Terms & Conditions of Use & Legal Issues
When you access the Web site
property of Phoenix Group, you accept and agree to be bound by and comply with
the Agreement regarding the use of this web site (the "Agreement")
the terms and conditions of which are described below as well as at other
locations on the Web site (hereinafter called "site"). Please take a
moment to become familiar with the terms and conditions. If you do not accept
the terms and conditions, you should immediately discontinue the use of this
site.
Phoenix Group has no obligation
to update information presented on this web site, however these terms and
conditions may be changed at any time without notice. You agree to review the
terms and conditions regularly and your continued access or use of the site
will mean that you agree to be bound by any such changes.
When you access this site you
agree to surrender any legal recourse whatsoever resulting from the use of this
site or from any information thereon.
The terms and conditions are of
general application and shall be read together with and as supplementary to any
disclaimer, term, or condition posted on the site.
If any term or condition is
found to be unlawful, void, or for any reason unenforceable, then that provision
shall be deemed to be severable from the rest of the terms and conditions and
shall not affect the validity and enforceability of any remaining provisions of
the Agreement.
Interpretation and
Jurisdiction
When it is appropriate for the
interpretation of the text, a word used in the masculine gender includes the
feminine gender and vice versa.
Access and use of this site are
subject to all laws and regulations applicable in your province or territory of
residence. Please be aware that some financial products and services described
in the site may not be available in your province or territory of residence.
This communication does not constitute an offer or solicitation by anyone in
any jurisdiction in which the distribution and selling of financial products
and services by subsidiaries and affiliated companies of Phoenix Group is
prohibited. Persons accessing this site are required to obtain information
about and observe any relevant restrictions.
The terms, exclusions and
conditions of the contracts relating to financial products and services
mentioned on this site are not fully described. Their interpretation is
governed by the terms and conditions of the contract applicable to the
insurance or financial product purchased, or to the financial service offered,
and by any applicable laws and regulations. In case of any discrepancy between
the contract and the website, the contract will apply.
Only Canadian residents who can
validly be bound by an agreement under applicable laws can use this site. Individuals
residing in an area where the access to or use of the site or any part of is
illegal or prohibited are not permitted to use the site. It is your
responsibility to determine if you can legally use the site in compliance with
all applicable laws.
Security
Once you have gained access to
the site, it is highly recommended that you do not leave the computer terminal
until you have left the site.
Phoenix Group does not warrant
that any information, software or other material accessible through one the
site or through links to other Web sites is free of viruses, worms, Trojan
horses or other harmful components. Without the use of encryption,
communication through the Internet or electronic communication is not secure
and privacy cannot be ensured.
Fees & Compensation
We are compensated through fees and/or commission for services provided to our clients. We may also have agreements with some of our primary insurance markets through which we can also be compensated. These payments, if any, are based on factors such as: volume, growth & profitability of the total premiums placed with that market. Additional information about our compensation practices are contained within our fee agreements and upon written request to your Producer.
Confidentiality
When you contact a subsidiary
or affiliated company of Phoenix Group to purchase a financial product or
obtain advice or financial services, it must occasionally collect certain
information part of which may be personal.
Rest assured, our subsidiaries
and affiliated companies respect the applicable laws with regard to the use of
your confidential personal information.
Phoenix Group, its subsidiaries
and affiliated companies protect personal information that have been
transmitted to them using various means: physical, organizational and
technological in accordance with the level of protection required.
Phoenix Group may use small
data files (cookies) that are used for your convenience and save you from
identifying yourself at each visit. They do not contain or transmit any
personal data.
Copyright and Trademarks
Copyright
The site is protected by
Copyright laws
The texts, illustrations,
graphics and images displayed on the site are and will remain at all times the
property of the author, unless stipulated otherwise herein. They cannot, under
any circumstances, be sold, reproduced, copied, modified, published or
distributed, in whole or in part, as the case may be, without express
permission from the author.
No content from the site may be
cited on or transmitted to newsgroups, mail lists, or electronic bulletin
boards, or incorporated into any other Internet Web site nor may links be
created to this site without indicating the source and address of the site and
without the prior written consent of Phoenix Group, its subsidiaries or
affiliated companies.
Trademarks
Certain names, words, titles,
phrases, logos, icons, graphics or designs or other content in the pages of the
site are, as the case may be, trade names or trademarks of Phoenix Group, its
affiliated companies, its subsidiaries or its parent companies and/or used in
Canada ("marks") or in other countries, as the case may be, and
represent only part of their intellectual property.
Certain names, words, titles,
phrases, logos, icons, graphics or designs or other content in the pages of the
site can constitute trademarks or trade names, registered or not, property of
third parties and may be used under license. The display of trademarks and
trade names on pages at the site does not imply that a license of any kind has
been granted to anyone else. The users are not permitted to use these marks or
names without express consent from Phoenix Group or from the third party
proprietor of these marks or names.
Any unauthorized downloading,
re-transmission, or other copying or modification of trade-marks and/or the
contents of the site may be a violation of any federal or other law that may
apply to trade-marks and/or copyrights and give rise to legal action.
Liability
Phoenix Group, its subsidiaries
and affiliated companies completely disclaims all liability arising from the
use of the information contained on this site by any user. Further, and without
limiting the generality of the foregoing, in no event shall Phoenix Group, its
subsidiaries and affiliated companies be liable for any direct, indirect,
incidental, consequential or special damages, losses, claims or expenses
arising out of the use of the information herein, or in any way connected with
access to or use of the site.
The materials and information
on this site are provided "as is," and without warranties of any
kind, either expressed or implied.
Without limiting the above,
Phoenix Group does not represent or warrant that the site or its content will
be available or will function without interruption or that it will be free of
errors or that any errors will be corrected. In addition, it does not represent
or warrant that the use of the site and, including the browsing and downloading
of any content, will be free of viruses, Trojan horses, worms or other
destructive or disruptive components or that your use of the site and its
content will not infringe the intellectual property or other rights of any
third party.
When using the site, you have
to take reasonable precautions to scan for computer viruses, worms, Trojan
horses, and other items of a destructive nature. It is also up to you to ensure
that you have a complete and current backup of the information contained on
your computer system prior to using the site.
Content
The information provided by
Phoenix Group is believed to have been accurate and reliable when posted on the
site, but it cannot guarantee that it is accurate or complete or current at all
times. The information on this site is for information purposes only and is not
intended to provide investment, insurance, financial, legal, accounting or tax
advice and should not be relied upon in that regard. For advice please consult
the appropriate specialist. As a result, Phoenix Group, its subsidiaries and
affiliated companies cannot be held responsible, in all or in part, of the
accuracy of the information provided in the site and cannot be held responsible
for investment decisions based thereon.
Links to other sites
Links from or to Internet Web
sites outside this site are meant for convenience only and you access them at
your own risk. The publishers of the outside sites manage their content which
are not reviewed, nor approved by Phoenix Group. These links should not
construed as an endorsement, a guarantee or a recommendation of the products or
services offered on those sites. Phoenix Group cannot guarantee that these
links are functional or secure.
You access these sites at your
own risk. Phoenix Group cannot be held responsible for damages or prejudice of
any nature resulting from the use or the content of the site or of other sites
connected to the site by hyperlink.