PLEASE CAREFULLY READ THESE WEBSITE TERMS OF USE BEFORE USING THE BLUECOUCH INSURANCE SERVICES INC. WEBSITE. THESE TERMS OF USE ARE A BINDING CONTRACT THAT GOVERNS USE OF THE BLUECOUCH INSURANCE SERVICES INC. WEBSITE, EXEMPTS BLUECOUCH INSURANCE SERVICES INC. AND OTHER PERSONS FROM LIABILITY OR LIMITS THEIR LIABILITY, SPECIFIES THE JURISDICTION FOR RESOLUTION OF DISPUTES, AND CONTAINS OTHER IMPORTANT PROVISIONS. EACH TIME YOU ACCESS OR USE THE BLUECOUCH INSURANCE SERVICES INC. WEBSITE, YOU ACKNOWLEDGE AND SIGNIFY THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THE MOST CURRENT VERSION OF THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT ACCESS OR USE THE BLUECOUCH INSURANCE SERVICES INC. WEBSITE.

1. Your Acceptance of these Terms of Use

These Terms of Use are a legal agreement between you and BlueCouch Insurance Services Inc. (“Company”, “we”, “us” or “our”) regarding your access to and use of the Company’s insurance brokerage website located at www.bluecouchinsurance.com. The Website is the property of Company and its licensors. Each time you access or use any aspect of the Website, you signify your acceptance and agreement, without limitation or qualification, to be bound by the most current version of these Terms of Use. If you do not agree with these Terms of Use, you may not access or use any aspect of the Website.

2. Changes

Company may in its discretion change these Terms of Use at any time, without any prior notice to you, by posting the changed Terms of Use on the Website. The changed Terms of Use are effective immediately upon posting. It is your responsibility to check the “Last Updated” date at the top of these Terms of Use and review any changes since the last version. By using the Website after these Terms of Use have been changed, you signify your acceptance and agreement to the changed Terms of Use. You may not change, supplement or amend these Terms of Use in any manner.

3. No Professional Advice

The Website is for general informational purposes only, are not guaranteed to be accurate, complete or current, are not intended to be a comprehensive or detailed statement concerning the matters addressed, and are not professional advice or recommendations (including insurance products and services, or other professional or expert advice or recommendations). You should obtain appropriate advice suitable to your particular circumstances from a qualified professional advisor before acting or omitting to act on any information obtained on or through the Website. The Website is not an offer capable of acceptance, solicitation or recommendation to sell or buy any insurance product or service.

4. Permissible Users

The Website is intended for use by residents of Canada who are of legal age in their jurisdiction. By using the Website, you represent and warrant that you meet these eligibility requirements. If you are accessing the Website on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization or entity to these Terms of Use. The Website may not be used by an individual in jurisdictions where access to or use of the Website or any part of it may be illegal or prohibited. You may not use the Website if you breach these Terms of Use or if your permission to use the Website has been suspended or terminated by Company.

5. Permissible Use

The Website is made available to you for your lawful, personal, non-commercial use only. You may use the Website only for the purposes and in the manner permitted by the Website and subject to these Terms of Use and all applicable laws. Using the Website for any other purpose or in any other manner is strictly prohibited. The Website and its content may not be copied, reproduced, imitated, republished, translated, uploaded, posted, publicly displayed, transmitted, modified, indexed, catalogued, mirrored or distributed in any way, in whole or in part, for any purpose whatsoever, without the express prior written consent of Company. You may print Website pages for your personal, non-commercial informational purposes only, provided that you do not modify any of the pages or other content and you do not remove or alter any visible or non-visible identification, marks, notices or disclaimers.

6. Other Terms and Conditions

Additional terms and conditions and policies (collectively, the “Other Terms and Conditions”) apply to purchases of insurance products and services through the Website and to specific portions, features or services of or offered through the Website. The Other Terms and Conditions are incorporated into and form part of these Terms of Use. If there is a conflict or inconsistency between any Other Terms and Conditions and these Terms of Use, the Other Terms and Conditions will govern regarding the specific purchase, portion, feature or service to which they apply.

7. Insurance Providers

The Website may provide information about insurance products and services offered by various third party insurance providers. We act as an independent insurance broker and are not affiliated with any specific insurance providers. We do not guarantee the availability, terms, or suitability of any insurance product or service mentioned on the Website by insurance providers. Any quotes or estimates provided on the Website are for informational purposes only and are subject to verification by the insurance provider.

8. Ownership of Website

The Website and its content (including all text, graphics, interfaces, images, video, sounds, music, artwork, designs, computer code, data, and other elements available on or through the Website, and the design, structure, selection, arrangement and look and feel of those items and the Website as a whole) are owned solely by Company and its licensors, and are protected by Canadian and international copyright, trademark and other laws. Your use of the Website does not transfer to you any right, title or interest in, to or associated with the Website or its content.

9. Personal Information

By using the Website you consent to the collection, use, retention, disclosure and deletion of your personal information in accordance with Company’s Privacy Policy as amended from time to time and as otherwise permitted by applicable law.