By continuing to browse this site, you agree to our Terms of Use and with our Privacy Promise.

Terms of Use

Terms of Use 

When you access the Web site property of Macdonald Chisholm Trask Insurance (“MCT”), including all information, materials, texts, illustrations, graphics and images (the "Site"), you accept and agree to be bound by and comply with the agreement regarding the use of this Site (the "Agreement"), the terms and conditions of which are described below as well as at other locations on the Site.

We reserve the right, at our sole discretion, to modify the terms and conditions at any time without any notice to you. Such modifications are effective immediately upon posting. You agree to be bound by such modifications through your continued use of this Site. We recommend you revisit these terms and conditions periodically and your continued use of this Site will be deemed your conclusive acceptance of any modification.

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 Site. Please take a moment to become familiar with the terms and conditions. If you do not accept these terms and conditions, you should immediately discontinue the use of this Site.

Content 

The information, materials, images, illustrations, graphics, text, and postings ("Content") provided by MCT is believed to have been accurate and reliable when posted on the Site, but it cannot guarantee that it is accurate or complete or current at all times. As a result, MCT cannot be held responsible, in whole or in part, for the accuracy and completeness of the Content provided in the Site.

You agree that you are solely responsible for any Content that you create, transmit, or post on the Site (“User Content”) and that MCT has no responsibility to you or to any third party for such User Content.  In particular, without limiting the generality of the foregoing, you represent and warrant that you:

  • are the sole author and owner of the intellectual property rights thereto;
  • all "moral rights" that you may have in such content have been voluntarily waived by you;
  • all content that you post is accurate;
  • you are at least 16 years old;
  • use of the User Content you supply does not violate these Terms of Use and will not cause injury to any person or entity.

Notwithstanding the foregoing, you agree that any User Content you provide shall not contain any computer viruses, worms or other potentially damaging computer programs or files  or be offensive, discriminatory, indecent, illegal, profane or otherwise unsuitable for a public forum and further agree to indemnify MCT from any claim, loss or damage which MCT may suffer as a result of your User Content.

While MCT reserves the right to pre-screen, review, flag, filter, modify, remove or refuse any or all User Content from the Site, MCT shall not be obligated to do so and as such you understand that you may be exposed to Content that you may find offensive, indecent or objectionable and that in this respect, you use the Site at your own risk.  Without limiting the foregoing, MCT reserves the right to remove:

  • Advertisements, “spam” content, or references to other products, companies, offers, websites or third party intellectual property;
  • Email addresses, URLs, phone numbers, physical addresses or other forms of personal information;
  • Critical or spiteful comments of other reviews posted on the page or their authors; or
  • Any other comments MCT, in its sole discretion, deems inappropriate.

For any User Content that you submit, you grant MCT a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.

Interpretation and Jurisdiction 

Access and use of this Site are subject to all laws and regulations applicable in your province or territory of residence.  Please be aware that some products and services described in the Site may not be available in your province or territory of residence. Persons accessing this Site are required to obtain information about and observe any relevant restrictions.  It is your responsibility to determine if you can legally use the Site in compliance with all applicable laws.

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 Agreement.

The terms, exclusions and conditions of the contracts relating to brochures, guides, products and services mentioned on this Site are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance product purchased, and by any applicable laws and regulations. In case of any discrepancy between the contract and the Site, the contract will apply.

Security 

Once you have gained access to the Site, it is highly recommended that you do not leave the computer terminal until you have left the Site.

MCT does not warrant that any information, software or other material accessible through the Site or through links to other Web sites 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.

Privacy 

When you become a client of MCT you share important information with us, part of which is personal.  For more information, please read our Privacy Promise. MCT respects the applicable laws with regards to the collection, use and disclosure of your personal information. 

Certain section of the Site may permit the communication of personal information to take advantage of electronic services.  Any personal information submitted to the Site is used for the purpose(s) identified in its collection.

Cookies 

Cookies are small data files sent to your Internet browser that allow us and our third party service providers to recognize you when you visit the Site. If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.

We use cookies for your convenience in order to allow us to recognize you when you return to the Site, to gather information about your use of the Site, to enable the functionality of certain services available through the Site, to maintain, monitor, protect, and improve the Site, and to integrate third party services into the Site. 

Any website traffic data we collect may be shared with our affiliates in the Intact Financial Corporation group of companies consistent with the purposes set out in our Privacy Promise

We use cookies to integrate the following third party services into this Site:

Google Analytics

Google Analytics is a website analytics service provided by Google Inc. Google Analytics uses a first party cookie to report, on an anonymous basis, website traffic data such as what device and browser users used to access the Site, where they are accessing the website from, how often they visit the Site, what webpages they visit and in what order they visit them, and what other websites or webpages linked them to the Site.

Our use of Google Analytics on the Site includes Demographics and Interest Reporting and Display Network Impression Reporting (“Advertising Features”). As a result of our participation in these Advertising Features, Google Analytics also uses a third party cookie to report certain website traffic data to Google.

We use the website traffic data to help us understand who visits the Site and how visitors use the Site, to make decisions about how to improve the Site, to assess the effectiveness of our ad campaigns, and to personalize the experience of visitors of the Site based on their profile, interests and activities.

You may opt-out of Google Analytics by installing the Google Analytics browser opt-out add-on.  

AdWords & DoubleClick – Remarketing 

AdWords and DoubleClick are marketing services provided by Google Inc. AdWords and DoubleClick use a third party cookie to identify users who have previously visited the Site on third party websites who are part of the Google Display Network and other Internet ad spaces. 

We use website traffic data collected through Adobe Marketing Cloud and/or Google Analytics with AdWords and/or DoubleClick services to display ads to users who have previously visited the Site (and users similar to them) on third party websites based on their profiles, interests and activities.

You may opt out from AdWords and DoubleClick by visiting the Google opt-out page, or the Network Advertising Initiative opt-out page. 

Copyright 

The Site is protected by the Copyright Act, by the copyright laws of other countries and International Agreements on such matters, and its Content cannot be altered without infringing on MCT’s and the author’s rights and moral rights.

The Content displayed on the Site is and will remain at all times the property of MCT and/or the author, unless stipulated otherwise herein. The Content cannot, under any circumstances, be sold, reproduced, copied, modified, altered, published, distributed, uploaded, broadcast or retransmitted in whole or in part, as the case may be, without prior written consent from MCT and/or the author(s). Any unauthorized act including downloading, retransmission or other copying or modification of the Content may be a violation of any federal or other law applicable to copyrights and may give rise to legal action.

No Content from the Site may be cited on or transmitted to newsgroups, mail lists, electronic bulletin boards, blogs or incorporated into any other Internet Web site nor may links be created to this Site without indicating the source and address of the Site and without the prior written consent of MCT.

Trade-marks 

Certain names, words, titles, phrases, logos, icons, graphics or designs or other Content in the pages of the Site are, as the case may be, trade-names or trade-marks of MCT, its parent or affiliates, registered and/or used in Canada or in other countries, as the case may be, and represent only part of the intellectual property of MCT, its parent or affiliates (the "Trade-marks").

Certain names, words, titles, phrases, logos, icons, graphics or designs or other Content in the pages of the Site can constitute trade-marks or trade-names, registered or not, of third parties and may be used under licence. The users are not permitted to use these trade-marks or trade names without express consent from MCT or from the third party proprietor of these trade-marks or trade names.

Any unauthorised downloading, re-transmission, or other copying or modification of the Trade-marks and/or the Content of the Site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and give rise to legal action.

Liability 

All Content found or accessed on this Site is provided on an "AS IS" basis and without warranties of any kind, either expressed or implied. MCT completely disclaims all liability arising from the use of the Content contained on this Site by any user. Further, and without limiting the generality of the foregoing, in no event shall MCT be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising out of the use of the information herein, or in any way connected with access to or use of the Site.

Without limiting the above, MCT does not represent or warrant that the Site 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, it does not represent or warrant that the use of the Site 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 Site and its Content will not infringe the intellectual property or other rights of any third party.

When using the Site, 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 the Site.

Links 

Links from or to Internet Web sites outside this Site are meant for convenience only and you access them at your own risk. The publishers of the outside sites manage their content which are not reviewed, nor approved by MCT. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. MCT cannot guarantee that these links are functional or secure.

MCT is not responsible for damages or prejudice of any nature resulting from the use or the Content of this Site or content of other sites connected to the Site by hyperlink.