This Website is offered to you conditional upon acceptance by you of the terms and conditions set out below as well as any amendments or additional terms, policies or procedures published on this Website from time to time. You should check these terms and conditions from time to time to remain informed of any amendments or additions. By accessing and using this Website, you have agreed to these terms and conditions.

You shall not use this Website to do any of the following:

• Post, store, transmit, or distribute any threatening, abusive, libelous, defamatory, obscene, or legally objectionable materials of any kind, including anything constituting or encouraging a criminal offence, giving rise to civil liability, or otherwise violating any laws.
• Post any non-public information about companies.
• Provide false information on your registration, or impersonate someone else.
• Post, transmit or otherwise distribute any materials that contain a virus, trojan horse, worm or other harmful or disruptive component.
• Upload, post, transmit or otherwise distribute or reproduce any information, software or other material protected by copyright, or other intellectual property right, without the permission of the applicable owner.
• Use this Website in connection with surveys, contests, pyramid schemes, chain letters, junk e-mail, spamming or any duplicative or unsolicited messages (commercial or otherwise).
• Advertise or offer to sell or buy any goods or services for any non-personal purpose.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Create a false identity for the purpose of misleading others as to the identity of the sender or the origin of a message.
• Interfere with or disrupt networks connected to this Website or violate the regulations, policies, or procedures of such networks.
• Attempt to gain unauthorized access to any portion of this Website, other accounts, computer systems, or networks connected to this Website, through password mining or any other means.
• Violate any applicable laws or regulations including, without limitation, laws regarding the transmission of technical data or software exported from the Canada or United States through this Website.
• Interfere with another user's use and enjoyment of this Website or another individual's or entity's use and enjoyment of similar services.
  

Acuret Premium Finance has no obligation to monitor this Website or any user's use thereof or retain the content of any user session. However, Acuret Premium Finance reserves the right at all times to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request. Acuret Premium Finance reserves the right for any reason to remove or edit without notice any contents of this Website received from you. Acuret Premium Finance reserves the right to deny in its sole discretion any person access to this Website or any portion thereof without notice.

This Website is available only in those jurisdictions where permitted by law. The disclaimers, terms and conditions on this page are of general application and may be supplemented by additional disclaimers, terms or conditions of specific application on a particular page of this Website, provided such additional disclaimers, terms and conditions are more restrictive or at least as restrictive as the disclaimers, terms and conditions contained on this page.

Acceptance of Conditions
By accessing and browsing this Web site, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. Acuret Premium Finance (Acuret) 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.

Content
The information on this Web site is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.

Copyright & Trademarks
All contents of this Web site are the copyright of Acuret and are protected under the copyright laws of Canada and other countries. All rights reserved. Certain information on this Website may be copyrighted by others. The names of all products and services mentioned on this Website are the trademarks of their respective owners. The display of trademarks and trade names on this Website does not convey or create any license or other rights in these marks or names. The information on this Web site may not be reproduced, or distributed for any other purpose in whole or in part without the prior written consent of Acuret. Any infringement of Acuret's rights will result in appropriate legal action.

Hypertext Links
This Web site facilitates other Worldwide Web sites via hypertext links. These hypertext links are entirely independent of Acuret 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 Web site.

Acuret does not frequently review linked Web sites. The right to reproduce and use the content linked from Acuret to other Web sites is (1) subject to the conditions that the respective owners may impose, and (2) is at your own risk.

In general, you may reproduce these pages for the purpose of browsing them, or providing hypertext links to them, provided you do not retain these pages in any form of fixed, non-volatile storage after your session of browsing. These permissions may be withdrawn at anytime without notice.

Any communication transmitted to us by electronic mail becomes the property of Acuret or its affiliates and may be used for any purpose. Acuret 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.

Indemnification
You agree to indemnify and hold l, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including legal fees, asserted by any third party due to or arising out of your use of or conduct on this Website.

Information Accuracy
Although the contents of this Web site are deemed reliable when posted, Acuret cannot guarantee this information to be current, accurate or complete. Changes may be made at any time to the information contained in this Website without prior notice to you.

Internet E-mail
E-mail over the Internet is not a secure medium and privacy cannot be assured. Acuret Premium Finance shall not assume any responsibility for any harm or damage you may experience or incur by sending personal or confidential information to Acuret Premium Finance over the Internet by E-mail, or if Acuret Premium Finance sends such information at your request

Liability
Acuret, its shareholders, affiliated companies, its officers, directors, employees or any persons associated with the creation of this Web site, are NOT responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this Web site including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused.

By accessing and browsing this Web site, visitors agree that the laws of Ontario and Canada apply to any issue that might arise with Acuret regarding this site, and to settle such dispute in the courts of Ontario.

Limited License
Acuret Premium Finance grants you a limited license to display on your computer, print, download and use the underlying HTML and related software, text, applications, audio clips, video clips and other content (the "Content") that is made available to you by Acuret Premium Finance on this Website, solely for non-commercial, personal, or educational purposes and only if:

• You do not modify any Content, and
• You include with and display on your copy of any Content the Acuret Premium Finance copyright notice and this limited license.
  

• Copy, distribute, publish, or make any commercial use of any content,
• Include any content in or with any product that you create or distribute; or
• Copy any content onto the Internet including your or any other person's World Wide Web site. Nothing contained in this Section shall be construed as conferring any right in any copyright of Acuret Premium Finance or any copyrights owned by others who provide content on this Website.

Limitation of Liability
Information provided on this Website is believed to be accurate, but there is no guarantee it is accurate, current, or complete. While Acuret Premium Finance shall endeavor to be accurate and timely, Acuret Premium Finance shall not assume any responsibility whatsoever with respect to any content including its accuracy or timeliness. This disclaimer of liability applies to any damages, injury or stress caused by any failure of performance, unauthorized access to or alteration of your transmissions or data, transactions entered into through this Website, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure or other cause of action. Neither l, nor any of its affiliates or respective employees, agents, third party content providers or licensors warrant that service will be uninterrupted or error free.

Links to Third Party Sites
The links included within this Website may let you leave this Website to access linked websites ("Linked Sites"). The Linked Sites are not under the control of Acuret Premium Finance and Acuret Premium Finance is not responsible for the contents of any Linked Site or any link contained in a Linked Site, or any changes or updates to such sites. Acuret Premium Finance is not responsible for web casting or any other form of transmission received from any Linked Site. Acuret Premium Finance is providing these links to you only as a convenience and the inclusion of any link does not imply endorsement by Acuret Premium Finance of such sites or any association with their operators. Acuret Premium Finance is not responsible for the privacy practices or the content of such Web sites.

Miscellaneous
Acuret Premium Finance 's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provisions or right. If any of the provisions contained in this Agreement are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions contained herein. This Website originates in Canada and this Agreement shall be governed by and construed in accordance with the laws of the province of Ontario and the federal laws of Canada applicable therein, without regard to the conflicts of laws principles thereof. The parties have required that this Agreement and all documents relating thereto be drawn up in English. Les parties ont demande que cette convention ainsi que tous les documents que s'y rattachent soient rediges en anglais.

No Advice
The information and tools provided on this Website are not intended to be specific legal, accounting, financial, tax or investment advice for any individual and should not be relied upon. Many factors unknown to Acuret Premium Finance may affect the applicability of any statement or comment that is contained on this Website to your particular circumstances.

No Endorsement
No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website. References in this Website to any supplier's products or services are not endorsements or approval of such products or services.

No Warranties
Neither Acuret Premium Finance or its representatives warrant the quality, reliability, accuracy or completeness of any information contained on this website. Such information is provided "as is" without warranty or condition of any kind. This web site may include inaccuracies or typographical errors and the content may be changed at any time without notice.

Product Availability
The products and services referred to on this Web site may not be available in all geographic regions.

Products and Services
This Website is being provided to you to, among other things, permit you to determine the availability of certain insurance and financial products and services and to facilitate your dealings with certain suppliers and/or representatives of these products or services. You agree to abide by the terms or conditions of purchase imposed by any supplier of insurance and financial products and services and any supplier of any other products and services offered on this Website with whom you elect to deal including, but not limited to, payment of all amounts when due and compliance with all rules and restrictions regarding availability of products or services. Products and services accessed through this Website are available only in those provinces and territories in Canada where their respective suppliers may legally offer them. From time to time our telephone support staff may enter information at your request and on your behalf into the personal portfolio that you maintain on this Website. This is being done solely as a service to you and you are responsible for verifying the accuracy of all such entries. While we shall attempt to be accurate in any such entries we cannot assume any responsibility whatsoever for entries made on your behalf.

Termination
Acuret Premium Finance may terminate your access to any part or this entire Website and any related service(s) at any time, with or without cause, with or without notice, effective immediately, for any reason whatsoever. Acuret Premium Finance shall have no obligation to maintain any content in your account.

If you have any concerns
We are committed to providing excellent service to you. However, if you have a concern or complaint, please contact us, because we are also committed to working with you to achieve a resolution and following through to a successful conclusion as quickly as possible. In most cases, complaints are resolved simply by discussing it with us. You should be able to get swift results by:

• Sending us an e-mail at service@acuretfinance.com; or,
• Calling us at 1-800-461-4976 or (905)886-1674 or,
• Writing to us at:

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