Terms of Service

Please read these Terms and Conditions. By using www.arcinsurance.ca, you agree to abide by this agreement.

TERMS AND CONDITIONS

1. Acceptance of Conditions
By accessing and browsing this Website, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. ARC Insurance Brokers Corp. & Capital Insurance Brokers ARC, the owner of the Site ("we" or "us"), provides the Service at the Site (the "Service") subject to these terms and conditions. We may at any time revise these Terms and Conditions by updating this posting. Users agree to be bound by such revisions, and should periodically revisit this page to review the current Terms and Conditions. To use the Services, you must be of legal age to enter into a binding contract and not be prohibited from using the Services by the laws of the jurisdiction from which you access the Services.

2. Information Accuracy
While the contents of this Website are deemed reliable when posted, the owners/operators of this Site do not guarantee this information to be current, accurate or complete. We also specifically disclaim all warranties, express, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein. The information on the Site is subject to modification and updating from time-to-time without notice. Because this Site is intended to provide general information only, you should discuss your specific needs with a qualified professional. The Site and the content of any information, service or merchandise contained thereon (the “Content”) are provided on an "as is" basis.

3. Content
The contents of this Site are provided for informational and entertainment purposes only, and should not be construed as providing advice. The information on this Website is not intended to provide professional advice of any type including, without limitation, insurance, financial, legal, accounting or tax advice, and should not be relied upon in this regard.

4. Modification to or Termination of Services
You acknowledge and agree that we may modify or terminate the Services and any of its features at any time or terminate your access to them without notice to you. You acknowledge and agree that we shall not be liable to you or any third party as a result of any such modification or termination. You may discontinue use of the Service at any time without notice to us.

5. Product Availability
The products and services referred to on this Website may not be available in all geographic regions. All products and services provided by the participating suppliers on the website are subject to the terms, conditions and limitations of each supplier. Visitors are encouraged to contact the respective suppliers directly to confirm any information obtained regarding their products and services.

6. Copyright & Trademarks
All contents of this Website are the copyright of ARC Insurance Brokers Corp. and are protected under the copyright laws of Canada and other countries. All rights reserved. In addition, certain information on this Website may be copyrighted by others. The information on this Website may not be reproduced, or distributed for any other purpose in whole or in part without the prior written consent of ARC Insurance Brokers Corp. Any infringement of our rights will result in appropriate legal action.

7. The Service
The Service is designed to help you locate information that may be of interest to you and to help you locate products, services, and suppliers that may be of interest to you. We own and retain all intellectual property rights in the Service. This Website facilitates other Worldwide Web sites via hypertext links. These hypertext links are entirely independent of ARC Insurance Brokers Corp. and shall NOT in any manner be construed as any reflection on or any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this Website. While we are not required to screen content accessible through links on the Service, we reserve the right to do so and to remove any such links at any time. We do not frequently review linked Websites. You acknowledge and agree that we are not responsible for any third party content and that you must evaluate any such third party content and bear all risks associated with any use of the content, including any reliance on the accuracy or completeness of the information.

8. Use of the Services
You may use the Services for your individual personal use and you agree that you will not reproduce, duplicate, copy, sell, trade or otherwise exploit (i) the Services for any commercial purpose or (ii) the Content. You agree to access the Service through the interface provided by this Site and that you will not use a robot or any other process to monitor or copy the Services.
a. Restrictions. Except as expressly provided herein, you shall not: (i) use any portion of the Site or Content, on any other website, in the source code of any other website, or in any other printed or electronic materials; (ii) modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute or otherwise use any portion of the Site or frame this Site within any other web site, without our prior written permission; (iii) reverse engineer, reverse assemble, decompile or otherwise attempt to discover any source code of the Site and/or the Content. We reserve the right to block your use of the Site and cancel any memberships or subscriptions for violation of these Terms of Service.
b. No Framing. Unless you receive prior written permission from us, you may not: (i) "frame" or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) Content included on the Site; (ii) alter or modify Content, or (iii) "cut and paste" or otherwise reproduce Content on the Linking Site.
c. No Archiving. Your link must be to the current Site only. In permitting linking, we do not grant any rights to reproduce, modify, cache or archive the Content for any purpose.
d. Link At Your Own Risk. We make no representations or warranties regarding the Site, which is provided "AS IS." Linking Sites link to the Site at their own risk. We have no obligation to maintain the Site, provide or update Content or otherwise support your link to the Site.

9. Electronic communications
ARC Insurance Brokers Corp. will not accept transactions or instructions by Internet email messages. However, we will accept general questions or inquiries via our contact forms.

Any communication transmitted to us by electronic means becomes the property of ARC Insurance Brokers Corp. or its affiliates and may be used for any purpose. ARC Insurance Brokers Corp. is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.

10. Disclaimer
ALL CONTENT AND SERVICES PROVIDED ON OR THROUGH THIS SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE CONTENT AND SERVICES ARE PROVIDED WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON INFRINGEMENT. NEITHER WE, OUR AFFILIATES AND RELATED ENTITIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THOSE EXCLUSIONS MAY NOT APPLY TO YOU.

11. Limit of Liability
IN NO EVENT SHALL WE, OR OUR DIRECTORS, OFFICERS, PARTNERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS, THIRD PARTY LICENSORS, AFFILIATES, SUCCESSORS OR ASSIGNS (“THE WEBSITE PARTIES”) BE LIABLE TO YOU FOR YOUR ACCESSING OF THIS SITE OR UNDER OR RELATED TO THIS AGREEMENT FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, RELIANCE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF EXPECTED SAVINGS, OR ANY OTHER NON-DIRECT DAMAGES HOWSOEVER CAUSED WHETHER OR NOT WE OR ANY OF THE WEBSITE PARTIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND THEIR COLLECTIVE MAXIMUM LIABILITY TO YOU UNDER OR RELATED TO THIS AGREEMENT SHALL IN NO EVENT EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE SERVICES, IF ANY. THE LIMITATIONS OF LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT AND SHALL SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR THE FAILURE OF THE ESSENTIAL PURPOSE OF CONTRACT OR THE FAILURE OF AN EXCLUSIVE REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE WEBSITE PARTIES’ LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

11b. Legal Statement
The insurance quotes being provided by this system are based on the information you, the user, provide and the underwriting criteria of our participating companies. All quotes are subject to verification by our insurance suppliers. Please ensure that all information provided is accurate in order to avoid delay or denial of coverage.

In the event that there are any discrepancies between the quotes being provided by this system and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern.

If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers reserve the right to refuse to issue an insurance contract based on this fact.

The benefits and services provided through this quoting system are subject to the terms, conditions and limitations of the applicable agreement(s) governing them.

12. Indemnity
Indemnity. You agree to defend, indemnify and hold us harmless and our directors, officers, partners, employees, representatives, contractors, affiliates, successors or assigns, including all third parties mentioned at this Site, from and against any and all claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of this Site and the Content or your breach of these Terms of Service or in connection with your use of the Services.

13. Choice of Law.
These Terms of Service shall be governed by and construed under the laws of the province of Alberta without giving effect to its conflict of laws principles. You and we hereby submit to the exclusive forum, jurisdiction and venue of the provincial courts located in Edmonton, Alberta for any claim related to, arising from or in connection these Terms of Service and/or your use of the Service.

14. International Use
Neither we nor our affiliates make any representation that the Site or Content is appropriate or available for use in locations outside of Canada. Those who choose to access the Site from other locations are responsible for compliance with any applicable local laws and any applicable laws regarding the transmission of technical data exported from Canada to the country in which you reside.

15. Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Companies represented by our insurance brokers: