McFarlane & Company

Legal Notice

Your Privacy and Security; Our Commitment

We respect your privacy at all times and we protect the information you submit to us. Procedures are in place to safeguard your data and try to prevent unauthorized access.

Security Tip

When leaving your workstation, close your browser and empty your memory cache to prevent others from accessing the information you have transmitted.

Application Submissions

We encourage you to submit your applications to us using the electronic forms that are contained on this website. These forms are here for your convenience. Please keep in mind when submitting forms to us:

The applicant has read the foregoing and understands that the completion of this application(s) does not bind the insurer or the broker to complete the insurance on the terms requested or at all.

The application(s) have been provided in electronic format for the convenience of the applicant. Any changes or modifications to the questions or text of the application(s) made without the consent of the insurer shall render the application(s) and any policy issued on the basis of the application(s) null and void.

It is further agreed that if in the time between submission of the application(s) and the requested date for coverage to be effective, the applicant becomes aware of any information which would change the answers furnished in response to any questions of the application(s), such information shall be revealed immediately to the insurer or broker. Failure to do so may render any policy issued on the basis of the application(s) null and void.

Copyright and Legal Notice

The terms and conditions regarding the use of the McFarlane & Company web site are contained in the following sections of the Copyright and Legal Notice:

  • Terms of use
  • Interpretation
  • Protection of personal information and Security/Privacy
    • Confidentiality
    • Information collected from the site
    • Use of your information
    • Security
  • Copyright and Trademarks
    • Copyright
    • Trademarks
  • Liability
    • Content
  • Links to other sites

Terms of Use

When you access the Web site of McFarlane & Company (hereinafter called "McFarlane"), 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.

Interpretation

Access and use of this site are subject to all laws and regulations applicable in the Province of Alberta. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which the distribution of products and services by McFarlane is prohibited. Persons accessing this site are required to obtain information about and observe any relevant restrictions.

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.

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.

Confidentiality

When you contact McFarlane to obtain a quotation, buy an insurance policy or ask for advice, your insurance broker must, occasionally collect certain information part of which may be personal. Rest assured, we respect the applicable laws with regard to the use of your personal information. Information transmitted to us in the context of our business relationship is kept in strict confidence and is not divulged unless you authorize its release, or the law requires it, or we must use it in transacting business with insurance companies on your behalf.

Your information will not be sold by McFarlane. Our procedures and systems are designed to protect your information from error, loss and unauthorized access. From time to time, we may contact you with respect to products and services that McFarlane provides.

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.

Use of your information

Your information and the business you do with us is kept in strict confidence. Only authorized personnel have access to such information. Your information is not divulged unless you authorize its release, or the law requires it.

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.


Security

You are responsible for the security and confidentiality of your personal and financial information until actually received by McFarlane. 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.

McFarlane 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 component. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured.

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 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 McFarlane, its subsidiaries and affiliates.

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 trade-marks of McFarlane, 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 McFarlane or from the third party proprietor of these marks or names.

The logos of Intact Commerce Group or of companies member of the Intact Group are trademarks of Intact Commerce Group or companies member of the Intact 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 trade-marks and/or the contents of the site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and give rise to legal action.

Liability

McFarlane 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 McFarlane 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.

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, McFarlane 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.

Content

Information provided by McFarlane 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.

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 are not reviewed, nor approved by McFarlane. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. McFarlane cannot guarantee that these links are functional or secure.

You access these sites at your own risk. McFarlane 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.