When you access the Web site property of Multi Risk Insurance and Insurance Tiger. (“Multi Risk Insurance and Insurance Tiger”), 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 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 Multi Risk Insurance and Insurance Tiger 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, Multi Risk Insurance and Insurance Tiger cannot be held responsible, in whole or in part, for the accuracy and completeness of the Content provided in the Site.
You agree that you are solely responsible for any Content that you create, transmit, or post on the Site (“User Content”) and that Multi Risk Insurance and Insurance Tiger has no responsibility to you or to any third party for such User Content. In particular, without limiting the generality of the foregoing, you represent and warrant that you:
– are the sole author and owner of the intellectual property rights thereto;
– all “moral rights” that you may have in such content have been voluntarily waived by you;
– all content that you post is accurate;
– you are at least 16 years old;
Notwithstanding the foregoing, you agree that any User Content you provide shall not contain any computer viruses, worms or other potentially damaging computer programs or files or be offensive, discriminatory, indecent, illegal, profane or otherwise unsuitable for a public forum and further agree to indemnify Multi Risk Insurance and Insurance Tiger from any claim, loss or damage which Multi Risk Insurance and Insurance Tiger may suffer as a result of your User Content.
While Multi Risk Insurance and Insurance Tiger reserves the right to pre-screen, review, flag, filter, modify, remove or refuse any or all User Content from the Site, Multi Risk Insurance and Insurance Tiger shall not be obligated to do so and as such you understand that you may be exposed to Content that you may find offensive, indecent or objectionable and that in this respect, you use the Site at your own risk. Without limiting the foregoing, Multi Risk Insurance and Insurance Tiger reserves the right to remove:
- Advertisements, “spam” content, or references to other products, companies, offers, websites or third party intellectual property;
- Email addresses, URLs, phone numbers, physical addresses or other forms of personal information;
- Critical or spiteful comments of other reviews posted on the page or their authors; or
- Any other comments Multi Risk Insurance, in its sole discretion, deems inappropriate.
For any User Content that you submit, you grant Multi Risk Insurance and Insurance Tiger a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.
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. Multi Risk Insurance and Insurance Tiger 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.
Cookies are small data files sent to the Internet browser when a user visits an Internet site. Cookies record information on the visitors or on the pages visited.
Multi Risk Insurance and Insurance Tiger has retained the services of a specialized firm to help it evaluate the effectiveness of our advertising and to determine the behavior of visitors on our Site. To this end, Multi Risk Insurance and Insurance Tiger uses Internet tags and cookies provided by this firm and added to the web pages. We gather only information pertaining to your behavior on our Site, such as the pages you visit; no personal information is gathered.
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 trade-marks of Multi Risk Insurance, 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 Multi Risk Insurance, its parent or affiliates (the “Trade-marks”).
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 license. The users are not permitted to use these trade-marks or trade names without express consent from Multi Risk Insurance and Insurance Tiger or from the third party proprietor of these trade-marks or trade names.
Any unauthorized downloading, re-transmission, or other copying or modification of the Trade-marks and/or the Content of the Site may be a violation of any federal or other law that may apply to trade-marks 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. Multi Risk Insurance and Insurance Tiger 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 Multi Risk Insurance and Insurance Tiger 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, Multi Risk Insurance and Insurance Tiger 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 Multi Risk Insurance. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. Multi Risk Insurance and Insurance Tiger cannot guarantee that these links are functional or secure.
Multi Risk Insurance and Insurance Tiger 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.
The Multi Risk Insurance group of companies includes Insurance Tiger. Insurance Tiger is wholly owned by Multi risk Insurance Brokers and Financial Group Inc.
We collect, use and disclose personal information for numerous reasons, such as to:
- serve you better and communicate effectively with you;
- verify your identity;
- assess and underwrite insurance risks;
- determine prices, fees and premiums;
- investigate and settle claims;
- determine your eligibility for products and services offered by Insurance Tiger and its affiliates or by our strategic partners and alliances, which may include insurance companies as well as insurance brokers, adjusters and intermediaries;
- share your information among the Multi Risk Insurance group of companies, provided there are reasonable safeguards and it is legally permitted;
- detect and prevent fraud, unauthorized or illegal activities;
- compile statistics, verify and provide information to insurance industry databases;
- report to regulatory or industry entities in accordance with statutory and prudent insurance industry practices, including claims history;
- conduct market research;
- comply with all applicable laws, including tax requirements.
How do we gather personal information?
We gather personal information from you and other listed insureds, where permitted by law: on applications for our insurance products; from your interactions with us; from licensed agents; from insurance brokers; from adjusters or other intermediaries; from government, and other entities that have information on your driving record and claims history; and from consumer reporting agencies (for example your credit history where permitted).
Your consent and how you may withdraw it.
Your knowledge and consent are required before we may collect, use or disclose your personal information, except in situations permitted by the law, such as during a fraud investigation, or an investigation by the police.
You may withdraw your consent, including your consent to be contacted for secondary marketing activities, however please note that withdrawing your consent may affect our ability to continue to provide you with the products and services that you have or would like to receive.
In the event that Multi Risk Insurance proceeds with a business transaction such as the purchase, sale, lease, transfer, merger or amalgamation or any other type of acquisition, disposal or financing of a portion or all of an organization, business or assets of an organization, your personal information may be shared with such prospective party and/or parties for purposes of the business transaction.
How do we protect your personal information?
Insurance Tiger shall use care and strict security safeguards when storing or destroying your personal information in order to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks.
In the event that we transfer your personal information to a third party in Canada or across borders for processing, we contractually require such third party to protect your personal information in a manner consistent with our privacy safeguarding measures, subject to the law in the third party jurisdiction.
What are your rights to access and correct your personal information?
You have a right to access your personal information that we have under our control subject to any legal restrictions or rights of refusal by Insurance Tiger. You also have the right to request correction of your personal information.
When making a request for access or correction, please make your request in writing to Insurance Tiger’s Privacy Office, stating the details of the personal information you are requesting. Insurance Tiger may charge you a reasonable fee for reproducing or transmitting information to you from your file.
If you have a question or concern, we want to know about it.
Multi risk Insurance Brokers and Financial Group Inc
100 Dynamic Dr. Suite 200
Scarborough, ON M1V 5C4