Terms & Conditions of Use

You must read this notice before using this web site.

Exclusion of Warranties: FutureBright Insurance makes no representation or warranty regarding the functionality, the good working order of the functionalities of the website, or condition of this website, its suitability for use, or that its use will be uninterrupted or error-free. ALL MATERIAL OR INFORMATION ON THIS WEBSITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTIES OF ANY KIND. SITE OWNER AND ITS LICENSORS DISCLAIM ALL WARRANTIES OR CONDITIONS, WRITTEN OR ORAL, STATUTORY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. The information and materials on this website are not intended to provide specific technical, financial, tax, legal, business, accounting or other advice for your individual circumstances, and you should consult your own professional advisors to determine how any information or materials provided on this website apply to your individual circumstances. If you are seeking advice regarding insurance products, you must consult an authorised professional, as an independent broker, who will advise you on your personal situation. These exclusions are in addition to any specific exclusion otherwise provided in these terms and conditions. To the extent that the jurisdiction to which you are subject does not allow exclusion of certain warranties, such exclusions which are not permitted do not apply.

Limitation of Liability: Neither FutureBright insurance group inc. and its licensors, nor any of its employees, suppliers, directors, officers or affiliated companies or participating insurance suppliers, nor any other party involved in creating, producing, or delivering this website, shall be liable for any loss, harm, or damages, either direct or indirect, incidental, special or consequential, howsoever caused, to any person for  use of or inability to use material from this website, products or services of any kind, delay of or partial delivery, termination of rights or loss of profits, data, business or goodwill, whether on a contractual or extra contractual basis, or to provide indemnification or any other remedy to you or any third party. Your sole and exclusive remedy is to discontinue using and accessing this website. To the extent that the jurisdiction to which you are subject does not allow any part of such limitation, such part does not apply.

Ownership and Confidentiality: Content on this website, including but not limited to text, images, illustrations, software, audio clips and video, Trademarks, logos and service marks, either registered or unregistered, is owned or otherwise provided by FutureBright Insurance or others, which are the property of their respective owners protected under the laws of Canada and other countries, and may not be sued without written permission of the owner of such content. FutureBright Insurance reserves all rights in the contents of the website and does not represent or warrant that all the material mentioned above does not infringe the rights of any other person or entity. You acknowledge that information or material which you provide electronically through your access to or usage of this website is not confidential or proprietary, except as may be required under applicable law, and acknowledge that

unprotected e-mail communication over the Internet is subject to possible interception, alteration or loss. Any which may be reproduced pursuant to these terms must bear the proprietary rights notices which originally appear on or in conjunction with such information or material.

Terms of Delivery, 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.

Accuracy of Information: FutureBright Insurance may update the information or materials on this website from time to time without notice. FutureBright Insurance Group Inc. (“We” “Us” “Our”) attempts 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.

Links: Links and references to other websites are provided to you as a convenience only. FutureBright Insurance may provide links to certain websites without any warranty or representation with regard to the products or services, which may be advertised or promoted at those sites. FutureBright Insurance has not reviewed and does not expressly or implicitly endorse or promote in any way the information found or products or services sold on other websites or any information or material, or the accessibility thereof, via such links from this site, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon. You may not create links from other websites to this website, except if expressly permitted by FutureBright Insurance. (To obtain permission, contact us at admin@futurebright.ca )

Viruses, etc.: FutureBright Insurance does not represent or warrant that the information or materials accessed from or through this website will be uninterrupted or free of errors, defects, viruses or other harmful components, or that any such problems which are discovered will be corrected.

Damage to Others: You agree not to introduce into or through this website any information or materials which may be harmful to others. Among other things, you agree not to include, knowingly or otherwise, any error or defect in material or information which may, among other things, be a libel, slander, defamation or obscenity, or promote hatred or otherwise give rise to a criminal offence or civil liability on the part of any person or entity.

Reserve of Rights: All rights not expressly granted in these terms are reserved to FutureBright Insurance. Nothing contained in these terms shall be construed as conferring by implication, estoppels or otherwise any license or right under any copyright, patent, trademark or other intellectual right of Site Owner or any other person or entity.

Governing Law: FutureBright Insurance is located in Ontario and does not do business in all jurisdictions. Therefore, these terms shall be governed by the laws of the Province of Ontario, Canada and the applicable laws of the Canada without reference to principles of conflict of laws. You agree to be bound by such laws and to submit to the jurisdiction of the courts of the Province of Ontario in connection with the interpretation or application of these terms, 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. FutureBright Insurance makes no representation that materials on the website are appropriate or available for use in other locations.  Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Changes to Terms: FutureBright Insurance may modify, alter or otherwise update the terms applicable to this website from time to time, and you agree to be bound by such terms as are in effect at the time at which you access FutureBright Insurance's website. Notice of any changes will be given by posting notice of such changes on this web site. If you do not agree to any such change to these terms and conditions of use, you must immediately stop using this web site.

Survival: These terms and conditions apply while you are accessing the website and remain in effect thereafter, subject to section 11. In the event that this website is no longer accessible to you, the provisions set out in section 2, 3, 4 and 10 of these terms and conditions shall survive thereafter.

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.