Your Authority to Use this Web Site
By using this web site, you are representing to us that you have the power and authority to accept these Terms of Use and to enter into this agreement with us, that you are capable of assuming, and do assume, any risks related to the use of this web site and its content, and that you understand and accept the terms, conditions and risks relating to their use. If you are dissatisfied with this web site or its content, your sole and exclusive remedy is to stop using it.
Laws
This web site (excluding linked sites) is controlled by Federated Insurance from its offices within the Province of Manitoba, Canada. By accessing this web site, you and Federated Insurance agree that all matters relating to your access to, or use of, this web site shall be governed by the statutes and laws of the Province of Manitoba or the federal laws of Canada, as applicable, without regard to the conflicts of laws principles thereof. You and Federated Insurance also agree and hereby submit to the exclusive personal jurisdiction and venue of the courts of the Province of Manitoba or the federal courts of Canada, as applicable, with respect to any and all matters arising in connection with these Terms of Use.
BY USING THIS WEB SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM AND AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS IN THESE TERMS OF USE.
Rights Granted and Restrictions on Use
Federated Insurance grants to you a limited non-exclusive, non-transferable license to view, copy and print the material on this web site (other than the design or layout of this web site) for your non-commercial or personal use only. All copies that you make must retain all copyright and other notices that are on this web site. Except as provided in the previous sentence, you may not use, distribute, sell, modify, transmit, revise, reverse engineer, republish, post or create derivative works (where applicable) of the trade-marks, trade names, logos, information, software or other material or content on this web site (collectively, as the "content") without prior written permission of Federated Insurance. You acknowledge and agree that this web site and its content are the property of Federated Insurance, its affiliates or their respective service providers, suppliers or licensors and you will not acquire any rights or licenses in any trade-marks, patents, copyright or other intellectual property on this web site or in its content. This web site and its content are protected by copyright, both individually and as a collective work or compilation and by trade-mark law, patent law and any other applicable laws.
No Damages
FEDERATED INSURANCE, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS SHALL NOT, UNDER ANY CIRCUMSTANCES, BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, INDIRECT, PUNITIVE OR SPECIAL DAMAGES, OF ANY KIND, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, THOSE ARISING FROM ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE CONTENT OR THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER RESULTING FROM THE USE OF OR INABILITY TO USE ANY CONTENT ON THIS WEB SITE (OR A WEB SITE LINKED TO THIS WEB SITE), OR ANY OTHER CAUSE; AND EVEN IF CAUSED BY FEDERATED INSURANCE'S OR ITS AFFILIATES' OR ANY OF THEIR RESPECTIVE LICENSORS', SERVICE PROVIDERS' OR SUPPLIERS' NEGLIGENCE, AND EVEN IF ANY OF THEM HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING.
THE ABOVE LIMITATIONS AND EXCLUSIONS SHALL APPLY TO YOU TO THE FULLEST EXTENT THAT APPLICABLE LAW PERMITS, IN ALL ACTIONS OF ANY KIND, WHETHER BASED ON CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR ANY OTHER LEGAL OR EQUITABLE THEORY. ANY CLAUSE DECLARED INVALID SHALL BE DEEMED SEVERABLE AND NOT AFFECT THE VALIDITY OR ENFORCEABILITY OF THE REMAINDER OF THESE TERMS OF USE.
Disclaimers
The content on this site is for informational purposes only. Federated Insurance, its affiliates and each of their respective licensors, service providers or suppliers assume no liability for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon. The information contained on this web site provided by any third party, including, without limitation, the information obtained through any link, has been supplied without verification by us.
THIS WEB SITE COULD INCLUDE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS AND IT IS PROVIDED TO YOU ON AN "AS IS" BASIS WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND. FEDERATED INSURANCE, ITS AFFILIATES AND THEIR RESPECTIVE LICENSORS, SERVICE PROVIDERS AND SUPPLIERS MAKE NO REPRESENTATION AND DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES AND CONDITIONS OF ANY KIND, INCLUDING WITHOUT LIMITATION, REPRESENTATIONS, WARRANTIES OR CONDITIONS REGARDING ACCURACY, TIMELINESS, COMPLETENESS, NON-INFRINGEMENT, SATISFACTORY QUALITY, MERCHANTABILITY, MERCHANTABLE QUALITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR THOSE ARISING BY LAW, STATUTE, USAGE OF TRADE, OR COURSE OF DEALING. FEDERATED INSURANCE, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS AND SUPPLIERS ASSUME NO RESPONSIBILITY TO YOU OR ANY THIRD PARTY FOR THE CONSEQUENCES OF ANY ERRORS OR OMISSIONS. FEDERATED INSURANCE RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THIS WEB SITE. FEDERATED INSURANCE MAY MAKE ANY OTHER CHANGES TO THIS WEB SITE AT ANY TIME WITHOUT NOTICE.
Professional Advice
This web site is not intended to provide you with any personalized financial, accounting, legal or professional advice. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC SECURITY, INDEX, REPORT, OPINION, ADVICE OR OTHER CONTENT.
Links
As a convenience to our visitors, the Federated Insurance web site currently contains links to a number of web sites. The policies and procedures described here do not apply to those web sites. We suggest contacting these web sites directly for information on their data collection and distribution policies. Your linking to such web sites or pages is at your own risk. Federated Insurance is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. Federated Insurance provides these links merely as a convenience and the inclusion of such links does not imply that Federated Insurance endorses or accepts any responsibility for the content or uses of such web sites. Links do not imply that Federated Insurance or this web site is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked web site is authorized to use any trademark, trade name, logo or copyright symbol of Federated Insurance or any of its affiliates or subsidiaries.
Trademarks
You are not permitted to use any of the trademarks of Federated Insurance , its affiliates or their respective licensors, suppliers or service providers displayed on this web site without the prior written consent of Federated Insurance or the third party that owns the trademark.
Hyperlinks
Unless you have a written agreement in effect with Federated Insurance which states otherwise, you may only provide a hypertext link to the Federated Insurance web site on another web site, provided that (a) the link must be a text-only link clearly marked "Federated Insurance Company of Canada Home Page"; (b) the link must "point" to (i.e. link the user directly to) the URL http://www.Federated.ca and not to other pages within the Federated Insurance web site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Federated Insurance's name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity is associated with or sponsored by Federated Insurance; (e) the link, when activated by a user, must display the Federated Insurance web site full-screen and not within a "frame" on the linked web site; and (f) Federated Insurance reserves the right to revoke its consent to the link at any time in its sole discretion.
Non-Confidential Use of Your Postings
Any non-personal communication, comments, ideas or material you post or transmit to Federated Insurance is, and will be treated as, non-confidential and non-proprietary. By transmitting or posting any communication or material to this web site you grant to Federated Insurance and all of its affiliates, an unrestricted, irrevocable license to use, reproduce, display, modify, transmit, distribute, publish, broadcast or post your communication for any purpose. You also agree that Federated Insurance is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) you grant us permission to do so; (b) we first notify you that the materials or other information you submit will be published or otherwise used with your name on it; or (c) we are permitted or required to do so by law.
Protecting Information
We have reasonable security measures in place to protect against the loss, misuse and interception by third parties of the information under our control. However, complete confidentiality and security is not yet possible over the Internet. We assume no liability for any damages you may suffer as a result of interception, alteration or misuse of information transmitted over the Internet.
Violations of Terms of Use
Federated Insurance reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address to our site.
Other Countries
This web site can be accessed from countries around the world other than Canada and may contain references to Federated Insurance products, services, and programs that have not been announced in your country. These references do not imply that Federated Insurance intends to announce such products, services or programs in your country. Federated Insurance makes no representation that the content on this web site is appropriate or available for use in other locations, and accessing this web site from territories where its content is illegal is prohibited. Those who choose to access this web site from other locations do so on their own initiative and their own risk and are responsible for compliance with local laws.
