Terms & Conditions Of Use

This is a legally binding agreement between you and Click Capital Corporation. You must read the terms and conditions of use set out below carefully before using this website. By accessing, browsing, subscribing to or otherwise using this website, you agree to comply with the terms and conditions of this agreement (the “Agreement”), as amended from time to time by the Company in its sole discretion. If you do not agree with any of the terms and conditions set out in this Agreement, do not use this website. 

APPLICATION

 This Agreement is applicable to www.clickcapital.ca, www.insurevue.ca, www.insurevue.com (collectively, the “Sites”), and other online services provided by the Company in conjunction with the Sites (collectively referred to, together with the Sites, as the “Service”). 

USER’S CONDUCT

a. You are solely responsible for the content of your transmissions in relation to the Service. b. You acknowledge that your use of the Service is subject to all applicable municipal, provincial, federal and/or international laws and regulations. c. You hereby agree: (i) to comply with applicable laws regarding the transmission of technical data exported from Canada through the Service; (ii) not to use the Service for illegal purposes; (iii) not to interfere or disrupt networks connected to the Service; (iv) to comply with all regulations, policies and procedures of networks with respect to the Service; and (v) not to use the Service for chain letters, junk mail, spamming or any use of distribution lists to any person who has not given specific permission to be included in such a process. d. You agree not to post and transmit through the Service any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature. You further agree not to post or transmit any material that encourages conduct that may constitute a criminal offence, give rise to civil liability or otherwise violate any applicable municipal, provincial, federal and/or international law or regulation. Attempts to gain unauthorized access to other computer systems used in connection with the Service are prohibited. e. You agree not to upload or permit others to upload any material that infringes the rights of others, or contains any virus or other content that may affect the Service, the network or any third party’s equipment or software. f. You agree not to violate the intellectual property rights of the Company or any third party, including but not limited to copyright, trade-mark, or other proprietary rights. g. You shall not interfere with any third party’s use and/or enjoyment of the Service. h. You acknowledge that the Company may, at its sole discretion, immediately terminate the Service in the event that your conduct fails to conform with the terms and conditions set out in this Agreement. i. You shall not upload, or permit others to upload, material to the Service if that material: (i) infringes or violates the rights of others; (ii) is, or may be perceived by the Company or other likely recipients as defamatory, deceptive, misleading, abusive, profane, offensive, or inappropriate; (iii) contains any virus or other content that may damage the Service, the network, or a third party’s equipment or software; or (iv) violates any laws, rules, or regulations of any governmental or other administrative organization having authority over the Service, the Company or any third party. j. You must be of the age of majority in your province or state of residence or older in order to use the Service. ANY ATTEMPT TO DELIBERATELY DAMAGE THE SITES OR ANY RELATED WEBSITE MAY BE A VIOLATION OF CRIMINAL AND/OR CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, THE COMPANY RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING BUT NOT LIMITED TO CRIMINAL PROSECUTION.

ACCOUNT, PASSWORD, AND SECURITY

Passwords on the Sites are secured using encryption technology. The servers hosting the Sites are protected by firewall hardware and software, and are physically located in secured facilities. You may be issued a user name and password (collectively, your “Account”) in order to access certain sections of the Sites and/or certain products and services available through the Sites. You are responsible for maintaining the confidentiality of your Account, and for all activities that occur through the use of your Account. You agree to: (a) immediately notify the Company of any unauthorized use of your Account or any other breach of security; and (b) ensure that you exit from your Account at the end of each session. The Company will not be liable for any loss or damage arising from your failure to comply with this section. You may be issued a new password or required to change your password from time to time in the Company’s sole discretion. 

SUBMISSIONS

You agree not to submit, publish, transmit, display, disseminate or otherwise communicate any libellous, defamatory, inaccurate, abusive, threatening, offensive or illegal material while connected to or otherwise using the Service. Transmission of such material shall constitute a material breach of this Agreement. The Company does not and cannot review every submission posted by users and is not responsible for, nor does it endorse, such submissions. You acknowledge that any submissions may be edited, removed, modified, published, transmitted and displayed by the Company or the administrators of the Service, in its and their sole discretion. You are solely responsible for the content of your submissions. By submitting content through the Service, you grant the Company and its affiliates a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and licence to produce, reproduce, publish, broadcast, communicate by telecommunication, exhibit, distribute, adapt and otherwise use and re-use such content, in whole or in part, throughout the universe in all media now known or hereafter devised. You represent and warrant that you have the lawful right and authority to grant the licence granted herein. You also authorize any user of the Service to access, display, and view such content for his/her personal use. 

FACTS, DATA AND INFORMATION

The facts, data and information provided by the Service are for informational purposes only. The Company cannot guarantee that such material is accurate, complete, or current at all times. The facts, data and information provided in relation to the Service is provided to you “as is” without warranties of any kind, expressed or implied, and is not intended to provide specific technical, financial, tax, legal, business, accounting, or other advice for your individual circumstances. The Company is not responsible in any manner for direct, indirect, special, or consequential damages however caused and/or arising out of the use of the Service. 

CONTENT ALERT

The Company neither endorses the contents of any third party communications or uploaded material, nor assumes responsibility for any threatening, libellous, obscene, harassing or offensive material contained therein, any infringement of third party intellectual property rights arising therefrom or any crime facilitated thereby. The Company reserves the right to delete content which it deems objectionable, but makes no claim to ensure that all objectionable or illegal content will be removed. You hereby consent to such removal and waive any claim arising out of such file removal. In addition, you acknowledge and agree that during the course of providing the Service, the Company may be required to grant access to a third party and/or decrypt files in response to any lawful subpoena or other form of legal compulsion. You hereby consent to such legal production and waive any claim arising out of such legal production. 

NO RESALE OR COMMERCIAL USE OF THE SERVICE

Your right to use the Service is personal to you. You agree not to resell the Service, without the express consent of the Company. 

OWNERSHIP OF PROTECTED MATERIAL

Except for public domain material, all content and material on and/or forming part of this website from time to time, including all text, information, links, icons, graphics, designs, audio, video, animation, logos, slogans, trade-marks, service marks and trade names, and the design and arrangement thereof, and all source code and software (collectively referred to as the “Protected Material”), are protected by copyright, trademark and other laws, and are owned or controlled by the Company or its licensors, unless otherwise indicated. All rights not expressly granted to you in this Agreement are reserved. The Protected Material may only be used for personal, non-commercial purposes, and may not be copied, produced, reproduced, published, broadcast, communicated by telecommunication, exhibited, distributed, transmitted, retransmitted, adapted or otherwise used or re-used, in whole or in part, without the express written consent of its owner. 

DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER LAW, THE COMPANY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, AND IMPLIED WARRANTIES AND CONDITIONS ARISING FROM THE COURSE OF DEALING OR COURSE OF PERFORMANCE. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITES OR THE SERVER THAT MAKES IT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR CORRECTNESS, TIMELINESS, OR USEFULNESS OF ANY OPINIONS, ADVICE, SERVICES, MERCHANDISE OR OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR THE INTERNET GENERALLY. IN NO EVENT WILL THE COMPANY BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU OR ANYONE ELSE IN RELIANCE UPON THE INFORMATION PROVIDED THROUGH THE SERVICE INCLUDING, WITHOUT LIMITATION, ANY INVESTMENT DECISIONS OR DECISIONS TO ENGAGE THE SERVICES OF ANY PARTICULAR WEALTH MANAGEMENT OR INVESTMENT FUND COMPANIES. Without limiting the generality of the foregoing, the Company shall have no responsibility or liability to you in connection with third party websites accessible by links posted on the Sites (each, a “Linked Site” and collectively, the “Linked Sites”). Access to any Linked Site is at your own risk and the Company is not responsible for the availability, accuracy or reliability of the contents of any Linked Site or any link posted on a Linked Site. The Company provides links to you only as a convenience, and the inclusion of a link does not imply endorsement of the Linked Site or any products, services, materials or statements contained or referred to thereon by the Company. 

LIMITATION OF LIABILITY

You agree that the Company and its subsidiaries, affiliates, directors, officers, employees, representatives, licensors and licensees shall not be liable to you for any damages of any kind arising from your use of the Sites, the Service , or any Linked Sites or your reliance on any Content. You agree that this limitation of liability is comprehensive and applies to all damages of any kind, including but not limited to direct, indirect, special, incidental, consequential or punitive damages. 

INDEMNITY

You agree to indemnify, defend and hold harmless the Company and its subsidiaries, affiliates, directors, officers, employees, representatives, licensors and licensees, from any damages, losses, costs and expenses (including legal fees), incurred in connection with any third party claim or demand alleging or based upon your breach of this Agreement or your violation of any law or the rights of such third party. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you hereunder, and you shall cooperate as fully as reasonably required by the Company. 

MODIFICATIONS TO THIS AGREEMENT

The Company reserves the right, in its sole discretion, to change, modify or amend this Agreement at any time. Your continued use of the Service constitutes an affirmative: (1) acknowledgment by you of the Company’s modifications; and (2) agreement by you to abide and be bound by the Company’s modifications. 

MODIFICATIONS TO THE SERVICE

The Company reserves the right, in its sole discretion, to modify, alter, update and/or discontinue the Service or any portion thereof, at any time, for any reason, and without notice. The Company shall not be liable to you or any third party should it exercise its right to modify, alter, update and/or discontinue the Service. 

NOTICE

The Company may broadcast notices or messages through the Service to inform you of changes to the Service, or other matters of importance. Such broadcasts shall constitute notice to you. 

GOVERNING LAW

This Agreement and your use of the Sites shall be governed and construed in accordance with the laws of the province of Ontario and the federal laws of Canada applicable therein, excluding the application of any rule or principal of conflict of law that might otherwise refer construction, interpretation, or the resolution of any dispute to the laws of another jurisdiction. Any dispute arising under this Agreement shall be resolved exclusively by the courts located in Toronto in the province of Ontario. You agree not to bring any legal action against the Company in any jurisdiction except the province of Ontario and you shall submit and consent to such jurisdiction. If any provision of this Agreement shall be deemed unlawful by a court of law, then the impugned provision shall be deemed severed and shall not affect the validity and enforceability of any remaining provisions. This Agreement constitutes the entire agreement between you and the Company in connection with your use of the Service. Your use of the Service is not intended and shall not be deemed to create any agency, joint venture or other legal relationship of any kind between you and the Company other than that of independent contractors.

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