Terms of Use
Introduction – your privacy and our website
These terms and conditions are of general application to this website,
Website Name accessible at Vailo.ca.
and are supplementary to any disclaimer, term or condition of specific application on a particular webpage provided on this website. In case of conflict, the specific disclaimers, terms and conditions shall govern over these terms and conditions.
We are committed to offering a website that respects the privacy of all visitors. Personal Information we collect is governed by our Personal Information & Data Privacy Protection Policy.
These Terms will be applied fully and affect to your use of this Website. By using this Website, you agreed to accept all terms and conditions written in here. You must not use this Website if you disagree with any of these Website Standard Terms and Conditions.
Minors or people below 18 years old are not allowed to use this Website.
What personal information do we collect?
Web servers automatically collect certain information about a visit to a website, including the visitor's Internet Protocol (IP) address. IP addresses are unique numbers assigned by Internet Service Providers (ISP) to all devices used to access the Internet. Web servers automatically log the IP addresses of visitors to their sites. The IP address, on its own, may not identify an individual. However, in certain circumstances, it could be used to identify an individual using the site. For this reason, we consider the IP address to be personal information, particularly when combined with other data automatically collected when a visitor requests a web page. This information can include the name of the page you visited and the date and time of your visit.
Information may also be gathered via our website if given to us. For example, via one of our online forms. If you send us an email or complete an online form, we may use your personal information to respond to you. Information collected on our website may be used for statistical, evaluation and reporting purposes.
Digital markers (including cookies).
A digital marker is a small file placed on your computer by a web site that you visit. They are stored there so that the web server can remember certain pieces of information about you. This information is used by the web server during the same or another visit to the website. Examples of digital markers are "cookies" or HTML5 web storage. They are often used in the collection of web analytics, to store your preferences (for example: language or location), and to manage your session if you are logged in.
Web analytics is the collection, analysis, measurement, and reporting of data about web traffic and visits. This data may be used to improve our website or the services we offer. Data collected may also help us protect the security of our website. We may use software programs to monitor network traffic and identify unauthorized attempts to change information or damage our systems. This software receives and records the IP address of the computer that has contacted our website, the date and time of the visit and the pages visited.
Who sees your personal information?
We will not disclose Personal Information outside of the parties identified in our Personal Information & Data Privacy Protection Policy or if it is authorized or required by law, court order, subpoena, or search warrant. We will not sell, trade or rent Personal Information to anyone else outside Vailo Insurance Services Ltd., without client consent unless it is allowed under PIPEDA. In this case, we will aim to disclose only the specific information that is needed under the circumstances and, wherever possible, will inform you about the disclosure.
In cases where services are provided by third parties such as social media platforms or mobile applications, IP addresses may be recorded by their web servers.
Third-party website links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. Links to websites not under our control are provided for the convenience of our visitors Such third-party sites will have separate and independent privacy policies and we have no responsibility or liability for the content and activities of these linked sites.. We are not responsible for the accuracy or reliability of the content. We do not offer any guarantee and are not responsible for the information found through these links. We also do not endorse these sites or their content.
How we protect your personal information
Emails and other electronic methods used to communicate with us are not secure unless it specifically says so. It is not recommended that you send sensitive Personal Information through non-secure electronic means.
For more information about how we protect your personal information and how you can access or correct it, please read our Personal Information & Data Privacy Protection Policy.
Intellectual Property Rights
Other than the content you own, under these Terms, Company Name and/or its licensors own all the intellectual property rights and materials contained in this Website.
We put content on this website to provide information about the products and services that we offer. You may not use or reproduce the materials without our express written permission.
You are granted limited license only for purposes of viewing the material contained on this Website.
Restrictions And Trademark notice
Vailo Insurance Services Ltd, any all logos, logotypes, wordmarks, icons and trademarks may not be reproduced, whether for commercial or non-commercial purposes, without prior written authorization.
We put content on this website to provide information about the products and services that we offer. You may not use or reproduce the materials without our express written permission.
You are specifically restricted from all of the following:
- publishing any Website material in any other media;
- selling, sub-licensing and/or otherwise commercializing any Website material;
- publicly performing and/or showing any Website material;
- using this Website in any way that is or may be damaging to this Website;
- using this Website in any way that impacts user access to this Website;
- using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
- engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
- using this Website to engage in any advertising or marketing.
Certain areas of this Website are restricted from being access by you and Company Name may further restrict access by you to any areas of this Website, at any time, in absolute discretion. Any user ID and password you may have for this Website are confidential and you must maintain confidentiality as well.
Your Content
In these Website Standard Terms and Conditions, “Your Content” shall mean any audio, video text, images or other material you choose to display on this Website. By displaying Your Content, you grant Company Name a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.
Your Content must be your own and must not be invading any third-party’s rights. Company Name reserves the right to remove any of Your Content from this Website at any time without notice.
No warranties
This Website is provided “as is,” with all faults, and Company Name express no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as advising you.
Limitation of liability
In no event shall Company Name, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract. Company Name, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
Indemnification
You hereby indemnify to the fullest extent Company Name from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.
Severability
If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.
Variation of Terms
Company Name is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.
Assignment
The Company Name is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
Entire Agreement
These Terms constitute the entire agreement between Company Name and you in relation to your use of this Website, and supersede all prior agreements and understandings.
Governing Law & Jurisdiction
These Terms will be governed by and interpreted in accordance with the laws of the State of Country, and you submit to the non-exclusive jurisdiction of the state and federal courts located in Country for the resolution of any disputes.
Products and services of Vailo are only offered in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in your province or territory of residence. Discounts, coverage and eligibility vary by province and territory. All products and services are subject to the terms of the applicable agreements and laws that apply thereto. In case of any discrepancy between any such agreement and this website, the agreement will govern. The information on this website 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 a solicitation.
Who do I contact if I have any questions about this website?
Questions about our website may be directed to our webmaster. They will either answer your question or put you in touch with the correct staff member. You can contact our webmaster at: info@vailo.ca.
Disclaimer
The material and information provided on this website is provided “as is” and without warranties of any kind, either express or implied. Vailo disclaims all warranties, express or implied, with respect to this website, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.
Without limiting the generality of the previous paragraph, Vailo does not guarantee that the material and information provided on this website will be up-to-date, complete or accurate. Such material and information is subject to change without notice.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, services or other information provided on this website. The opinions, services and other information provided on this website do not constitute, and Vailo is not rendering, legal, accounting or other professional advice, and Vailo disclaims and does not assume any liability whatsoever with respect to such opinions, services or other information.
Vailo disclaims all liability arising from the use of this website or the materials and information provided on this website by any user, including any losses, damages, lawsuits, claims or expenses a user may incur as a result of accessing or using this website or such materials or information. Further, and without limiting the generality of the foregoing, in no event shall Vailo be liable for any direct, indirect, special, incidental, consequential or punitive damages arising out of the access or use of this website or the materials and information provided on this website, even if it has been advised of the possibility of such damages.
Vailo does not warrant that this website will always be available or that it will meet your requirements, nor does it warrant that access will not be interrupted, or that there will be no delays, failures, errors or omissions, or loss of transmitted information. Vailo assumes no liability for loss or damages (including direct, indirect, special, incidental, consequential or punitive damages) that may result from any of the foregoing.
Vailo reserves the right, in its sole discretion, to modify these terms and conditions at any time without notice to you, and your continuing use of this website following such modifications shall indicate your acceptance of such modifications. You should periodically revisit this page in order to review the latest version of these terms and conditions.
Data Transmission
Vailo has the right, but not the obligation, to monitor any transmission made to or from this website. Vailo is committed to respecting the privacy of your personal information. However, the internet is not a secure medium of communication and, accordingly, Vailo cannot assure the privacy or security of any information that you input into this website or transmit to us over the internet via this website, via email or otherwise. Vailo is not responsible for any damages that you or others may suffer as a result of the loss of confidentiality of any such personal information during its input into this website or its transmission to us, or in our communicating such personal information to you at your request.
Online Quotes
Please be advised that in requesting an online quote you are consenting to the collection, use and disclosure of your personal information, and such collection use and disclosure shall be governed by our privacy policy. Where you provide us with the personal information of a third party, you confirm that such third party has authorized you to disclose such personal information to us. For more information on our privacy policy and the third party sources that may be involved.