Terms and Conditions for Use of this Website
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE. Your use of this site (the “Wawanesa Website” or “Website”) is expressly conditioned on your acceptance of the terms, conditions, and notices contained herein (the “Terms of Use”). If you do not agree to any part of these Terms of Use, please do not use the Wawanesa Website. Wawanesa Insurance (“Wawanesa”, “we” or “our”) means Wawanesa General Insurance Company and its affiliates. Wawanesa may modify any part of these Terms of Use at any time, without notice to you. Your continued use of the Wawanesa Website will constitute your acceptance of any posted modifications to the Terms of Use.
ONLINE SERVICES
You can access secured transactions related to the insurance policie(s) you bought from Wawanesa Life through our Online Services. These services allow you to consult, download and print your Wawanesa Life insurance documents and make certain changes to your policie(s).
Any insurance transactions you carry out in our Online Services environment are protected; however, while we use the best security measures available, there is always a risk that your information may be disclosed through no fault on our part.
Any operation pertaining to general insurance carried out with the Online Services offered is recognized as being performed by the actual policyholder. It is therefore up to you to make sure that you are the only person who knows your user ID and password.
When performing an operation related to your general insurance, you are responsible for carefully reading the terms and conditions relative to the processing of your application (conditions, delays, etc.).
If you believe that an error has occurred in the information concerning your general insurance policies, please Contact Us.
TRANSMITTING MATERIAL AND INFORMATION TO US
Wawanesa is not responsible for any damages resulting from the interception, loss of, or modification of any email you have sent.
We would like to remind you that information sent by email is not secure. We recommend that you take care to not include confidential information, such as your policy number, personal information, etc., when sending email.
USE REQUIREMENTS
The Wawanesa Website and all its contents, materials, and components are the sole and exclusive property of Wawanesa and its licensors. Information and materials on the Wawanesa Website: i) are provided by Wawanesa for your informational, non-commercial use and are not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard; and ii) are the copyrighted work of Wawanesa and/or third party licensors, and protected under Canada and international copyright laws and other laws relating to intellectual property, unless where otherwise specified. Wawanesa grants you permission to copy or download information or materials on the Wawanesa Website solely for your informational, non-commercial personal use. Except as expressly provided herein, you may not store, modify, publish, republish, copy, post, repost, reproduce, distribute, transmit, retransmit, decompile, reverse engineer, translate into any language or computer language, create new works from, including derivative works, or in any way exploit or alter the information or materials on this Wawanesa Website, without the express written consent of Wawanesa.
TRADEMARKS
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Marks") of Wawanesa or third parties and used under license by Wawanesa. Your use of this Website does not grant you any express or implied right, title, or interest in, or any license to reproduce or otherwise use, the Marks, without the prior written consent of Wawanesa.
DISCLAIMER OF WARRANTY
Subject to applicable laws, Wawanesa and its directors, employees and representatives are not responsible for losses and damages caused directly or indirectly to you as a result of the use of this site, its tools or its content, in particular of any action taken based on the information provided, sent or exchanged on this site or via email. We exclude any liability that may result from the sending or the exchange of personal information or confidential information to us through this site or by email.
Subject to these Conditions of Use, we do not guarantee that the information on this site is complete and up to date at all times, and we cannot be held liable for the contents or for the accuracy of the information presented on this site. We reserve the right to change it at any time, without notice.
Finally, subject to applicable laws, we do not guarantee that the site and its tools will be available functional at all time. We do not guarantee that the information provided on this site will meet any specific need, that the elements that can be used after copying or downloading will be error-free, will not cause technical or other problems, nor will these errors or problems be corrected, that this site or any other Web site to which it is linked does not have computer viruses, Trojan horses, or any other potential hazardous element.
The Wawanesa Website and all content and materials herein are provided to you on as “AS IS,” “AS AVAILABLE” basis without warranty of any kind, either express or implied. To the fullest extent permitted by law, Wawanesa expressly disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Wawanesa does not warrant or represent that the function or operation of this Website will be uninterrupted or free from error, or that the Wawanesa Website or its contents or materials are accurate, correct, current, or complete.
LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, WAWANESA SHALL NOT BE RESPONSIBLE IN ANY MANNER FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, ARISING OUT OF OR RELATED TO USE OF OR INABILITY TO USE THE WAWANESA WEBSITE OR THE CONTENT OR MATERIALS ON THIS WEBSITE OR ANY THIRD-PARTY SITES (AS DEFINED BELOW), INCLUDING WITHOUT LIMITATION, DELAYS IN OPERATION OF THE WAWANESA WEBSITE OR TRANSMISSION OF ANY INFORMATION OR CONTENT, EVEN IF WAWANESA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
INSURANCE PRODUCTS AND SERVICES
Products and services of Wawanesa are only offered in jurisdictions where they may be lawfully offered for sale. All of the insurance products and services described on this Website are subject to availability and qualifications. Wawanesa reserves the right to determine all eligibility for such products or services in its sole discretion, and Wawanesa may change the products or services at any time or without notice. All products and services are subject to terms, conditions, and exclusions of the actual policy or the relevant product or services agreement.
VISITOR SUBMISSIONS
By submitting information or materials to the Wawanesa Website (aside from personal information subject to our Privacy Policy), you grant Wawanesa a perpetual, irrevocable, unrestricted, worldwide, royalty-free license to use, modify, publish, or disclose such information and materials at Wawanesa’s discretion. Uploading, transmitting, or submitting any emails, information, or materials through the Wawanesa Website that are in any way unlawful, tortious, libelous, infringing, false, misleading, obscene, or otherwise offensive, is expressly prohibited.
USE OF THIS WEBSITE BY MINORS
Wawanesa does not intend to market or offer any products or services to minors. Wawanesa does not seek to, nor do we knowingly collect, personal information directly from children under the age of 16.
LINKS TO THIRD PARTY WEBSITES
This Website contains links to other websites (“Third-Party Sites”) that are not owned or maintained by Wawanesa. These links are provided for your convenience. Wawanesa makes no representations and assumes no responsibility regarding the content of, or the products or services offered through, any Third-Party Site. Please be aware that Wawanesa does not control and is not responsible for the privacy policies or practices of Third-Party Sites, which may differ from ours. We recommend that you review the privacy policies and user agreements of any Third-Party Site.
INDEMNIFICATION
You agree to defend and indemnify Wawanesa from any and all claims, liability, damages, obligations, losses, expenses and costs arising out of or related to your use of the Wawanesa Website or the information, materials, or content contained herein in a manner that violates these Terms of Use, any law, or the rights of a third party.
GOVERNING LAW/ENFORCEABILITY
Use of this Website shall be governed by and construed in accordance with the laws of any Canadian jurisdiction where the website is accessed without giving effect to any principles of conflicts of laws. Any dispute shall be subject to the exclusive venue of a court of competent jurisdiction in Manitoba. Should any provision of these Terms of Use be deemed invalid, unlawful or unenforceable, then the same shall be severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.