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Privacy PolicyTerms and ConditionsImportant Information

FutureBright Care Navigator Inc. (“Care Navigator”) provides medical care co-ordination services which assist individuals in navigating the health care system and obtaining medical help. FutureBright Insurance Group (“FutureBright”) is a company related to Care Navigator. FutureBright distributes critical illness, accidental death and dismemberment, and long term care insurance.

CareNavigator and FutureBright (“we” “us” “our”) want to inform individuals about why we need their personal information and how and why we handle their personal information.
We obtain consent to the collection, use and disclosure of personal information, except where inappropriate. 
We state the purpose for which information is collected, used or disclosed at or before the time information is collected. 
When we do collect personal information, we collect only that personal information which is necessary. 
Typically information is collected, used and, if necessary, disclosed by us to process requests to obtain CareNavigator services or FutureBright`s related insurance products. 
From time to time we may request information from individuals that we indicate as being “optional”. This information is not required for insurance purposes but may allow us to serve individuals better and to offer our customers upgraded or additional products and services. An individual does not have to provide such optional information in order to obtain our products and services or any upgrades thereto. 
Organisations may provide us with lists, or they may communicate the availability of our products and services to their customer or members. These organizations are responsible for obtaining appropriate consent to the use or disclosure of personal information for this purpose. 
We do not sell our customer lists. However, information is shared between Care Navigator and FutureBright for marketing purposes. This sharing of personal information is optional. 
An individual may decline or revoke consent to the optional collection, use and sharing of personal information described above, by contacting us at the address set out below. 
We try to ensure that the information we collect and use is accurate, up-to-date, and as complete as possible. However, we rely on individuals to disclose all material information to us and to inform us of any changes. 

We do not retain personal information unless we need it. If you apply for a Care Navigator service or a related FutureBright insurance product, your personal information will be forwarded on to the service provider or insurer, as the case may be. We will not keep copies of this information other than the information you provide us to process service fees or premiums.

Individuals may request to access and correct personal information in our possession. An individual may make this request by writing to our Privacy Officer at the address set out below. We may charge a reasonable fee in advance for copying and sending information requested and to which there is a right of access.

Contacting Our Privacy Officer 
 
In the event of Questions about our privacy practices; 
A request to access or correct personal information; or
A request to decline or revoke consent to the collection, use or sharing of personal information for marketing purposes.
 
Write to: 
The President 
FutureBright Care Navigator Inc. 
260 Queen St W,4th Fl, Soho Center, Toronto ON M5V1Z8
 
Call Toll Free: 1-888-788-7233 
Email at: <A href='mailto:dmongelli@futurebright.ca'>admin@futurebright.ca</A> 
Additional Privacy Information Related to Using This Website We may collect information about the use of this website automatically. Details about the pages visited or downloaded, the Internet browser or computer operating system used and the address of the web site last visited may be collected. We may use this information to improve our website or the products and services we provide. 
 We may also use “Cookies” or similar information. A Cookie contains information created about a visit to a web site that is sent to a browser from a web server and stored on a computer`s hard drive. With the help of this type of information, we can improve our website and the products, services and information. Cookies can be erased from a hard drive or notice can be automatically received before a Cookie is stored with most Internet browsers. Browser instructions provide for more information on how to do this.

This page last updated: May, 2010

You must read this notice before using this web site. By accessing and browsing this web site you accept, without limitation or qualification, these terms and conditions. 
There may be changes, additions of deletions from all or any portion of these terms and conditions of use at any time. Notice of any changes will be given by posting notice of such changes on this web site. Your continued browsing following such notice signifies that you agree to and accept any changes. If you do not agree to any such change to these terms and conditions of use, you must immediately stop using this web site 
Accuracy of Information All information on this web site, including information relating to premiums is subject to change without notice. FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc. (“We” “Us” “Our”) attempt to ensure the accuracy and timeliness of material on this web site but do not provide any warranty or make any representation as to the accuracy or timeliness of the material on this web site. We assume no liability or responsibility for any errors or omissions on this web site. 
Ownership of Intellectual Property The contents of this Web site are the copyright of FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc. which is protected under the laws of Canada and other countries. We reserve e all rights in the contents of the website. 
Our trademarks are depicted on this web site. They are protected from copying or reproduction under copyright laws. We do not confer, by implication or otherwise, any license or right under any patent, trademark, copyright or other proprietary right. Any use of our trademarks is strictly prohibited. We reserve all rights. 
Linking We are not responsible for any sites linked to this Web site. Your linking to any sites from this Web site is at your own risk. By linking to a site or permitting a link to this Web site, we do not endorse the site operator or the content of the linked site. 
Disclaimer None of FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc. nor any of their employees, directors, officers or affiliated companies or participating insurance suppliers, nor any other party involved in creating, producing, or delivering this web site, shall be liable for any loss, harm or damage, including without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused, to any person as a consequence of, or arising out of, your access to, or use of, this web site or any material from this web site. 
We assume no liability or responsibility for any damage to you, your computer, or your other property, due to your access to, use of, or downloading of this Web site or any materials provided on this Web site. 
 Terms of Delivery and Payment;and Refund Policy Each insurance product or service offered on this site is subject to the Terms of Delivery and Refund Policy of the individual insurance carrier and/or service provider that manufactures the product or service. These Terms and Policies differ by Insurance Carrier or Service Provider. When purchasing, be sure to read the specific details relating to Terms of Delivery and Refund Policy of the product or service you wish to purchase. FutureBright will, however, refund any application within fifteen(15)days, if rescinded in writing. When possible, all refunds will be paid in the same methods in which they were originally purchased. 
Although efforts are made to secure the information your provide to us via this web site, complete confidentiality and security is not yet possible over the Internet. Such information may be intercepted, lost or altered. We do not encourage anyone to send information, including personal information, to it using unencrypted e-mail. You acknowledge that FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc., its agents, administrators, employees and affiliates are not responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk. 
Applicable Law and Jurisdiction You agree that the laws of the Province of Ontario, Canada govern any use of this web site and any issues which may arise with regard to this web site. You agree that the courts of the Province of Ontario shall have exclusive jurisdiction over all such claims and you agree not to challenge or contest the jurisdiction of such courts or to bring a suite or proceeding relating in connection with such claims other than in the courts of the Province of Ontario. 
Entire Agreement If any provision of this agreement is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions. 
This is the entire agreement between the parties relating to the subject matter.

Product Availability The products described in this Web site are available and intended only for distribution in Canada and only where they may lawfully be sold. The use of this Web site is restricted to persons currently resident in Canada. 
Significant Policy Provisions Many words used in and concepts depicted on this web site are defined terms or matters specifically dealt with in the policies and certificates of insurance to which this web site material relates. In all instances it is the terms of these policies and certificates which shall govern, including as to matters such as the scope of coverage or the outcome of any claim. FutureSafe is critical illness insurance. Critical illness insurance only pays a benefit if an insured person receives a specific diagnosis of a covered illness as specifically defined in the certificate of insurance. Like all insurance there are other limitations and exclusions which apply. You must read the attached certificate of insurance prior to enrolling. Further you should note the following about FutureSafe: 
Currency is CD$ for all products offered on this website: 
FutureSafe is group insurance with features that are different from other available individual products. In particular, you should note that the insurer can cancel the group policy in which case your certificate of insurance will terminate, upon notice being provided to you. At least 30 days advance written notice of termination will be provided to you at the address we have on file for you. 
The insurer can change premiums upon advance notice being provided to you, although no one insured person will be singled out for a rate change. Rather, premiums may be changed for the group based on the experience of all certificate holders. This flexibility is necessary as FutureSafe is a guaranteed issue product for policy amounts under $25,000 which is available at very competitive rates. “Guaranteed Issue” means that the insurer does not do any medical examination or medical review in determining if a person is eligible and any person who meets general eligibility criteria, such as age, will be accepted. Consequently, the ability to change rates is required should the initial low rates available not be sufficient to support the claims experience resulting from the group as a whole. 
It is important that you understand these highlights and all the terms and conditions of your coverage which are set out in your certificate of insurance. There are other limitations and exclusions which apply. You should read the certificate very carefully so you understand both the advantages and disadvantages of FutureSafe.
The Importance of the Information You Provide The insurer relies very heavily on the information and statements you provide in your application to enroll. Any material misrepresentation, including, but not limited to your age or that of your spouse shall render void any insurance certificate issued. You must complete your own application for insurance or that of your spouse. A failure to do so renders your insurance policy void. 
The Effective Date of Coverage Coverage comes into effect on the date we receive your application to enroll, but ONLY if you pay your first premium when due. You must continue to pay the applicable premium to continue to keep your insurance in effect. We will send you confirmation in the mail, if you don`t receive it, we did not receive your enrolment and you are not covered.
Replacing other Insurance FutureBright has some great features, like great rates and no medical examination for enrolment, however, FutureBright should not be purchased to replace existing insurance coverage you may already have in effect. You should not cancel other coverage you have in effect in order to replace it with FutureSafe without advice from an insurance advisor.Please call us toll free at 1-888-788-7233 or email us at <A href='mailto:dmongelli@futurebright.ca'>admin@futurebright.ca</A> for assistance. 
Information May Change All information on this web site, including product features and information relating to premiums is subject to change without notice.