Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR USE OF THIS WEBSITE AND YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. BY ACCESSING OR USING THIS WEBSITE, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

The website www.spotpetinsurance.ca and related websites (together, the “Spot Pet Insurance Website”) are owned and operated by Spot Pet Insurance Services, ULC and its subsidiaries (together, “Spot Pet Insurance”).

Your access to the Spot Pet Insurance Website is subject to the following terms of use (the “Terms of Use”) as well as all applicable laws. By accessing and using the Spot Pet Insurance Website, you accept and agree to the Terms of Use without limitation or qualification and acknowledge that any other agreements you may have with Spot Pet Insurance or its affiliates are superseded by the Terms of Use. Spot Pet Insurance may revise the Terms of Use at any time and without notice to you and your use of the Spot Pet Insurance Website following such revisions constitutes your acceptance of the revised Terms of Use. You should therefore review the Terms of Use on a regular basis.

The Terms of Use, the Acceptable Use Policy and the Privacy Policy, constitute the entire agreement between you and Spot Pet Insurance pertaining to the use of the Spot Pet Insurance Website.

Spot Pet Insurance controls the Spot Pet Insurance Website from its offices in Ontario, Canada. All matters relating to access to, use of, or purchases through the Spot Pet Insurance Website will be adjudicated by the courts of Ontario and will be governed by the laws of Ontario and the federal laws of Canada applicable to Ontario. The United Nations Convention on Contracts for the International Sale of Goods will not apply; and you are responsible for complying with all local laws. Spot Pet Insurance reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site.

Use of the Site

Unless otherwise specifically indicated, you may download material displayed on the Spot Pet Insurance Website for personal, non-commercial use only and you may not distribute, modify, transmit, use, or reuse any of the contents of the Spot Pet Insurance Website for any public or commercial purpose without the written consent of Spot Pet Insurance or any third party identified by Spot Pet Insurance. You must retain all copyright and other proprietary notices on downloaded and/or copied material. Any copy of material from the Spot Pet Insurance Website you make and distribute for any purpose must also include these Terms of Use. You may not access or use the Spot Pet Insurance Website in any way that could or is intended to damage or impair the Spot Pet Insurance Website, or any server or network underlying the Spot Pet Insurance Website, or interfere with anyone else’s use and enjoyment of the Spot Pet Insurance Website.

Intellectual Property

You should assume that everything on the Spot Pet Insurance Website is copyrighted unless otherwise noted and that it must not be used except as provided in the Terms of Use or with the express written consent of Spot Pet Insurance or any third party identified by Spot Pet Insurance NEITHER WARRANTS OR REPRESENTS THAT YOUR USE OF THE MATERIAL DISPLAYED ON THE Spot Pet Insurance WEBSITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES. Any product, service, program, or technology described on the Spot Pet Insurance Website may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by Spot Pet Insurance. Any such right that is not expressly licensed herein is reserved by Spot Pet Insurance.

Images of people or places displayed on the Spot Pet Insurance Website are either the property of, or used with permission by, Spot Pet Insurance. Use of these images by you or other third parties is prohibited unless expressly permitted in the Terms of Use or elsewhere on the Spot Pet Insurance Website. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes. Any product, service, program or technology described in any document published by Spot Pet Insurance on the Spot Pet Insurance Website may be the subject of other intellectual property rights owned by Spot Pet Insurance. Any such right that is not expressly licensed hereunder is reserved by Spot Pet Insurance.

Trademarks

The trademarks, logos, and service marks displayed on the Spot Pet Insurance Website (collectively the “Trademarks”) are registered and unregistered trademarks of Spot Pet Insurance and others. Nothing contained on the Spot Pet Insurance Website should be construed as granting by implication, estoppels, or otherwise, any license or right to use any Trademark without the written permission of Spot Pet Insurance or such third party that may own the Trademark. Misuse of any Trademarks or any other content displayed on the Spot Pet Insurance Website is prohibited. Spot Pet Insurance aggressively enforces its intellectual property rights, including via civil and criminal proceedings.

Submissions

Except for your personal information, any communication or material you send to the Spot Pet Insurance Website, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions is and will be treated as non-confidential and non- proprietary. Anything you send to the Spot Pet Insurance Website may be used by Spot Pet Insurance for any purpose including but not limited to modification, reproduction, transmission, disclosure, publication, broadcast, and posting. By submitting material to the Spot Pet Insurance Website, you irrevocably transfer and assign to Spot Pet Insurance, and forever waive and agree never to assert, any copyrights, “moral” rights, rights of publicity or to privacy, or any other intellectual property or proprietary rights that you may have in such material. Spot Pet Insurance is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the Spot Pet Insurance site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products and services.

By using this site, you may submit, or Spot Pet Insurance may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, Spot Pet Insurance is free to use such information for any purpose it deems appropriate.

No Warranties and Limitation of Liability

TO THE MAXIMUM EXTENT PERMISSIBLE BY APPLICABLE LAW, Spot Pet Insurance DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND/ OR CONDITIONS, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THERE IS NO WARRANTY THAT ANY INFORMATION OR SERVICE PROVIDED OR REFERENCED BY THE Spot Pet Insurance WEBSITE IS EITHER ACCURATE, THAT SUCH INFORMATION OR SERVICE WILL FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS, OR THAT SUCH INFORMATION OR SERVICE DOES NOT INFRINGE ON ANY THIRD PARTY RIGHTS. EXCEPT FOR ANY EXPRESS WARRANTIES STATED ON THIS SITE, IF ANY, THE INFORMATION AND SERVICES PROVIDED OR REFERENCED ON THIS SITE ARE PROVIDED “AS IS,”“AS AVAILABLE,” AND WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH THE USER.

WHILE Spot Pet Insurance MAY USE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THE Spot Pet Insurance WEBSITE, Spot Pet Insurance MAKES NO WARRANTIES OR REPRESENTATIONS AS TO ITS ACCURACY, TIMELINESS, OR COMPLETENESS. Spot Pet Insurance MAY PERIODICALLY ADD, CHANGE, OR IMPROVE ANY OF THE INFORMATION, PRODUCTS, SERVICES, PROGRAMS AND TECHNOLOGY DESCRIBED ON THE Spot Pet Insurance WEBSITE WITHOUT NOTICE. Spot Pet Insurance ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF THE Spot Pet Insurance WEBSITE.

YOUR USE OF THE Spot Pet Insurance WEBSITE IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT ALLOWED BY LAW, NEITHER Spot Pet Insurance NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE Spot Pet Insurance WEBSITE IS LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, HOWEVER CAUSED, ARISING OUT OF YOUR ACCESS TO, USE OF, OR RELIANCE ON THE Spot Pet Insurance WEBSITE, EVEN IF Spot Pet Insurance HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FOR EXAMPLE, Spot Pet Insurance ASSUMES NO RESPONSIBILITY FOR, AND WILL NOT BE LIABLE FOR, ANY DAMAGES TO OR ANY VIRUSES WHICH MAY AFFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR DOWNLOADING FROM, THE Spot Pet Insurance WEBSITE.

PLEASE NOTE THAT SOME JURISDICTIONS MAY RESTRICT OR DISALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

Disclaimers

Spot Pet Insurance is not responsible for any incorrect or inaccurate content or information posted on the Spot Pet Insurance Website or in connection with Spot Pet Insurance, whether caused by advertisers of the Spot Pet Insurance Website or by any of the equipment or programming associated with or utilized in the Spot Pet Insurance Website. Inclusion of any linked website on the Spot Pet Insurance Website does not imply approval or endorsement of the linked website by Spot Pet Insurance. When you access these third-party sites, you do so at your own risk. Spot Pet Insurance takes no responsibility for third party advertisements which are posted on the Spot Pet Insurance Website, nor does it take any responsibility for the goods or services provided by its advertisers. Spot Pet Insurance assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any communication. Spot Pet Insurance is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on the Spot Pet Insurance Website or combination thereof.

Links

Spot Pet Insurance has not reviewed all of the sites which are linked to or from the Spot Pet Insurance Website, and the fact of such links does not indicate any approval or endorsement of any material contained on any linked website. Spot Pet Insurance is not responsible for the contents of any site linked to or from the Spot Pet Insurance Website; and your connection to any such linked website is at your own risk.

International Information

Spot Pet Insurance does not warrant or represent that all information on the Spot Pet Insurance Website is applicable outside of Canada. You should check the applicability of any information on this site to you, your organization, and your jurisdiction.

Solicitation and Forum Usage

You shall not, without the express approval of Spot Pet Insurance, distribute or otherwise publish any material containing any solicitation of funds, promotion, advertising, or solicitation for goods or services. You specifically acknowledge that soliciting other members to join or become members of any commercial online service or other organization is expressly prohibited. Spot Pet Insurance may establish general practices and limits on forum usage, including:

Spot Pet Insurance reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

Legal Information

These Terms of Use will be governed by and construed under the laws of the Province of Ontario and the federal laws of Canada, excluding only its conflict of law provisions. You hereby submit to the exclusive jurisdiction of the courts within the Province of Ontario, and you hereby waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Any failure by Spot Pet Insurance to enforce any of its rights under the Terms of Use or applicable laws shall not constitute a waiver of such right. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, you, Spot Pet Insurance, and the court shall endeavor to give effect to the intent reflected in that provision and the remaining Terms of Use provisions shall retain their full force and effect.

You agree to follow any applicable laws in your use of the Spot Pet Insurance Website. Among other things, Canadian and other export control laws regulate the export and re-export of technology originating in Canada, and elsewhere. You will abide by all laws and regulations applicable to your use of the Spot Pet Insurance Website and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content or software from the Spot Pet Insurance Website to or from any countries or foreign nationals in violation of such laws or regulations.

Spot Pet Insurance may modify or amend these Terms of Use from time to time. Except for personal information which was previously collected, your use of the Spot Pet Insurance Website following any such modification or amendment shall constitute your acceptance of the modified or amended Terms of Use. In an effort to keep you informed of changes to these Terms of Use.

Reporting Libel and Defamation

If you become aware of any misuse of the Spot Pet Insurance Website, including libelous or defamatory conduct by any person, you must report it to Spot Pet Insurance. Please contact us by email at admin@spotpetinsurance.ca.

Notice

Your rights and obligations under these Terms of Use are enforceable by and against Spot Pet Insurance Service ULC., an Ontario corporation.

Noticed should be addressed for:

710 Dorval Drive
Suite 400
Oakville, ON L6K 3V7

ATTN: Legal Counsel.

The courts having exclusive jurisdiction are Toronto, ON, Canada. The governing law is Ontario and controlling Canadian federal law.