Read this notice before using this Web site. By accessing and browsing this Web site you acknowledge your assent to the following terms of use without limitation or qualification. These terms may be revised at any time by the updating of this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Product Information and Web site 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 and is intended for use only by insurance intermediaries and risk managers with appropriate knowledge of insurance products and terminology.

All information on this Web site, including quotations and information relating to premiums, is subject to change without notice. All dollar amounts expressed on this Web site, including but not limited to all amounts relating to premium, minimum premium, deductibles, policy and occurrence and retention limits, are expressed in Canadian currency.

Many terms used in and concepts depicted on this Web site are defined terms or matters specifically dealt with in the policies of insurance to which this Web site material relates. In all instances it is the terms of these policies which shall govern, including as to matters such as the scope of coverage or the outcome of any claim.

DISCLAIMER

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND AIG UNITED GUARANTY MORTGAGE INSURANCE COMPANY CANADA AND ITS AFFILIATES (COLLECTIVELY, "AIG") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AIG DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AIG DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT AIG) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY AIG. AIG IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY AIG OF THE WEBSITES OR THE CONTENT THEREOF.

LIMITATION OF LIABILITY

While AIG uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, AIG makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall AIG or any party involved in creating, producing, or delivering the Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if AIG or an AIG authorized representative has been advised of the possibility of such damages. In no event shall AIG's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site.

AIG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this Web site or your downloading of any materials, data, text, images, video, or audio from this Web site.

Restrictions on Use of Materials

This Web site is owned and operated by AIG. Except as otherwise expressly permitted by AIG, no materials from this Web site or any web site owned, operated, licensed or controlled by AIG may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your use only in connection with investigating or obtaining an insurance product from a member company of American International Group, Inc, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for any other public or commercial purposes, including the text, images, audio, and video without AIG's written permission. AIG neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties.

Jurisdictional Issues

Unless otherwise expressly set forth herein, AIG makes no representation that materials on this Web site are appropriate or available for use in any location. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this Web site is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by AIG. No security, insurance product or other product or service is offered or will be sold by AIG or, if sold by AIG, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Use of “Cookies”

A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a web site’s computer and stored on your computer’s hard drive.  This web site uses cookies to enhance the user experience and to enable complex business transactions through a browser.

If you disable cookies on your browser, the site and associated applications may no longer function as intended.

We may share cookie information with AIG member companies and third party business partners and service providers so that we can continue improving this site and the services available to you. We collect and share this information only in aggregated, non-personally identifiable format.

Ownership of Information

Any information, other than personal data or information, you transmit to AIG via this Web site, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of AIG. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIG via this Web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and Copyrights

All trademarks, services marks, trade names, logos, and icons are proprietary to AIG. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of AIG. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.

Images displayed on this Web site are either the property of, or used with permission by, AIG. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Software Licenses

You acknowledge that any software which may be available or provided to you on this Web site may contain technology that is subject to strict controls pursuant to export control laws and regulations of Canada , the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. AIG does not authorize the downloading or exportation of any software or technical data from this Web site to any jurisdiction prohibited by such export controls laws and regulations.

Amendment

AIG may change, modify, add or remove portions of these terms of use at any time. AIG will notify you of any changes to this Agreement by posting notice of such changes on this Web site. Your continued access and browsing following notice of such change means that you agree to and accept terms of use as amended. If you do not agree to any modification of these terms of use, you must immediately stop accessing and browsing this Web site.

Links

AIG has not reviewed any or all of the sites that may be linked to this Web site and is not responsible for any sites linked to this Web site. Your linking to any sites from this Web site is at your own risk. AIG has no control over other Web sites and is not responsible for the collection of your personal information that may be gathered on these other Web sites or their use of cookies or other tracking devices.  By linking to a site or permitting a link to this Web site, AIG does not endorse the site operator or the content of the linked site.

Applicable Law

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, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this Web site or material from this Web site. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

Severed Provisions and Entire Agreement

If any provision of this agreement pertaining to these terms of use 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 us and any users of this Web site.

Revision Date