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Terms of Use

Legal
The agreement contains the following sections:

  • Terms of Use
  • Content
  • Interpretation and Jurisdiction
  • Security
  • Privacy
  • Cookies
  • Copyright
  • Trade-marks
  • Liability
  • Links
     

When you access the Web site property of Intact Public Entities Inc. ("Intact Public Entities"), including all information, materials, texts, illustrations, graphics and images (the "Site"), you accept and agree to be bound by and comply with the agreement regarding the use of this Site (the "Agreement"), the terms and conditions of which are described below as well as at other locations on the Site.

We reserve the right, at our sole discretion, to modify the terms and conditions at any time without any notice to you. Such modifications are effective immediately upon posting. You agree to be bound by such modifications through your continued use of this Site. We recommend that you revisit these terms and conditions periodically and your continued use of this Site will be deemed your conclusive acceptance of any modification.

These terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on this Site. Please take a moment to become familiar with the terms and conditions. If you do not accept these terms and conditions, you should immediately discontinue the use of this Site.


The information, materials, images, illustrations, graphics, text, and postings ("Content") provided by Intact Public Entities is believed to have been accurate and reliable when posted on the Site, but it cannot guarantee that it is accurate or complete or current at all times. As a result, Intact Public Entities, cannot be held responsible, in whole or in part, for the accuracy and completeness of the Content provided in the Site.

The Content on this Site is for informational purposes only and Intact Public Entities has no obligation to update information presented on this Site. For specific details and further enquiries, please contact Intact Public Entities.


When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.

Access and use of this Site are subject to all laws and regulations applicable in your province or territory of residence. Please be aware that some products and services described in the Site may not be available in your province or territory of residence. Persons accessing this Site are required to obtain information about and observe any relevant restrictions.

If any term or condition is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the terms and conditions and shall not affect the validity and enforceability of any remaining provisions of the Agreement. The terms, exclusions and conditions of the contracts relating to products and services mentioned on this Site are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance product purchased, and by any applicable laws and regulations. In case of any discrepancy between the contract and the Site, the contract will apply.

Only Canadian residents who can validly be bound by an agreement under applicable laws can use this Site. Individuals residing in an area where the access to or use of the Site or any part of is illegal or prohibited are not permitted to use the Site. It is your responsibility to determine if you can legally use the Site in compliance with all applicable laws.


Once you have gained access to the Site, it is highly recommended that you do not leave the computer terminal until you have left the Site.

Intact Public Entities does not warrant that any information, software or other material accessible through the Site or through links to other Web sites is free of viruses, worms, Trojan horses or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured.


When you become a client of Intact Public Entities you share important information with us, part of which is personal. For more information, please read our Privacy Promise.

Rest assured, Intact Public Entities respects the applicable laws with regard to the collection, use and disclosure of your personal information.
Intact Public Entities protects personal information that has been transmitted to it using various means: physical, organizational and technological in accordance with the level of protection required.

Certain sections of the Site may permit the communication of personal information to take advantage of electronic services. Any personal information submitted to the Site is used for the purpose(s) identified in its collection.


Cookies are small data files sent to your Internet browser that allow us and our third party service providers to recognize you when you visit the Site. If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.

We use cookies for your convenience in order to allow us to recognize you when you return to the Site, to gather information about your use of the Site, to enable the functionality of certain services available through the Site, to maintain, monitor, protect, and improve the Site, and to integrate third party services into the Site.

Any website traffic data we collect may be shared with our parent company, Intact Financial Corporation, and our affiliates in the Intact Financial Corporation group of companies consistent with the purposes set out in our Privacy Promise.
We use cookies to integrate the following third party services into this Site:

Interest Based Advertising
We use cookies, web beacons, pixel tags, and other technologies on our Site and other sites provided by the Intact Financial Corporation group of companies. These technologies let us deliver suitable advertisements about our products and services to you on various internet websites.

For example, cookies may be placed on your device when you visit our Site. These cookies can inform our advertising agencies and advertising networks that you have visited our Site. As you visit the websites of other companies in the advertising network, these cookies help our advertising agencies use Interest-Based Advertising techniques to predict which advertisements are likely to interest you based on your browsing patterns.

You can learn more about our privacy practices by vising our Privacy Promise. You can also learn more about Interest Based Advertising and opt-out of Interest-Based Advertising on our sites by visiting the Ad Choices Canada consumer opt-out page.

AdWords & DoubleClick – Remarketing
AdWords and DoubleClick are marketing services provided by Google Inc. AdWords and DoubleClick use a third party cookie to identify users who have previously visited the Site on third party websites who are part of the Google Display Network and other Internet ad spaces.

We use website traffic data collected through Adobe Marketing Cloud and/or Google Analytics with AdWords and/or DoubleClick services to display ads to users who have previously visited the Site (and users similar to them) on third party websites based on their profiles, interests and activities.

Adobe Marketing Cloud
Adobe Marketing Cloud is a website analytics service provided by Adobe Systems Incorporated. Adobe Marketing Cloud uses a third party cookie to report, on an anonymous basis, website traffic data such as what device and browser users used to access the Site, where they are accessing the website from, how often they visit the Site, what webpages they visit and in what order they visit them, and what other websites or webpages linked them to the Site.

We use the website traffic data to help us understand who visits the Site and how visitors use the Site, to make decisions about how to improve the Site, to assess the effectiveness of our ad campaigns, and to personalize the experience of visitors of the Site based on their profile, interests and activities.
You may opt-out of the Adobe Marketing Cloud by visiting the Adobe Privacy Settings preferences page.

Google Analytics
Google Analytics is a website analytics service provided by Google Inc. Google Analytics uses a first party cookie to report, on an anonymous basis, website traffic data such as what device and browser users used to access the Site, where they are accessing the website from, how often they visit the Site, what webpages they visit and in what order they visit them, and what other websites or webpages linked them to the Site.

Our use of Google Analytics on the Site includes Demographics and Interest Reporting and Display Network Impression Reporting (“Advertising Features”). As a result of our participation in these Advertising Features, Google Analytics also uses a third party cookie to report certain website traffic data to Google.

We use the website traffic data to help us understand who visits the Site and how visitors use the Site, to make decisions about how to improve the Site, to assess the effectiveness of our ad campaigns, and to personalize the experience of visitors of the Site based on their profile, interests and activities.
You may opt-out of Google Analytics by installing the Google Analytics browser opt-out add-on.

You may opt out from AdWords and DoubleClick by visiting the Google opt-out page, or the Network Advertising Initiative opt-out page.

Hotjar
Hotjar is a website optimization service provided by Hotjar Ltd. Hotjar uses web beacon technology as well as first and second party cookies to determine which areas of our website are used most frequently by visitors.
We use information from Hotjar to design and redesign our websites to make sure the most relevant content is always easily available to visitors.
You may opt out from Hotjar’s services by visiting the Hotjar opt-out page. 


The Site is protected by the Copyright Act, by the copyright laws of other countries and International Agreements on such matters, and its Content cannot be altered without infringing Intact Public Entities’ and the author’s rights and moral rights.

The Content displayed on the Site is and will remain at all times the property of Intact Public Entities and/or the author, unless stipulated otherwise herein. The Content cannot, under any circumstances, be sold, reproduced, copied, modified, altered, published, distributed, uploaded, broadcast or retransmitted in whole or in part, as the case may be, without prior written consent from Intact Public Entities and/or the author(s). Any unauthorized act including downloading, retransmission or other copying or modification of the Content may be a violation of any federal or other law applicable to copyrights and may give rise to legal action.

No Content from the Site may be cited on or transmitted to newsgroups, mail lists, electronic bulletin boards, blogs or incorporated into any other Internet Web site nor may links be created to this Site without indicating the source and address of the Site and without the prior written consent of Intact Public Entities.


Certain names, words, titles, phrases, logos, icons, graphics or designs or other Content in the pages of the Site are, as the case may be, trade-names or trademarks of Intact Public Entities, its parent or affiliates, registered and/or used in Canada or in other countries, as the case may be, and represent only part of the intellectual property of Intact Public Entities, its parent or affiliates (the "Trademarks").

Certain names, words, titles, phrases, logos, icons, graphics or designs or other Content in the pages of the Site can constitute trade-marks or trade-names, registered or not, of third parties and may be used under licence. The users are not permitted to use these trade-marks or trade names without express consent from Intact Public Entities or from the third party proprietor of these trademarks or trade names.

Notwithstanding the above, the following notices, which are not exhaustive, apply: Intact Public Entities, Intact and Intact Insurance are trade-marks of Intact Financial Corporation. Any unauthorised downloading, re- transmission, or other copying or modification of the Trademarks and/or the Content of the Site may be a violation of any federal or other law that may apply to trademarks and/or copyrights and give rise to legal action.


All Content found or accessed on this Site is provided on an "AS IS" basis and without warranties of any kind, either expressed or implied. Intact Public Entities completely disclaims all liability arising from the use of the Content contained on this Site by any user. Further, and without limiting the generality of the foregoing, in no event shall Intact Public Entities be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising out of the use of the information herein, or in any way connected with access to or use of the Site.

Without limiting the above, Intact Public Entities does not represent or warrant that the Site or its Content will be available or will function without interruption or that it will be free of errors or that any errors will be corrected. In addition, it does not represent or warrant that the use of the Site and, including the browsing and downloading of any Content, will be free of viruses, Trojan horses, worms or other destructive or disruptive components or that your use of the Site and its Content will not infringe the intellectual property or other rights of any third party.

When using the Site, you have to take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using the Site.


Links from or to Internet Web sites outside this Site are meant for convenience only and you access them at your own risk. The publishers of the outside sites manage their content which are not reviewed, nor approved by Intact Public Entities. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. Intact Public Entities cannot guarantee that these links are functional or secure.

Intact Public Entities is not responsible for damages or prejudice of any nature resulting from the use or the Content of this Site or content of other sites connected to the Site by hyperlink.