Who 'we' are
Euler Hermes North America Insurance Company, Canada is a branch of Euler Hermes North America Insurance Company, 800 Red Brook Boulevard, Owings Mills, Maryland USA 21117, a Maryland corporation, and is ultimate owned by Euler Hermes S.A., a Belgian corporation, which is part of the Allianz Group.
Terms and conditions of use
You should read these terms and conditions carefully before using this web site (“Site”). By accessing and using the Site you agree to be bound by the terms and conditions set out below. If you do not wish to be bound by these terms and conditions, you may not access or use the Site.
Privacy
We collect personal information through this Site. Our collection, use, retention and disclosure of your personal information are governed by our Privacy Policy, available here. Your personal information will only be used for the purposes set out in the Privacy Policy or for other purposes for which you have given your consent.
Site content
Although we have taken all reasonable care to ensure that the information posted on the Site is current, true and accurate in all material respects and that there are no other material facts the omission of which would make any of the information misleading, we give no warranty, express or implied, with regard to the accuracy or currency of the information posted on the Site. The content of the Site is general in nature and is for information purposes only.
Submissions
By submitting content to any area of this Site, you grant to use and our affiliates a royalty‑free perpetual, irrevocable, transferable, worldwide, non‑exclusive right (including any moral rights) and licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, communicate by telecommunication, publicly perform, digitally display and otherwise use such content, in whole or in part, worldwide in all manner and media (whether now known or later developed). You represent and warrant that you have, or the third party holder of the moral rights in such content has, completely and effectively waived all such rights and that you have the lawful right and authority to grant the licence granted herein. You also authorize any user of this Site to access, display, view, store and reproduce such content for personal, non-commercial use.
You agree not to submit, publish, transmit, display, disseminate or otherwise communicate any libelous, defamatory, inaccurate, abusive, threatening, offensive or illegal material while connected to or otherwise using this Site. Transmission of such material shall constitute a material breach of these terms and conditions. We do not and cannot review every submission posted by users and are not responsible for, nor do we endorse, such submissions. You acknowledge that any submissions may be edited, removed, modified, published, transmitted and displayed by us or the administrators of this Site, in their sole discretion. Users remain solely responsible for the content of their submissions.
Security
You may be issued a user name and password (collectively, your “account”) in order to access certain sections of this Site. You are responsible for maintaining the confidentiality of your account and for all activities that occur through the use of your account. You agree to: (a) immediately notify us of any unauthorized use of your account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. We will not be liable for any loss or damage arising from your failure to comply with this section. You may be issued a new password or required to change your password from time to time.
Links
Where we provide hypertext links to other web sites or contacts, we do so for information only and such links do not constitute an endorsement or recommendation by us of any products or services in such sites. You use such links entirely at your own risk and we accept no responsibility for the content or use of such web sites or for the information contained on such sites.
Licence
Unless otherwise stated all rights, including copyright, database rights and other intellectual property rights, in the Site and its contents are owned by (or licensed to) us and our licensors and you are responsible for obeying all applicable copyright laws and licence restrictions. You may use the information on the Site and take copies of the Site content as necessary incidental acts during your viewing of it and you may take a print for your personal use of so much of the Site as is reasonable for private, non-commercial purposes. The information may not otherwise be reproduced, stored in any medium (including in any other web site), distributed or transmitted to any other person or incorporated in any way into another document or other material without the prior written permission of us. All other rights in and to the Site and its contents are reserved.
Use of the site
You agree to use the Site only for lawful purposes and in a manner, which does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Site by any third party. You agree not to import or transfer to the Site either directly or indirectly any information or other content which is or may be inaccurate, misleading, defamatory, obscene or offensive or in breach of any intellectual property right or similar right or damaging to the software or performance of the Site.
Territory
The Site is directed at Canadian residents only and the services described in the Site are only available to Canadian residents to the extent that we are licensed to sell insurance within Canada. You agree to use the Site in a manner consistent with any and all applicable Canadian law and regulation.
Scope of your responsibility
You are wholly responsible for the use of the Site by any person using your terminal or point of presence and are responsible for ensuring that any such person also fully complies with these terms and conditions.
Your breach
If you are in breach of these terms and conditions you agree to indemnify us, and our affiliates, directors, officers, employees, representatives, licensors and licensees, in respect of any and all losses, costs or damages including reasonable legal fees incurred by us in relation to or arising out of such breach.
Suspension and Termination
We reserve the right to suspend or terminate your account or your access to some or all of the pages of the Site and/or the content of the Site in our sole discretion without notice at any time, and accept no responsibility for such suspension or termination.
Cookies
We use cookies on this Site. This enables us to give you the best experience possible when using our Site. By continuing to use our Site, you agree to the use of cookies as explained in our cookies policy. If you would like to change your settings relating to cookies, please view this page on how to manage cookies.
Exclusions
This Site and its content are provided on an “as is” and “as available” basis and without warranties of any kind either express or implied. To the maximum extent permissible under law, we disclaim all representations, warranties and conditions, express or implied, including but not limited to implied warranties and conditions of merchantability, merchantable quality and fitness for a particular purpose, title, non‑infringement of proprietary rights, and implied warranties and conditions arising from the course of dealing or course of performance. We do not warrant that this Site or any content will be functional, uninterrupted or error‑free, that defects will be corrected, or that this Site or the servers that makes it available will be free of viruses or other harmful components. We do not warrant the accuracy, completeness or correctness, timeliness, or usefulness of any opinions, advice, services, products or other information provided through the Site or on the internet generally. In no event will we be liable to you or anyone else for any decision made or action taken by you or anyone else in reliance upon the information provided through the Site.
Limitation of Liability
To the extent permitted by law, we do not accept any responsibility for any losses or damages whatsoever including, without limitation, direct, indirect, special or consequential loss or damage and/or loss of profits, business revenue, goodwill or anticipated savings arising out of access to or use of or reliance on any information posted on the Site or any hypertext or hyperlink to a web site or any information contained on or accessed through such web site.
Entire Agreement
These terms and conditions, our Privacy Notice and our Cookie Notice contain the entire understanding between you and us with regard to your use of the Site and no representation, statement or inducement, whether oral or written, not contained in these terms and conditions, our Privacy Notice or our Cookie notice binds either you or us. We reserve the right to change these terms and conditions, our Privacy Notice and our Cookie Notice from time to time. Use of the Site is subject to the terms and conditions, Privacy Notice and our Cookie Notice posted on the Site at the time of your visit. If you do not agree to any changes to the terms and conditions, Privacy Notice or our Cookie Notice then you must immediately stop using the Site.
No Insurance Contract
Please note that we do not sell insurance over the Internet. Any contract of insurance between you and us will be governed by separate terms and conditions agreed between you and us.
Severability
Should any part of these terms and conditions for any reason be declared invalid by a court of competent jurisdiction, such determination shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of these terms and conditions had been eliminated.
Governing Law
These terms and conditions and your use of the Site are governed by the laws of the province of Ontario and the federal laws of Canada applicable therein. Disputes arising out of these terms and conditions shall be subject to the exclusive jurisdiction of the Superior Court of Justice for the Province of Ontario.