Terms and conditions
- Terms and conditions
Terms and conditions
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. Moreover, nothing on this site constitutes an offer to buy or sell the products and services of UV Insurance; nor is anything on this site intended to promote such products and services in other territories.
Acceptance of Conditions
The information and data contained on this site 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 site.
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.
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.
- to recognize you when you return to the website;
- to collect information about your use of the website;
- to enable the features of some services available on the website;
- to manage, monitor, protect and improve the website;
- to integrate third party services.
Please know that our advertising partners do not collect your personal information, such as your name, mailing address, email and telephone number.
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.
Copyrights and Trademarks
UV Insurance is a registered trademark of UL Mutual Insurance Company. UV Insurance is licensed to use such trademarks. 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, trademark, 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:
- this website will meet your requirements;
- this website will experience no disruptions, delays, failures, security flaws or errors; or
- 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. Although the services and this website may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program.
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.
Use of the Portal
By using the online services, you agree that the use of your email address and password, where applicable, constitute your signature. You further acknowledge that by checking a box and/or clicking on buttons such as “OK”, “Send”, “Accept” or anything similar, you are accepting the terms and conditions applicable and to be legally bound by them.
UV Insurance reserves the right to change the terms and conditions of the portal at any time and without prior notice. You are fully responsible for all activities completed through your account associated with the portal. You must not disclose your login information to anyone or allow anyone to use your account. You must not connect to the portal 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 or any other breach of security involving the portal.
For any authorization or information request, please contact:
1990 Jean-Berchmans-Michaud street | 1 800 567-0988
Drummondville (Quebec) | Email: firstname.lastname@example.org