Privacy Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records and disclosures to Canadian and foreign government entities as required to comply with laws).
Security
We take reasonable physical, organizational, and technological security measures to safeguard the personal information in our custody or control. These include safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. Authorized employees, agents, and mandataries InsureLine Brokers (A.N.Y) who require access to your personal information to fulfill their job requirements will have access to your personal information.
Access, Correction, and Contacting Us
InsureLine Brokers (A.N.Y) may establish and maintain a file of your personal information for the purposes described above. Subject to applicable legal restrictions, you may request to have access to the file containing your personal information and the correction of your personal information by writing to the address below. We may take reasonable steps to verify your identity before granting access or making corrections. In addition, if you wish to make inquiries or complaints, obtain information on how to access and rectify the files held by personal information agents we consulted or have other concerns about our personal information practices (including our use of service providers located outside of Canada), you may write to the address below. Please include your name, address, telephone number, and email address whenever you contact us, including by email. This helps us handle your request correctly.
InsureLine Brokers (A.N.Y)
140 - 3411 No 3 Rd
Richmond, BC V6X 2B6
tony.ji@insureline.com
Privacy Statement Changes
This Privacy Statement may be revised from time to time. If we intend to use or disclose personal information for purposes materially different than those described in this statement, we will make reasonable efforts to notify affected individuals, if necessary, including by revising this Privacy Statement. If you are concerned about how your personal information is used, you should contact us as described above to obtain a current copy of this statement. We urge you to request and review this Privacy Statement frequently to obtain the current version. Your continued provision of Personal Information or use of our products or services following any changes to this Privacy Statement constitutes your acceptance of any such changes. This Privacy Statement is effective as of May 1, 2020.
