Terms and Conditions

UV Insurance is committed to protecting all transmitted personal information as per its Privacy Policy. This policy not only meets the requirements of the Act Respecting the Protection of Personal Information in the Private Sector, but also outlines UV Insurance standards for the collection, use, disclosure and archiving of personal information. How your personal information is protected and your rights to access this information are also a subject matter in this policy.

A cookie is a small data file automatically stored on your computer while you are browsing various websites. As such, it is a piece of text stored locally that can be easily viewed and deleted. Cookies are used to customize the sites you visit according to your preferences and predictions made on what type of contents might be of interest to you.

Your browser preferences can be used to view and control the cookies that are stored on it.

Why does UV Insurance use cookies?

UV Insurance uses cookies for your convenience:

• to recognize you when you return to the website;
• to collect information about your use of the website;
• to enable the features of some services available on the website;
• to manage, monitor, protect and improve the website;
• to integrate third party services.

You can disable the use of cookies by adjusting the appropriate settings on your browser. However, please note that if you do this you may not be able to use the full functionality of this website.

For more information, please read our Cookie Management Policy.

To protect your personal information, all precautions are taken to ensure compliance with relevant legal requirements, including the Act respecting the protection of personal information in the private sector (Quebec), as amended by Bill 25, the Personal Information Protection and Electronic Documents Act (Canada), as well as recognized privacy practices.

You acknowledge and agree that you assume all risk arising from your access to or use of the portals and the website. To the fullest extent permitted by applicable law, UV Insurance, its affiliates, directors, employees, agents, successors and assigns, shall not, under any circumstances, be held liable for damage of any type whatsoever, including but not limited to loss of use, loss of profits or loss of data, whether in contract, tort or otherwise, arising directly or indirectly, from the use or operation of the website and portals, including any damage caused by or resulting from a user’s reliance on any information obtained through the website and portals, or resulting from any error, omission, interruption, deletion of files or emails, malfunctions, viruses, delay in operation or transmission or any failure of performance.

UV Insurance is committed to doing everything in its power to ensure the best possible access to UV Insurance portals. Overall, you accept and acknowledge that your use of the UV Insurance portals, including the information you provide, is under your sole and entire responsibility. UV Insurance cannot be held responsible and will not be liable to provide compensation for any direct or indirect loss resulting from the unavailability of the portals. In no event will UV Insurance be held responsible for any damage resulting from the loss, alteration or fraudulent use of data, the accidental transmission of viruses or other harmful contents, or from the attitude or behaviour of a third party. UV Insurance will not be held liable for (i) the unavailability of the website and portals (ii) misuse of the website and portals (iii) overload of the Internet (iv) malfunctions on mobile devices used by you, (v) force majeure or any other event beyond its control.

The services made available through the website and portals are provided to you “as is,” without warranties of any kind. To the fullest extent permitted under applicable law, UV Insurance disclaims all warranties, whether express or implied, including warranties as to non-infringement, accuracy of content and freedom from error. UV Insurance may update its website and portals without prior notice to users. Although UV Insurance strives to ensure that the information presented on its website and portals is complete and accurate, UV Insurance does not guarantee that such information is free of errors, omissions and inaccuracies.

UV Insurance does not guarantee the absence of bugs, inaccuracies, errors, or other harmful elements. The UV Insurance website and portals depend on the mobile and Internet network to function. UV Insurance declines all responsibility in case of unavailability of the network or problems linked to operating systems. No right to compensation is granted under this paragraph. UV Insurance reserves the right to cease, without notice, without compensation and at its sole discretion, permanently or temporarily, to provide all or part of the functionalities of its website and portals.

By using our website and portals, you agree to defend, indemnify, and hold harmless UV Insurance, its affiliates and affiliates, and their respective officers, agents, directors, employees, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) and amounts paid in settlement arising out of or related to your use of the website and portals, or your violation of the Terms and conditions or the rights of third parties. UV Insurance shall have the exclusive defence and control of any matter for which you have committed to indemnify UV Insurance and you agree to assist and cooperate with UV Insurance in the defence or settlement of any such matter.

The laws of the province of Quebec and the laws of Canada applicable therein shall govern the use of this website and the interpretation, validity and effect of these conditions, notwithstanding any conflict of laws, provisions or your domicile, residence or physical location.

You hereby consent and submit to the exclusive jurisdiction of the courts of the province of Quebec in any action or proceeding related to this website and agree not to commence any such action or proceeding except in Drummondville (Quebec), in Canada.

The information and data contained on this website are presented for information purposes only. Site use is subject to these conditions and to the applicable legislation. Therefore, as soon as you access the site, these conditions apply without further formalities.

If you do not agree to all of these conditions, please do not access or use this website.

UV Insurance is committed to protecting all transmitted personal information as per its Privacy Policy. This policy not only meets the requirements of the Act Respecting the Protection of Personal Information in the Private Sector, but also outlines UV Insurance standards for the collection, use, disclosure and archiving of personal information. How your personal information is protected and your rights to access this information are also a subject matter in this policy.

UV Insurance may, without prior notice, amend or otherwise update the terms and conditions applicable to its website and you hereby agree to be bound by the conditions in effect at the time you access this website.

It is your responsibility to check for possible changes made to these conditions.

This website contains links to other sites which are not managed or updated in any way by UV Insurance. These links are presented for information purposes only and are not to be construed as an endorsement by UV Insurance of the content of such sites. UV Insurance reserves the right to require removal or deletion of hyperlinks to its website.

UV Insurance, its directors, officers, employees and agents shall not be liable in any manner whatsoever for any loss or damage that may arise directly or indirectly from the use of this website, including special or consequential damages and damages to third parties. You agree that your use of this website and any site linked to it is entirely at your own risk.

In particular, but without limiting the generality of the foregoing, UV Insurance, its directors, officers, employees and agents shall not be liable for any damages that may result from any acts or actions taken in reliance on the information contained in this website or for any damages suffered as a result of the disclosure of personal or confidential information that is transmitted to UV Insurance over the Internet.

Without limiting the generality of the foregoing, UV Insurance does not warrant that:

• this website will meet your requirements;
• this website will be uninterrupted, free of delays, security breaches or errors; or
• any errors will be corrected.

No advice or information obtained by you, whether oral or written, from UV Insurance or through this website shall create any warranty not expressly stated in these terms of use.

This website is not intended to provide specific financial, medical, accounting, legal or tax advice. You should not rely on this website as a substitute for professional advice or independent research. UV Insurance does not provide legal or tax advice.

The calculator tools available on this website are not intended to provide advice of any kind, including, but not limited to, investment or tax advice.

You might not be eligible for some life insurance premium rates. Premium rates are being disclosed only for general information purposes and are subject to pricing and other requirements from UV Insurance. For more details on the plan corresponding to your personal needs, UV Insurance recommends that you contact an authorized sales representative.

Your use of the portal is also subject to the conditions set out herein. The provisions of the Privacy Policy apply to the personal information available on UV Insurance’s portal and website.

By using the online services, you acknowledge that the use of your email address and password, if applicable, constitutes your signature. You also acknowledge that checking a box or clicking on key words such as “OK,” “Send” and “Accept” or any other similar wording constitutes your acceptance and is legally binding on you.

When you purchase one of our products, a user account (the “portal”) is automatically created. When creating your portal, you agree to provide
UV Insurance with true and complete information as required by the questionnaire, and to update this information as necessary to keep it accurate at all times.

You are solely responsible for maintaining the confidentiality of your portal and any activity that occurs under your account.

If UV Insurance concludes that you have violated these Terms and conditions, UV Insurance reserves the right to suspend or terminate access to your account without prior notice.

UV Insurance cannot guarantee that unauthorized third parties will not defeat security measures or make wrongful use of any information you provide to UV Insurance through the website. You acknowledge that you provide your Personal Information at your own risk.

You may not use another person’s account, unless you have the account holder’s permission as their authorized agent.

UV Insurance reserves the right to change the Terms and Conditions of the portal and website at any time and without prior notice. You are fully responsible for all activities completed through your account associated with the portal and website. You must not disclose your login information to anyone or allow anyone to use your account. You must not connect to the portal or to the website by using someone else’s email address and password, and you agree that such a use would be a violation of the conditions of use.

Despite the security measures in place, you must remain vigilant when using the Internet. You must ensure that your login information used to access any part of the website is protected at all times.

You must notify UV Insurance immediately if you discover or suspect any unauthorized use of your login information to access the portal and the website or any other breach of security involving the portal or website.