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Disclaimer

TERMS AND CONDITIONS OF USE:
By using the VitalCheque.com website it is understood that you thereby signify your acceptance of these Terms and Conditions of Use. Should you for any reason not agree to all of these Terms and Conditions of Use, you will cease any further navigation of and interaction with the VitalCheque.com internet website and exit this internet website immediately.

The VitalCheque.com website is the property of Megacorp Insurance Agencies Inc., hereinafter referred to as Megacorp. Megacorp reserves the right to modify and update these Terms and Conditions of Use at any time.

AVAILABLE ONLY WHERE PERMITTED BY LAW:
The products and services described in this website may not be available in all jurisdictions and only constitute an offer or solicitation where permitted by law. Any use of this website or purchase of insurance from this website shall be governed by and construed in accordance with the laws of Canada.

More specifically, you understand and expressly agree that exclusive jurisdiction for any dispute with Megacorp, including insurance purchases, resides in the courts of the Province of Ontario, Canada and you further understand, agree and consent to the exercise of personal jurisdiction in the courts of the Province of Ontario, Canada in connection with any such dispute or claim involving Megacorp or its affiliates, subsidiaries, employees, contractors, officers, directors, content providers including third party advertisers and communication providers and other service providers. In the event that any provision contained in these Terms and Conditions of Use is determined to be invalid, then you understand and agree that such provision found to be invalid shall be severable from the other remaining provisions and shall therefore not affect the validity of the remaining provisions of these Terms and Conditions of Use, which shall remain in full force and effect.

SUBJECT TO APPLICABLE AGREEMENTS:
Any purchase of insurance from this website will be subject to the applicable laws and the terms and conditions of the contract coverage as issued by the insurer.

PRIVACY AND SECURITY:
Megacorp is committed to protecting your personally identifiable information. Online quotes are instantly available to you and are not monitored by Megacorp or its employees, affiliates or contractors. Unless you expressly give us permission to do so, or unless required by law, Megacorp does not willfully use or disclose personally identifiable information. Megacorp never resells, trades, leases or rents the personally identifiable information of our users to other companies.

Megacorp does not use "cookies", however, we may choose to do so in the future. Cookies are one or more small text files saved on your computer’s hard drive and stored in memory while your browser is running. Most web browsers automatically accept cookies, but you can change you browser’s settings to prevent that.

Although our security efforts are consistent with industry practice in Canada, your complete privacy, confidentiality and security is not yet possible over the internet and, therefore, cannot be guaranteed. As a result Megacorp shall not be responsible or liable for any harm or loss resulting from your transmission of any information to us. If you wish to make an application for coverage, you can fill in your application on screen; however, you must print it to be signed and then forward your completed application via mail or courier to megacorp. Use the reset button at the end of the application to clear the screen before logging off or exiting, to further protect your privacy. Remember the application cannot be submitted on line. It must be downloaded, or printed.

INFORMATION ACCURACY:
The VitalCheque.com website includes certain content which is provided from sources believed by Megacorp to be accurate; however, Megacorp makes no representations regarding the content of the website or the results to be obtained from use of the information from within the website in terms of timeliness, correctness, accuracy, reliability, or otherwise.

THE VITALCHEQUE.COM WEBSITE INCLUDING ALL CONTENTS ARE PROVIDED ON AN AS IS BASIS WITHOUT WARRANTIES OF ANY KIND:
In no event whatsoever shall Megacorp, its suppliers and licensors or any third parties mentioned in the website be liable for any damages, including without limitation, incidental or consequential damages, lost profits, or damages resulting from the loss of any data or business interruption, which may result from the use of or inability to use the VitalCheque.com website, any of the content contained on the website or linked by or to the VitalCheque.com website.

NO LIABILITY:
As Megacorp may accept and post advertising and other content from third parties and may further allow certain third parties to post subscriptions offers or registration services through the VitalCheque.com website, please note that in all such circumstances, Megacorp is in no way responsible for the actions or individual policies of such third parties and users are hereby informed that they should carefully check the individual privacy and other policies of all such third-parties prior to providing such third parties with any information of a personally identifiable nature. Further, such third parties will not at any time have access to any personally identifiable information entered and stored on the VitalCheque.com website.

This information is subject to change and update at any time without prior notice. Consult Megacorp for complete information about our products and services. The information provided on the VitalCheque.com website is not intended to provide you with legal, insurance or other advice and Megacorp shall not be responsible for any detrimental reliance you place upon this website or its contents.


INTELLECTUAL PROPERTY:

The contents of the VitalCheque.com website including but not limited to all text, graphics, images and certain aspects relating to the functionality of the website deemed by Megacorp to be of a proprietary nature (the "Intellectual Property") are protected by copyright and certain other forms of intellectual property protection and all such Intellectual Property is and shall at all times remain the sole and exclusive property of Megacorp throughout the world. None of the content or Intellectual Property relating to the VitalCheque.com website may be reverse-engineered, disassembled, decompiled, reproduced, transcribed, stored in a retrieval system, translated into any language including computer language, re-transmitted in any form or by any means (electronic, mechanical, photo reproduction or otherwise), resold or redistributed without prior written consent of Megacorp.

LINKS TO OTHER WEBSITES:
VitalCheque.com website provides direct links, paid or non-paid, to a number of other websites that we believe can offer you useful information and services. These links are provided solely as a convenience to you as a user of VitalCheque.com and such links should not in any way be construed as an endorsement by Megacorp of the content contained on such third party websites. Further, Megacorp is not responsible for the content of linked third part websites and makes no representations regarding the content or accuracy of information contained on such third party websites. Your access to any such third party websites by way of the active links to such websites as may be provided from and within the VitalCheque.com website is done solely at your own risk and further, your individual usage of any such third-party websites is subject to the individual terms and conditions of use of each website. Under no circumstances is Megacorp responsible for the privacy policies of or any actions of third parties who control the activities of such third party websites. We suggest you contact the relevant parties controlling these websites or access their online policies to obtain specific information regarding their data collection practices.

If you have any questions about this website, these conditions, or the products or services offered by Megacorp, please contact us at:

1(800) 387-9570

megacorp@vitalcheque.com