Terms of Service

QUBE RISK SERVICES LTD. (the “Company”, “Qube”, “we”) welcomes you to its website located at www.quberisk.ca (the “Website”). Please read the following Website terms of service (“Terms of Service”) before using the Website or any services that may be made available through the Website to its users (the “Users”), which may include, but are not limited to (i) insurance brokerage services (the “Services”), (ii) any other website owned or operated by or on behalf of the Company, or (iii) any Computer software applications (the “Apps”) and User Portals (the “Portal”, and together with the Website, the Services, and the Apps collectively, the “Online Products”). By accessing and using the Online Products by any means (computer, tablet, phone or any other device), you agree to be bound by the Terms of Services set forth herein. These Terms of Services constitute a legal agreement between the Company and the Users.

IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE, YOUR SOLE RECOURSE IS TO LEAVE THE ONLINE PRODUCTS IMMEDIATELY. A COPY OF THESE TERMS OF SERVICE MAY BE DOWNLOADED, SAVED AND PRINTED FOR YOUR REFERENCE. IF YOU ARE USING THE ONLINE PRODUCTS OR SERVICES ON BEHALF OF A COMPANY OR OTHER ORGANIZATION, THEN YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND SUCH ORGANIZATION TO THESE TERMS OF SERVICE. If you are an agent or broker of the Company, certain agent-specific or broker-specific terms and conditions may apply to you and may supersede these Terms of Service.

NO WARRANTY

The Company provides this Website for informational purposes only. All information is provided “as is” without any warranties of any kind and we assume no responsibility to you or any third party for the consequences of any errors or omissions. This Website could contain inaccuracies or typographical errors. Users who access and rely on information contained on this Website do so solely at their own risk.

CHANGES TO TERMS OF SERVICE

The Company may make changes to the Terms of Service from time to time in its sole discretion without notice to Users. The most recent version of these Terms of Service will be posted on the Company’s website at www.quberisk.ca, and you should regularly check the Website for updates. If you continue to use the Website after the Terms of Service change, you will be deemed to have agreed to the new Terms of Service.

RESTRICTIONS ON USE

The Online Products are owned and operated by the Company. Any and all content, data, graphics, photographs, images, audio, video, software, systems, processes, trademarks, service marks, trade names and other information including, without limitation, the “look and feel” of the Online Products (collectively, the “Content”) contained in the Online Products are proprietary to the Company, its affiliates and/or third-party licensors. Each affiliated entity of the Company is a third party beneficiary to these Terms of Service with the full right to enforce the terms hereof. The Content is protected by Canadian copyright and trademark laws.

Except as set forth herein, you may not modify, copy, reproduce, publish, post, transmit, distribute, display, perform, create derivative works from, transfer or sell any Content without the express prior written consent of the Company. You may download, print and reproduce the Content for your own non-commercial, informational purposes provided you agree to maintain any and all copyright or other proprietary notices contained in such Content, and to cite the URL source of such Content. Reproduction of multiple copies of the Content, in whole or in part, for resale or distribution is strictly prohibited except with the prior written permission of the Company. To obtain written consent for such reproduction, please contact us at info@quberisk.ca.

INFORMATION ABOUT PRODUCTS AND SERVICES

The descriptions of the various products and services offered by the Company contained in this Website are provided solely for general informational purposes. No offer is made or intended to be made on this Website or any of the Online Products. The information and descriptions contained in the Online Products are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. In all such cases, any products and services provided by the Company shall be governed by the terms, conditions and exclusions of the actual policy wording provided with respect thereto. The Company’s products and services mentioned in this Website are available in jurisdictions where they may be legally offered.

LIMITATION OF LIABILITY

The Company will not be liable for any damages, including without limitation, direct or indirect, special, incidental, moral or consequential damages, loss of profits, opportunities or information
or for expenses arising in connection with this Website, with any software available on this Website, with any hyperlinked website or for use thereof or inability to use by interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we advised of the possibility of such damages, losses or expenses.

NO ADVICE

This Website is not intended to provide specific insurance or other advice for any individual or business entity and should not be relied upon for such advice. Persons seeking insurance or other such advice should contact a licensed insurance professional directly, who can, among other things, take such individual’s personal circumstances into consideration.

INDEMNITY

You agree to indemnify and hold harmless the Company, its affiliates, members, officers, employees, agents, and licensors from and against any and all losses, expenses, damages, claims, fines, penalties, costs and liabilities (including legal and accounting fees), arising out of or resulting from your (or anyone acting on your behalf): (i) use of the Online Products; and (ii) any violation or alleged violation by you of these Terms of Service.

PRIVACY POLICY

Please review our Privacy Policy for information on the manner in which we collect, use, disclose and otherwise manage your Personal Information (https://www.quberisk.ca/legal/privacy-policy).

COOKIES

The Company uses cookies with this Website. A cookie is a small data file sent to your browser by a website you visit. Cookies help the website remember information about your visit, including pages visited, and may be used to facilitate your future visits to the Website. The Company uses cookies to recognize you when you return to our Website, to gather information about your use of our Website, to enable the functionality of certain services available through our Website, to maintain, monitor, protect and improve the Website and to integrate third party services into our Website.

You may change your web browser settings to disable cookies. If you set your browser to disable cookies you may not be able to access certain parts of our Website or certain parts of our Website may not work properly.

We and our service providers or third-party ad servers may also use cookies or similar technology to collect information about your browsing activities over time and across different websites. The Company has retained the services of specialized service providers to help it evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our Website. As such, the Company uses cookies provided by service providers.

THIRD PARTY LINKS

The Company provides links to third party websites only as a convenience and does not control such websites and is therefore not responsible for the content of any such website. The inclusion of any link by the Company does not imply endorsement, investigation or verification by the Company of the linked website or the material contained therein. Your access and use of any third party websites, including the information, material, products and services contained therein are solely at your own risk.

AVAILABILITY AND INTERNET DELAYS

The availability and functionality of the Online Products depend on various factors and elements, including software, hardware and communication networks, which may be provided by third parties. These factors are not fault-free. We do not warrant or guarantee that the Online Products will operate without disruption, limitations, delays, errors or interruptions, or that it will be accessible, or available at all times, or immune from unauthorized access or error-free.

GENERAL

These Terms of Service are governed by and construed in accordance with the laws of the Province of British Columbia and the laws of Canada applicable therein, without regard to the conflict of laws provisions thereto. In the event of litigation, the parties consent to the jurisdiction of the courts in the Province of British Columbia, in the City of Vancouver, unless another forum is consented to by all parties in writing. These Terms of Service constitute the entire agreement between you and the Company relating to the Online Products. If any provision of these Terms of Service are held by a court of competent jurisdiction to be contrary to law, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of these Terms of Service will remain in force and effect. You may not transfer or assign your rights under these Terms of Service and any attempted assignment in violation of this section is void.

CONTACT US

If you have a question about this Terms of Service, please contact us at info@quberisk.ca for further information.. If you have a complaint regarding the Online Products, please contact info@quberisk.ca with your concerns.