Terms of use
The information contained on this website (the "Site") is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Site. By accessing or using this Site you do so on your own initiative and you are solely responsible for compliance with the applicable local laws and regulations.
Please read these terms and conditions (the "Terms of Use") carefully as they apply to your access and/or use of this Site. By accessing this Site and any pages thereof, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use this Site. These Terms of Use are subject to change at any time.
This Site is owned and operated by Zurich Insurance Company Ltd (Canadian Branch) (the "Company", "Zurich" or "Zurich Canada"), a company incorporated in Switzerland and registered to conduct property and casualty insurance business in Canada. Swiss and Canadian law governs this Site and these Terms of Use.
1. General Disclaimer
THE MATERIAL AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, LINKS, OR COMMUNICATIONS, INCLUDING NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTIONS OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
In no event shall the Company, nor any of its subsidiaries or affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use, this Site or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this Site or any website linked to or linking into this Site.
It is the responsibility of the user of this Site to evaluate the accuracy, completeness, reliability, and usefulness of any opinions, services or other information provided. All information provided in this Site is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of this Site should consult their professional advisors with respect to their personal circumstances.
2. No Offer
Nothing on this Site should be construed as a solicitation, offer, advice, recommendation, or any other service. For information about any specific product and/or country please visit the respective website.
3. Site Features
The information and features/functions contained on this Site are provided for your informational and educational convenience only. Nothing on this Site should be relied on in making any specific financial planning or other decision. Users should always consider their overall personal circumstances and personal risk preferences.
4. Forward-Looking Statements
The Site may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent the Company's judgement and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from the Company's expectations. Therefore, you must not place any reliance on forward-looking statements on this Site. The Company is under no obligation to update or alter forward-looking statements on this Site whether as a result of new information, future events, or otherwise.
5. Intellectual Property
"Zurich" and its logos are registered trademarks of the Company. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the "feel and look"), as well as any copyrights or other rights, are the exclusive property of the Company, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained the Company's express written consent.
Nothing on this Site should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on this Site will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from this Site for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.
The copyright in some documents and other material available on this Site belongs to third parties and such documents and other material have been produced on this Site with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.
6. Market Data
Zurich uses the Site to provide investors with data relating to Zurich Insurance Group Ltd shares and possibly other Zurich Insurance Group instruments listed on the SIX Swiss Exchange or another Stock Exchange ("Market Data"). The Company obtains such Market Data mainly through third party providers ("Market Data Provider"). The Company can stop providing you with Market Data at any time without prior notice and at its sole discretion. The liability of both the Company and the Market Data Provider for the accuracy or completeness of Market Data, for any delay or interruption of the supply of Market Data or for losses or damages that are incurred in any way in connection with the Market Data, including, but not limited to, any indirect or consequential loss or damage and lost profit, shall be excluded to the extent permitted by applicable law. All rights to the intellectual property of or in respect of Market Data shall be retained by the Company or the relevant Market Data Provider, as the case may be. You will strictly observe forwarding restrictions or any other restrictions as to the use of Market Data, if any, contained in such Market Data.
7. Links
The links from this Site to other websites are provided for your information and convenience only.
The Company does not assume any responsibility or liability with respect to any website linked from this Site (or any website linking into this Site), including its content and operation.
The Company does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.
A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. The Company believes that the links it provides to other publicly accessible websites, web pages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the internet.
Without the prior written consent of the Company no person and no website may make a link to this Site, whether to its homepage or to any internal page.
8. Privacy and Data Protection
The privacy and data protection policy applicable to this Site is outlined in the Privacy Policy, which is subject to these Terms of Use.
If you would like to obtain a copy of our Privacy Policy, or if you have a question, concern or complaint about privacy or our personal information handling practices, please contact our Privacy Officer at the address or number listed below:
Privacy Officer
Attention: Canada Compliance
Zurich Canada
100 King Street West
Toronto, Ontario M5X 1C9
Telephone: 416-586-6800
Toll Free: 800-387-5454
Fax: 866-398-0234
Email: privacy.zurich.canada@zurich.com
Internet: www.zurichcanada.com
To review our Privacy Policy and details of our commitment to obtaining meaningful consent in the collection, use, storage and disclosure of personal information, please click here.
9. Submissions to This Site; Monitoring; Other
Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through this Site shall become the property of the Company. The Company reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.
By submitting personal data to the Company or its affiliated companies, you acknowledge and agree that said data may be processed, stored and archived by the Company or its affiliated companies or a third party on their behalf for the purpose it was submitted, and may be forwarded to other member companies of the Zurich Insurance Group in your country of residence and abroad. As a result, and as permitted by applicable law, you acknowledge and agree that data may be transmitted to countries where data protection legislation is less stringent than in your country of residence. Your personal information is secured in our offices or those of our administrator or agent. You may request to review the personal information it contains and make corrections by writing to our Privacy Officer.
The Company is not obligated to monitor any submissions or transmissions to or through this Site or any website to which this Site links or that links into this Site. The Company, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and the Company.
10. User Conduct
When accessing or making use of any part of this Site, you may not:
- Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law;
- Post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component;
- Interfere with the functioning of this Site or restrict or inhibit any other user from using this Site;
- Post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through this Site for commercial purposes without the prior written consent of the Company;
- Post or upload content on the Site, in which you don't own the respective rights.
You will indemnify the Company for any costs or damages that the Company incurs as the result of any such inappropriate content per the above being uploaded by you.
CAUTION:
ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. THE COMPANY RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULL EXTENT OF THE LAW.
11. Applicable Law and Jurisdiction; Local Legal Restrictions. Updates; Other
This Site and these Terms of Use shall be construed, enforced and performed in accordance with the substantive laws of Canada. The place of jurisdiction is Canada and its provinces and territories.
The Company makes no representation that any information, materials or features/functions included are appropriate for use in any other jurisdiction. The Site is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of the Site and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use this Site. By accessing or using this Site you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations.
Updates and modifications to these Terms of Use are subject to change at any time, at Company’s sole discretion. Be sure to check these Terms of Use each time you access and/or use this Site, since any updated version applies to your access and/or use of this Site.
Contact
If you have questions about these Terms of Use, please contact caz.corporatelawcanada@zurich.com.