Limited license and use
Insurance Clinic or CriticalInsurance.com grants you a limited license to display the contents of this site on your computer or other electronic device you use to access this site, and to print, download and use the materials on this site solely for informational purposes or to transact with Insurance Clinic or CriticalInsurance.com provided that the contents of this site are not modified in any way and that all copyright and other notices are maintained. You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this site or any of its content. This site is not intended to provide you with any personalized financial, insurance, legal, accounting, tax, medical or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice from a representative of Insurance Clinic or CriticalInsurance.com or any other appropriate professional adviser.
Nothing on this site constitutes an offer to buy or sell products or services of Insurance Clinic or CriticalInsurance.com or any third party. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws. Insurance Clinic or CriticalInsurance.com products and services and those of third parties described on this site are available only in jurisdictions where they may be lawfully offered for sale in Canada. The use and content of this site, including the terms and conditions of use, shall be governed by the laws of the Province of Ontario and the laws of Canada applicable therein and you agree to the jurisdiction of the courts of the Province of Ontario.
If you are accessing this site on behalf of another party, you confirm you are authorized to do so, and agree you shall be liable and will indemnify and hold harmless Insurance Clinic or CriticalInsurance.com its affiliates, and each of their respective directors, officers, employees and agents, in the event the party you are acting on behalf of claims you did not have such authority or the information you submitted was inaccurate.
No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this site. To the extent any third party opinions or information are included on this site, they are provided for convenience only and Insurance Clinic or CriticalInsurance.com assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose. Insurance Clinic or CriticalInsurance.com may utilize third party service providers to provide certain tools and/or programs, some of which may be housed on a third party server or on a site which has been independently developed by others. As such, while accessing this site you may be linked to such other third party servers. Access to other sites or use of any third party tools or programs on this site are subject to all terms and conditions found therein.
This site, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of Insurance Clinic. Further, any or all of the services on this site may change at any time, with or without notice to you.
This site has been developed by and is the property of Insurance Clinic. All information and materials contained on this site are protected by copyright, trademark and/or other intellectual property laws of Canada and other countries, and are the property of their respective owner(s). Subject to the limited license to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Insurance Clinic. Any infringement of the rights of Insurance Clinic may result in appropriate legal action.
While the information posted on this site is believed to be reliable and accurate at the time of posting, Insurance Clinic or CriticalInsurance.com does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified, error-free or fit for any purpose. Nothing on this site forms a contract, or a part of any contract, other than as it relates to the use of this site or as may be expressly provided. In the event of a conflict between the information contained on this site and the terms contained in any product or service offered by Insurance Clinic or CriticalInsurance.com or a third party, the terms contained in any document detailing such product or service will prevail. Neither Insurance Clinic or CriticalInsurance.com, nor any third party, make any representations or warranties, express or implied, regarding the usability or condition of this site, that this site will operate uninterrupted or error-free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure. Insurance Clinic or CriticalInsurance.com expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade. You assume full responsibility for risk of loss of any nature whatsoever resulting from your use of this site. Without limiting the generality of the foregoing, you acknowledge and agree that none of Insurance Clinic or CriticalInsurance.com, its affiliates, or any third party, or any of their respective directors, officers, employees or agents shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of Insurance Clinic or CriticalInsurance.com or for any direct, indirect, special or consequential damages, even if Insurance Clinic or CriticalInsurance.com has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
Access or use of sites to which links are provided and of sites that link to this site are subject to the terms and conditions of such sites. You are fully responsible for any use that you make of the content contained on such sites and you are solely responsible for the consequences of any use of or reliance on such content. Links to such sites that are not maintained or controlled by Insurance Clinic or CriticalInsurance.com are provided for convenience only. Insurance Clinic or CriticalInsurance.com provides you with access to this site through the networks of third party telecommunications providers and through other suppliers and third parties. Insurance Clinic or CriticalInsurance.com assumes no responsibility for security of your facilities or networks, nor for unauthorized access to such facilities or networks. In all cases, you are responsible for determining and establishing secure network access configurations. Insurance Clinic or CriticalInsurance.com, its affiliates, and each of their respective directors, officers, employees and agents, shall not be liable for any inability, failure or mistake related to any security breach or identification of such breach or any loss that results from the transmission of confidential or sensitive information over the Internet. If any of these terms and conditions are determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability attaches only to such term or condition and all other terms and conditions shall continue in full force and effect.