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October 9th, 2009

 

insurance.nbc.ca Website Terms of Use


IMPORTANT: ACCESS TO THIS NATIONAL BANK INSURANCE WEBSITE IS SUBJECT TO LEGALLY BINDING CONDITIONS. PLEASE READ CAREFULLY ALL OF THE FOLLOWING TERMS AND CONDITIONS BEFORE YOU CONTINUE. IF YOU DO NOT ACCEPT THESE CONDITIONS, DO NOT ACCESS THIS WEBSITE.

  1. Use of This Website

    This website belongs to National Bank Insurance, (hereinafter the “Site Owner”).

    Material on this website may not be copied, reproduced, republished, downloaded, posted, framed, transmitted, posted, distributed or modified in whole or in part, whether in text, graphic, audio, video or executable form, without the express written consent of the Site Owner. The use, reproduction or transmission of information or data obtained from this website is prohibited, except as provided for herein. Any other access to this website and any other use, reproduction or transmission of information or data obtained from this website is prohibited. You are responsible for ensuring that your access to this website is legal.

  2. Exclusion of Warranties

    The Site Owner makes no warranty that this website will be continuously available, that it will meet your requirements, that there will be no delays, breakdowns, errors, omissions or loss of information transmitted, that no virus or other contaminating or destructive content will be transmitted and that no damage will be caused to your computer system.

  3. Limitation of Liability

    The Site Owner and its directors, officers and employees are not responsible for and shall not be liable to you or any third parties for any claims, losses, costs, expenses or damages whatsoever, including direct or indirect damages, arising out of or in connection with this website, the content contained therein or the access to or use thereof. Without limitation and notwithstanding anything to the contrary, the Site Owner and its directors, officers and employees shall not be responsible for and shall not be liable to you or to any third parties for any claims, losses, costs, expenses or damages arising out of or in connection with:

    1. failure of performance, delays, interruptions, communication line or system failures including communication malfunctions that affect the transmission, accuracy or timeliness of information, material, messages or instructions between you and the Site Owner and/or prevent information, material, messages or instructions from being transmitted in whole or in part;
    2. your inability to access, at any time, any part of this website or any content, products or services provided on it;
    3. lack of suitability, reliability, timeliness or availability of this website or any content, products or services offered on this website; or
    4. the Site Owner's failure to take corrective measures.
    Your sole and exclusive remedy is to discontinue using and accessing this website.

  4. Indemnity

    You undertake to take up the defence of, and indemnify and hold harmless the Site Owner and its directors, officers and employees against all third-party claims, proceedings and damages whatsoever (including reasonable legal and expert fees) arising from your failure to comply with the terms and conditions hereof, or an act or omission or your negligence resulting from use of the Internet or access to any website, including this website, by you or any other person to whom you have provided access to your computer system and who is using it on your behalf.

  5. Software

    Except for software expressly identified as being owned by the Site Owner, any software available for downloading through this website is provided by third-party software vendors pursuant to license agreements or other arrangements between such vendors and end-users. The Site Owner does not sell, resell, license or sub-license any such software on its website, and the Site Owner disclaims any liability related to such software. Any questions, complaints or claims related to the software should be directed to the appropriate vendor. You are solely responsible for the protection and backup of the data and equipment used in connection with any of the software downloaded through this website. In the event of any inconsistency between these terms and those contained in any license agreement with a software vendor, the terms contained herein shall prevail.

  6. Intellectual property

    Material on this website, including but not limited to text, images, illustrations, software, audio clips, video clips and any tools available on this website, if applicable, is owned or otherwise provided by the Site Owner, and the Site Owner does not represent or warrant that such material does not infringe the rights of any other person or entity. Trade-marks, logos and service marks (collectively, "Marks") displayed on this website are registered or unregistered Marks owned by the Site Owner or others, and may not be used without written permission of the owner of such Marks. Any information or material contained on this website that may be reproduced pursuant to these terms must bear the proprietary rights notices that originally appear on or in conjunction with such information or material. The use of any tools is subject to these terms and conditions. Any use of tools for other purposes than those stipulated by the Site Owner and any reproduction of tools from this website are prohibited without written authorization from the Site Owner. Without limiting the generality of the foregoing, the following acts are prohibited, if made with the tools:

    1. alteration of the format in which financial data is provided, or automated use of the tools;
    2. circumvention of the interfaces used to present financial data;
    3. embedding or transferring financial data into any software;
    4. creation of other financial information services;
    5. distribution of any financial data by any means.

  7. Liability for Computer System

    You will at all times remain liable for any damage caused to your computer system as a result of (i) the connection, configuration, or compatibility of the various components of your computer system, (ii) the use of any material from any website, (iii) the access to any website, or (iv) downloading of data, software and viruses.

    The Site Owner and its directors, officers and employees cannot assume any liability, either for illegal access to your computer system by hackers, or for the quality, reliability, compatibility and timeliness of the services provided by an Internet service provider.

  8. Risks related to the Internet

    Use of the Internet and communications over the Internet are subject to interception, loss and alteration. Therefore, you should not communicate any personal information to the Site Owner by e-mail, unless adequate measures are in place in order to ensure the security of the transmission. You acknowledge that the Site Owner and its directors, officers and employees shall not be liable in any manner whatsoever, in relation to you or any third parties, for any damage that may arise as a result of an e-mail message sent to the Site Owner, or from the Site Owner at your request. You assume all risks related to such communications..

  9. Accuracy of Information

    The Site Owner believes that the information on this website was accurate at the time of its posting online and it may be modified at any time, without notice. You are required to acknowledge that all products and services contained therein are subject to the conditions of your insurance contract.

  10. Links

    This website may contain links to other websites. Such links and references to other websites are provided to you as a convenience only. The Site Owner has not reviewed and does not expressly or implicitly endorse other websites or any information or material, or the accessibility thereof, via such links, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon. You may not create links from other websites to this website, unless expressly permitted by the Site Owner.

  11. Password

    You are fully liable for the use of your password, including its use without your consent. The Site Owner is not bound to confirm the user’s identity or right of access if he or she inputs the appropriate user name and password. You must advise the Site Owner immediately at 514 871-7500 or at 1 877 871-7500 if someone other than you becomes aware of your user name and your password. In this case, the Site Owner will block access to your personal file until you decide to confirm a new user name and a new password.

  12. Protection of Information

    All information provided on this website is confidential. The Site Owner has taken all reasonable precautions to ensure the safety of the personal information and the transactions carried out on its website.

  13. Legislative Jurisdiction

    This website is governed and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada as may be applicable.  All disputes, claims, actions and/or proceeding arising from the use, or in connection with this website shall be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Quebec.

    The information contained on this website relating to the Site Owner’s products and services is only intended to be used in Quebec, where these products and services may be legally offered for use or sale, and it is not intended for any use or sale elsewhere than in Quebec. Only current residents of Quebec are authorized to carry out transactions on this website.

  14. Modification of these Terms

    The Site Owner may modify, alter or otherwise update the terms and conditions applicable to this website from time to time, without notice, and you agree to be bound by the terms and conditions that are in effect at the time that you access this website. The date of the last modification will appear at the bottom of the Legal Notice. You undertake to review the terms of use each time you access and use this website and to be bound by such terms of use as are in effect at that time. Your access and use of this website constitutes irrefutable proof of your consent to be bound by these terms and conditions.

  15. Glossary, Search Tools, Calculators and Frequently Asked Questions

    The glossary, search tools, calculators and frequently asked questions may only be used for non-commercial purposes. The use of tools to promote the sale of products and services or a particular website is prohibited.

    Several terms and concepts contained on this website refer to terms and concepts defined in the insurance contracts to which this website refers. The clauses of these contracts shall always prevail over any other source of information, including those that relate to the scope of the coverage and the processing of claims. Please consult only the provisions of your contract to determine your rights and obligations thereunder.

    Answers in the Frequently Asked Questions section and answers we provide following inquiries we are sent must only be used for your information. They have no legal force and lead to no liability. Please consult your representative, accountant or lawyer, who will take cognizance of the facts and suggest a response that fits your situation.

  16. Survival

    These terms and conditions apply while you are accessing the website and remain in effect thereafter, subject to section 14. In the event that this website is no longer accessible to you, the provisions set out in sections 2, 3, 6 and 13 of these terms and conditions shall survive thereafter.

October 9th 20097

© 2010 National Bank Insurance - All rights reserved.