Terms Of Service

WEBSITE TERMS OF USE AGREEMENT

Thank you for visiting LifeAssure.com (the “Website”). This website is offered to you by Life and Home Security Services Group Inc. 1760 Main Street, Winnipeg, MB, R2V 1Z7 Canada (“Life Assure,” “we,” or “us”)

PLEASE READ THIS TERMS OF USE AGREEMENT (“TERMS OF USE,” THE/THIS “AGREEMENT”) CAREFULLY. YOU SHOULD REVIEW THIS AGREEMENT EACH TIME YOU VISIT THE WEBSITE.

The following Terms of Use govern your access and use of this Website. Specific terms and conditions may apply to specific content, data, materials, or information contained on or available through this Website (the “Content”) and to specific data or information you may submit to the Website (“User Submissions”) or to transactions concluded through this Website. Such specific terms are in addition to these Terms of Use or, where (and then only to the extent) expressly specified, may supersede these Terms of Use.

1. Acceptance Of Terms Of Use

By accessing or using this Website, you agree to be legally bound by the within Terms of Use and all terms and conditions contained or referenced herein or any additional terms and conditions set forth on this Website. IF YOU DO NOT AGREE TO ALL OF THE TERMS (INCLUDING ANY REFERENCED POLICIES OR TERMS), YOU SHOULD IMMEDIATELY DISCONTINUE YOUR ACCESS AND USE OF THIS WEBSITE OR ANY PORTION THEREOF. IF YOU DO NOT AGREE TO ANY TERMS OR CONDITIONS, PLEASE EXIT AND DISREGARD ALL INFORMATION CONTAINED HEREIN.

2. Modification Of Terms

These Terms of Use may be amended by Life Assure at any time. Such amended Terms of Use shall be effective upon being posted to the Website. If you do not agree to, or cannot comply with, the Terms of Use as amended, you should not use this Website. By continuing to access or use the Website after such posting, you will be deemed to have accepted such amendments. You are advised to regularly review any applicable terms and conditions.

3. Use Of The Website/Content

You must be 18 years or older to access or use this Website.

The proprietary software, consent, and materials underlying the Website are works protected under copyright and other intellectual property laws (see Section 9 herein for more details).

We grant you a limited, non-exclusive, non-transferable, personal, non-commercial license to access and use this Website. We reserve all rights, titles, and interests not expressly granted under this license to the fullest extent possible under applicable laws. ANY USE OF THIS WEBSITE NOT SPECIFICALLY PERMITTED UNDER THIS AGREEMENT IS STRICTLY PROHIBITED.

You agree that you will: (i) not use this Website to reproduce copyrighted material; (ii) not copy, store, edit, change, prepare any derivative work of, alter, or distribute in any way any of the content provided on this Website; (iii) comply with applicable laws and not use the Website for any illegal purpose or in any way that violates these Terms of Use, any applicable laws or regulations; (iv) not remove, alter, or obscure any proprietary notices in any portion of the Website or the Content; (v) impersonate any person or entity or misrepresent your affiliation with any other person or entity; (vi) not interfere with or disrupt the use and enjoyment of the Website or the Content by other users; and (vii) not use any type of automated means to utilize or access the Website or Content; or (viii) engage in any activities that would violate the privacy rights of others; (iix) not reverse engineer, disassemble, or decompile any portion of the Website or the Content or otherwise attempt to discover or re-create the source code to the Website or the Content;

You may display, download, or print hard copies of any Content contained on this Website for your own personal, non–commercial use, as long as you do not modify the Content or delete any copyright, trademark, or other proprietary notice. Any other use of the Content contained on this Website is strictly prohibited without our express written consent.

4. Disclaimers

ALL INFORMATION (INCLUDING, WITHOUT LIMITATION, TEXT, IMAGES, GRAPHICS, LINKS, AND OTHER MATERIALS) ON THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE”. LIFE ASSURE AND ITS SUBSIDIARIES, AFFILIATES, PARTNERS, LICENSORS, BRAND LICENSEES AND SUPPLIERS HEREBY EXPRESSLY DISCLAIM TO THE EXTENT PERMITTED BY LAW ANY REPRESENTATIONS, CONDITIONS OR WARRANTIES OF ANY KIND, EITHER LEGAL, EXPRESS OR IMPLIED, ARISING FROM STATUTE, COURSE OF DEALING, USAGE OF TRADE OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES AND CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, QUALITY OR FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR AS TO THE OPERATION OF THIS WEBSITE OR THE CONTENT. Neither Life Assure nor its subsidiaries, affiliates, partners, licensors, brand licensees and suppliers warrants or makes any representations that (i) the Website will meet your requirements, (ii) the Website will be uninterrupted, timely, secure, or error free, or (iii) the results that may be obtained from the use of the Website (including any information and materials on this Website) will be correct, complete, accurate, reliable, or otherwise meet your requirements.

Life Assure and its subsidiaries, affiliates, partners, licensors, brand licensees and suppliers shall have no liability for interruptions or omissions in Internet, network or hosting services and do not warrant that the Website or the services which make this Website available or electronic communications sent by Life Assure are free from viruses or any other harmful elements.

Links from or to third-party websites outside this Website are meant for convenience only. Life Assure does not review, endorse, approve or control, and is not responsible for any sites linked from or to this Website, the content of those sites, the third parties named therein, or their products or services. Linking to any other site is at your sole risk. Life Assure is in no way responsible for the content of any site owned by a third party that may be linked to the Website via hyperlink, whether or not such hyperlink is provided by the Website or by a third party in accordance with the Terms of Use. Any link on our Website to another site is not an endorsement of such other site and no judgment or warranty is made with respect to the accuracy, validity, legality, timeliness, or suitability of the content of any site to which the Website may link, and we take no responsibility therefor.

Any material downloaded or otherwise obtained through the use of this Website, including via hyperlink to third-party downloadable software sites, is done at your own discretion and risk and Life Assure is not liable for any difficulties or consequences associated with downloading such software. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

5. Privacy

Please be advised that this Website is public by nature and that any unprotected communication over the internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential and subject to possible interception, loss, and possible alteration. Do not submit or send us anything via this Website that you deem to be confidential.

By participating in our 'Refer a Friend' program, you confirm that you have obtained the consent of the individual for whose personal information you provide to Life Assure.

You can find more information on Life Assure’s policies with respect to the collection and use of personal information in our Privacy Policy located on the Website: www.lifeassure.com/privacy

6. User Submissions

By submitting any materials or information to the Website (such as via the “Contact Us,” “Refer a Friend,” or “Join Our Dealer Network” page), you agree that the material or information will be proper, constructive and relevant and will not contain any item that may be unlawful or otherwise unfit for publication, including but not limited to items that (1) may be defamatory or injurious to another person or entity, (2) may cause harm to any person or property or otherwise defame or harass any person or organization, (3) may violate any legal rights of any person (including right to privacy or publicity, copyrights, trademarks and patents, or any confidentiality obligation), (4) are pornographic, obscene, profane, vulgar, indecent, or threatening, or otherwise objectionable, or (5) suggest or encourage any illegal activity.

You will use reasonable efforts to scan and remove any viruses or other contaminating or destructive features before submitting any material or information. You also shall not transmit chain letters, pyramid schemes, surveys, and solicitations via the Website. You shall also not forge headers or manipulate identifiers or other data in order to disguise the origin of any materials or information transmitted through the Website or to manipulate your presence on the Website. You shall not interfere with or disrupt our sites, servers or networks or take any action that imposes an unreasonably or disproportionately large load on our infrastructure.

7. Feedback

Please be advised that any feedback data, such as user reviews, comments, suggestions, or the like regarding the Website is non-confidential. We have no obligation to you of any kind with respect to such feedback and are free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the feedback to others without limitation.

8. Limitation Of Liability

IN NO EVENT SHALL LIFE ASSURE OR ANY OF ITS SUBSIDIARIES, AFFILIATES, PARTNERS, LICENSORS, BRAND LICENSEES OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, PUNITIVE, SPECIAL OR INCIDENTAL OR OTHER DAMAGES RESULTING FROM, ARISING OUT OF OR IN CONNECTION WITH: (i) THE ACCESS, USE OF, OR INABILITY TO ACCESS OR USE THIS WEBSITE OR THE CONTENT, INLCLUDING ANY DAMAGE CAUSED BY ANY RELIANCE ON, OR DELAYS, INACCURACIES, ERRORS OR OMISSIONS IN, ANY INFORMATION AND CONTENT ACCESSED OVER THE WEBSITE (ii) ANY GOODS OR SERVICES DISCUSSED, PURCHASE OR OBTAINED, DIRECTLY OR INDIRECTLY, THROUGH THE WEBSITE OR OTHERWISE EVEN IF LIFE ASSURE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Copyright And Trademarks

Copyright and all other proprietary rights in Content provided by Life Assure, its subsidiaries, affiliates, partners, licensors, brand licensees and suppliers, the software to operate and publish the Website, the compilation of data on the Website, and the order, sequence and arrangement of this Website, all belong to Life Assure and/or its subsidiaries, affiliates, partners, licensors, brand licensees and suppliers. All rights in the Content not expressly granted herein are reserved.

The name “Life Assure” and all other registered trademarks of Life Assure and its affiliates are important assets of Life Assure. Proper use of these trademarks is important and you should follow the instructions of Life Assure when referencing our company’ products and services. The use and registration of the “Life Assure” name is exclusively reserved to our company. You may not register nor use a company name, statutory name, trade name, domain name or other name, indication or description, of which the Life Assure name or any name similar thereto or any name which consists of a part of the Life Assure name forms part nor may you use any other registered trademark owned by Life Assure.

10. Copyright Infringement

If you know or suspect that any of the materials on this Website have been used or copied in a way that constitutes copyright infringement, please contact Life Assure at www.lifeassure.com/contact

11. Indemnification And Release

You agree to indemnify and hold harmless Life Assure, its subsidiaries, affiliates, partners, licensors, brand licensees and suppliers and each of their respective officers, directors, employees, shareholders, legal representatives, agents, successors and assigns, from and against any damages, liabilities, costs, and expenses (including reasonable attorneys’ and professionals’ fees and litigation costs) that arise out of your access and use of the Website and any content, messages, data, material and information you submit, post, or transmit through this Website, or any violation of these Terms of Use by you or your violation of any rights of another. In the event of any complaint or legal action arising from any materials and information submitted by you, Life Assure reserves the right to reveal your identity and any other information Life Assure may have about you.

If you have a dispute with one or more users, you release Life Assure, its subsidiaries, affiliates, partners, licensors, brand licensees and suppliers and each of their respective officers, directors, employees, shareholders, legal representatives, agents, successors and assigns from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

12. Changes To The Website; Shut down Website;

Life Assure reserves the exclusive right to (i) make changes to the Website/Content or (ii) shut down or make the Website/Content or any part thereof unavailable, for any reason and at any time and for any length of time, without notice or consent. We have no responsibility or liability for failure to store or delete any data, messages, materials or information submitted by you to the Website.

Life Assure reserves the exclusive right to restrict, refuse, or terminate the access of any person to the Website/Content or any part thereof effective immediately without notice or consent for any reason at its sole discretion.

Additionally, your rights under this Agreement shall terminate automatically if you fail to comply with any of the terms and conditions of this Agreement or with any other policy or rule. Upon termination, you must immediately stop using the Website. Life Assure shall have no obligation to return any information or materials you provided to them in the course of using the Website.

13. Life Assure Products

Life Assure tries to ensure that the information posted on this Website is correct and up-to-date, however, Life Assure cannot and does not guarantee that the product images, available features, services, or specifications displayed or described on the Website are or will remain accurate or complete. Further, Life Assure reserves the right to change or make corrections to any of the information at any time and without prior warning, including to update the products, images, available features, services or specifications.

The Website may also contain references to specific Life Assure products and services that may not be readily available in a particular jurisdiction. Any such reference does not imply or warrant that any such products or services shall be available at any time in any particular jurisdiction. Please contact Life Assure for current information on what products & services are available to you.

For more information on the terms and conditions respecting Life Assure’s products and services, please see Life Assure’s Product and Service Terms & Conditions: www.lifeassure.com/terms

14. Applicable Law

If you live in a jurisdiction that does not allow any of the within disclaimers of warranty, exclusions, or limitations of liability (such as in some circumstances if you are a consumer residing in Quebec), such disclaimers, exclusions, or limitations may not apply to you but only to the extent that such disclaimers, exclusions, or limitations are not allowed. In such case, such disclaimers, exclusions, or limitations shall be effective to the greatest extent permitted by applicable law.

To the extent permitted by law, these Terms of Use shall be governed by and construed in accordance with the laws of the Province of Manitoba, Canada, without reference to its conflict of laws provisions, and the federal laws of Canada applicable therein. To the extent permitted by law, you agree to the non-exclusive jurisdiction of the courts in Manitoba, Canada for any disputes, claim or cause of action arising out of, or relating to or in connection with these Terms of Use or your use of this Website, including any disputes relating to the existence or validity of these Terms of Use, and you agree to submit any such disputes, claims or causes of action exclusively to the courts of Manitoba, Canada.

15. Notices; Announcements

We may provide notices to you, including notice of any changes to this Agreement, by displaying such notices on the Website.

16. Severability

If any provision of this Agreement is held to be unenforceable for any reason, such provision will be reformed only to the extent necessary to make it enforceable, and such decision will not affect the enforceability of such provision under other circumstances, or of the remaining provisions hereof under all circumstances.

17. Entire Agreement

Except for any agreements or policies explicitly referenced herein, this Agreement constitutes the complete and entire agreement between you and us as it pertains to the Website. We reserve all rights not granted in this Agreement.

18. No Waiver

No failure on the part of Life Assure to enforce any part of these Terms of Use shall constitute a waiver of any of Life Assure’s rights under these Terms of Use, whether for past or future actions on the part of any person. Neither the receipt of any funds by Life Assure nor the reliance of any person on Life Assure’s actions shall be deemed to constitute a waiver of any part of these Terms of Use. Only a specific, written waiver signed by an authorized representative of Life Assure shall have any legal effect whatsoever.

19. Headings

The headings of the sections of the Terms of Use are inserted for convenience only and shall not constitute a part hereof or affect in any way the meaning or interpretation of the Terms of Use.

20. Language

It is the express wish of the parties that these Terms of Use and all related documents be drawn up in English. C’est la volonté expresse des parties que la présente convention ainsi que tous les documents y afférents soient rédigés en anglais.

Last Update: 2024-03-01

 

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