Terms of Service

Legal

These are the terms and conditions that apply to your use of this website. Please read them carefully. By accessing and using this website, you are deemed to have accepted these Terms and Conditions. If you do not agree with these Terms and Conditions, please refrain from using this website.

This website is intended for use by residents of Canada while located in Canada. The information, products, and services described on this website may not be available in all jurisdictions and may be subject to provincial licensing and regulatory requirements. Nothing on this website constitutes an offer to sell, solicitation, or recommendation of any insurance product or service in any jurisdiction where such offer, solicitation, or recommendation would be prohibited by law.

General

This website is owned and operated by one or more of the following licensed insurance brokerage entities (collectively, "Navacord"):

Navacord Insurance Services British Columbia Inc.
Navacord Insurance Services Alberta Inc.
Navacord Insurance Services Ontario Inc.

Certain information available on this website may be provided by third parties, including insurers, service providers, industry organizations, or other organizations. Separate terms and conditions may apply to such third-party information and services.

This website may contain links to websites operated by third parties. Those websites are governed by their own terms, conditions, and privacy practices. Navacord is not responsible for the content, accuracy, or availability of third-party websites.

Availability

Navacord will use reasonable efforts to ensure that this website is accessible on a continuous basis. However, access may be suspended, restricted, or interrupted from time to time for maintenance, updates, technical reasons, or circumstances beyond our control.

Navacord shall not be liable for any loss, damage, cost, or expense resulting from the unavailability of this website, whether temporary or permanent.

Information

The information contained on this website is provided for general informational purposes only. While Navacord takes reasonable care to ensure that information is accurate and current at the time of publication, no representation or warranty is made regarding the completeness, accuracy, reliability, or timeliness of such information.

Insurance coverage descriptions are provided as general summaries only. Coverage is subject to the terms, conditions, limitations, exclusions, and endorsements contained in the applicable insurance policy. In the event of any inconsistency, the policy wording shall govern.

Nothing on this website constitutes insurance, legal, financial, tax, risk management, or other professional advice. Users should consult a qualified professional regarding their specific circumstances.

Security

Navacord takes reasonable measures to protect information transmitted through this website. However, due to the nature of the internet, no method of transmission or storage is completely secure.

Any information transmitted by email or through this website may not be secure and may be intercepted, lost, or altered. Accordingly, Navacord cannot guarantee the security or confidentiality of communications transmitted electronically and assumes no responsibility for any damages resulting from such transmissions.

We process personal information in accordance with our Privacy Policy. By using this website, you consent to such processing and represent that any information you provide is accurate and complete.

Additional information regarding the collection, use, disclosure, and protection of personal information is available in our Privacy Policy.

To the fullest extent permitted by law, Navacord shall not be liable for any loss of use, profits, business interruption, savings, data, or any indirect, incidental, special, punitive, or consequential damages arising from the use of, reliance upon, or inability to use this website.

Copyright and Other Intellectual Property Rights

All content on this website, including text, graphics, logos, images, videos, documents, designs, software, and other materials, is owned by or licensed to Navacord and is protected by applicable copyright, trademark, and intellectual property laws.

You may download or print materials from this website solely for your personal, non-commercial use, provided that all copyright and proprietary notices remain intact.

Except as expressly permitted, you may not:

Reproduce, distribute, modify, publish, transmit, or create derivative works from website content;
Use any content for commercial purposes without prior written consent;
Remove or alter copyright, trademark, or proprietary notices; or
Use content in a manner that may damage Navacord's reputation or intellectual property rights.

You may link to the homepage of this website in a fair and lawful manner that does not imply sponsorship, endorsement, or affiliation without written authorization.

Navacord reserves the right to withdraw linking permissions at any time without notice.

Privacy

Any personal information submitted through this website will be collected, used, disclosed, retained, and protected in accordance with applicable Canadian privacy legislation and Navacord's Privacy Policy.

By using this website, you acknowledge and agree to the terms of our Privacy Policy.

Hypertext Links

Links to third-party websites are provided solely for your convenience and information. Navacord does not endorse and is not responsible for the content, products, services, policies, security, or practices of third-party websites.

Access to and use of third-party websites is entirely at your own risk.

Navacord does not warrant that this website will be free from viruses, malware, or other harmful components and shall not be responsible for any damage arising from the use of this website or any linked website.

Regulatory Compliance

Insurance products and services referenced on this website are offered only through appropriately licensed Navacord entities and licensed insurance professionals where permitted by law.

Not all products and services are available in all provinces or territories. Eligibility for coverage is subject to underwriting criteria, insurer approval, and applicable laws and regulations.

Nothing on this website shall be construed as creating a broker-client relationship unless and until such relationship has been formally established.

Where required by law, applicable regulatory disclosures, compensation disclosures, conflicts of interest disclosures, and consumer notices will be provided during the insurance transaction process.

Applicable Law

This website is established and operated in Canada.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising from or relating to the use of this website shall be subject to the exclusive jurisdiction of the courts of Ontario, unless otherwise required by applicable law.

Policy Cancellations and Refunds

Policy cancellation, termination, refund, and other applicable rights and obligations are governed by the terms and conditions of the applicable insurance policy and relevant legislation.

Please refer to your policy documentation for complete details regarding cancellation rights, notice requirements, and any applicable refund provisions.

If you have questions regarding your policy, please contact your Navacord representative or local brokerage office.