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.
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. Intellectual Property
"Zurich" and its logos are trademarks of the Company. Except as indicated otherwise, all 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 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.
6. Privacy and Data Protection
100 King Street West
Toronto, Ontario M5X 1C9
Telephone: (416) 586-6773
Toll Free: (800) 387-5454 ext. 6773
Fax: (416) 586-6771
7. 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.
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.
8. 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.
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.
9. Applicable Law and Jurisdiction; Local Legal Restrictions. Updates; Other
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.
DEFINITIONS AND EXAMPLES
By "personal information" we mean any information that personally identifies you and that is not public. Personal information includes:
- Information on your relationship with us or transactions you do with us
- Financial or health information
- Information about you which you provide us, such as on a registration or application form
- Other non-public personal information about you which we may receive or collect
Cookies are small data files that contain and collect data. Typically, they are sent by a web site, like ours, and stored on the user's computer. Whenever the user requests a page from the web site, the cookies are sent back to the site.
- So you don't have to identify yourself every time you re-enter our web site
- To personalize our web site so as to save you time
- To determine previous or subsequent sites visited by those visiting our site
- To determine which parts of our web site are of most use to our visitors and customers and thus improve them accordingly
If you have provided us with personal information on this site, this information may be linked with the data stored in the cookie so as to be able to serve you as described above.
You have a choice on cookies:
If you prefer not to receive cookies or be alerted each time a cookie is sent, you can set your web browser accordingly. If you disable cookies, you should be able in most cases to visit and make use of our web site. But you may be unable to benefit from some of our site's features or functions and your visit may be less speedy.
NOTE: Any personal or other information collected by a site you may visit linked to this site will be in accordance with its policies and subject to the laws that apply to it.
For various reasons, including to measure traffic activity and preferred areas of our site, we may from time to time track and share with others certain anonymous statistical information regarding usage of our sites or its users. You can rest assured that this type of information is aggregated anonymously and will not personally identify you.
On this site we may collect certain personal information from you to:
- Answer your questions or put you on a mailing list you have requested
- Allow you to use features or functions on this site
- Be able to refer you to one of our affiliates (companies that are members of our Group), to an agent or broker, or to an external partner who can meet a need you have expressed
- Properly advise you
- Prevent any unauthorized transactions or other fraudulent activities
- Offer you information on products or services that may interest you
- Meet legal requirements
If you do (or apply to do) business with us, we may also collect information to:
- Help us evaluate your application or request for an extension or renewal
- Establish your account
- Depending on the products we provide you, advise a co-insurer, reinsurer, or other such parties of details they need in connection with transactions they are asked to handle
- Process your payments, redemption requests, claims, etc.
To the extent we gather any personal information from a source other than you, it is only as permitted by law. Sources may include our affiliates, public sources, consumer reporting agencies, credit bureaus, medical service providers, companies that provide demographic or marketing data, and external partners.
Methods of Protection
Protecting your personal information is a priority to us. In addition to secure servers not accessible to unauthorized persons, we may, depending on the nature of information in question and other factors, use on this web site other security measures such as:
- ID and password protected systems
- Secure electronic transactions (SET)
- Secure sockets layers (SSL)
- Computer firewalls (hardware and software)
No means of information storage or transmission, whether the postal system or the Internet, offers 100% security. But we think that by working together with our customers risks can be minimized. Please read the Privacy Commissioner of Canada Bulletin titled Protecting Your Privacy on the Internet. You can access this document at the following website address:http://www.privcom.gc.ca/fs-fi/02_05_d_13_e.asp
By "affiliates" or "affiliated companies" we mean companies (separate legal entities) that are members of the Zurich Insurance Group Ltd.
When you visit our site and desire specific information, you are asked to select your country, so that you can get in touch with our affiliated company that can best serve you. In that case, any collection and use of personal or other information will be done by that affiliate, in accordance with its policies and subject to the laws that apply to it.
However, when we share directly any personal information gathered on this web site with an affiliated company - whether it is located in your country of residence or outside - you can be sure it has committed to protect this information.
From time to time, we may use external service providers or contractors within or outside of your country of residence to perform certain services on our behalf. This may be done, for example, to help us handle specific administrative tasks, provide services, or process claims for our customers.
When we give external service providers/contractors access to personal information collected, we require them to protect this information and comply with applicable data protection and privacy laws. We prohibit these companies from sharing this information with companies not affiliated with them and from sending our customers unsolicited e-mails (SPAM).
We may if necessary also share personal information externally:
- To comply with laws, regulations, and, where obligatory, industry rules
- To resolve any service or billing disputes in the context of legal proceedings
- To prevent fraud
- To anyone holding a legal or beneficial interest on behalf of the customer or us
- Depending on the products we provide you, to meet contractual or other obligations in the context of reinsurance, financial guarantees and other such transactions
- As you may request or approve
By "external partners", we mean a company or individual with whom we may work but which is not an affiliate of the Zurich Insurance Group Ltd and not a service provider/contractor as described under Example 2.
We may work with selected external partners, from within or outside your country of residence. If to do this we find a need to share with external partners personal information collected on this site, we strive to limit it to information that is needed for the products or services to be offered.
To work with us, these external partners have to agree to protect personal information we share with them and to comply with applicable data protection and privacy laws. Additionally, we prohibit them from sharing this information with companies not affiliated with them and from sending our customers unsolicited e-mails (SPAM).
But if you would prefer for us not to share your personal information collected on this site with external partners for non-joint offerings (i.e., not jointly offered or sponsored with us or not done pursuant to a joint marketing agreement with us), you may tell us (opt out) and we will honour your request.
If you cease to be our customer, we will handle your personal information gathered on this site in accordance with the terms of this privacy commitment. We will keep your personal information for at least as long as required by law. From time to time, we may contact you to inform you about new products or services, unless you request otherwise.
Note: At this time we do not share any personal information we collect on this web site with external partners, except as provided in Example 3. We may share personal information with external service providers/contractors for the purposes described in Example 2.
If in the future we intend to share personal information collected on this site with external partners for non-joint offerings, we will provide you with the means to decline (opt out) if you wish.
For any questions regarding a web site linked to this one, please contact directly such web site or the company responsible for it.
For questions regarding this web site, contact us either by e-mail, fax, post, or telephone. Please address your inquiry to the attention of our Privacy Officer.
100 King Street West
Toronto, Ontario M5X 1C9
Telephone: (416) 586-6773
Toll Free: (800) 387-5454 ext. 6773
Fax: (416) 586-6771