Terms of Use

Please read carefully these terms and conditions of use before using this Website. You must agree to accept the conditions outlined in this notice in order to access or use this Website. Any visitor, user or any other person accessing this Website (“User”) must comply with these terms and conditions (“Terms of Use”). By accessing this Website, you agree to be bound by these Terms of Use. If you do not agree to these terms, you must immediately cease use of this Website.

1. Overview

PPI Management Inc. (“PPI”) is a nationally licensed insurance marketing organization which supports independent advisors with their business and allows them to provide products from various insurance companies. PPI hosts and maintains this Website and provides the articles and videos for information and communication purposes only, on behalf of the independent advisor presented on this webpage.

2. Changes to Terms of Use and Content

PPI, or the independent advisor, may, at any time and from time to time, for any reason and without notice to Users, make changes to this Website, including its look, feel, format, and content. PPI may also, at any time and from time to time, for any reason and without notice to Users, modify, revise or amend the Terms of Use of this Website. Any modifications will take effect when posted to the Website. Therefore, each time you access the Website, you need to review the Terms of Use upon which access and use of this Website is conditioned. By using and accessing the Website after such modifications have taken effect, you agree and accept to be bound by such modifications or revisions.

3. Jurisdiction

The Website is directed to those individuals and entities located in Canada. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Website. PPI, nor the independent advisor, makes no representation that the information, opinions, advice or other content on the Website (collectively, "Content") is appropriate outside Canada. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.

4. Personal information security

When you visit this Website, you are generally in control of the quantity and type of information that you share with PPI or the independent advisor. As a visitor, you can browse the Website in order to find information without having to disclose personal information in any way. Ensuring the safety of your personal information on the Website is a priority for PPI. That’s why PPI is constantly evolving its security measures to meet the highest industry standards. For more information, please consult the privacy policy.

5. Copyrights and Content reproduction

The Content of this Website is protected by the copyright laws in effect in Canada and in other countries if applicable. Copying, reproducing, publishing or distributing any of the information found in this Website, in whole or in part, is strictly forbidden. It is possible, however, to copy, print or download information for non-commercial personal use as long as the said information has not been modified in any way and the source has been acknowledged. The prior written authorization of PPI is required for any use other than specified by the terms above, failing which PPI shall take the appropriate legal action.

6. Links

This Website may contain links to various other websites that are not owned or controlled by PPI, nor the independent advisor, and to which PPI’s security policy does not apply. PPI, and the independent advisor, does not control or endorse such websites and is not responsible for their content nor is it responsible for the accuracy or reliability of any information, data, opinions, advice, or statements contained within such websites. By using this Website, you expressly relieve PPI and the independent advisor from any and all liability arising from your use of any third-party website. You are encouraged to be aware when you leave this Website and to read the terms and conditions and privacy policy of any website that PPI does not own and that you visit.

7. No Unlawful or Prohibited Use

As a condition of your use of the Website, you warrant to PPI that you will not use the Website for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available, or provided for, through the Website.

8. Termination

PPI may terminate any access to this Website at any time, in whole or in part. PPI shall not in any way be held responsible for losses or damages which may arise directly or indirectly from the termination of your access to this Website. For your part, you may terminate your access to this Website at any time. Upon termination of any access to this Website, the provision in section 11 will continue to apply following the termination and the Users rights hereunder shall immediately cease.

9. Governing Law

These Terms of Use shall be governed in all respects by the laws of the Province of Ontario, Canada, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

10. Reliability of information

The information available on the Website is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. You should not construe this as legal, accounting, taxation, financial, actuarial or other professional advice. You should evaluate all information, opinions and advice available on this Website in consultation with your insurance specialist, or with your legal, accounting, taxation, financial, actuarial or other advisor, as appropriate. No advice or information, whether oral or written, obtained from the independent advisor or on this Website can be construed as creating any guarantee.

Moreover, results generated by any calculating tool available on this Website do not create legal or contractual obligation for PPI or the independent advisor. These simulations are based on approximate calculations. Please confirm any results by contacting an advisor.

11. Limitation of Liability

The Website, and any Content, are provided to you on an "as is," "as available" basis without warranty of any kind whether express, statutory or implied, including but not limited to, any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement, all of which PPI, and the independent advisor, expressly disclaims. Your use of the Content is at your own risk. Moreover, you acknowledge that PPI, its directors, officers, employees, representatives and the independent advisor shall not in any way be held responsible for losses or damages which may arise directly or indirectly from the use of, or the inability to use, this Website.

12. Use of Cookies and Web Beacons

The website cookies are activated to simplify navigation, to improve your user experience and to track the sections of the site that you visit. While this allows PPI to personalize the content that you see when visiting the Website, it does not allow PPI to collect your personal information. As a result, when you visit and interact with the Website via your cellular telephone or web browser, electronic data is collected automatically. This type of information is considered to be non-personal information. Non-personal information signifies data that could not potentially identify a specific individual and that is collected automatically when you access this Website from your browser. You may choose to deactivate cookies in your browser. If you choose to do so, however, you may not have access to certain functionality on the Website.

The web pages may also contain electronic images known as web beacons. Web beacons are usually invisible to a user and are used for many of the same purposes as cookies.

PPI may include web beacons on the Website to:

  • Determine if messages are opened and acted upon;

  • Gather statistical information about our website usage patterns;

  • Deliver information to you about our products and services.

13. Third-party monitoring and surveillance tools

PPI uses web analytics services, including Google analytics, to analyze the use of the Website. These tools use cookies to collect and generate information about your visits to the Website (including your Internet Protocol address) that is transmitted to their servers in an anonymous form for processing. PPI studies patterns of website activity so it can improve the experience of visitors to the Website. These tools gather only non-personal information pertaining to your use of the Website. However, please note that these tools are designed and maintained by third parties that are not under PPI’s control. For this reason, PPI, and the independent advisor, shall not be held liable for neither the type of information collected by these third parties nor for the manner in which they use and protect it.

14. Contact us

If you would like to request additional information regarding these Terms of Use, please contact us at webmaster@ppi.ca