June 5, 2009

IMPORTANT! YOUR ACCESS TO THIS WEB SITE IS SUBJECT TO LEGALLY BINDING TERMS AND CONDITIONS. PLEASE READ ALL THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE CONTINUING. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, DO NOT ACCESS THIS WEBSITE.

1. Use of This Website

This website is the property of the Assurart Inc. (hereinafter the “Site Owner”).

Material on this website may not be copied, reproduced, republished, downloaded, posted, framed, transmitted, distributed or modified, in whole or in part, whether in text, graphic, audio, video or executable form, without the prior written consent of the Site Owner. The use, reproduction or dissemination of information or data obtained from this website is prohibited, except as provided for herein. Any other access to this website and any other use, reproduction or dissemination of information or data obtained from this website is prohibited. You are responsible for ensuring that your access to this website is legal.

All products and services offered on this website are subject to the terms of the corresponding agreements.

2. Exclusion of Warranties

The Site Owner makes no warranty that this website will be continuously available, that it will meet your requirements, that there will be no delays, failures, errors, omissions or loss of information transmitted, that no virus or other contaminating or destructive component will be transmitted and that no damage will be caused to your computer system.

The information and materials on this website are of a general nature only. They are not intended to serve as specific technical, financial, tax, legal, business or accounting advice and should not be regarded as such. Furthermore, they do not constitute an official version of Assurart Inc. ’ or its insurers’ information documents, and they may not be the most recent information or materials. The Site Owner may modify the content of the website at any time.

Assurart Inc. is not an insurer. The coverage provided to you is governed by the terms and conditions of the insurance policy as issued by the insurer, not Assurart Inc. . If there is discrepancy between information provided on this site and the insurance policy, the insurance policy shall control. Electronic forms and on-line quotes are not insurance contracts. No protection can be deemed in effect as long as the insurer has not emitted the insurance policy.

3. Limitation of Liability

The Site Owner and its directors, officers and employees shall not be liable to you or any third parties for any claim, loss, cost, expense or damage whatsoever, including any direct, indirect, incidental, special, consequential, and exemplary or punitive damages arising out of or in connection with this website, the content contained therein or the access to or use thereof. Without limitation and notwithstanding anything to the contrary, the Site Owner and its directors, officers and employees shall not be liable to you or any third parties for any claim, loss, cost, expense or damage arising out of or in connection with:

1. failure of performance, delays, interruptions, communication line or system failures, including communication malfunctions that affect the transmission, accuracy or timeliness of information, material, messages or instructions between you and the Site Owner and/or that prevent information, material, messages or instructions from being transmitted in whole or in part;
2. your inability to access, at any time, any part of this website or any content, products or services provided on it;
3. interception, loss or disclosure of confidential or sensitive information transmitted over the Internet, including personal information;
4. lack of suitability, reliability, timeliness or availability of this website or any content, products or services offered on this website; or
5. the Site Owner’s failure to take corrective measures.

Your sole and exclusive remedy is to discontinue using and accessing this website. If any part of this limitation is not permitted in the jurisdiction to which you are subject, that part shall not apply.

These limitations and exclusions apply even where the Site Owner has been notified of the possibility of such claim, loss, cost or damage.

4. Ownership and Confidentiality

Material on this website, including but not limited to text, images, illustrations, software, audio clips, video clips and any tools available on this website, as the case may be, is owned or otherwise provided by the Site Owner, and the Site Owner does not represent or warrant that such material does not infringe the rights of any other person or entity. Trade-marks, logos and service marks (collectively, “Marks”) displayed on this website are registered or unregistered Marks of the Site Owner or third parties which are the property of their respective owners and may not be used without written permission of the owner of the Marks concerned. Any information or material contained on this website that may be reproduced pursuant to these terms must bear the proprietary rights notices that originally appeared on or in conjunction with such information or material.

5. Links

This website may contain links to other websites. Such links and references to other sites are provided to you as a convenience only. The Site Owner has not reviewed and does not expressly or implicitly endorse other websites or any information or material accessible via such links or guarantee that same will be accessible, nor does it assume any responsibility for these other websites, any information or material posted thereon or any products or services offered thereon. You may not create links from other websites to this website, unless expressly permitted by the Site Owner. (To obtain such permission, please contact our administrator at info@assurart.com.)

6. Applicable Law

These terms and conditions shall be governed by the laws of the Province of Quebec and the applicable laws of Canada, without reference to conflict of laws principles. You agree to be bound by such laws.

7. Modification of These Terms

The Site Owner may modify, alter or otherwise update the terms and conditions applicable to this website from time to time, without notice, and you agree to be bound by the terms and conditions in effect at the time you access this website. The date of the last modification will appear at the top of the Legal Notice. You undertake to review the terms applicable to this website each time you access and use this website and you agree to be bound by the terms of use that are in effect at that time. Your access and use of this website constitutes irrefutable proof of your consent to be bound by these terms and conditions.