Read the terms and conditions carefully.
DESCRIPTION OF SERVICES
You alone are responsible for paying the costs associated with the use of the Service, such as Internet connection charges or fees charged for connecting to networks that provide access to Internet content. As well, you are responsible for acquiring any equipment needed for such connections.
IDENTIFICATION AND PASSWORD
You are not required to identify yourself when making use of the Services, except when such identifying information is required to access the BCU Insurance website transactional tools, quoting tools, and/or scheduling tools, including but not limited to those offered by BCU Insurance or its affiliated partners, including but not limited to All-Risks Insurance Brokers Limited (“All-Risks”).
The personal information All-Risks collects from you on their website depends on the product or service you requested, and is collected by All-Risks in order to make an insurance coverage decision.
Your access to and use of all the services and products of BCU Insurance and its affiliated businesses described in the website are governed primarily by the terms and conditions of the relevant paper agreements you have physically signed at your local BCU Insurance location, as well as specific electronic agreements you have signed electronically.
Our Respective Responsibilities & Limitation of Liability
We will do our best to ensure that you can use the BCU Insurance website and complete the transactions that can be done through the site safely and securely. Protecting the security of your funds, and the privacy and confidentiality of your personal information stored within the web server hosting the BCU insurance and our own computer system, is an obligation we take very seriously.
Although we do our best to make sure the BCU Insurance website is accessible, functioning properly, and contains accurate and up-to-date information, we are supplying it on an “as is” basis, without warranty of any kind, either express or implied. We cannot and do not promise that the site will always be available to meet your needs, that access will never be uninterrupted, that there will never be delays, failures, errors or omissions or loss of transmitted information, or that the software we use will be compatible with your computer system. Furthermore, it is your sole responsibility to adequately protect and backup your data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties on your own system.
To the fullest extent permitted by law, in no event will BCU Insurance be liable for any damages, including, without limitation, direct or indirect, special, incidental or consequential damages, losses or expenses, arising in conjunction with the BCU Insurance website or use thereof or inability to use the BCU Insurance website by any party, or in conjunction with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if BCU Insurance, or representatives thereof, are advised of the possibility of such damages, losses or expenses. BCU Insurance is also not liable for such damages following unauthorized access to the BCU Insurance website by a user or resulting from the actions or conduct of third parties in the course of using the BCU Insurance website.
We must also warn you that unencrypted e-mail communications over the Internet are not considered to be a secure form of communication. We strongly recommend that you do not send personal or financial information to us using unencrypted e-mail.
Notwithstanding this recommendation, we do not accept liability or responsibility for your personal or financial information becoming public through no fault of our own, by way of accident or fraud on the part of third parties.
If you do communicate with us by means of e-mail, we will assume, unless you advise us otherwise, that you consent to our using the information you have sent to us, including your e-mail address, for the purpose of developing and sending an appropriate response to your communication, and disclosing it to such other advisory parties as we deem appropriate for that purpose.
BCU Products and Services are Not Offered or Available to Everyone
It is important for you to understand that not all of the products and services listed and/or described on the BCU Insurance website and the information found therein, is offered to or available to every member of the general public. The information on the BCU Insurance website is not to be construed as an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot lawfully be made, or to any person or entity to which it is unlawful to make an offer.
Only individuals or entities that qualify for specific insurance coverages are eligible to purchase the products and services described in the pages of the BCU Insurance website, and to make use of the information contained therein.
If you are accessing this site from outside Ontario, you do so at your own initiative and are solely responsible for making sure that you comply with applicable local, national, provincial or international laws. For information specific to any jurisdiction outside of Ontario, we refer you to your own insurance advisor.
You are not permitted to use (except for your personal use in obtaining Services) or export or re-export any information contained in the pages of the BCU Insurance website or any copy or revision thereof in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.
USE OF INFORMATION AND MATERIALS
The information and materials contained in these pages-and the terms, conditions and descriptions that appear-are subject to change. Your eligibility for particular Services is subject to final determination and acceptance by BCU Insurance or its affiliates.
CHANGES MADE TO THE SERVICES
BCU Insurance and/or its affiliates reserve the right to remove or relocate any content made available as part of the Services. This may be done for any reason.
BCU Insurance may terminate your access to the Services in whole or in part in accordance with the terms and conditions applying to such Service, without advance notice of any kind. BCU Insurance also reserves the right, at any time, to de-activate or delete with immediate effect any folder or any file within a folder, and/or to prohibit future access to such files or to any Service. In no event will BCU Insurance be liable to you or to any third party for the termination of your access to any Service or BCU Insurance website.
BCU Does Not Provide Advice that is Specific to You
All non-customized and generic financial and/or insurance information as well as the various product features and services posted on the BCU Insurance website are provided for information only. This information originates from a variety of sources and is updated on a regular basis. Despite every effort to present information that is as up to date as possible, BCU, its officers, managers, employees and agents are in no event responsible for the consequences of any inaccurate information or for any damage sustained as a result of using such information.
The content is provided to you for information purposes only. Therefore, content disseminated in connection with the Service is not destined to be used in conducting transactions or making investment decisions. BCU will not assume any responsibility for the content or the accuracy of all or part of the information transmitted in connection with the Service. Likewise, BCU will not be responsible for investment orders or decisions based on such information.
The information contained in the pages of the BCU Insurance website is of a general nature only, and is not intended to provide specific legal, accounting, financial, insurance or tax advice that might be relevant to your own individual circumstances. You should not act or rely on the information without first seeking the advice or professionals who can properly assess whether or not it applies to your own situation.
No Third-Party Endorsements
No endorsement or approval of any third parties (other than persons or entities with which BCU Insurance has an affiliated arrangement to provide products and services to its members or clients), or their advice, opinions, information, products or services, is expressed or implied by any information contained on the pages of this website, including links to their own web sites. If you use the links to access other internet resources or web sites, you do so at your own risk. We do not investigate, verify, or monitor these links.
Intellectual Property, Trade-Marks, Trade Names & Copyright Issues
Copyright ©2013 Buduchnist Credit Union Limited (“BCU”). All rights reserved. BCU Insurance Services Limited and BCU Insurance Inc. are authorized users of the trademark. BCU either owns the intellectual property rights in the underlying HTML, text and other content that is made available to you on the BCU websites, or has obtained the permission of the owner of the intellectual property in such content to use the content on the BCU websites. Product names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the BCU websites are trade names or trade-marks or service marks owned or licensed by BCU or its network of businesses, partners or affiliates. Trademarks may be registered in Canada and in other countries as applicable. The display of trademarks on BCU websites does not imply that a license of any kind has been granted to anyone using the site. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of statutory or common law, trademark and/or copyright laws and could subject the copier to legal action.
You are not permitted to use, without express authorization, any of the logos, names, or trademarks owned or licensed by BCU and its affiliated partners or businesses. All information on BCU websites is protected under the copyright laws of Canada. Furthermore, certain information may be copyrighted by others. If you are interested in establishing a link from your website to our homepage, or if you wish to incorporate the BCU Insurance name, product names, logos, trademarks, and/or trade-names within another site or product, please contact us for permission. Inquiries about permission should be directed to:
BCU Financial Group
2280 Bloor St. W.
Toronto, ON M6S 1N9
firstname.lastname@example.org or email@example.com
Jurisdiction for Disputes
BCU websites are managed by Buduchnist Credit Union Limited, carrying on business as BCU Financial, from its office in Toronto, Ontario. Its operation and these Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada, without regard for any principles of conflict of laws operable in Ontario. All disputes, controversies or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You agree that you submit and attorn to the jurisdiction of the courts of the Province of Ontario to finally rule on any suit, action, or proceeding arising out of or in connection with this site.