IBAO Website

PRIVACY POLICY AND LEGAL DISCLAIMER

The Insurance Brokers Association of Ontario (IBAO) values the privacy of our members and visitors to our microsite. Personally identifiable (Personal Identity) information may be required in order to submit a comment on the microsite page. This information is intended to help create a community environment where open conversations and information sharing is encouraged. We do not sell or distribute personal information collected to any third party individuals, organizations, businesses, associations, or corporations. Should a visitor wish to access, correct or delete any information that may have been posted, please contact community@ibao.on.ca.

Information Provided by You

Any information provided by you to the IBAO, including but not limited to feedback, data, questions, comments, suggestion or the like, shall be deemed to be non-confidential. The IBAO shall have no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose and distribute the information to others without limitation. Additionally, the IBAO shall be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such information. However, the IBAO will not use your name or otherwise publicize the fact that you submitted materials or other information to the IBAO unless: (a) we ask your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or (c) we are required to do so by law.

The Content

The IBAO microsite is published by and reflects the views of its author(s), and users are responsible for all content they post, including truthfulness and accuracy of information. Microsite posts and comments are posted by members of the public and may not necessarily represent the views of the IBAO or its members. No representation is made about the accuracy of the information. The information contained in the microsite pages are provided only as general information, and microsite topics may or may not be updated subsequent to their initial posting.

The IBAO 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 IBAO hereby disclaims all warranties and conditions with regard particular purpose, title and non-infringement. In no event shall the IBAO 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, negligence or other tortuous actions, arising out of or in connection with the use, copying or display of the content.

Although the IBAO believes the content to be accurate, complete and current, the IBAO makes no warranty as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. From time to time changes are made to the content herein. The IBAO may make changes in the products and/or the services described herein at any time.

Links to Other Sites

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

Notices regarding software, documents and services available on this web site
In no event shall the IBAO and/or its respective suppliers be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use or performance of software, documents, provision of or failure to provide services, or information available from the services.

Termination of Use

You agree that the IBAO may, in its sole discretion, at any time terminate your access to the Site and any account(s) you may have in connection with the Site.

Trademarks

The BIPPER and the IBAO logo are registered trademarks. All other trademarks are either owned by IBAO or by other companies.

Copyright Notice

The content of this site, including but not limited to the text and images herein and their arrangement, are copyright © by The Insurance Brokers Association of Ontario (IBAO), 1 Eglinton Avenue East, Suite 700, Toronto, Ontario, M4P 3A1. All rights reserved.

For more information about IBAO’s Privacy Policy, please contact our Privacy Officer, Paul Taylor at 416-488-7422 or toll free at 800-268-8845.