The products described in this Web site are available and intended only for distribution in Canada and only where they may lawfully be sold. The use of this Website is restricted to persons currently resident in Canada and is intended for use only by insurance intermediaries and risk managers with appropriate knowledge of insurance products and terminology.

All information on this Web site, including quotations and information relating to premiums, is subject to change without notice. All dollar amounts expressed on this Website, including but not limited to all amounts relating to premium, minimum premium, deductibles, policy and occurrence and retention limits, are expressed in Canadian currency.

Many terms used in and concepts depicted on this Website are defined terms or matters specifically dealt with in the policies of insurance to which this Website material relates. In all instances it is the terms of these policies which shall govern, including as to matters such as the scope of coverage or the outcome of any claim.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND TRAVEL GUARD GROUP, INC. AND TRAVEL GUARD GROUP, INC. AFFILIATED COMPANIES (COLLECTIVELY, "TRAVEL GUARD") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. TRAVEL GUARD DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TRAVEL GUARD DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT TRAVEL GUARD) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY TRAVEL GUARD. TRAVEL GUARD IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY TRAVEL GUARD OF THE WEBSITES OR THE CONTENT THEREOF.

While TRAVEL GUARD uses reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, TRAVEL GUARD makes no warranties or representations as to the accuracy of the content of this Website and under no circumstances, including, but not limited to, negligence, shall TRAVEL GUARD or any party involved in creating, producing, or delivering the Website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if TRAVEL GUARD or an TRAVEL GUARD authorized representative has been advised of the possibility of such damages. In no event shall TRAVEL GUARD's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Website.

TRAVEL GUARD also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this Website or your downloading of any materials, data, text, images, video, or audio from this Website.

This Website is owned and operated by TRAVEL GUARD. Except as otherwise expressly permitted by TRAVEL GUARD, no materials from this Website or any website owned, operated, licensed or controlled by TRAVEL GUARD may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for your use only in connection with investigating or obtaining an insurance product from a Travel Guard Group, Inc. affiliated company, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for any other public or commercial purposes, including the text, images, audio, and video without TRAVEL GUARD's written permission. TRAVEL GUARD neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties.

Unless otherwise expressly set forth herein, TRAVEL GUARD makes no representation that materials on this Website are appropriate or available for use in any location. Those who choose to access this Website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this Website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by TRAVEL GUARD. No security, insurance product or other product or service is offered or will be sold by TRAVEL GUARD or, if sold by TRAVEL GUARD, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Any information, other than personal data or information, you transmit to TRAVEL GUARD via this Website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of TRAVEL GUARD. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. TRAVEL GUARD is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to TRAVEL GUARD via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

All trademarks, services marks, trade names, logos, and icons are proprietary to TRAVEL GUARD. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of TRAVEL GUARD. Your use of the trademarks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

Images displayed on this Website are either the property of, or used with permission by, TRAVEL GUARD. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by TRAVEL GUARD. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. TRAVEL GUARD does not authorize the downloading or exportation of any software or technical data from this Website to any jurisdiction prohibited by such export controls laws and regulations.

TRAVEL GUARD may change, modify, add or remove portions of these terms of use at any time. TRAVEL GUARD will notify you of any changes to this Agreement by posting notice of such changes on this Website. Your continued access and browsing following notice of such change means that you agree to and accept terms of use as amended. If you do not agree to any modification of these terms of use, you must immediately stop accessing and browsing this Website.

TRAVEL GUARD has not reviewed any or all of the sites that may be linked to this Web site and is not responsible for any sites linked to this Website. Your linking to any sites from this Website is at your own risk. By linking to a site or permitting a link to this Website, TRAVEL GUARD does not endorse the site operator or the content of the linked site.

You agree that the laws of the Province of Ontario, Canada govern any use of this Website and any issues which may arise with regard to this Website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this Website or material from this Website. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

If any provision of this agreement pertaining to these terms of use is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.