Terms + Conditions
Last updated: June 10, 2018
© Copyright 2018 CT Benefits, Ontario, Canada. All rights reserved. This website is owned and operated by CT Insurance Brokers Inc. O/A CT Benefits, (referred to as “CT Benefits”, “we”, “us”, or “our” herein). The text, images, graphics, sound files, animation files, video files, and their arrangement on the CT Benefits website(s) are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified if reposted or shared to other sites.
The information on this site is provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, CT Benefits disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and fitness for a particular purpose. CT Benefits does not warrant that the information will be error-free. Your use of the information is at your sole risk.
Our site may contain links that have been authorized to or from other websites, “third parties”. These links are offered for convenience and information purposes only. We do not review or maintain any of these third party websites. We assume no responsibility whatsoever for any third party website. We make no warranties or representations regarding third party websites and accept no responsibility for their content, accuracy, quality, nature, reliability or any other aspects. We do not control the privacy or security of any third parties. You are urged to review the policies and practices of other parties, including their privacy, security, data handling practices, and other information of importance, all of which may differ from ours. CT Benefits is not responsible for the comments of the websites that are maintained by third parties and therefore waives its liability for any links from this website to other websites.
CT Benefits offers some options to purchase insurance online through third party websites for your convenience. Though this is for your convenience only, we urge you to speak to one of our licensed brokers to ensure that the insurance you purchase meets your current and future needs and that you understand the products you are purchasing. Should you choose to purchase the insurance online without seeking professional advice, you agree that you have waived the option to obtain advice from one of our licensed insurance brokers. If you waive the option to obtain said advice, you agree to indemnify, defend and hold harmless CT Benefits, its officers, directors, employees, agents, licensors, suppliers and any third party information provider from and against all losses, expenses, damage costs, including reasonable attorney’s fees, resulting from any violation of this agreement (including negligent or wrongful conduct) by you or any other person accessing this service.
The information contained at this site is not legal or tax advice, and should not be relied upon by the user of this website as such. The user is strongly encouraged to retain the services of a lawyer or tax professional for legal or tax advice. Use of this website constitutes an agreement by the user that the user will hold CT Benefits harmless for any inaccurate information contained herein, or the inability to access this website or any other website herein referenced.
Any rights not expressly granted herein are reserved.
This website is maintained in Ontario, Canada and is primarily intended for use by residents of Ontario, Canada. If you provide us with personal information, that information will be stored and used in accordance with the Personal Information Protection and Electronic Documents Act (“PIPEDA”) in Canada.
You may view, copy and distribute the material on this website for personal use only, provided that you keep intact all copyright and other proprietary notices. You may not modify or resell the information, or include it in anything you sell or license to third parties. Except as otherwise indicated on this website and except for the trademarks, service marks and trade names of other companies that are displayed on this site, all trademarks, service marks and trade names are property of CT Benefits.
CT Benefits has sought to achieve an innovative and informative web site. However, you also need to understand that we must protect our intellectual property, including trademarks, and copyrights. Accordingly, please appreciate that no license to use the intellectual property of CT Benefits or the intellectual property of third parties has been granted by this website whatsoever.
All claims, disputes or disagreements which may arise out of the interpretation, performance or in any way relating to your use of this website and any and all other CT Benefits website(s), shall be governed by the laws of the Province of Ontario and the laws of Canada.
Terms + Conditions Update
We keep our terms + conditions under regular review and we will place any updates in this webpage. The terms and conditions were last updated on June 10, 2018.
If you have any questions, concerns, or comments about our terms and conditions you may contact us using the information below:
By email: firstname.lastname@example.org
We reserve the right to make changes to the terms and conditions. Any changes to the terms and conditions will be posted.