You must read this notice before using this web site. By accessing and browsing this web site you accept, without limitation or qualification, these terms and conditions.

There may be changes, additions of deletions from all or any portion of these terms and conditions of use at any time. Notice of any changes will be given by posting notice of such changes on this web site. Your continued browsing following such notice signifies that you agree to and accept any changes. If you do not agree to any such change to these terms and conditions of use, you must immediately stop using this web site

Accuracy of Information
All information on this web site, including information relating to premiums is subject to change without notice. FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc. (“We” “Us” “Our”) attempt to ensure the accuracy and timeliness of material on this web site but do not provide any warranty or make any representation as to the accuracy or timeliness of the material on this web site. We assume no liability or responsibility for any errors or omissions on this web site.

Ownership of Intellectual Property
The contents of this Web site are the copyright of FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc. which is protected under the laws of Canada and other countries. We reserve e all rights in the contents of the website.

Our trademarks are depicted on this web site. They are protected from copying or reproduction under copyright laws. We do not confer, by implication or otherwise, any license or right under any patent, trademark, copyright or other proprietary right. Any use of our trademarks is strictly prohibited. We reserve all rights.

Linking
We are not responsible for any sites linked to this Web site. Your linking to any sites from this Web site is at your own risk. By linking to a site or permitting a link to this Web site, we do not endorse the site operator or the content of the linked site.

Disclaimer
None of FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc. nor any of their employees, directors, officers or affiliated companies or participating insurance suppliers, nor any other party involved in creating, producing, or delivering this web site, shall be liable for any loss, harm or damage, including without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused, to any person as a consequence of, or arising out of, your access to, or use of, this web site or any material from this web site.

We assume no liability or responsibility for any damage to you, your computer, or your other property, due to your access to, use of, or downloading of this Web site or any materials provided on this Web site.

Terms of Delivery and Payment;and Refund Policy
Each insurance product or service offered on this site is subject to the Terms of Delivery and Refund Policy of the individual insurance carrier and/or service provider that manufactures the product or service. These Terms and Policies differ by Insurance Carrier or Service Provider. When purchasing, be sure to read the specific details relating to Terms of Delivery and Refund Policy of the product or service you wish to purchase. FutureBright will, however, refund any application within fifteen(15)days, if rescinded in writing. When possible, all refunds will be paid in the same methods in which they were originally purchased.

Although efforts are made to secure the information your provide to us via this web site, complete confidentiality and security is not yet possible over the Internet. Such information may be intercepted, lost or altered. We do not encourage anyone to send information, including personal information, to it using unencrypted e-mail. You acknowledge that FutureBright Care Navigator Inc. and FutureBright Insurance Group Inc., its agents, administrators, employees and affiliates are not responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk.

Applicable Law and Jurisdiction
You agree that the laws of the Province of Ontario, Canada govern any use of this web site and any issues which may arise with regard to this web site. You agree that the courts of the Province of Ontario shall have exclusive jurisdiction over all such claims and you agree not to challenge or contest the jurisdiction of such courts or to bring a suite or proceeding relating in connection with such claims other than in the courts of the Province of Ontario.

Entire Agreement
If any provision of this agreement is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

This is the entire agreement between the parties relating to the subject matter.