Website Terms and Conditions of Use

Please read these website terms and conditions of use carefully. You must agree to accept the terms and conditions outlined in this notice in order to access or use our website. Any visitor, user or any other person accessing our website hereby represents and warrants that they have the right, authority and capacity to legally enter into this Agreement and to comply with all of its terms and conditions. By accessing our website, you agree to be bound by these terms of use. If you do not agree to these terms, you must immediately cease use of this website.

1. Product and service information

Prudentia Insurance and Wealth Management Inc. (“Prudentia”) is a financial services firm in the brokerage of life insurance products and services. The products and services mentioned on the site:

• are subject to the terms and conditions of the contracts and policies applicable thereto and may be changed without notice;
• are offered only in Canada and only to Canadian residents, with the exception of Visitor to Canada travel insurance;
• may not be available in all regions of Canada. Advisors can only provide advice and distribute products and services in the province of residence if they are licensed there;
• does not constitute an offer to buy or sell products and services;
• should not be construed as legal or financial advice;
• are not intended to promote these products or services in other territories.

2. Reliability and modification of information

• The content of our site is as reliable as possible; however, we cannot guarantee that such information will be accurate, complete and current at all times
• We reserve the right to modify such information and data at any time without notice
• In the event of a discrepancy between the information published on this site and that contained in a contract, the information of the contract shall prevail
• Prudentia is not a financial or insurance institution and is not responsible for the services or products represented on this Site. Links from or to websites, including links to the Site, are for convenience only.
• We does not review or control, and is not responsible for, any websites linked from or to the Site, the content of those websites, the privacy practices of those websites, the third parties named therein, or their products or services. Linking to any other website is at your sole risk and Prudentia will not be responsible or liable for any damages in connection with such linking. In addition, Prudentia does not endorse or approve of any websites linked from or linking to the Site.

• We does not guarantee and makes no representations as to the accuracy, quality, currentness, validity or authenticity of any rates, terms or information related to financial or insurance products.

3. Copyright and content reproduction

The content of this site is protected by the copyright laws in effect in Canada and in other countries if applicable.

• Copying, reproducing, publishing or distributing any of the information found in this site, in whole or in part, is strictly forbidden
• It is possible, however, to copy, print or download information for non-commercial personal use as long as the said information has not been modified in any way and the source has been acknowledged

Our prior written authorization is required for any use other than specified by the terms above, failing which we shall take the appropriate legal action.

4. Personal information security

When you visit our website, you are generally in control of the quantity and type of information that you share with us. As a visitor, you can browse our site in order to find information without having to disclose personal information in any way.  When writing to us using the Contact Us form, do not send any confidential information such as Social Security Number.

5. Links to external sites

Our website may contain links to third-party websites that are not owned or controlled by Prudentia Insurance and Wealth Management Inc. and to which our security policy does not apply. We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third-party website that you may access by clicking on a link found on our site. By using our website, you expressly relieve us from any and all liability arising from your use of any third-party website. We encourage you to be aware when you leave our website and to read the terms and conditions and privacy policy of any website that we do not own and that you visit.

6 Experience-enhancing technologies used on our website

6.1 Cookies

Our website cookies are activated to simplify navigation, to improve your user experience and to track the sections of the site that you visit. While this allows us to personalize the content that you see when visiting our website, it does not allow us to collect your personal information. As a result, when you visit and interact with our website via your cellular telephone or web browser, electronic data is collected automatically. This type of information is considered to be non-personal information.

Non-personal information signifies data that could not potentially identify a specific individual and that we collect automatically when you access our website from your browser.

You may choose to deactivate cookies in your browser. If you choose to do so, however, you may not have access to certain functionality on our site.

6.2 Third-party monitoring and surveillance tools

We may employ monitoring and surveillance tools managed by third parties in order to improve the performance and functionality of our website. These tools gather only non-personal information pertaining to your use of our site. However, please note that these tools are designed and maintained by third parties that are not under our control. For this reason, we shall not be held liable for neither the type of information collected by these third parties nor for the manner in which they use and protect it. Please find below the third-party monitoring and surveillance tools that we may use:

• Adobe Analytics
  Adobe Analytics is a web data analysis tool provided by Adobe Systems Inc. The only personal data that Adobe Analytics collects are cookies and information relevant to site use. We invite you to consult their privacy policy at http://www.adobe.com/privacy.html.
• Google Analytics
  Google Analytics is a web analytics and reporting tool provided by Google Inc. (“Google”). Google uses the collected data to monitor and analyze the use of our website, to prepare activity reports and to share them with other Google services. Google can use the data gathered to define the context and personalize advertising from its own advertising network. We invite you to consult their privacy policy at http://www.google.com/intl/en/policies/privacy/. You may deactivate this tool by clicking on the following address: http://tools.google.com/dlpage/gaoptout?hl=en.
• Google AdWords conversion tracking
  Google AdWords conversion tracking is an analytics tool provided by Google Inc. that connects data from the Google AdWords Display network to the activities performed on our website. The only personal data that Google AdWords collects are cookies and website usage. We invite you to consult their privacy policy at http://www.google.com/intl/en/policies/privacy/.

6.3 Tools that allow content to be displayed from external platforms 

In order to improve the performance and functionality of our site, we may use tools that allow content to be displayed from external platforms. With these tools, not only can hosted content be viewed on external platforms directly from our site pages, it can also interact with them. If such a tool is installed, site traffic data can be collected for the pages for which the tool is installed, even if visitors don’t use it. Please find below a list of the tools that we may use so that content may be displayed from external platforms:

• Google Maps API
  Google Maps is an online mapping service provided by Google Inc. that allows our site to incorporate this type of content on its pages and in its applications. The only personal data that Google Maps API collects are cookies and website usage. We invite you to consult their privacy policy at http://www.google.it/intl/en/policies/privacy/.
• YouTube Video application 
  Youtube is an online video-sharing service provided by Google Inc. that allows our site to incorporate this type of content on its pages. The only personal data that YouTube collects are cookies and website usage. We invite you to consult their privacy policy at http://www.google.it/intl/en/policies/privacy/.

7.4 Heat Mapping tools 

We may employ Heat Mapping tools in order to pinpoint the parts of a page where visitors most frequently move over or click on with their mouse, which in turn allows us to identify how users interact with any given page. This type of tools allows us to control and analyze our site traffic and to monitor site user behaviour. This is the Heat Mapping tool that we may use:

• Crazyegg
  Crazyegg is a Heat Mapping service provided by Crazy Egg Inc. The only personal data that Crazyegg collects are cookies and website usage. We invite you to consult their privacy policy at http://www.crazyegg.com/privacy

6.5 Behavioural remarketing and targeting tools 

We may use tools that allow our site to learn, optimize and use advertising based on how visitors use our site. We do so by examining usage data with cookie usage. The information is then transmitted to our partners who manage behavioural remarketing and targeting. Please find below the behavioural remarketing and targeting tools that we may use:

• AdWords Remarketing
  AdWords Remarketing is a behavioural remarketing and targeting tool provided by Google Inc. that links our site activity with the Adwords Display network and Doubleclick cookies. We invite you to consult their privacy policy at http://www.google.com/intl/en/policies/privacy/. You may deactivate this tool by clicking on the following address: http://www.google.com/settings/ads/onweb/optout?hl=en.
• Remarketing with Google Analytics for Display advertising
  Remarketing with Google Analytics for Display advertising is a behavioural remarketing and targeting service provided by Google Inc. that links Google Analytics tracking and its cookies to the Adwords Display advertising network as well as to Doubleclick cookies. We invite you to consult their privacy policy http://www.google.com/intl/en/policies/privacy/. You may deactivate this tool by clicking on the following address: http://google.com/settings/ads/onweb/optout?hl=en.

6.6 Automatic reception of data

Your web browser or mobile device automatically sends us information, which includes the name of the website from which you accessed our site (if applicable) and the name of the website you visited after leaving our website. Furthermore, we also receive the IP address of your computer or the proxy server you use to access the Internet, your Internet supplier, your web browser, the type of mobile device you use as well as your operating system. We use all of this information to analyze user trends so that we may improve our web site.

6.7 Geolocation tools

Geolocation tools collect, use and share user location data in order to provide services based on user location. Most browsers and devices provide default deactivation tools for this functionality. If explicit permission has been granted, the user’s location data will be tracked by our site. The user’s geographic location is the only personal information collected by the application.

6.8 Email address and message sending management

Email address and message sending management allows for the maintenance of an electronic database of email addresses used to communicate with users via email. These services are used to collect data relative to the date and time that the message was read by the user as well as when the user interacts with the message, such as by clicking on a link found in the email message.

• JangoMail
  JangoMail is an email address and message sending management service provided by JangoMail. The only personal data collected by the JangoMail application are email addresses. We invite you to consult their privacy policy at https://www.jangomail.com/privacy-policy/.

6.9 Data gathering

We reserve the right to collect and use any non-personal data resulting from your use of our website and to gather this data for internal analysis in an effort to improve our website and services. At no time will your personal information be divulged or included in these data groupings.

7. Consent and virtual purchases

Our website terms and conditions of use and privacy policy govern all transactions made via our site and your participation in any contests. By making an online transaction, you agree to accept the terms and conditions outlined in these documents.

Obtaining a product or service can be subject to certain conditions. A request is thus subject to our approval or that of our company.

8. Loss and damage caused by our website content: limitations on our liability

We cannot be held responsible in any way for:

• Losses or damages that may arise directly or indirectly from the use of this site and the information contained therein
• Special or consecutive damages
• Third-party damages
• Damages that may arise from acts or deeds performed on the strength of the information contained on this site
• Damages suffered as a result of the disclosure of personal or confidential information that is transmitted to us via the Internet;
• Damages that may arise from the unauthorized reproduction or use of the information contained on this site
• Losses or damage that may arise directly or indirectly from your use of the information on this site, the goods or services available either on or through websites not owned by Prudentia Insurance and Wealth Management Inc.

9. Site access: interruptions, delays, failures and errors

The site is provided and accessible according to its availability. We do not guarantee that the site and its services can be used in a continuous or uninterrupted manner, that there will not be any delays, failures or errors.

10. Virus and other contaminating properties

We do not provide any guarantee against the transmission of viruses or other destructive or contaminating properties from our site to your computer system.

11. Applicable law

These website terms and conditions of use will be ruled and interpreted in accordance with the laws in effect in the province of Quebec, Canada, without regard to its conflict of laws provisions. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Quebec in any action or proceeding instituted under or related to this Agreement or your use of this website.

Our failure to assert any right or any provision under these terms and conditions shall not constitute a waiver of such right. If any provision of these terms and conditions is deemed invalid or inapplicable by law, the remaining provisions contained in these terms and conditions will remain in full force and effect. These website terms and conditions of use constitute the entire agreement between you and Prudentia Insurance and Wealth Management Inc. concerning our services and replaces any prior agreements between us relating to our website content.

12. Modification of Terms and Conditions of Use

We reserve the right to modify at any time the terms and conditions of use applicable to information contained and displayed on our website. In the event of a material change, we will provide at least thirty days notice before the new condition takes effect. We reserve the right, at our sole discretion, to determine what constitutes a material change. By using and accessing the site after such modifications have taken effect, you agree and accept to be bound by such modifications or revisions. If you do not agree to these new terms, you must immediately cease use of this website.

13. Disclaimer

You agree that your use of the Site shall be on an “as is” basis entirely at your risk.

NO REPRESENTATIONS, CONDITIONS, WARRANTEES OR GUARANTEES ARE EXPRESSED OR CAN BE IMPLIED REGARDING THE SITE OR THE SERVICES OR THEIR USE, INCLUDING WITHOUT LIMITATION ANY REPRESENTATIONS, CONDITIONS, WARRANTEES OR GUARANTEES AS TO DESCRIPTION, CONDITIONS, FITNESS FOR PURPOSE, QUALITY, QUANTITY OR MERCHANTABILITY OR AS TO ANY OTHER MATTER WHATSOEVER. YOU EXPRESSLY WAIVE ALL SUCH EXPRESS OR IMPLIED REPRESENTATIONS, CONDITIONS, WARRANTIES AND GUARANTEES.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO REPRESENTATIONS, CONDITIONS, WARRANTIES OR GUARANTEES ABOUT THE ACCURACY, COMPLETENESS OR TIMELINESS OF ANY MATERIAL ON THE SITE OR ABOUT CONTINUOUS OR SECURE ACCESS TO OUR SITE OR SERVERS.

Prudentia may make available certain information provided and related to THIRD PARTY INSURANCE PRODUCTS OR SERVICES (the “INSURANCE Information”). The INSURANCE Information is provided for educational and information purposes only and should not be interpreted as a recommendation for a specific plan, product or course of action. Use of this Site and the services does not replace careful review of insurance policies or consultations with qualified insurance, financial or other relevant professional. In addition, insurance policies are frequently updated and changes rapidly and therefore, some of the INSURANCE Information may be out of date. You agree that all risk associated with the use of, or reliance on, any of the INSURANCE Information rests with you. You further agree that Prudentia shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any such INSURANCE Information.

NEITHER WE NOR OUR AFFILIATES NOR THEIR RESPECTIVE EMPLOYEES, DIRECTORS, SHAREHOLDERS, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS, IF ANY, WILL BE LIABLE FOR DAMAGES OF ANY KIND ARISING OUT OF OR FROM THE USE OF THE SITE or the services. THIS LIMITATION SHALL APPLY IRRESPECTIVE OF THE NATURE OF THE CAUSE OF ACTION, DEMAND OR ACTION, INCLUDING BUT NOT LIMITED TO, BREACH OF CONTRACT, NEGLIGENCE, TORT OR ANY OTHER LEGAL THEORY AND SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR FAILURE OF THE ESSENTIAL PURPOSE OF THIS AGREEMENT, OR ANY REMEDY CONTAINED IN THIS AGREEMENT.

IN NO EVENT SHALL THE FOREGOING BE LIABLE FOR INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR EXEMPLARY LOSSES, DAMAGE OR EXPENSES (INCLUDING BUT NOT LIMITED TO BUSINESS INTERRUPTION, LOSS OF PROFITS, LOST BUSINESS, OR LOST SAVINGS) EVEN IF THEY HAVE BEEN ADVISED OF THEIR POSSIBLE EXISTENCE.  THE ALLOCATIONS OF LIABILITY IN THIS AGREEMENT REPRESENT THE AGREED AND BARGAINED-FOR UNDERSTANDING OF THE PARTIES.

IF THE LAWS OF CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, THEN SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MIGHT NOT APPLY TO YOU.

14. All rights that were not explicitly set out in this legal notice are reserved.

 

If you have any questions about these terms of use, please contact us.