Online Terms and Conditions (www.mutualfirebc.com and related websites)

Copyright (c) 2011 by The Mutual Fire Insurance Company of British Columbia.  All Rights Reserved.

By accessing or using this website, or any other website offered by us from time to time, you acknowledge and agree to all of the terms and conditions of this Agreement without limitation or qualification.

Online Materials; Permitted Uses.  This website and all information and materials contained herein (collectively, the “Online Materials”) are the intellectual property of The Mutual Fire Insurance Company of British Columbia (“Mutual Fire Insurance”) and its licensors, and all rights are expressly reserved.  Mutual Fire Insurance is providing the Online Materials for promotional purposes, and the Online Materials are not an insurance policy or an offer of insurance.  You only have the right to view and to download and make a hard copy of the Online Materials for personal use.  Any republication of the Online Materials, and any use, reproduction or copying of the Online Materials for commercial purposes, without the express written permission of Mutual Fire Insurance, is strictly prohibited.

Limited Purpose; No Reliance.  The Online Materials are provided for general information purposes only, and are not intended to be, and may not be relied upon as, (a) timely, current, accurate or complete, (b) a recommendation of any specific product, service, use or course of action, or (c) information in the nature of specific or general advice of any kind whatsoever, including with respect to insurance, legal, tax or investment advice.  The Online Materials are not intended to be used as or relied upon as a substitute for professional advice, and you are encouraged to seek professional advice in all matters and should not act or rely on the Online Materials without such advice.

Subject to Change; As-Is; No Warranties.  The Online Materials are subject to change at any time (without notice of change, and without referencing the changes being made), and are provided on an “as-is” and “as-available” basis, without any representation or warranty whatsoever, statutory, implied or otherwise, all of which are expressly disclaimed by Mutual Fire Insurance.  Any products or services offered by Mutual Fire Insurance referred to in the Online Materials are subject to terms, conditions and exclusions that may not be fully contained on this website.  Any such products or services are governed by the actual terms, conditions and exclusions thereof.  Notwithstanding any of the foregoing, nothing in the Online Materials shall be construed as a solicitation or offer by or to anyone in any jurisdiction in which a solicitation or offer cannot legally be made.

Disclaimers.  The Online Materials depend on the Internet, including networks, cabling, equipment and facilities that are not in Mutual Fire Insurance’s control; accordingly, data, messages, information or materials sent over the Internet, including by links, e-mail addresses or forms available as part of the Online Materials, may not be completely private, and your anonymity is not guaranteed.  The Online Materials may be temporarily unavailable from time to time as a result of maintenance, Internet disruptions or other reasons. Mutual Fire Insurance assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction of the Online Materials, and also for any problems or technical malfunction, including, without limitation, any problem or malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or persons, traffic congestion on the Internet or at any website (including the those in the Online Materials) or combination thereof.  Mutual Fire Insurance is not responsible for any direct, indirect, incidental, special or consequential damages of any kind whatsoever and however caused, whether arising under contract, tort (including negligence) or whatsoever theory, in any manner in connection with the Online Materials.

Hyperlinks; Third-Party Materials.  The Online Materials may contain links to other sites that are independently controlled by others, and Mutual Fire Insurance makes no representations regarding and assumes no responsibility for the content or accuracy of any materials appearing on such linked sites.  No affiliation, recommendation, endorsement, adoption or approval by Mutual Fire Insurance of any product, service or content on any such linked site is implied.  Certain names, logos, designs, titles, links, words and phrases and materials used in the Online Materials may constitute trade-marks, service marks, trade names or other intellectual property of third parties, and (a) no relationship between Mutual Fire Insurance and such third parties is implied by their use except as expressly set out in the Online Materials, and (b) no license or privilege to same is conveyed or created by their use therein.  By using any such third-party Online Materials, you acknowledge that Mutual Fire Insurance has no responsibility therefor, and that they may be subject to third-party terms and conditions.

Privacy.  Mutual Fire Insurance’s Privacy Policy applies fully to the Online Materials, and is available here: mutualfirebc.com/privacy/

Changes; Interpretation.  Mutual Fire Insurance reserves the right to amend this Agreement at any time without notice to you, but will ensure that the latest, fully-amended version of this Agreement is published on the website.  Headings in this Agreement are used for convenience only and are not to be used as an interpretation guide for this Agreement.  You acknowledge that your use of the Online Materials as permitted hereby is good and sufficient consideration for the rights, covenants, disclaimers and premises set out herein.

Jurisdiction.  The Online Materials are maintained by Mutual Fire Insurance from its head office in British Columbia, Canada, and will be governed by and construed in accordance with the laws of the Province of British Columbia and the laws of Canada applicable therein, without effect to any principles of conflicts of laws.  If you choose to access the Online Materials from outside Canada, you do so of your own initiative, and are solely responsible for compliance with all applicable local, national and international laws.  Any dispute, controversy or claim arising out of or in connection with the Online Materials will be subject to the jurisdiction of the courts of the Province of British Columbia, and you irrevocably submit and attorn to the exclusive jurisdiction of the courts of the Province of British Columbia to finally adjudicate and determine any action or proceeding arising our of or in connection with the Online Materials.  By virtue of maintaining this passive website, Mutual Fire Insurance shall not be construed to be doing or transacting business or to otherwise being subject to the jurisdiction of any governmental authority in which you, or this or any linked site server or Internet provider is resident, domiciled or located.  If any provision of this Agreement is found to be invalid by any court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any provision of this Agreement shall be deemed a further or continuing waiver of such provision or any other provision. This Agreement constitutes the entire agreement between you and Mutual Fire Insurance with respect to use of the Online Materials.