Terms & Conditions

In using this website you are deemed to have read and agreed to the following terms and conditions:

Currency

All prices shown are in Canadian Dollars.

Trademarks

The trademarks, names, logos and service marks (collectively “ trademarks”) displayed on this website are registered and unregistered trademarks of the website owner. Nothing contained on this website should be construed as granting any license or right to use any trademark without the prior written permission of the website owner.

IBAN corporate members may utilize images from the Official Broker Identify Logo Guidelines as outlined in the guidelines Conditions of Use.

External Links

External links may be provided for your convenience, but they are beyond the control of the website owner and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk.

Links to this Website

You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Warranties

The website owner makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website.

Disclaimer of Liability

The website owner shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any information contained on the website, your or your company’s personal information or material and information transmitted over our system. In particular, neither the website owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delay, inaccuracies, errors in or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

Privacy Policy (see Privacy Policy for more information)

The Insurance Brokers Association of Newfoundland (IBAN) is committed to protecting the privacy of personal information of its members, subject matter experts and all users of its services. This Privacy Policy has been prepared to affirm IBAN’s commitment to maintaining high standards of confidentiality, to provide information on IBAN’s practices concerning the collection, use and disclosure of your personal information and to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable statutes.

Passwords and Security

IBAN is concerned with the security of personal information collected and has taken reasonable steps to prevent unauthorized access to that information. You are responsible for maintaining the confidentiality of any password(s) used to access the site, and are fully responsible for all activities that occur under your password(s) and you must notify IBAN immediately of any unauthorized use of your password(s).

Termination of Use

You agree that IBAN may, in its sole discretion at any time, terminate your access to the site and any account(s) you may have in connection with the site.

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