Legal matters
The protection of your personal information and the data you
submit is important to us. Procedures are in place to safeguard
your records and try to prevent unauthorized access.
Agreement regarding the use of the Godfrey - Morrow Insurance
and Financial Services Ltd. Web site.
The agreement contains the following sections:
Terms of Use
When you access the Web site of Godfrey - Morrow Insurance and
Financial Services Ltd.(hereinafter called "Godfrey Morrow"), you
accept and agree to be bound by and comply with these terms and
conditions (the "Terms and Conditions") described below as well as
at other locations on the Web site (hereinafter called "site").
Please take a moment to become familiar with the Terms and
Conditions. These Terms and Conditions may be changed at any time
without notice. You agree to review the Terms and Conditions
regularly and your continued access or use of the site will mean
that you agree to be bound by any such changes. If you do not
accept the Terms and Conditions, you should immediately discontinue
any use of this site.
The Terms and Conditions are of general application and shall be
read together with and as supplementary to any disclaimer, term, or
condition posted on the site.
If any provision of the Terms and Conditions is found to be
unlawful, void, or for any reason unenforceable, then that
provision shall be deemed to be severable from the rest of the
Terms and Conditions and shall not affect the validity and
enforceability of any remaining provisions.
Top of page
Interpretation
When it is appropriate for the interpretation of the text, a
word used in the masculine gender includes the feminine gender and
vice versa.
Access and use of this site are subject to all laws and
regulations applicable in the Province of Alberta. The products and
services described on the site are available in Alberta only. This
communication does not constitute an offer or solicitation by
anyone in any jurisdiction in which the distribution of products
and services by Godfrey Morrow is prohibited. Persons accessing
this site are required to obtain information about and observe any
relevant restrictions.
The terms, exclusions and conditions of the contracts relating
to products and services mentioned on this site are not necessarily
fully described. Their interpretation is governed by the terms and
conditions of the contract applicable to the insurance or financial
product purchased and by any applicable legislation. In case of any
discrepancy between the contract or the policy and the Web site,
the contract or the policy will apply.
Only residents of Alberta who can validly be bound by an
agreement under applicable laws can use this site. Individuals
residing in an area where the access to or use of the site or any
part of is illegal or prohibited are not permitted to use the site.
It is your responsibility to determine if you can legally use the
site in compliance with all applicable laws.
Top of page
Protection of personal
information/Privacy
The applicable provisions regarding management and protection of
personal information collected on the users of the site, as well as
provisions regarding the safety of data and communication can be
found in this section.
Top of page
Confidentiality
When you contact Godfrey Morrow in the context of your file,
either to obtain a quotation, buy an insurance policy, a financial
product or service, manage a claim or ask for advice, your
insurance broker must, occasionally collect certain information,
some of which may be personal information. By using this Web site,
you authorize us to collect, hold, use or communicate personal
information, as required, for the object of your file. Rest
assured, we respect the applicable laws with regard to the use of
your confidential personal information. Information transmitted to
us in the context of our business relationship is divulged only to
authorized personnel unless you authorize its release, the law
requires it, or we must use it in transacting business on your
behalf with insurance companies, financial institutions or
companies offering various products and services in the fields of
brokerage, investments, deposits and loans for the purpose of your
file.
Your information will not be sold by Godfrey Morrow. Our
procedures and systems are designed to protect your information
from error, loss and unauthorized access. At any time, you can
rectify any outdated or erroneous information or withdraw your
consent by contacting us in writing. From time to time, we may
contact you with respect to products and services offered or
recommended by Godfrey Morrow which are likely to meet your needs
in financial products and services.
Top of page
Information collected from the site
We may gather and store data on our site users' activities. This
is done on a collective rather than individual basis, so you can be
certain that your on-line activities are not "monitored". This
information is used to determine problems with our servers, to
manage the Web site and make it more user-friendly. Personally
identifiable information is neither required nor stored for further
use, unless you are actually entering information to submit to us
for inquiries or service. To that effect, please see the section on
Confidentiality.
Godfrey Morrow uses small data files (cookies) to help you
through the procedure required to obtain a quote or to purchase an
insurance policy on line. The cookies are used for your convenience
and do not contain or transmit any personal data. When you refuse
to accept cookies on your Netscape or Explorer browser, you will be
unable to obtain a quote or to purchase a policy on line.
Top of page
Use of your information
The law may require us to disclose certain information about you
to others without your specific authorization. There are also
circumstances in which your consent to disclose information is
deemed to have been given either expressly or implicitly. We might,
for example, need to release your information:
• to insurance support organizations for the
purpose of preventing or detecting fraudulent transactions;
• to claim adjusters for the purpose of settling a
claim;
• to law enforcement or regulatory agencies.
The above are only examples. Generally, such disclosures are
rarely made, if at all. It is our practice to provide only as much
information as is reasonably necessary to accomplish the intended
purpose.
Top of page
Security
You are responsible for the security and confidentiality of your
personal and financial information until actually received by
Godfrey Morrow. Once you have initiated an on-line session, it is
highly recommended that you do not leave the computer terminal from
which you have accessed the site until you have terminated the
session and have logged-off the site.
Godfrey Morrow does not warrant that any information, software
or other material accessible through one of their links to other
Web pages is free of viruses, worms, Trojan horses or other harmful
components. Without the use of encryption, communication through
the Internet or electronic communication is not secure and privacy
cannot be ensured.
Godfrey Morrow protects personal information using various
means: physical, organizational and technological in accordance
with the level of protection required.
Top of page
Password
Secure zones of the Web site may be accessed only by use of a
unique login name and password. The use of a password does not
restrict access by Godfrey Morrow and its Providers to the
password-protected information.
Login names and passwords may not be shared. For security
reasons, you must keep your login name and password confidential
and not disclose them to any person or permit any other person to
use them, except an authorized Godfrey Morrow representative. Also,
passwords must be hard-to-guess confidential and you must log-out
at the end of each session. We recommend that you do not use your
(or any relatives) name, birthday, social insurance number, etc.,
or any obvious password. It is also prudent to keep any password
kept in a written form in a secure place.
You are solely responsible and liable for any use and misuse of
your login name and password and for all activities that occur
under your login name and password. You must ensure that all uses
of your login name and password comply with this Agreement.
You must immediately notify Godfrey Morrow of any unauthorized
use of your login name or password, or if you know or suspect that
your login name or password has been lost or stolen, has become
known to any other person, or has been otherwise compromised.
All login names and passwords remain the property of Godfrey
Morrow, and may be cancelled or suspended at any time by Godfrey
Morrow without any notice or liability to you or any other person.
Godfrey Morrow is not under any obligation to verify the actual
identity or authority of the user of any login name or
password.
You must respond promptly to all email and other correspondence
from Godfrey Morrow, including without limitation email and
correspondence concerning complaints or concerns regarding your use
of your login name or password or your use of the Web site.
Top of page
Purchase of an insurance policy on line
If this Web site offers you the possibility of obtaining an
automobile insurance quote and to purchase an insurance policy on
line, to allow the preparation of your quote and the issuance of
your policy, you must submit, in addition to the required
information (your name, address, telephone number and email
address), additional information regarding your car and your
elected means of payment (credit card or automatic debit).
You also agree that clicking on certain buttons will have legal
ramifications namely, it will constitute your signature and confirm
your intention to purchase on line an insurance policy once you
have received an acceptable quote. You will be bound by its terms
and conditions and agree to pay the premiums and any applicable
taxes. We recommend that you retain a copy of the quote.
When you are ready to purchase on line, we will validate your
information and consequently, the coming into force of your policy
is suspended and conditional upon the results of our validation,
which is usually completed on the following business day. You will
be advised by one of our brokers, by telephone or by email, of our
receipt of the quote, the acceptance of your quote by the insurer,
the issuance of the policy and the exact date of the coming into
force of your coverage. You agree that the confirmation of your
quote can be validly communicated by telephone.
The insurance policy will be interpreted, enforced and governed
by the laws of the Province of Alberta and its tribunals will have
jurisdiction to decide any claim related to the insurance
policy.
Top of page
Copyright and Trademarks:
Copyright
The texts, illustrations, graphics and images displayed on the
site are and will remain at all times the property of the author,
unless stipulated otherwise herein. They cannot, under any
circumstances, be sold, reproduced, copied, modified, published or
distributed, in whole or in part, as the case may be, without
express permission from the author. Permission is granted to
download, print and make copies of the information provided for
personal use.
The texts of the site can be cited provided that the source
(www.godfreymorrow.com) and its address
(http://www.godfreymorrow.com) be clearly indicated, in text or as
hyperlink, and that Godfrey Morrow's permission is granted.
The site is protected by Copyright laws and International
Agreements on such matters, and its content cannot be altered
without infringing on the author's rights and his/her moral
rights.
No content from the site may be transmitted to newsgroups, mail
lists, or electronic bulletin boards, or incorporated into any
other Internet Web site nor may links be created to this site
without the prior written consent of Godfrey Morrow, its
subsidiaries and affiliates.
Top of page
Trademarks
Certain names, words, titles, phrases, logos, icons, graphics or
designs or other content in the pages of the site are, as the case
may be, trade names or trademarks of Godfrey Morrow, its affiliates
or its subsidiaries, registered and/or used in Canada ("marks") or
in other countries, as the case may be, and represent only part of
their intellectual property.
Certain names, words, titles, phrases, logos, icons, graphics or
designs or other content in the pages of the site can constitute
trademarks or tradenames, registered or not, property of third
parties and may be used under licence. The display of trademarks
and trade names on pages at the site does not imply that a license
of any kind has been granted to anyone else. The users are not
permitted to use these marks or names without express consent from
Godfrey Morrow or from the third party proprietor of these marks or
names.
The logos of ING Insurance or of member companies of the ING
Group are trademarks of ING Insurance or member companies of the
ING Group. The names of products, programs and services mentioned
on this site can be marks of their respective holders.
The information is for your personal and private use only. Any
unauthorised downloading, re-transmission, or other copying or
modification of trademarks and/or the contents of the site may be a
violation of any federal or other law that may apply to trademarks
and/or copyrights and give rise to legal action.
Top of page
Liability
Godfrey Morrow completely disclaims all liability, whether based
in contract, tort, strict liability or otherwise, arising from the
use of the information contained on this site by any user. Further,
and without limiting the generality of the foregoing, in no event
shall Godfrey Morrow be liable for any direct, indirect,
incidental, consequential or special damages, losses, claims or
expenses arising out of the use of the information herein, or in
any way connected with access to or use of the site, even if the
users have been advised of the possibility of such damages.
If we are provided with false or misleading information, you may
not receive proper advice, coverage, products or service. False or
misleading information may also result in certain coverage and
policies being cancelled or voided, and could result in a claim for
coverage being denied.
Commissions, trailing commissions, management fees and expenses
all may be associated with mutual fund investments. Please read the
prospectus before investing. Mutual fund securities are not covered
by the Canada Deposit Insurance Corporation or by any other
government deposit insurer. There can be no assurances that any of
the Mutual Funds advertised on this site will be able to maintain
their net asset values per security at a constant amount or that
the full amount of your investment in the funds will be returned to
you. Mutual funds are not guaranteed, their values change
frequently and past performance may not be repeated.
The materials and information on this site are provided "as is,"
and without warranties of any kind, either expressed or
implied.
Without limiting the above, Godfrey Morrow does not represent or
warrant that the site or its content will be available or will
function without interruption or that it will be free of errors or
that any errors will be corrected. In addition, it does not
represent or warrant that the use of the site and, including the
browsing and downloading of any content, will be free of viruses,
Trojan horses, worms or other destructive or disruptive components
or that your use of the site and its content will not infringe the
intellectual property or other rights of any third party.
When using the site, you have to take reasonable precautions to
scan for computer viruses, worms, Trojan horses, and other items of
a destructive nature. It is also up to you to ensure that you have
a complete and current backup of the information contained on your
computer system prior to using the site.
Top of page
Content
Information provided by Godfrey Morrow is believed to have been
accurate and reliable when posted on the site, but we cannot
guarantee that it is accurate or complete or current at all times.
The information on this Web site is for information purposes only
and is not intended to provide financial, legal, accounting or tax
advice and should not be relied upon in that regard. For advice
please consult your financial, legal, accounting or tax
specialist.
Top of page
Links to other sites
Links from or to Internet Web sites outside this site are meant
for convenience only and you access them at your own risk. The
publishers of the outside sites manage their content which is not
reviewed, nor approved by Godfrey Morrow. These links should not be
construed as an endorsement, a guarantee or a recommendation of the
products or services offered on those sites. Godfrey Morrow cannot
guarantee that these links are functional or secure.
You access these sites at your own risk. Godfrey Morrow cannot
be held responsible for damages or prejudice of any nature
resulting from the use or the content of the site or of other sites
connected to the site by hyperlink.
