Canada Guaranty Mortgage Insurance Benefits

Terms Of Use

Please read the following notice before using this website.

By accessing and browsing this website you acknowledge your assent to the following terms of use without limitation or qualification. These terms may be revised at any time by the updating of this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Product Information and Website Availability

The products described in this website are available and intended only for distribution in Canada and only where they may lawfully be sold. The use of this website is restricted to persons currently residing in Canada and is intended for use only by insurance intermediaries and risk managers with appropriate knowledge of insurance products and terminology.

All information on this website, including quotations and information relating to premiums, is subject to change without notice. All dollar amounts expressed on this website, including but not limited to all amounts relating to premium, minimum premium, deductibles, policy and occurrence, and retention limits, are expressed in Canadian currency.

Many terms used in, and concepts depicted on, this website are defined terms or matters specifically dealt with in the policies of insurance to which this website material relates. In all instances it is the terms of these policies which shall govern, including such matters as the scope of coverage or the outcome of any claim.

DISCLAIMER

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND CANADA GUARANTY AND ANY OF ITS AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CANADA GUARANTY DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CANADA GUARANTY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT CANADA GUARANTY) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY CANADA GUARANTY. CANADA GUARANTY IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY CANADA GUARANTY OF THE WEBSITES OR THE CONTENT THEREOF.

Limitation of Liability 

While Canada Guaranty uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Canada Guaranty makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Canada Guaranty or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Canada Guaranty or a Canada Guaranty authorized representative has been advised of the possibility of such damages. In no event shall Canada Guaranty’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

Canada Guaranty also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website, or your downloading of any materials, data, text, images, video, or audio from this website.

Restrictions on Use of Materials

This website is owned and operated by Canada Guaranty. Except as otherwise expressly permitted by Canada Guaranty, no materials from this website or any website owned, operated, licensed or controlled by Canada Guaranty may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only in connection with investigating or obtaining an insurance product from a member company of Ontario Teachers Pension Plan, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for any other public or commercial purposes, including the text, images, audio, and video without Canada Guaranty’s written permission. Canada Guaranty neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

Jurisdictional Issues

Unless otherwise expressly set forth herein, Canada Guaranty makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so, on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Canada Guaranty. No security, insurance product or other product or service is offered or will be sold by Canada Guaranty or, if sold by Canada Guaranty, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Use of “Cookies”

A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a website’s computer and stored on your computer’s hard drive. This website uses cookies to enhance the user experience and to enable complex business transactions through a browser.

If you disable cookies on your browser, the site and associated applications may no longer function as intended.

We may share cookie information with Canada Guaranty member companies and third party business partners and service providers so that we can continue improving this site and the services available to you. We collect and share this information only in aggregated, non-personally identifiable format.

Ownership of Information

Any information, other than personal data or information, you transmit to Canada Guaranty via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Canada Guaranty. Such information, other than personal data or personal information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Canada Guaranty is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Canada Guaranty via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trade-marks and Copyrights

All trade-marked mortgage insurance products are owned by American International Group, Inc. and are used under license. Logos and icons are proprietary to Canada Guaranty. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trade-mark displayed on this website without the written permission of Canada Guaranty. Use of the trade-marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, Canada Guaranty. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Canada Guaranty. Any unauthorized use of images may violate copyright laws, trade-mark laws, the laws of privacy and publicity, and communications regulations and statutes.

Software Licenses

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of Canada and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Canada Guaranty does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

Amendment

Canada Guaranty may change, modify, add or remove portions of these terms of use at any time. Canada Guaranty will notify you of any changes to this Agreement by posting notice of such changes on this website. Your continued access and browsing following notice of such change means that you agree to and accept terms of use as amended. If you do not agree to any modification of these terms of use, you must immediately stop accessing and browsing this website.

Links

Canada Guaranty has not reviewed any or all of the sites that may be linked to this website and is not responsible for any sites linked to this website. Your linking to any sites from this website is at your own risk. Canada Guaranty has no control over other websites and is not responsible for the collection of your personal information that may be gathered on these other websites or their use of cookies or other tracking devices. By linking to a site or permitting a link to this website, Canada Guaranty does not endorse the site operator or the content of the linked site.

Applicable Law

You agree that the laws of the Province of Ontario, Canada govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

Severed Provisions and Entire Agreement

If any provision of this agreement pertaining to these terms of use is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

This is the entire agreement between us and any users of this website.

Last Revised: April 1, 2010

Copyright © 2010 - 2017 Canada Guaranty Mortgage Insurance Company. All Rights Reserved. All mortgage insurance is underwritten by Canada Guaranty Mortgage Insurance Company.

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