Terms and Conditions

Please read the following Terms and Conditions of Use before using or obtaining any information, services or materials through this Site. MANSHA FINANCIAL (herein referred to as “We” or “Us”) provides access to and use of this website (herein referred to as “Site”) subject to your acceptance of these following terms and conditions (herein referred to as “Terms”). By accessing, using, or obtaining any information, products, services, materials, data, or other content (collectively, herein referred to as “Content”) through this Site, you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this Site and cease your current access.

LICENSING

MANSHA FINANCIAL is a licensed insurance brokerage in Ontario, Canada. This Site is not intended as a solicitation for insurance in any state or province where We are not licensed.

OWNERSHIP

We own and have copyrights on this Site and all of the Content, which is protected by Canadian and International copyright laws and treaties. The Content may not be copied, reproduced, modified, republished, uploaded, downloaded, transmitted, publicly transmitted, posted, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of MANSHA FINANCIAL.

Trademarks, logos, and service marks (herein referred to as “Marks”) displayed on this Site are the registered or common law Marks of MANSHA FINANCIAL. Your use of and access to this Site does not grant you any license or right to use any of the Marks. In addition, you may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Site.

USE

By using this Site, you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you are less than 18 years of age you may not use this Site and you must leave immediately. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Site.

You may not use this Site for any false or fraudulent purpose. You are also forbidden from using this Site to post or transmit any unlawful, defamatory, threatening, libelous, obscene, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Site or take any action that imposes an unreasonable load on MANSHA FINANCIAL’s computer equipment. You may not use this Site for any commercial, financial or other similar purpose without the express prior written consent of MANSHA FINANCIAL. Finally, you may not use this Site for any purpose that is unlawful or otherwise prohibited by these Terms.

MANSHA FINANCIAL reserves the right, at any time and without advance notice or liability, to terminate your access to this Site or any component therein.

PRIVACY

Your use of this Site is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

PRODUCTS & QUOTATIONS

Under no circumstances should you regard any information you may access in this Site as advice, recommendation, or complete description of any products, service, or plan. Application for an insurance quotation through this Site does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by MANSHA FINANCIAL to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Site visitors must carefully review their own insurance policies.

DISCLAIMER OF WARRANTIES

We make no warranty regarding this Site and its Content. We expressly disclaim any warranty or representation that this Site will be error-free, secure or uninterrupted. We further disclaim any warranty as to the adequacy, accuracy, completeness or timeliness of any of the Content. We further disclaim liability resulting from or arising out of any errors or omissions contained in the information or materials found on this Site.

LIMITATION OF LIABILITY

MANSHA FINANCIAL will not be responsible or liable for (A) any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation, los profits or lost savings). Whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with (i) any use of this Site or the Content found therein, (ii) any failure or delay (including without limitation the use of or inability to use any component of this Site to submit applications for insurance products or services), or (iii) the performance or non-performance by Us, even if We have been been advised of the possibility of damages to such parties or any other party or (B) any damages to or viruses that may infect your computer equipment or other property as the result if your access to, use of or browsing in this Site, or your download of any of its Content. This disclaimer of liability applies to any damages or injury caused by any failure of performance, interruption, defect, error, deletion, omission, computer virus, delay in operation or transmission, theft or destruction, communication line failure, theft or destruction, alteration of, or use of record, whether for breach of contract, negligence, tortious behavior, or under any other cause of action.

STATEMENT OF EXPECTATION

This Site contains written statements issued by MANSHA FINANCIAL and may include forward-looking statements which reflect the current views of MANSHA FINANCIAL with respect to future events and financial performance. These statements of expectation are subject to uncertainties and other factors that could cause actual results to materialize differently from such statements. MANSHA FINANCIAL undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

MISCELLANEOUS

These Terms are governed by the laws of the Province of Ontario, excepting its conflicts of law principles. Any dispute arising out of this Site shall be subject to the exclusive venue of a court of competent jurisdiction in Toronto, Ontario. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by MANSHA FINANCIAL to act with respect to you or another person’s breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and HUB relating to your use of the site and replaces any prior oral or written understandings or agreements.

REVISIONS

MANSHA FINANCIAL reserves the right to change these Terms at its sole discretion. If these Terms change, the revised Terms will be posted at the “Terms and Conditions” link on this Site’s home page. The last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Site after the date of the last revision indicates your acceptance of any revisions.

These Terms were last revised on April 24, 2018.