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Terms & Conditions


1. Introduction

1.1 - You will be able to access most of the Website without registering your details with us. Certain areas of this Website are only open to you if you register.

1.2 - By accessing any part of this Website, you shall be deemed to have accepted these General Terms of Use in full. If you do not accept these General Terms of Use in full, you must cease to use this Website immediately.

1.3 - Excess Markets (B.C.) Corporation may amend or revise these General Terms of Use at any time without notice. You should check this Website from time to time to review the then current General Terms of Use because they are binding on you. Expressly designated legal notices or terms may be located on particular pages on this Website and are ancillary to these General Terms of Use.

2. Licence

2.1 - You are permitted to print and download extracts from this Website for your own personal use or internal business purposes provided that: (a) no documents or related graphics on this Website are modified in any way; (b) no graphics on this Website are used separately from accompanying text; and

2.2 - Any rights not expressly granted in these General Terms of Use are reserved.

3. Service Access

3.1 - While Excess Markets (B.C.) Corporation’s endeavours to ensure that this website is normally available 24 hours a day, Excess Markets (B.C.) Corporation will not be liable if for any reason this Website is unavailable at any time or for any period.

3.2 - Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Excess Markets (B.C.) Corporation’s control.

4. Visitor material and conduct

4.1 - By using this Website you consent to the processing (including international transfer) of personal information about you as described in the Privacy and Security Policy .

4.1 - Other than personally identifiable information, which is covered in the Privacy and Security Policy , any material you transmit or post to this Website will be considered non-confidential and non-proprietary. Excess Markets (B.C.) Corporation will have no obligations with respect to such material. Excess Markets (B.C.) Corporation will be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

4.2 - You are prohibited from posting or transmitting to this Website any material: (a) that is threatening, defamatory, obscene, indecent, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; (b) for which you have not obtained all necessary licences and/or approvals; (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law or infringe the rights of any third party, in the Canada or any other country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

4.3 - You must not misuse the Website (including, without limitation, hacking).

4.4 - Excess Markets (B.C.) Corporation will fully cooperate with any law enforcement authorities or court order requesting or directing Excess Markets (B.C.) Corporation to disclose the identity or locate anyone posting any material in breach of paragraphs 4.2 or 4.3.

4.5 - You shall fully indemnify Excess Markets (B.C.) Corporation for any loss or damage suffered by Excess Markets (B.C.) Corporation or any of its subsidiaries for breach of paragraphs 4.2 or 4.3.

5. Disclaimer

5.1 - The communication of information and service on the Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In particular, the contents and/or subject matter of the Website does not constitute an offer of information, products or services, or offer to purchase or solicitation of insurance to US residents, or in any other jurisdictions where such an offer may be unlawful.

5.2 - The Website and attached communications do not represent a prospectus or invitation in connection with any solicitation of capital. Nor does it constitute an offer to sell securities or insurance, a solicitation of an offer to buy securities or insurance, or a distribution of securities in the United States or to a U.S. person, or in any other jurisdiction where it is contrary to local law. Such persons should inform themselves about and observe any applicable legal requirement.

5.3 - The information, including any insurance or financial related information, viewable by you on this Website is provided for information only and does not constitute an offer to (or the solicitation of an offer to purchase) insurance, nor does it constitute investment advice of any kind whatsoever.

5.4 - While Excess Markets (B.C.) Corporation’s endeavours to ensure that the information on this Website is correct, Excess Markets (B.C.) Corporation does not warrant the accuracy and completeness of the material on this Website. Excess Markets (B.C.) Corporation may make changes to the material on this Website at any time without notice.

6. Warranty and Liability

6.1 - This Website is provided “as is” for information purposes only and Excess Markets (B.C.) Corporation gives no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, Excess Markets (B.C.) Corporation does not warrant that: (a) you will be able to use this Website or that it will continue to be made available in its current or any other form; (b) this Website or any or material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.

6.2 - It is your responsibility to use suitable anti-virus software on any material that you may download from this Website and to ensure the compatibility of such software or material with your equipment; or any content or information published on this website is accurate or complete.

6.3 - The editorial content of any other website to which you have gained access by means of any hyperlinks published on the Website remains the responsibility of the provider of that other website.

6.4 - All warranties which would otherwise be implied by law are hereby excluded.

6.5 - Excess Markets (B.C.) Corporation will not (subject only to the exclusion provision in paragraph 8.6) be liable to you, whether for negligence, breach of contract or otherwise, for any loss or damage of whatsoever nature suffered by you (including without limitation, direct loss or damage, indirect or consequential loss or damage, loss of goodwill, loss of business opportunity, loss of data or loss of profit), arising from: (a) any computer virus or other bug transmitted through this Website; (b) your use or inability to use this Website at any time and any failure by Excess Markets (B.C.) Corporation to provide this Website; (c) your use of and/or reliance on other websites to which you have gained access by means of hyperlinks published on this Website; (d) any inaccurate information published on this Website; (e) your failure to comply with any law or regulation that is applicable to you; or (f) your reliance on any information published on this Website. You should note specifically that information might be published on this Website about insurance that may not be appropriate for your specific purposes or circumstances. If you are in any doubt as to who you should contact please refer to Contact Us .

6.6 - Nothing in these General Terms of Use shall operate to exclude or restrict Excess Markets (B.C.) Corporation’s liability for either fraud, or death or personal injury resulting from Excess Markets (B.C.) Corporation’s, or its employees’ negligence.

7. Excess Markets (B.C.) Corporation’s services does not involve giving advice

7.1 - The services Excess Markets (B.C.) Corporation provides on the Website do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on or promoting investment products or life insurance of any type whatsoever; acting as insurance brokers or intermediaries, whether or not independent from any insurance provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.

8. Enforcement

8.1 - The failure by Excess Markets (B.C.) Corporation to enforce any term or condition of the General Terms of Use shall not be deemed as a waiver of the right to enforce such term or condition.

9. Jurisdiction

9.1 - These General Terms of Use and all matters arising from or connected with them, are governed by and construed in accordance with the laws of Canada.