Legal Terms of Use 

These legal terms of use (the "Terms") apply to your use of this Web site (the "Site").

If you access and use the Site,  you  accept and agree to be bound by and comply with the Terms.  

If you do not accept the Terms, do not use the Site.

Ownership

This website is owned and operated by Dion, Durrell + Associates Inc. (DD+A)  and Alternative Risk Services, Inc. (the site operator) (“the site operator”).

Copyright

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of the site operator or of any third party.

Trademarks

DD+A and ARS and the DD+A and ARS logos are registered trademarks of the site operator. 

General

All products and services of the site operator are subject to the terms and conditions of the applicable agreements governing their use. All insurance products are subject to the limitations and conditions in the applicable policy or certificate of insurance and applicable legislation.

The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.

Local Laws; Export Control

Please note that the product(s) offered through this Website may not be available in all provinces or in jurisdictions outside Canada. The Information does not constitute an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any specific provincial jurisdiction, please contact your financial or insurance advisor.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages.

If you choose to access the Site from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

Not offering any advice

The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional.

Internet E-mail

Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. The site operator is not responsible for and will not be liable to you or any one else for any damages in connection with an E-Mail sent by you to the site operator or an E-Mail sent by the site operator to you at your request.

No Liability

The site operator is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if the site operator has been advised of the possibility of these damages.

Content

The site operator makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

The site operator has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by the site operator. the site operator will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall the site operator be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, copying or display of the content.

While the site operator believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and the site operator does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time the site operator may make changes in the products and/or services described herein, however, the site operator makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites

Some of the sites listed as links herein are not under the control of the site operator. Accordingly, the site operator makes no representations whatsoever concerning the content of those sites. The fact that the site operator has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by the site operator with respect to such site, its owners or its providers. The site operator is providing these links only as a convenience to you. The site operator has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and the site operator cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Jurisdiction

The Site is administered by the site operator from its offices in Toronto, Ontario, Canada. The Site will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.