Terms of Use

Personal Information and Security

1. Reliable Life does not collect personal information through this Site. However, your IP address may be tracked and used, in the aggregate, to assess server and Site access. Any personal information provided to Reliable Life by you voluntarily will be used by Reliable Life solely for the purposes for which it was provided, and will not be sold or disclosed to any third party without your prior consent.
2. Although our security efforts are consistent with industry practice in Canada, your complete privacy, confidentiality and security is not yet possible over the Internet and therefore, cannot be guaranteed. As a result, Reliable Life shall not be responsible or liable for any harm or loss resulting from your transmission of any information to us.

Compliance with Laws and Prohibited Conduct

1. You agree to comply with all laws, rules and regulations applicable to your use of this Site ("Laws"), and acknowledge that you may only use this Site if, and to the extent that, such use is permitted by such Laws. You agree not to engage in any conduct which Reliable Life, in its sole discretion, determines to be detrimental to the interests of Reliable Life or its affiliates, including, without limitation, acting or failing to act in a manner contrary to these Terms of Use, intentionally interfering with the Site or Reliable Life's computer systems, or interfering with the business of Reliable Life in any way.
2. The products and services as described in this Site may not be available in all jurisdictions. Nothing in this Site constitutes an offer or solicitation to any person in any jurisdiction in which such an offer or solicitation would not be permitted by Law.

Disclaimer of Warranties

1. THIS SITE DOES NOT, AND IS NOT INTENDED TO, PROVIDE YOU WITH ANY INSURANCE, LEGAL, FINANCIAL OR OTHER ADVICE, AND SHALL NOT BE RELIED UPON BY YOU IN THAT REGARD. RELIABLE LIFE SHALL NOT BE RESPONSIBLE FOR ANY DETRIMENTAL RELIANCE YOU PLACE UPON THIS SITE OR ITS CONTENTS.
2. YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. THIS SITE IS PROVIDED ON A STRICTLY "AS IS" BASIS. RELIABLE LIFE MAKES NO WARRANTY (I) WITH REGARD TO THIS SITE OR ANY PRODUCT OR SERVICE DESCRIBED ON THIS SITE; (II) THAT THE SITE OR ANY SUCH PRODUCT OR SERVICE WILL MEET YOUR REQUIREMENTS; (III) THAT INFORMATION OBTAINED THROUGH THIS SITE WILL BE ACCURATE, RELIABLE, TIMELY, SECURE OR ERROR FREE; OR (IV) AS TO THE RESULTS THAT MAY BE OBTAINED FROM YOUR USE OF THIS SITE OR ANY SUCH PRODUCT OR SERVICE.
3. RELIABLE LIFE EXPRESSLY DISCLAIMS ANY AND ALL EXPRESS AND IMPLIED WARRANTIES IN CONNECTION WITH THIS SITE OR ANY PRODUCT OR SERVICE DESCRIBED ON THIS SITE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
4. THIRD PARTY WEB SITES THAT MAY BE ACCESSED FROM THIS SITE BY HYPERTEXT LINKS ARE ENTIRELY INDEPENDENT OF THIS SITE AND SHALL NOT BE CONSTRUED AS AN ENDORSEMENT BY RELIABLE LIFE OF ANY SUCH SITE OR ANY ENTITY, PERSON, PRODUCT OR SERVICE ASSOCIATED THEREWITH. CONVERSELY, THIRD PARTY WEB SITES THAT MAY PROVIDE ACCESS TO THIS SITE BY HYPERTEXT LINKS ARE ENTIRELY INDEPENDENT OF THIS SITE AND ANY SUCH DIRECTION BY A THIRD PARTY TO THIS SITE SHALL NOT BE CONSTRUED AS AN ENDORSEMENT BY RELIABLE LIFE OF SUCH THIRD PARTY'S WEB SITE, PRODUCTS OR SERVICES. RELIABLE LIFE NEITHER ENDORSES THE CONTENTS OF THIRD PARTY ADVERTISEMENTS OR WEB SITES NOR ASSUMES RESPONSIBILITY OR LIABILITY FOR THE ACCURACY OF INFORMATION OR MATERIAL CONTAINED THEREIN, OR FOR ANY INFRINGEMENT OF ANY THIRD PARTY'S INTELLECTUAL PROPERTY RIGHTS ARISING THEREFROM, OR FOR ANY FRAUD OR OTHER CRIME FACILITATED THEREBY. RELIABLE LIFE SHALL NOT BE LIABLE OR RESPONSIBLE FOR THE OFFERS, GUARANTIES, WARRANTIES OR REPRESENTATIONS OF ANY THIRD PARTIES. INFORMATION, STATEMENTS, ADVICE, OPINIONS OR OTHER CONTENT PROVIDED BY THIRD PARTIES IS THE SOLE RESPONSIBILITY OF ITS RESPECTIVE AUTHORS, AND RELIABLE LIFE ASSUMES NO RESPONSIBILITY FOR YOUR RELIANCE ON ANY SUCH CONTENT. RELIABLE LIFE ASSUMES NO RESPONSIBILITY FOR UNAVAILABILITY OF THE SITE DUE TO INTERRUPTIONS OR DISCONTINUANCE OF SERVICE BY THIRD PARTY SERVICE PROVIDERS.
5. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THIS SITE.

Limitation of Liability

RELIABLE LIFE, ITS AFFILIATED COMPANIES, OFFICERS, DIRECTORS, AGENTS, EMPLOYEES AND OTHER PERSONS ASSOCIATED WITH THE CREATION OF THIS SITE SHALL NOT BE LIABLE FOR ANY HARM, LOSS OR DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, (WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE) RELATING TO YOUR USE OF THIS SITE OR YOUR RELIANCE ON OR USE OF INFORMATION OBTAINED THROUGH THIS SITE EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Intellectual Property

You acknowledge and agree that Reliable Life's name, logos, text, audio, video, photographs, graphics, computer software and other proprietary materials contained in, forming part of, or used in connection with, this Site (the "Intellectual Property") are the property of Reliable Life or its licensors, and are protected by national and international laws. Reliable Life's use of its Intellectual Property on this Site does not constitute a licence for you to use such Intellectual Property in any manner. Without limiting the foregoing, you agree not to copy, republish, licence, modify, rent, lease, loan, sell, distribute or create derivative works based on any of the Intellectual Property, or any part thereof, without Reliable Life's prior written authorization. You further agree not to decompile, reverse engineer or disassemble any element of this Site or any software incorporated therein.

Indemnification

YOU AGREE TO INDEMNIFY AND HOLD RELIABLE LIFE, ITS AFFILIATED COMPANIES, OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES HARMLESS FROM ANY CLAIM, DEMAND, EXPENSE OR DAMAGE, INCLUDING REASONABLE LEGAL FEES, ARISING OUT OF YOUR USE OF THIS SITE OR YOUR VIOLATION OF THESE TERMS OF USE.

Modification to Terms of Use

Reliable Life reserves the right to change these Terms of Use at any time. The most recent version of these Terms of Use will be posted on this Site at all times. Your continued use of the Site constitutes your acceptance of any such amendments. If you do not agree with the amended Terms of Use, your sole remedy is to discontinue your use of this Site.

Entire Agreement

These Terms of Use constitute the entire agreement between Reliable Life and you relating to your use of this Site.

Severability

In the event that any provision hereof, or any part of any such provision, is deemed by a court of competent jurisdiction to be invalid or unenforceable, such a finding shall not affect the validity or enforceability of the remainder hereof, which shall remain in full force and effect.

No Waiver

Reliable Life's failure to exercise or enforce any right or provision hereunder shall not constitute a waiver of such right or provision unless such waiver is expressed by Reliable Life in writing.

Governing Law

Subject to paragraph 2(a) hereof, these Terms of Use shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Telephone
Call our Client Services toll free line at 1-800-465-0661 from 8:30am to 4:30pm EST Monday to Friday.

Email
You can email us at service@reliablelifeinsurance.com.

Facsimile
You can fax us at 905-522-7211

Mail
Reliable Life Insurance
Box 557, 100 King Street West
Hamilton, ON
Canada L8N 3K9