TERMS AND CONDITIONS / LEGAL NOTICES
PLEASE
READ THIS NOTICE CAREFULLY PRIOR TO USING THIS WEB SITE.
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Master Policy |
This web site is designed to outline the benefits for
which you may be eligible and does not create or confer any contractual
or other rights. All rights with respect to the benefits of an insured
will be governed solely by the Master Group Policy issued by Industrial Alliance
Pacific Insurance and Financial Services Inc. ("IAP") to the alumni
association in question. Premium rates may change on any policy anniversary
in accordance with the terms of the Master Group Policy.
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Acceptance
of Conditions |
By accessing and browsing this web site, visitors accept,
without limitation or qualification, the Terms and Conditions contained
below and all applicable laws. Industrial Alliance
Pacific Insurance and Financial Services Inc. ("IAP"), may at any time revise these
Terms and Conditions by updating this posting. Visitors agree to be
bound by such revisions, and should periodically revisit this page to
review the current Terms and Conditions.
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Information Accuracy |
Although the contents of this web site are believed
to be reliable when posted, IAP cannot guarantee this information to
be current, accurate or complete. The information is subject to modification
and updating from time to time without notice. Prior to acting upon
any of this information, please contact your independent financial
advisor to verify its accuracy.
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Web
Site Content |
The information on this web site is not intended to
provide professional advice including, without limitation, financial,
legal, accounting or tax advice. The information should not be relied
upon in this regard.
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Product
Availability |
The products and services referred to on this web site may not be
available in all geographic regions. IAP's products and services
are only available in provinces and territories of Canada and other
jurisdictions in accordance with the local law and where they may be
legally offered for sale. All products and services are subject to
the terms, conditions and limitations of the applicable agreements.
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Trademark
and Copyright |
All contents of this web site are the copyright of IAP and are protected
under the copyright laws of Canada and other countries. All rights
reserved. In addition, certain information on this web site may be
copyrighted by others. The information on this web site shall only
be copied for personal use and may not be reproduced, or distributed
for any other purpose in whole or in part without the prior written
permission of IAP. Any infringement of IAP's rights will result in
appropriate legal action.
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Hypertext
Links |
This web site may facilitate access by hypertext links to other worldwide
web sites. These hypertext links are entirely independent of this
web site and shall NOT in any manner be construed as any reflection
on or any affiliation with or endorsement of such site or entity or
its respective products, services or contributions to this web site.
IAP has not reviewed the content linked to. The right to reproduce
and use the content linked to is (1) subject to the conditions
that the respective owners may impose, and (2) is at your own risk.
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Privacy
and Security |
IAP attempts to maintain security efforts which are consistent with
standard industry practice in Canada. However, complete privacy,
confidentiality and security are not yet possible over the Internet.
Therefore, IAP shall not be responsible or liable for any harm or loss
which may be suffered by any party, resulting from the use, communication
or transmission of any information, including private, confidential
or sensitive information to or from this web site.
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Email |
IAP will not accept transactions or instructions by Internet Email
messages, unless otherwise specified. However, questions of a general
nature or inquiries may be communicated by Email messages. IAP
discourages customers from sending confidential and personal information
by Internet Email messages as the security of these messages cannot
be guaranteed. Any person who chooses to send a message by Email does
so at his or her own risk and IAP will not be held responsible for
any damages or losses incurred as a result.
Any communication transmitted to us by electronic mail or otherwise
or post becomes the property of IAP or its affiliates and may be
used for any purpose. IAP is free to use any idea contained in any
communication sent to us for any purpose whatsoever, including, but
not limited to, developing, manufacturing and marketing products using
such information.
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Liability |
IAP, its subsidiaries, parent company, affiliated companies, its
officers, directors, employees or any persons associated with the
creation of this web site, are NOT responsible in any manner whatsoever
for any harm, loss or damage that may arise in connection with or through
the use of this web site including, without limitation, any direct,
indirect, special, third party or consequential damages, howsoever
caused.
By accessing and browsing this web site, visitors agree that the
laws of British Columbia and Canada apply to any issue that might arise
with IAP regarding this site, and to settle such dispute in the courts
of British Columbia.
