Terms of Use

Please read the Terms of Use established by Square One Insurance Services Inc. (“Square One”) before using this website, www.squareoneinsurance.ca, (the “Website”). By using the Website, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the Website. Your continued use of the Website will constitute your acceptance of these Terms of Use, as may be modified by Square One at any time without notice to you. Please check this page regularly for updates.

Permitted use

All of the content in the Site is made available only for your personal, lawful, non-commercial use in connection with seeking insurance. Use of the Website by a competitor company or other non-consumer third party is prohibited.

Except as expressly mandated by law, you may not, without our prior written permission:

  1. post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Website; or
  2. engage in systematic retrieval of data or other content from the Website.

Copyrights and trademarks

Except as otherwise indicated, all materials in the Website, including without limitation the Square One logo and other Square One trademarks and service marks, are the property of Square One Insurance Services Inc. and are protected by international copyright and trademark laws, all rights reserved. You may use materials obtained from the Website for the permitted purposes set forth in these Terms of Use, provided that the following copyright notice appears in all copies of any downloaded or printed materials: “© 2017 Square One Insurance Services Inc. All rights reserved.” Any other use is prohibited.

Our products and services

The information and materials provided in the Website are intended for general reference only, and may not describe all of the terms, conditions, exclusions, and exceptions applicable to Square One’s products and services. All coverages are subject to the terms, conditions and exclusions of the insurance policies issued. Coverages and their availability may vary by province and your individual circumstances, and additional minimum coverage limits may be required in your province. The products and services offered in the Website are only available in the jurisdictions in which Square One is properly licensed.

Privacy and passwords

Square One values and protects the privacy of your information. Please review Square One’s Privacy Policy, as it contains important information relating to your use of the Website.

Some portions of the Website are protected and require a user identification code (“User ID”) and password for access. Unauthorized access or use of such portions of the Website is prohibited. You agree that you will notify Square One immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. For your protection, if Square One believes that any unauthorized access may occur or has occurred, Square One may terminate such access without prior notice to you. You also agree that Square One is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Third-party sites

At times, the Website may have links to websites hosted by other parties (“Third-Party Websites”), or such Third-Party Webites may have links to the Website. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by Square One of the Third-Party Websites. The Third-Party Websites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites. Square One does not verify nor make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Websites. You should read the privacy policies and terms of use agreements of all Third-Party Websites.

Disclaimer of warranties

All information, products, content and other materials in the Website, accessible from the Website, or in a Third-Party Website are provided “as is” and without warranties or representations of any kind, either express or implied. This means that Square One expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, Square One does not represent or warrant that:

  1. the operation of the Website will be error-free or uninterrupted;
  2. defects will be corrected;
  3. the Website, any emails sent by Square One, or the server that makes the Site available are free of viruses or other harmful devices;
  4. the Website will be available to you or that you will qualify for products or services offered;
  5. the materials in the Site will be accurate as of any particular date; or
  6. the products or services offered through the Site are available outside of the United States or in jurisdictions in which Square One is not properly licensed.

If you are in a state that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of liability

Square One shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if Square One has been advised of the possibility of such damages, which arises out of or relates in any way to:

  1. the Website, materials in the Website, or the inability to use the Website;
  2. any Third-Party Website, materials in any Third-Party Website, or the inability to use any Third-Party Website;
  3. any defect, omission, error, interruption, delay, or computer virus; or,
  4. except as a result of Square One’s gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data.

If you are in a province that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that Square One’s total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Website.

Jurisdiction, enforceability, and termination

These Terms of Use and your use of the Website are governed in all respects by the laws of the Province of British Columbia, without giving effect to any principles of conflicts of laws. Any dispute concerning the Website or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Vancouver, British Columbia.

In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to Square One by discontinuing all use of the information contained in the Website and destroying the materials you have obtained from the Website, including all related documentation and copies. Square One may terminate these Terms of Use and/or the products or services offered by Square One at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained in the Website and destroy the materials you have obtained from Square One, including all related documentation and copies. Square One is also entitled to terminate all or part of the Website at any time, without notice to you.

These Terms of Use state the entire agreement with regard to the items discussed above.