USE OF SITE

The companies appearing on this Site (collectively, "Assurant Solutions companies", "We", "Our", or “Us”, or, individually, "Assurant Solutions company") require that each visitor ("User", "You", or "Your") to this Internet website on the World Wide Web ("Site") adhere to the following Terms and Conditions, which may have been revised since You last visited this Site. Please read these Terms and Conditions carefully before using this Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. Each User is bound by any revisions to these Terms and Conditions and should visit this page at each visit to review the current terms and conditions. If the User does not agree to all of the Terms and Conditions, he or she should not use this Site.

TERMS AND CONDITIONS

Informational Purposes Only

The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. It is provided solely for general informational purposes. Any insurance or non-insurance product described on this Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult the referenced policy or contract. The general information about the products and services applies to Canada only. All products and services may not be available in all provinces and territories.

Links appear on this Site to products or services that are available outside of Canada and to specific companies or business units. Each User must view the Legal Notice, Terms of Use or similarly described topic displayed on such linked websites.

NO WARRANTY

Assurant Solutions companies expressly disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Assurant Solutions companies have no obligation to update information on this Site, so such information may be out of date at any given time. Assurant Solutions companies also may make improvements or changes in products or services described on this Site at any time without notice.

LIMITATION OF LIABILITY/DISCLAIMER

WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.

THE MATERIAL ON OUR SITE IS PROVIDED "AS IS." WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL ON OUR SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE, ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

NO REPRESENTATION AS TO SUITABILITY

Assurant Solutions companies make no representation as to the financial or other suitability of any product or service described on this Site for any User.

COPYRIGHT, TRADEMARKS AND SERVICE MARKS

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant, Inc. or affiliates (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant which can be denied in its sole discretion.

OWNERSHIP

The design, text and images of this Site are owned, controlled or licensed by Assurant Solutions companies or its affiliates. Assurant Solutions companies and/or their licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of this Site.

LINKING

Assurant Solutions companies prohibit caching, hypertext links to this Site and the framing of any services, without the express written permission of an Assurant Solutions company.

This Site may contain hyperlinks to websites operated, owned or maintained by parties other than Assurant Solutions companies. Such hyperlinks are provided solely as a matter of convenience. Assurant Solutions companies do not control such websites and are not responsible for their contents. The inclusion of hyperlinks to such websites does not imply any endorsement, approval or certification by Assurant Solutions companies of the material on such websites or any association with their operators. Access to any other website linked to this Site is at the User's own risk.

PRIVACY

At Assurant Solutions, we are committed to providing you with great customer service. Protecting your privacy and the confidentiality of your personal information is a keystone to our relationship with you, and to your trust in us. We may change the Privacy Policy at any time and the most current version will be posted on our website.

USE OF COOKIE FILE

Some Web pages within this Site may use "cookies." A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by Assurant Solutions companies cannot read data off the User's hard drive or read cookie files created from other websites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may result in Your not being able to use this Site's information and functions successfully.