TERMS AND CONDITIONS / LEGAL NOTICES
PLEASE READ THIS NOTICE CAREFULLY PRIOR TO USING THIS WEB SITE.

Master Policy

This web site is designed to outline the benefits for which you may be eligible and does not create or confer any contractual or other rights. All rights with respect to the benefits of an insured will be governed solely by the Master Group Policy issued by Industrial Alliance Pacific Insurance and Financial Services Inc. ("IAP") to the professional association in question. Premium rates may change on any policy anniversary in accordance with the terms of the Master Group Policy.

Acceptance of Conditions

By accessing and browsing this web site, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. Industrial Alliance Pacific Insurance and Financial Services Inc. ("IAP"), may at any time revise these Terms and Conditions by updating this posting. Visitors agree to be bound by such revisions, and should periodically revisit this page to review the current Terms and Conditions.

Information Accuracy

Although the contents of this web site are believed to be reliable when posted, IAP cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time to time without notice. Prior to acting upon any of this information, please contact your independent financial advisor to verify its accuracy.

Web Site Content

The information on this web site is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice. The information should not be relied upon in this regard.

Product Availability

The products and services referred to on this web site may not be available in all geographic regions. IAP's products and services are only available in provinces and territories of Canada and other jurisdictions in accordance with the local law and where they may be legally offered for sale. All products and services are subject to the terms, conditions and limitations of the applicable agreements.

Trademark and Copyright

All contents of this web site are the copyright of IAP and are protected under the copyright laws of Canada and other countries. All rights reserved. In addition, certain information on this web site may be copyrighted by others. The information on this web site shall only be copied for personal use and may not be reproduced, or distributed for any other purpose in whole or in part without the prior written permission of IAP. Any infringement of IAP's rights will result in appropriate legal action.

Hypertext Links

This web site may facilitate access by hypertext links to other worldwide web sites. These hypertext links are entirely independent of this web site and shall NOT in any manner be construed as any reflection on or any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this web site.

IAP has not reviewed the content linked to. The right to reproduce and use the content linked to is (1) subject to the conditions that the respective owners may impose, and (2) is at your own risk.

Privacy and Security

IAP attempts to maintain security efforts which are consistent with standard industry practice in Canada. However, complete privacy, confidentiality and security are not yet possible over the Internet. Therefore, IAP shall not be responsible or liable for any harm or loss which may be suffered by any party, resulting from the use, communication or transmission of any information, including private, confidential or sensitive information to or from this web site.

Email

IAP will not accept transactions or instructions by Internet Email messages, unless otherwise specified. However, questions of a general nature or inquiries may be communicated by Email messages. IAP discourages customers from sending confidential and personal information by Internet Email messages as the security of these messages cannot be guaranteed. Any person who chooses to send a message by Email does so at his or her own risk and IAP will not be held responsible for any damages or losses incurred as a result.

Any communication transmitted to us by electronic mail or otherwise or post becomes the property of IAP or its affiliates and may be used for any purpose. IAP is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.

Liability

IAP, its subsidiaries, parent company, affiliated companies, its officers, directors, employees or any persons associated with the creation of this web site, are NOT responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this web site including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused.

By accessing and browsing this web site, visitors agree that the laws of British Columbia and Canada apply to any issue that might arise with IAP regarding this site, and to settle such dispute in the courts of British Columbia.