UVINSURANCE.CA

Notice and Content

In these terms and conditions, “UV Insurance” refers to The Union Life Mutual Assurance Company, its affiliates and related companies, except where any of these companies is specifically mentioned.

The uvinsurance.ca website, and all its sub-domains, belongs to The Union Life Mutual Assurance Company. It details the activities, products and services of The Union Life Mutual Assurance Company and its affiliates and related companies.

All products and services mentioned on this site are subject to the conditions of the contracts applicable thereto and may be changed without notice.

Our products and services are offered only in Canada, and some of them may not be available in all regions of Canada.

Acceptance of Conditions

The information and data contained on this website are presented for information purposes only. Site use is subject to these conditions and to the applicable legislation. Therefore, as soon as you access the site, these conditions apply without further formalities.

If you do not agree to all of these conditions, please do not access or use this website.

UV Insurance is committed to protecting all transmitted personal information as per its Privacy Policy. This policy not only meets the requirements of the Act Respecting the Protection of Personal Information in the Private Sector, but also outlines UV Insurance standards for the collection, use, disclosure and archiving of personal information. How your personal information is protected and your rights to access this information are also a subject matter in this policy.

Change in Conditions

UV Insurance may, without prior notice, amend or otherwise update the terms and conditions applicable to its website and you hereby agree to be bound by the conditions in effect at the time you access this website.

It is your responsibility to check for possible changes made to these conditions.

Use of Cookies

What is a cookie?

A cookie is a small data file automatically stored on your computer while you are browsing various websites. As such, it is a piece of text stored locally that can be easily viewed and deleted. Cookies are used to customize the sites you visit according to your preferences and predictions made on what type of contents might be of interest to you.

Your browser preferences can be used to view and control the cookies that are stored on it.

Why does UV Insurance use cookies?

UV Insurance uses cookies for your convenience:

1. to recognize you when you return to the website;
2. to collect information about your use of the website;
3. to enable the features of some services available on the website;
4. to manage, monitor, protect and improve the website;
5. to integrate third party services.

You can disable the use of cookies by adjusting the appropriate settings on your browser. However, please note that if you do this you may not be able to use the full functionality of this website.

For more information, please read our Cookie Management Policy.

Applicable Law

The laws of the province of Quebec and the laws of Canada applicable therein shall govern use of this website and the interpretation, validity and effect of these conditions, notwithstanding any conflict of laws, provisions or your domicile, residence or physical location.

You hereby consent and submit to the exclusive jurisdiction of the courts of the province of Quebec in any action or proceeding related to this website and agree not to commence any such action or proceeding except in Drummondville (Quebec), in Canada.

Links to Other Websites

This website contains links to other sites which are not managed or updated in any way by UV Insurance. These links are presented for information purposes only and are not to be construed as an endorsement by UV Insurance of the content of such sites. UV Insurance reserves the right to require removal or deletion of hyperlinks to its website.

Copyright and Trademarks

UV Insurance is a registered trademark of The Union Life Mutual Assurance Company. Any other names, logos, icons, graphics, images and drawings used in this website are trademarks of UV Insurance whether registered or not.

Any use, disclosure, modification or adoption of a trademark contained in this website is prohibited and can be subject to legal action. Unless otherwise specified, the images, trademarks, service marks, logos and icons displayed on this website are the property of UV Insurance and may not be used without its prior written consent.

Any unauthorized use of the images may violate copyright, trademarks, privacy and advertising laws, as well as communications regulations and statutes.

Any rights not expressly granted herein are reserved.

Limitation of Guarantee and Liability

UV Insurance, its directors, officers, employees, and representatives, are not liable nor responsible for losses or damages resulting directly or indirectly from the use of this website, including special or collateral damages, as well as damages caused by third parties. You agree that using this website and any related website is entirely at your own risks.

In particular, but without limiting the generality of the foregoing, UV Insurance and its directors, officers, employees or representatives, are not liable for damages based on information contained on the website, or that occurred as a result of personal information disclosed or transmitted online to UV Insurance.

Without limiting the generality of the foregoing, UV Insurance cannot guarantee that:

1. this website will meet your requirements;
2. this website will experience no disruptions, delays, failures, security flaws or errors;
3. all errors will be corrected.

No advice or information received, either verbally or in writing, from UV Insurance or through this website, can provide any guarantee other than as specifically described in these conditions of use.

This website is not intended to provide specific financial, medical, accounting, legal or tax advice. You cannot refer to this website to avoid seeking professional advice or doing independent research. UV Insurance does not provide legal or tax advice.

The “calculator” tools available on this website are not intended to provide any kind of advice, including, but not limited to, investment and tax advice.

Illustrations and Premium Rates

You might not be eligible for some life insurance premium rates. Premium rates are being disclosed only for general information purposes and are subject to pricing and other requirements from UV Insurance. For more details on the plan corresponding to your personal needs, UV Insurance recommends that you contact an authorized sales representative.

Online Insurance Application

The website allows you to make an online insurance application for specific products. To make sure that you take advantage of the coverage you have selected, you must disclose all the facts known to you which are likely to influence the setting of your premium rate, the appraisal of the risk or the decision to insure you. You must ensure that any information you provide us is accurate and up to date, failing which we reserve the right not to follow up on an insurance request.

An application submission is available only to users who are legally entitled to enter into contracts, as provided for by applicable laws. By using our services, you represent and warrant to us that you have reached the legal age in your place of residence to enter into a contract or that you have obtained the prior consent of a parental authority to use them.

Any insurance request made on the website must be completed personally. Our response to your request is based on information that you submit and on some assumptions when applicable. An insurance application is neither an acceptance of insurance nor a guarantee of insurability and does not constitute enrolment of insurance and is conditional upon your qualification under our underwriting standards. If applicable, your insurance contract will be sent to you, based on your preferences, by mail or in electronic format.

By using the online services, you acknowledge that the use of your email address and password, if applicable, constitutes your signature. You also acknowledge that checking a box or clicking on key words such as “OK,” “Send” and “Accept” or any other similar wording constitutes your acceptance and is legally binding on you. By doing so, you confirm that you have carefully read and understood the terms, conditions and procedures relating to the application or purchase of your insurance contract and acknowledge that this action constitutes proof of your agreement to be bound by them.

Before submitting an insurance application using the website, you must first review a confirmation window (the “policy summary”) which displays, along with other information, your personal details, the amount of insurance, the effective date of the policy, the termination date of the policy, the monthly premium, the renewal conditions, the risks covered, the beneficiaries of the policy and a sample contract. Subject to any provision to the contrary contained in the Consumer Protection Act applicable in Quebec, when you transmit your insurance application (by clicking on the Submit button), the application thus transmitted constitutes an offer by you to UV Insurance to purchase the insurance product described on the confirmation page (the “policy summary”), subject to the terms and conditions presented.

Use of the Portal

Your use of the portal is also subject to the conditions set out herein. The provisions of the Privacy Policy apply to the personal information available on UV Insurance’s portal and website.

When you purchase one of our products, a user account (the “portal”) is automatically created. When creating your portal, you agree to provide
UV Insurance with true and complete information as required by the questionnaire, and to update this information as necessary to keep it accurate at all times.

You are solely responsible for maintaining the confidentiality of your portal and any activity that occurs under your account.

If UV Insurance concludes that you have violated these Terms and conditions, UV Insurance reserves the right to suspend or terminate access to your account without prior notice.

UV Insurance cannot guarantee that unauthorized third parties will not defeat security measures or make wrongful use of any information you provide to UV Insurance through the website. You acknowledge that you provide your Personal Information at your own risk.

You may not use another person’s account, unless you have the account holder’s permission as their authorized agent.

Terms of Payment  

Terms of payment are determined at the sole discretion of UV Insurance. Payment will be made by credit card unless another method of payment has been accepted by UV Insurance. All credit card payments are submitted to the approval of the financial institution that issued the credit card.

By clicking on “Authorize payment,” you confirm that you are the rightful owner of the credit card.

UV Insurance uses a third-party supplier, Clover, to process your payment. Payment processing will be subject to Clover’s Terms or conditions and Privacy Policy. In other words, to use our services, you must agree to be bound by the Terms and conditions of these Third Parties.

Security  

To protect your personal information, all precautions are taken to ensure compliance with relevant legal requirements, including the Act respecting the protection of personal information in the private sector (Quebec), as amended by Bill 25, the Privacy Act (Canada), as well as recognized privacy practices.

Thus, should you provide us with your credit card information, such information is encrypted using the technology offered by the Clover system.

Validation of Contract

Immediately prior to the conclusion of the contract, a summary of the information obtained as well as the options and Terms and conditions chosen for the insurance product you are about to purchase will be made available to you.

To access the purpose of the contract, follow the online procedure and click on “____.” You will then receive confirmation of the conclusion of the contract, the applicable rules, the right of rescission and the Terms and conditions, as well as the way in which your policy will be provided.

Changes

UV Insurance reserves the right to change the Terms and Conditions of the portal and website at any time and without prior notice. You are fully responsible for all activities completed through your account associated with the portal and website. You must not disclose your login information to anyone or allow anyone to use your account. You must not connect to the portal or to the website by using someone else’s email address and password, and you agree that such a use would be a violation of the conditions of use.

Despite the security measures in place, you must remain vigilant when using the Internet. You must ensure that your login information used to access any part of the website is protected at all times.

You must notify UV Insurance immediately if you discover or suspect any unauthorized use of your login information to access the portal and the website or any other breach of security involving the portal or website.

Limitation of Liability

You acknowledge and agree that you assume all risk arising from your access to or use of the portals and the website. To the fullest extent permitted by applicable law, UV Insurance, its affiliates, directors, employees, agents, successors and assigns, shall not, under any circumstances, be held liable for damage of any type whatsoever, including but not limited to loss of use, loss of profits or loss of data, whether in contract, tort or otherwise, arising directly or indirectly, from the use or operation of the website and portals, including any damage caused by or resulting from a user’s reliance on any information obtained through the website and portals, or resulting from any error, omission, interruption, deletion of files or emails, malfunctions, viruses, delay in operation or transmission or any failure of performance.

UV Insurance is committed to doing everything in its power to ensure the best possible access to UV Insurance portals. Overall, you accept and acknowledge that your use of the UV Insurance portals, including the information you provide, is under your sole and entire responsibility. UV Insurance cannot be held responsible and will not be liable to provide compensation for any direct or indirect loss resulting from the unavailability of the portals. In no event will UV Insurance be held responsible for any damage resulting from the loss, alteration or fraudulent use of data, the accidental transmission of viruses or other harmful contents, or from the attitude or behaviour of a third party. UV Insurance will not be held liable for (i) the unavailability of the website and portals (ii) misuse of the website and portals (iii) overload of the Internet (iv) malfunctions on mobile devices used by you, (v) force majeure or any other event beyond its control.

Absence of Warranty

The services made available through the website and portals are provided to you “as is,” without warranties of any kind. To the fullest extent permitted under applicable law, UV Insurance disclaims all warranties, whether express or implied, including warranties as to non-infringement, accuracy of content and freedom from error. UV Insurance may update its website and portals without prior notice to users. Although UV Insurance strives to ensure that the information presented on its website and portals is complete and accurate, UV Insurance does not guarantee that such information is free of errors, omissions and inaccuracies.

UV Insurance does not guarantee the absence of bugs, inaccuracies, errors, or other harmful elements. The UV Insurance website and portals depend on the mobile and Internet network to function. UV Insurance declines all responsibility in case of unavailability of the network or problems linked to operating systems. No right to compensation is granted under this paragraph. UV Insurance reserves the right to cease, without notice, without compensation and at its sole discretion, permanently or temporarily, to provide all or part of the functionalities of its website and portals.

Compensation  

By using our website and portals, you agree to defend, indemnify, and hold harmless UV Insurance, its affiliates and affiliates, and their respective officers, agents, directors, employees, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) and amounts paid in settlement arising out of or related to your use of the website and portals, or your violation of the Terms and conditions or the rights of third parties. UV Insurance shall have the exclusive defence and control of any matter for which you have committed to indemnify UV Insurance and you agree to assist and cooperate with UV Insurance in the defence or settlement of any such matter.

For any authorization or information request, please contact:

UV Insurance
1990 Jean-Berchmans-Michaud street | 1 800 567-0988
Drummondville (Quebec) | Email: info@uvinsurance.ca
J2C 7G7