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Terms and Conditions
Acceptance of Conditions
By accessing and navigating through the Grey Power Insurance Brokers Inc. (“Grey Power”) website, including without limitation, all information, materials, texts, illustrations, graphics and images (“Website”), you agree to and accept, without limitation or qualification, the Terms and Conditions contained below. You further agree that Grey Power may, at any time, revise these Terms and Conditions without any notice to you. You agree to be bound by such revisions through your continued access, and we strongly recommend you revisit these Terms and Conditions periodically.
These Terms and Conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on this Website. Please take a moment to become familiar with these Terms and Conditions. If you do not accept these Terms and Conditions, you should discontinue your use of this Website immediately.
Information Accuracy
Although the contents of this Website are deemed accurate and reliable when posted, Grey Power cannot guarantee this information to be current, accurate or complete at all times. The contents of this Website may change and be updated at any time without notice to you, and Grey Power has no obligation to update the content of this Website.
Content
The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, insurance, accounting or tax advice, and should not be relied upon in this regard. The content of this Website is for informational purposes. For specific details and further enquiries, please contact a Grey Power broker by clicking here.
Product Availability
Please be aware that some products and services described on this Website may not be available in all geographic regions within or outside the country of Canada. Products are offered by Trafalgar Insurance Company of Canada (“Trafalgar”). Services provided by Grey Power.
Obtaining an Insurance Quote
This Website offers a secure way of obtaining an insurance quote. To process your request, you must declare all known facts which are likely to materially influence Trafalgar in the setting of the premium, the appraisal of the risk or the decision to provide coverage. The insurance quotes provided to you are based on the information you, the user, provide and Trafalgar’s underwriting criteria. Hence, the information provided to Trafalgar must be correct; otherwise, it is possible that you will be unable to obtain an insurance quote online.
All quotes are subject to verification by a Grey Power broker. Please ensure that all information provided is accurate and complete. In the event that there are any discrepancies between the quotes being provided by this system and the quotes advised by a Grey Power broker based on the same information, the quotes advised by the Grey Power broker shall govern.
The quotes offered are only available in Ontario, Alberta, Nova Scotia, New Brunswick and Prince Edward Island, unless stated otherwise. Not everyone will qualify for a quote. Offers may change without notice.
If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, we reserve the right to refuse to issue you an insurance contract based on this fact.
Confidentiality and Privacy
When you contact a Grey Power broker to obtain an insurance quote, certain information must be occasionally collected, part of which may be personal. For more information, please read the Privacy Promise carefully. Additionally, if you are interested in finding out more about Trafalgar’s privacy practices, please read Trafalgar’s Privacy Promise.
Rest assured, Trafalgar and Grey Power respect the applicable laws with regard to the use of your personal information. Trafalgar and Grey Power protect personal information that has been transmitted and communicated using various means: physical, organizational and technological in accordance with the level of protection required.
Certain sections of this Website may permit the communication of personal information to take advantage of electronic services.
Copyright and Trademarks
The Website is protected by the Copyright Act, by the copyright laws of other countries and by International Agreements on such matters, and its content cannot be copied and/or altered without infringing on Grey Power's and the author's rights and his/her moral rights.
The texts, illustrations, graphics and images displayed on the Site are and will remain at all times the property of Grey Power and/or the author(s), unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published, distributed, uploaded, broadcast or retransmitted, in whole or in part, as the case may be, without prior express permission from Grey Power and/or the author(s).
No content from the Website may be cited on or transmitted to newsgroups, mail lists, electronic bulletin boards, blogs or incorporated into any other Internet Website nor may links be created to this Website without indicating the source and address of the Website and without the prior written consent of Grey Power.
Trademarks
Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of this Website are, as the case may be, trade-names or trade-marks of Trafalgar, Grey Power and their affiliated companies. In addition, certain names, words, titles, expressions, phrases, logos, icons, graphics or designs or other content in the pages of the Website, as the case may be, are trade-names or trade-marks of Intact Financial Corporation, its affiliated companies, its subsidiaries, registered and/or used in Canada (marks) or in other countries, as the case may be, used by Grey Power under license.
Certain names, words, titles, phrases, logos, icons, graphics or designs and/or other content in the pages of this Website can constitute trade-marks or trade-names, registered or not, property of third parties and may be used under license. The display of trade-marks and trade-names on pages of this Website does not imply that a license of any kind has been granted to anyone else. You are not permitted to use these marks or names without express consent from Grey Power and/or its related entities or from the third party proprietor of these marks or names. Any unauthorised downloading, re-transmission, or other copying or modification of trade-marks, trade-names or the content of the Website is strictly forbidden and may be a violation of any federal, provincial or other law that may apply to trade-marks and/or copyrights and give rise to legal action.
Notwithstanding the above, the following notices, which are not exhaustive, apply: ™My Car and Home is a trademark of Intact Financial Corporation, used under license.
®Grey Power and Grey Power & Tag Design are registered trade-marks of Intact Financial Corporation, used under license.
The following are registered trade-marks of Intact Insurance Company, used under license:
Responsible Driver Guarantee®
Rely Network®
My Home®
My Achiever®
My Condo®
My Name®
My Boat®
My Garden®
My Treasures®
TravelWell®
Security
Entering personal data on this Website is not only easy but also safe. This Website uses an Apache server with SSL (Secure Socket Layer) protocol, among the best Internet security software in the world, and Entrust.net certificates for securing the exchange of confidential data. This security technology encrypts the personal information that you transmit via this Website (including things like names, addresses, emails and telephone numbers), to prevent access/reading by anyone as it travels over the Internet. Grey Power will evaluate and adopt new security technology as it becomes available, and is not under any obligation to do so.
You can find out when the secure SSL connection is activated by looking for the key or padlock icon in the lower corner of your browser window. If the key becomes whole, or the padlock becomes closed, this indicates that the browser is now in "secure" mode.
This Website follows generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while this Website strives to use commercially acceptable means to protect your personal information, Grey Power cannot guarantee its absolute security. Once you have gained access to the Website, it is highly recommended that you do not leave the computer terminal until you have left the Website.
Grey Power does not warrant that any information, software or other material accessible through the Website or through links to other Websites is free of viruses, worms, Trojan horses or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured.
If you have any questions about security on this Website, you can contact us at 1-855-296-2525.
Cookie Tracking Method
Cookies are small data files sent to the Internet browser when a user visits an Internet site. Cookies record information on the visitors or on the pages visited.
Grey Power may use cookies in order to facilitate your future visits on this Website. They do not contain or transmit any personal information.
Grey Power has retained the services of a specialized firm to help it evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our Website. To this end, Grey Power uses Internet tags and cookies provided by this firm and added to the web pages. We gather only information pertaining to your behaviour on our Website, such as the pages you visit; no personal information is gathered.
Please note that you have the option to set your browser to decline our cookies. If you choose not to receive cookies from this Website, you may not be able to use all the services available on the Website. These cookies are not tied to your personally identifiable information.
For Your Protection
Your password is your private, secret entry code to your account information at this Website. It is required when you first log in to view or to modify your saved information for quote purposes. Your password keeps your quote information private and secure and you can change it as many times as you like while the quote is still available.
Notification of changes
If we decide to change our Privacy Promise, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify the Privacy Promise at any time, so please review it frequently. If we make material changes to the Privacy Promise, we will notify you here, by email or by means of a notice on our homepage.
Legal disclaimer
Grey Power reserves the right to disclose your personally identifiable information as is required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.
If you have any concerns
We are committed to providing excellent service to you. However, if you have a concern or complaint, please contact us, because we are also committed to working with you to achieve a resolution and following through to a successful conclusion as quickly as possible. In most cases, complaints are resolved simply by discussing it with us. You should be able to get swift results by calling 1-855-296-2525.
Hypertext Links
This Website facilitates other Worldwide Websites via hypertext links. These hypertext links are meant for convenience only and you access them at your own risk. These linked websites are entirely independent of Grey Power and shall NOT in any manner be construed as an endorsement, a guarantee or a recommendation of such site or entity or its respective products or services offered on those websites. Grey Power cannot guarantee that these links are functional or secure. The creators and owners of the linked websites manage their own content which is not reviewed, endorsed, recommended nor approved by Grey Power.
You access these sites at your own risk. Grey Power cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of this Website or of other sites connected to this Website by hyperlink.
Neither Grey Power brokers nor Trafalgar will accept transactions or instructions by Internet email messages. However, questions of a general nature or inquiries may be communicated by submitting your question online.
Any communication transmitted to a Grey Power broker or Trafalgar by electronic means becomes the property of Grey Power or its affiliates, or of Trafalgar or its affiliates, as the case may be, and you consent that it may be used for any purpose including the ability to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.
Liability
Grey Power, its parent, affiliated companies, officers, directors, employees or any persons associated with the creation of this Website (“Disclaimed Parties”) disclaim all liability arising from the use of the information contained on this Website or in any way connected with access to or use of this Website by any user including, without limitation, any direct, indirect, special, incidental, third party or consequential damages, losses, claims or expenses howsoever caused.
The materials and information on this Website are provided as is, and without warranties of any kind, either expressed or implied.
Without limiting the above, the Disclaimed Parties do not represent or warrant that the Website or its content will be available or will function without interruption or that it will be free of errors or that any errors will be corrected. In addition, the Disclaimed Parties do not represent or warrant that the use of the Website and, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other destructive or disruptive components or that your use of the Website and its content will not infringe the intellectual property or other rights of any third party.
When using this Website, you have to take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using this Website.
Interpretation and Jurisdiction
When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.
Access and use of this Website are subject to all laws and regulations applicable in your province or territory of residence. By accessing and browsing this Website, visitors agree that the applicable laws of the Province of Ontario and Canada apply to any issue that might arise with Trafalgar regarding this site, and to settle such dispute in a competent court in the Province of Ontario.
Persons accessing this Website are required to obtain information about and observe any relevant restrictions.
If any term or condition is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions of the Terms and Conditions.
The terms, exclusions and conditions of the contracts relating to products and services mentioned on this Website are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance product and/or service purchased, and by any applicable laws and regulations. In case of any discrepancy between the contract and this Website, the contract will apply.
Only Canadian residents who can validly be bound by an agreement under applicable laws can use this Website. Individuals residing in an area where the access to or use of the Website or any part of is illegal or prohibited are not permitted to use the Website. It is your responsibility to determine if you can legally use this Website in compliance with all applicable laws.
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