Terms of Use


These terms of use (the “Terms of Use”) govern your use of all Websites owned and/or operated

by Petline Insurance Company, its subsidiaries and affiliates (hereinafter referred to as the

“Company” or “we”). “we”). For certainty, the websites to which these Terms of Use apply are

referred to individually as a “Website” and collectively as the “Websites”.



The information, material and content provided in the pages of the Websites, including pricing

information, (the "Information") is believed to be reliable when posted, but there is no guarantee

that it is accurate, complete or current at all times. Without limiting the generality of the

foregoing, the Information may include technical inaccuracies or typographical errors, and

neither the Company or its officers, directors, employees and agents have any obligation to

update the Information. The Information or the Websites may be changed, withdrawn or

terminated at any time without notice.

Changes may be made to the Terms of Use at any time without notice by updating this posting.

You agree to review the Terms of Use regularly, and your continued access or use of the

Websites will indicate your acceptance of such changes.


Availability of Products and Services

The products and services of the Company that are described, made available or provided on

the Websites may not be available in all regions of Canada, or to persons who are residents of

jurisdictions outside of Canada. The Company’s products and services are only available in

jurisdictions where they may be legally provided.

You may not be eligible for all products and services and the Company reserves the right to

determine such eligibility as permitted by law. Where noted, certain products or services may

be subject to specific terms, conditions, representations or agreements. In the event that the

Terms of Use are inconsistent with the terms of any agreement that you may have with the

Company with respect to the provision of a product or service, the terms of that agreement will



Insurance Products and Coverages

Any coverage descriptions provided on a Website are general descriptions of available

coverages and are not a statement of contract. To obtain coverage you must submit an

application, instruction or other request as required by the Company. All applications are

subject to acceptance by the Company and to underwriting approval, and may be declined by

the Company in its sole discretion. Coverages and availability may vary by province, and

additional minimum coverage limits may be available.

These terms of use (the “Terms of Use”) govern your use of all Websites owned and/or operated

by Petline Insurance Company, its subsidiaries and affiliates (hereinafter referred to as the

“Company” or “we”). “we”). For certainty, the websites to which these Terms of Use apply are

referred to individually as a “Website” and collectively as the “Websites”.

All insurance products and coverages are subject to the limitations and conditions in the

applicable policy or certificate of insurance in force at the time of purchase or enrollment and

applicable legislation. Product terms, conditions and exclusions not described on the Websites

may apply.

For certainty, nothing stated herein or on any of the Websites shall be construed to extend,

expand or modify the terms of any contract of insurance that exists or shall exist in the future.


Use of the Website

By accessing the Websites, you warrant and represent to the Company that you are legally

entitled to do so and to make use of the Information made available via the Websites.

Further, you represent, warrant and covenant that your use of the Websites shall not:

1. violate any applicable local, provincial, national or international law, statute, ordinance,

rule or regulation;

2. interfere with or disrupt computer networks connected to the Website;

3. impersonate any other person or entity, or make any misrepresentation as to your

employment by or affiliation with any other person or entity;

4. forge headers or in any manner manipulate identifiers in order to disguise the origin of

any user information;

5. upload, post, transmit, publish, or distribute any material or information for which you do

not have all necessary rights and licenses;

6. upload, post, transmit, publish or distribute any material which infringes, violates,

breaches or otherwise contravenes the rights of any third party, including any copyright,

trademark, patent, rights of privacy or publicity or any other proprietary right;

7. interfere with or disrupt the use of the Website by any other user, nor threaten or in any

manner harass another user;

8. upload, post, transmit, publish, or distribute any material or information which contains a

computer virus, or other code, files or programs intending in any manner to disrupt or

interfere with the functioning of the Website, or that of other computer systems;

9. use the Website in such a manner as to gain unauthorized entry or access to the

computer systems of others;

10. upload, post, transmit, publish or distribute any material or information that is unlawful,

give rise to other liability, or otherwise violate applicable law, or which may potentially be

perceived as being harmful, threatening, abusive, harassing, defamatory, libellous,

vulgar, obscene, or racially, ethnically, or otherwise objectionable;;

11. reproduce, copy, modify, sell, store, distribute or otherwise exploit for any commercial

purposes the Website, or any component thereof (including, but not limited to any

materials or any Information accessible through the Website);

12. use any device, software or routine to interfere or attempt to interfere with the proper

working of the Website; or

13. take any action that imposes an unreasonable or disproportionately large load on the

Website infrastructure.


Links / software

The Company makes no representations whatsoever about any other website which you may

access through the Websites. When you access an outside website, it is independent from the

Company and we have no control over the content on that website. In addition, a link to an

outside website does not mean that the Company endorses or accepts any responsibility for the

content, or use, of such website. It is your responsibility to take precautions to ensure that

whatever you select for your use is free of such items as viruses, worms, Trojan horses and

other items of a destructive nature.

Links from or to websites outside this Website are meant for convenience only. The Company

does not review, endorse, approve or control, and is not responsible for any websites linked

from or to the Company Websites, the content of those we sites, the third parties named therein,

or their products and services. Linking to any other we site is at your sole risk and the Company

will not be responsible or liable for any damages in connection with such linking.

Links to websites offering downloadable software are for convenience only and the Company

does not endorse any such software and is not responsible or liable for any difficulties or

consequences associated with downloading the software. Use of any such downloaded

software is governed by the terms of the license agreement, if any, which accompanies or is

provided with such software.


Trademarks & Copyright

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this

Website may constitute trade names, registered or unregistered trade-marks or service marks

("Trade-marks") of the Company. However, the display of Trade-marks on pages at this Website

does not imply that any license has been granted to any third party.

The Information on the Websites is for your personal use, and shall not be construed as

conferring any license or intellectual property right. Except when otherwise stipulated, the

Information may not otherwise be copied, displayed, distributed, downloaded, licensed,

modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative

work or otherwise used for public or commercial purposes without the express written

permission of the Company. Any unauthorized downloading, re-transmission, or other copying

or modification of trademarks and/or the contents of the Websites may be a violation of federal

or other law that may apply to trademarks and/or copyrights, and such actions could subject the

copier to legal action.


No warranties

The Company provides the Websites and the Information on an "as is, where is" basis and does

not make any express or implied warranties, representations, or endorsements with respect to

the Websites or the Information, including without limitation, warranties as to merchantability,

operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and

fitness for a particular purpose. Further, the Company does not represent or warrant that the

Websites will be available and meet your requirements, that access will be uninterrupted, that

there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or

loss of transmitted information, that no viruses or other contaminating or destructive properties

will be transmitted or that no damage will occur to your computer system. You have sole

responsibility for taking protection and backup of data and/or equipment and for taking

reasonable and appropriate precautions to scan for computer viruses or other destructive



Limitations of Liability

The Company is not responsible, and will not be liable to you or anyone else, for any damages

whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential,

exemplary or punitive damages) arising out of or in connection with the Websites or the

Information, your ability or inability to access or use the Websites or the Information, any action

or decision made by you in reliance on the Websites or the Information, any error, omission,

interruption, defect, delay in operation or transmission, loss of data or otherwise arising from the

Websites or the Information, or any unauthorized use or reproduction of the Websites or the

Information, even if the Company has been advised of the possibility of these damages.


Privacy Statement

The Company respects your privacy and has implemented a comprehensive privacy policy

available for your reference on each of the Websites (the “Privacy Statement”). Before

submitting any information, please review our Privacy Statement to see how it applies to you.


Information provided by you

You agree that any information or materials that you provide to the Company through the

Websites shall become the sole property of the Company, and may be used and/or disclosed by

the Company in accordance with the Privacy Statement. By providing such information and

materials, you declare and warrant that you have all necessary rights to submit such information

and materials and that the information and materials do not infringe the rights of third parties.


Electronic Communication via the Internet

The Company will use reasonable means to protect the security and confidentiality of electronic

information sent and received. However, because of the risks associated with electronically

transmitting personal information, Petline cannot guarantee the privacy and security of any

electronic communication to or from this site via e-mail or web interface. Use of email or web

interface to discuss sensitive information can increase the risk of such information being

disclosed to third parties. While all reasonable steps are taken to ensure the privacy and

security of information transmitted electronically and to preserve the confidentiality thereof, the

Company accepts no liability or responsibility whatsoever with respect to information sent or

received electronically that is incorrect, incomplete, intercepted, corrupted, lost, destroyed,

does not reach its intended destination, or contains harmful viruses. You should not

communicate with the Company via email or web interface without understanding and

accepting these risks.

In addition, any request for a change to an existing insurance policy or policy documents that is

emailed or sent electronically to the Company will not be effective until the Company

acknowledges receipt of such request.



From time to time, we may make contests available to users of the Websites and others. All

contests are governed by these Terms and Use and the applicable contest rules. By

participating in a contest through the Company Websites, you signify your agreement and

acceptance of these Terms of Use and the applicable contest rules.



These Terms of Use are governed by and construed in accordance with the laws of the

Province of Ontario and the laws of Canada applicable therein, without regard to the conflicts

of laws provisions thereof, and each party attorns to the jurisdiction of the courts therein.



These Terms of Use shall be deemed severable. In the event that any provision of these Terms

of Use is determined to be unenforceable or invalid, such provision shall nonetheless be

enforced to the fullest extent permitted by application law, and such determination shall not

affect the validity and enforceability of any other remaining provisions.