Terms and Conditions of Website Use

"ARAG" and the ARAG logo are internationally protected registered trademarks. All other company names, logos and product names appearing in the ARAG website may be the registered trademarks of their respective owners.

Text, pictures and graphics and their appearance on the Website are protected under copyright law and other intellectual property and proprietary legislation. These materials or any portions thereof may be used solely for personal and non-commercial purposes. Any contents or components of the Website may not otherwise be copied, stored, displayed, reproduced or distributed without (a) the express written permission of ARAG and (b) provided that such use of the contents or components of the Website includes a reference to ARAG copyright. Pictures as well as articles from newspapers and magazines appearing in the Website may also in certain instances be subject to the intellectual property rights of third parties.

Any unauthorized downloading, re-transmission or other copying or modification of the trademarks, copyrights and/or other content of the Website constitutes a violation of federal or other law and is strictly prohibited.

The information and components contained in the Website is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. ARAG shall not be held liable for the completeness, correctness, topicality and technical accuracy of any information contained on the Website and ARAG has no obligation to update the information. ARAG reserves the right, without the need to give prior notice, to modify, withdraw, terminate or supplement information and components in the Website. You agree to review the terms of this agreement regularly and your continued access or use of the Website will mean that you agree to the terms posted at the time of such access.

ARAG is not responsible and will not be liable to you or anyone else for any damages (direct, indirect, incidental, special, consequential, exemplary or punitive) arising out of or in connection with the Website or its content, or your ability or inability to access or use the Website or its content, or any unauthorized use or reproduction of the Website or its content or ARAG failure to take corrective measures.

The content of the Website is provided for information purposes only and is not intended to provide specific insurance, investment, tax, legal, or accounting advice to you, and should not be relied upon for that purpose. You should not act or rely on the information contained on the Website without seeking the advice of a professional.

Not all of the products, services and information made available or provided on the Website are available in all jurisdictions. The information on this site does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any provincial jurisdiction or jurisdiction outside of Canada, please contact your financial advisor.

If you choose to access the site from outside Canada, you do so on your own initiative and are responsible for compliance with applicable local, national, and international laws. You must be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in the Website. You may not use, export, or re-export the information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

Clicking on certain hyperlinks on the Website allows you to leave the Website. The linked website is not under the control or influence of ARAG and ARAG is not responsible for the contents, design of, privacy practices of, products or services of, or for any changes made to the linked website and the third parties named therein. Linking to any other website is at your sole risk and ARAG shall not be responsible or liable for offsite material contained in linked websites, for any links contained in a linked website or for any damages in connection with such linking.

When you access the Website, possible identification data (IP address) and other information (date, time, page viewed) are saved on our server for a period of no less than two months for data security purposes. The data will not be used for any other purpose, with the exception of statistics, or passed on to third parties and then only in such a way that ensures anonymity. The Website may use "cookies", a technology that installs information on a website user's computer that permits the Website to recognize future visits to the site from that computer. Cookies enhance the convenience and use of the website, though you may choose to decline cookies if your browser permits. ARAG will treat any personal details sent when you access our home page in strictest confidence in accordance with the ruling provisions governing data protection. If you send us an e-mail or complete and submit the online forms on our Website, your personal data (i.e. name or e-mail address and any other information you provide) will be used in accordance with our privacy policy. The information you provide may be used to send you requested documents or information, to communicate with you or for any other purpose contemplated on the applicable form or applicable web page.

Any unprotected email communication over the Internet is not secure or confidential and is subject to possible interception or loss, and possible alteration. ARAG is not responsible for and will not be liable to you or anyone else for any damages in connection with an email or text message sent by you to ARAG.

ARAG shall not be held liable for any loss or damage ascribable to computer viruses, worms, Trojan horses or other destructive/disruptive components if you call up or download data from the Website.