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Legal

The agreement contains the following sections:

Terms of Use 

When you access the Web site property of ING Insurance Company of Canada, its parent corporation, its subsidiaries and affiliated companies (including ING Novex Insurance Company of Canada and Trafalgar Insurance Company of Canada) (“ING Insurance”), including all information, materials, texts, illustrations, graphics and images (the “Site”), you accept and agree to be bound by and comply with the agreement regarding the use of this Site (the Agreement), the terms and conditions of which are described below as well as at other locations on the Site. Please take a moment to become familiar with the terms and conditions. If you do not accept the terms and conditions, you should immediately discontinue the use of this Site.   

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Content 

The information provided by ING Insurance is believed to have been accurate and reliable when posted on the Site, but it cannot guarantee that it is accurate or complete or current at all times. As a result, ING Insurance, cannot be held responsible, in whole or in part, for the accuracy of the information provided in the Site.

ING Insurance has no obligation to update information presented on this Site, however 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.

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. 

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Interpretation and Jurisdiction 

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 your province or territory of residence. Please be aware that some products and services described in the Site may not be available in your province or territory of residence. Persons accessing this Site are required to obtain information about and observe any relevant restrictions.

If any term or condition 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 of the Agreement.

The terms, exclusions and conditions of the contracts relating to products and services mentioned on this Site are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance product purchased, and by any applicable laws and regulations. In case of any discrepancy between the contract and the Site, the contract will apply.

Only Canadian residents 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. 

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Security 

Once you have gained access to the Site, it is highly recommended that you do not leave the computer terminal until you have left the Site.

ING Insurance does not warrant that any information, software or other material accessible through the Site or through links to other Web sites 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. 

Please click here to read our guide on internet security.

Confidentiality 

When you become a client of ING Insurance you share important information with us, part of which is personal. 

Rest assured, ING Insurance respects the applicable laws with regard to the use of your confidential personal information.

ING Insurance protects personal information that has been transmitted to it using various means: physical, organizational and technological in accordance with the level of protection required.

Certain sections of the Site may permit the communication of personal information to take advantage of electronic services. Any information submitted to the Site is used solely for the purpose(s) identified in its collection.

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Cookies

Cookies are small data files sent to the Internet browser when a user visits an Internet site. Cookies record information on the visitors or on the pages visited.

ING Insurance may use cookies in order to facilitate your future visits on the Site. They do not contain or transmit any personal information.

ING Insurance has retained the services of a specialized firm to help it evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our Site. To this end, ING Insurance uses Internet tags and cookies provided by this firm and added to the web pages. We gather only information pertaining to your behaviour on our Site, such as the pages you visit; no personal information is gathered.

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Copyright   

The Site is protected by Copyright Act, by the copyright laws of other countries and International Agreements on such matters, and its content cannot be altered without infringing on ING Insurance’s and the author’s rights and moral rights. 

The texts, illustrations, graphics and images displayed on the Site are and will remain at all times the property of ING Insurance and/or the author, unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published, distributed, uploaded, broadcast or retransmitted in whole or in part, as the case may be, without prior written consent from ING Insurance.

No content from the Site may be cited on or transmitted to newsgroups, mail lists, electronic bulletin boards, blogs or incorporated into any other Internet Web site nor may links be created to this Site without indicating the source and address of the Site and without the prior written consent of ING Insurance. 

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Trade-marks 

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 ING Insurance, ING Canada, its affiliated companies, its subsidiaries or its parent company, ING Groep N.V., 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 trade-marks or trade-names, registered or not, property of third parties and may be used under licence. The display of trade-marks 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 ING Insurance or from the third party proprietor of these marks or names.

Notwithstanding the above, the following notices, which are not exhaustive, apply: ING [lion], ING [lion] Direct and ING Investment Management are trade-marks of ING Groep N.V., belairdirect is a trade-mark of Belair Insurance Company Inc., ING Insurance is a trade-name for ING Insurance Company of Canada ING Novex is a trade-name for ING Novex Insurance Company of Canada. This list is subject to change at all times and without notice.

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.

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Liability 

ING Insurance completely disclaims all liability 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 ING Insurance 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. 

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, ING Insurance 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.

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Links 

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 ING Insurance. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. ING Insurance cannot guarantee that these links are functional or secure. 

You access these sites at your own risk. ING Insurance 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.

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