TERMS OF USE

Use of Our Website

Our 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 our 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 our Website, you have agreed to these terms and conditions.

You represent and warrant that:

• You are at least of the age of majority and have the legal right to enter into this Agreement and to use our Website in accordance with all terms and conditions herein; and
   
• All information supplied by you to Access Insurance Group Ltd. or its representatives through our Website shall be true and accurate.
   
• You agree to be financially responsible for your use of our Website, as well as for use of your account by others, including without limitation minors living with you.

You shall not use our 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 offense, 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 our 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 our Website or violate the regulations, policies, or procedures of such networks
   
• Attempt to gain unauthorized access to any portion of our Website, other accounts, computer systems, or networks connected to our 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 our Website
   
• Interfere with another user's use and enjoyment of our Website or another individual's or entity's use and enjoyment of similar services

Access Insurance Group Ltd. has no obligation to monitor our Website or any user's use thereof or retain the content of any user session. However, Access Insurance Group Ltd. 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.

Access Insurance Group Ltd. reserves the right for any reason to remove or edit without notice any contents of our Website received from you. Access Insurance Group Ltd. reserves the right to deny in its sole discretion any person access to our Website or any portion thereof without notice.

Our 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 our 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.

Products and Services

Our Website is being provided to you to, among other things; permit you to determine the availability of certain 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 products and services and any supplier of any other products and services offered on our 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 our Website are available only in those provinces and territories in Canada where they may be legally offered by their respective suppliers.

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 our 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.

Links to Third Party Sites

The links included within our Website may let you leave our Website to access linked websites ("Linked Sites"). The Linked Sites are not under the control of Access Insurance Group Ltd. and Access Insurance Group Ltd. 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. Access Insurance Group Ltd. is not responsible for web casting or any other form of transmission received from any Linked Site. Access Insurance Group Ltd. is providing these links to you only as a convenience and the inclusion of any link does not imply endorsement by Access Insurance Group Ltd. of such sites or any association with their operators.

Internet E-mail

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

Financial Information

Financial information contained on our Website may be based on independent third party sources and should be used as a guide only. Access Insurance Group Ltd. endeavours to keep such information up to date, but you should realize that such information is subject to change at any time without notice and that such information may not be accurate.

Limited Licence

Access Insurance Group Ltd. grants you a limited licence 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 Access Insurance Group Ltd. on our 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 Access Insurance Group Ltd. copyright notice and this limited license.

No other use is permitted. Without limiting the generality of the
foregoing, you may not:

• 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 Access Insurance Group Ltd. or any copyrights owned by others who provide content on our Website.

Trade Marks

The names of all products and services mentioned on our Website are the trademarks of their respective owners.

The display of trade-marks and trade-names on our Website does not convey or create any licence or other rights in these marks or names. Any unauthorized use of them is strictly prohibited.

No Advice

The information and tools provided on our 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 Access Insurance Group Ltd. may affect the applicability of any statement or comment that is contained on our Website to your particular circumstances.

Accuracy & Changes

Information provided on our Website is believed to be accurate when placed on our Website but there is no guarantee that it is current, accurate or complete. Changes may be made at any time to the information contained in our Website without prior notice to you.

No Warranties

NEITHER Access Insurance Group Ltd. NOR ITS REPRESENTATIVES WARRANT THE QUALITY, RELIABILITY, ACCURACY OR COMPLETENESS OF ANY INFORMATION CONTAINED ON OUR 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.

Limitation of Liability

Information provided on our Website is believed to be accurate, but there is no guarantee it is accurate, current, or complete. While Access Insurance Group Ltd. shall endeavour to be accurate and timely, Access Insurance Group Ltd. 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 our Website, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure or other cause of action.

Neither Access Insurance Group Ltd., nor any of its affiliates or respective employees, agents, third party content providers or licensors warrant that service will be uninterrupted or error free.

Indemnification

You agree to indemnify and hold Access Insurance Group Ltd., 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 our Website.

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 our Website. References in our Website to any supplier's products or services are not endorsements or approval of such products or services.

Termination

Access Insurance Group Ltd. 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. Access Insurance Group Ltd. shall have no obligation to maintain any content in your account.

Miscellaneous

Access Insurance Group Ltd.'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.

Our Website originates in Canada and this Agreement shall be governed by and construed in accordance with the laws of the province of Alberta and the federal laws of Canada applicable therein, without regard to the conflicts of laws principles thereof.