Legal Information

Welcome to withyouinsurance.ca / withyouinsurance.com / wyins.ca (the “Site”), owned and operated by WithYou Insurance Inc.

We provide you with access to this Site subject to the following terms and conditions of use (“Terms and Conditions”). PLEASE READ THESE TERMS AND CONDITIONS AND THE PRIVACY POLICY CAREFULLY BEFORE USING THIS SITE. By accessing this Site you agree to accept these Terms and Conditions. If you do not agree to these terms, please do not use this Site. If at any time the Terms and Conditions are no longer acceptable to you, you should immediately cease use of this Site.

Trade-mark and Copyright Notices

The material on this Site, including all content, site design, text, graphics, and the selection and arrangement thereof (the “Content”), are protected by copyright and other intellectual property laws, including the copyright laws of Canada and/or other countries. The Content is owned and controlled by WithYou Insurance Inc. and/or its licensors.

“WITHYOU”, "WITHYOU INSURNACE" and related trademarks are trademarks of WithYou Insurance Inc. and/or its affiliated entities, and are used under license.

Restrictions on Use

Except as expressly provided in these Terms and Conditions, the Content of this Site may not be modified, reproduced, published, posted, transmitted, sold, or distributed in any way without the written permission of WithYou Insurance Inc. Use or modification of the Content for any purpose other than expressly provided for by these Terms and Conditions (including use of any such material on any other website or networked computer environment) is a violation of intellectual property rights and other proprietary rights. Any use or modification of the Content, in whole or in part, for any other purpose is strictly prohibited.

You are granted permission to electronically copy and print hard copies of the Content for your personal, non-commercial use only. You agree that any copy of the Content which you make shall retain all copyright and proprietary notices in the same form and language as the original.

No links to this Site may be created without prior written consent of WithYou Insurance Inc.

Disclaimers

No Warranty — This Site is presented on an “as is” and “as available” basis only without warranties of any kind, either express or implied. WithYou Insurance Inc. does not warrant that the information accessible on this Site or via this Site is accurate, complete, or current. Although every effort is made to keep this Site up to date, information contained in this Site, including without limitation quotes, rates, and fees, is not guaranteed to be current, accurate, or complete, and is subject to change without notice. Changes to the information, products, or services described in this Site may be made without updating this Site to reflect such changes. In addition, WithYou Insurance Inc. does not warrant that the functions contained on this Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or server that makes it available is free of viruses or other harmful components.

No Offer or Advice — INFORMATION OR DATA CONTAINED IN THIS SITE IS FOR INFORMATION PURPOSES ONLY. The information on this Site is not intended to provide specific advice regarding your personal insurance, investment, financial, legal, accounting, trading, or tax situation and should not be relied on as such. It is not a recommendation, offer, or solicitation to purchase or sell any product or service. Many of the products, services, and financial instruments mentioned on this Site involve risk. You are advised to seek professional advice before acting on any information or materials provided on this Site. Use of this information is at your own risk.

No U.S. Offer, Solicitation or Sales — THIS INFORMATION IS NOT TO BE CONSTRUED AS AN OFFER TO SELL OR SOLICITATION TO BUY ANY PRODUCTS IN THE UNITED STATES OR ITS TERRITORIES OR POSSESSIONS.

No Reliance on Forward-Looking Statements — This Site may include forward-looking information about operations, objectives, and expected results. Such statements are subject to uncertainties including legislative or regulatory changes, competition, technological developments, and economic conditions. Actual results may differ materially from those expressed or implied. You agree not to unduly rely on such forward-looking statements.

Local Laws — Certain products and services may not be available in all locations. Products and services may only be sold through licensed companies and individuals in jurisdictions where the product is legally offered. Accessing this Site is your responsibility, and you must comply with applicable local laws.

No Relationship — Your use of this Site does not create any legal relationship between you and WithYou Insurance Inc. or its affiliates.

Limitation on Liability

You agree that WithYou Insurance Inc., its affiliates, directors, officers, shareholders, employees, and representatives (the “WithYou Parties”) shall not be liable for any damages of any kind, including indirect, special, incidental, consequential, punitive, or exemplary damages (including loss of profits, data, or other economic loss) arising from the use or inability to use this Site or its Content. The total liability of the WithYou Parties shall be limited to ten Canadian dollars ($10.00 CDN).

Indemnity

You agree to indemnify and hold harmless WithYou Insurance Inc., its affiliates, directors, officers, shareholders, employees, representatives, agents, licensors, and licensees from any claims, demands, actions, losses, or expenses (including legal fees) arising from your breach of these Terms or violation of any law or third-party rights. WithYou Insurance Inc. may assume the defense of any such claim at its own expense.

Third-Party References and Links

References to third-party products or services are not endorsements or approvals. This Site may include links to third-party websites, provided as a convenience. Inclusion does not imply endorsement or approval, and access to linked websites is at your own risk. WithYou Insurance Inc. is not responsible for availability, accuracy, or reliability of linked websites.

Privacy Policy

WithYou Insurance Inc. respects your privacy. Please review our Privacy Policy, which is incorporated by reference into these Terms.

Changes to Terms and Conditions

WithYou Insurance Inc. reserves the right to modify these Terms at any time. Changes may be posted on this Site or communicated by other means. Your continued use of this Site constitutes acceptance of the revised Terms.

General

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any disputes arising under these Terms shall be resolved exclusively by the courts located in Alberta. If any provision is deemed unlawful by a court of law, it will be severed without affecting the validity or enforceability of the remaining provisions.

These Terms constitute the entire agreement between you and WithYou Insurance Inc. regarding this Site and supersede all prior agreements regarding the subject matter herein.