Terms & Conditions

Last updated: November 17, 2021

The following Terms and Conditions of Use fully apply to the Northern Insurance Brokers website: https://northerninsurancebrokers.ca/

These Terms and Conditions of Use constitute a legal agreement between yourself and Northern Insurance Brokers Inc. (“Northern Insurance”). Please read this agreement in its entirety prior to continuing to use this website or downloading any forms, pages and/or imagery. By using this website, you agree to be bound by those terms and conditions.

1. Ownership of This and Other websites

This website as well as all websites registered by Northern Insurance are owned and operated by Northern Insurance and/or its subsidiaries. All content featured on these sites, including, but not limited to, text, graphics, photographs, images, moving images, software, forms and illustrations (‘Content’) is owned by Northern Insurance, its licensors and its content providers.

All elements of Northern Insurance web sites, including, but not limited to, the general design and the Content, are protected by copyright, moral rights, trade mark and other laws relating to intellectual property rights. All rights reserved. Except as may be explicitly indicated in specific documents within this publication, Northern Insurance grants you a limited license to display on your computer, print, download and use the material on this website for non-commercial, personal or educational purposes only, subject to your agreement that:

authorship will be attributed to Northern Insurance,
you will not modify such material, and
you will display the above copyright notice and retain any other copyright and other proprietary notices on every copy you make.

Without limiting the generality of the foregoing, no portion or element of this website or its Content may be copied or retransmitted via any means and this web site, its Content and all related rights shall remain the exclusive property of Northern Insurance or its licensors unless otherwise expressly agreed to by Northern Insurance. You shall indemnify Northern Insurance, its subsidiaries, its affiliates and licensors against any losses, expenses, costs or damages incurred by any or all of them as a result of your breach of the terms of this Agreement or your unauthorized use of the Content and related rights.

2. Disclaimers

The information presented on this site has been expressed in general terms and is meant to be used for reference only. It is not designed to take the place of an insurance contract and does not represent how coverage will respond in every situation. Please read all policy/bond/agreement language carefully for coverage terms and conditions. The precise coverage afforded by any insurer is subject to the terms and conditions of the policy as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued. This publication may contain technical inaccuracies or typographical errors.

There may be links to other web sites from within the Northern Insurance suite of websites; however, these other websites are not controlled by Northern Insurance and we are not responsible for any content contained on any such website or any loss suffered by you in relation to your use of such websites. You waive any and all claims against Northern Insurance regarding the inclusion of links to outside web sites or your use of those websites.

We reserve the right to change these Terms and Conditions of Use, the Privacy Policy, information, services and available contractual license terms featured on this website without notice. You agree to review these Terms of Use from time to time and agree that any subsequent use by you of our website following changes to these Terms of Use shall constitute your acceptance of all such changes. These Terms of Use were last modified on May 2021. These conditions set out the entire agreement between you and Northern Insurance relating to your use of this website.

3. Limitation of Liability

While Northern Insurance uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. Northern Insurance makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall Northern Insurance or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, exemplary, aggravated or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Northern Insurance or an authorized representative has been advised of the possibility of such damages.

Northern Insurance also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video or audio from this website.

4. Jurisdiction

The Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario and laws of Canada applicable therein, without regard to the conflict of laws provisions thereto. The parties consent to the jurisdiction of the courts of, and venue and situs in, Toronto, Ontario.

5. About Security

Providing you with a secure online experience is one of Northern Insurance’s highest priorities. We recognize that your privacy and that of your client(s) are of the utmost importance and have taken significant steps to ensure that sensitive information is safeguarded.

Please take a moment to read about the steps that we have taken to protect your information and that of your client(s), as well as making your online transmissions safer. We also invite you to review the ways in which you can protect yourself further.

It is our wish that once you understand the security measures we have taken and the protections you can provide for yourself, you will be confident about the security of your interaction with us and the information you share with Northern Insurance.

6. Form Submission Security

When a form is submitted from anywhere on Northern Insurance secure websites, it travels within one server only, and the information is protected from theft/loss/intrusion by firewall security installed for all Northern Insurance servers/systems. When an email message is transmitted, it is generated and transmitted from an external server to Northern Insurance’s internal email server. While both servers may be protected by firewall security, it would still be possible to intercept your message en route. Please see Confidentiality and Transmissions over the Internet for more information.

7. About Firewall Security

A firewall protects the inside of Northern Insurance’s computer systems by refusing to allow unauthorized access. When a computer outside the firewall wishes to communicate with a computer on the inside, it must first communicate with the firewall, in a recognizable language in order to then pass data to the internal computer. This two-step process protects Northern Insurance’s internal computer systems from unauthorized access.

8. About SSL (secure socket layer)

Secure socket layer protocol (SSL) ensures that information being passed between your browser and Northern Insurance’s server is confidential. SSL protocol provides a safe passage for data transmission and authentication processes by encrypting the information to ensure that the information cannot be viewed or altered.

9. About Encryption

Encryption is used to ensure that your personal information cannot be accessed by an unauthorized party while in transit from your PC to our computer. Every piece of information transmitted between your PC and our computer, beginning with your Username and Password, is encrypted before it leaves your PC. Encryption alters the data being transmitted into a string of unrecognizable characters that can be safely passed over the Internet. Once the data has been encrypted, only Northern Insurance and your PC can interpret the unrecognizable string of data and decrypt it by using a decryption key.

10. Registrant Information

Information about the registered user, collected at the time of registration, is and shall be saved in a secure location, within a firewall-protected area. Once notified that a LGexpress-registered individual has left his/her brokerage, or wishes to discontinue use of LGexpress, that individual’s username and password will be removed from the system and never used again.

11. Confidentiality and Transmissions over the Internet

The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not secure, and is subject to possible loss, interception or alteration while in transit. Accordingly, we do not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks, such as transmission involving the use of your password for our website or the exchange of email with us (including those that may contain your personal information). While we shall take commercially reasonable efforts to safeguard the privacy of the information you provide us and treat such information in accordance with our Privacy Policy, in no event will the information you provide to us be deemed to be confidential, create any fiduciary obligations to you on our part, or result in any liability to you on our part in the event that such information is inadvertently released by us or accessed by third parties without our consent.

Contacting us

If you have any questions about this Terms & Conditions policy, the practices of this site, or your dealings with this site, please contact us.