By accessing and browsing this web site you accept and agree to be bound by and comply with, without limitation or qualification, the terms and conditions set out below. Please read these terms and conditions before using this web site. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site. These terms and conditions may be changed from time to time without notice. Please ensure that you review these terms and conditions regularly.
In these terms and conditions, any reference to “we”, “us”, or “our” refers to A&A Insurance Brokers Ltd.
Product and Website Availability
The services described in this web site are available only to Ontario residents, who have reached the age of majority, and who possess the legal authority to create a binding legal obligation.
All information on this web site, including quotations and information relating to premiums is subject to change without notice. We strive to provide accurate and up-to-date material on this web site. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this web site. We assume no liability or responsibility for any errors or omissions on this web site.
We are committed to making all contact straightforward and relevant. From time to time, we will let clients know about new or enhanced products and services. In addition, we will communicate promotions that may be of interest to you. Should you not wish to receive written or electronic communications, you can remove your name, address, e-mail address and telephone number from our database by calling a broker.
Obtaining an Insurance Quote
This web site offers a secure way of comparing insurance quotes from competing providers. To obtain the most accurate rate and maximize your eligibility for discounts – it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be not true, it may lead to an insurance policy being voided.
You also agree that clicking on certain buttons marked “yes”, “next”, “confirm”, “continue” and any other similar descriptions constitutes authorization to proceed to the next stage of the quote process.
Ownership of Intellectual Property
The content of this web site is the copyright of A&A Insurance Brokers Ltd. and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on this web site may not be reproduced, or distributed in whole or in part without the prior written consent of A&A Insurance Brokers Ltd. which may be arbitrarily withheld.
The text, illustrations, graphics and images displayed as part of the quote engine on the web site are proprietary and will remain at all times the property of A&A Insurance Brokers Ltd. unless stipulated otherwise herein. They may not under any circumstances be sold, reproduced, copied, modified, published, distributed, uploaded, broadcast or retransmitted, in whole or in part, without permission.
Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to A&A Insurance Brokers Ltd.
Certain names, logos, words, titles, phrases, service marks, icons, graphics or designs or other content contained on this web site are trade-marks or trade-names, which belong to or are licensed by A&A Insurance Brokers Ltd. You are not permitted to use these marks, logos, names without the express consent of A&A Insurance Brokers Ltd. Any unauthorized use, copying, downloading may violate provincial or federal law that may result in legal action.
Travel insurance is arranged for by A&A Insurance Brokers Ltd. Travel insurance is underwritten by Travel Underwriters. Auto and home insurance is arranged for by A&A Insurance Brokers Ltd. Auto and home insurance is underwritten by a number of licensed Canadian insurance companies.
What We Earn
For auto and home insurance, we earn a percentage of premium when a new policy is sold or an existing policy is renewed. This base commission will vary from 4% to 20% depending upon the product line and the insurer. In addition, based on the financial performance of the policies that we have sold, we also earn additional compensation, which is not guaranteed. That compensation is determined based on the profit (if any) which is generated over time by all of the auto and home insurance policies we have placed with a particular insurance company. Some of our operating and marketing expenses are also reimbursed. For travel insurance, we earn a percentage of the premium for every policy sold. Some of our incurred marketing expenses are also reimbursed.
Links to other sites
Links from or to Internet sites outside this web site are meant for your convenience only. The owners of these outside sites manage their content for which A&A Insurance Brokers Ltd. is not responsible. The links should not be construed as an endorsement, a guarantee or a recommendation of the services offered on these outside sites. You access these outside sites at your own risk. A&A Insurance Brokers Ltd. is not responsible for damages or prejudice of any nature resulting from the use or the content of the web site or of other sites connected to the web site by hyperlink.
Use of Information
If you respond to us with any information, including but not limited to feedback, data, questions, comments, suggestions, or the like, such information shall not be deemed confidential. All such submissions shall be deemed our property and your submission of information shall constitute an assignment to us of all worldwide rights, titles, and interests in such information. We will not be liable for any use of disclosure or such information. We will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation. We will be free to use any ideas, concept, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing services which incorporate or otherwise rely upon such information.
We welcome your comments and suggestions regarding this web site and services, but we do not seek to solicit any confidential or proprietary ideas, suggestions, materials or other information relating to developing, designing, redesigning, modifying, or marketing our services or any new services. By submitting information, you warrant that we may publish such information, use it as part of its operations, and incorporate its concepts into services to be distributed by us without liability or compensation to you.
None of A&A Insurance Brokers Ltd. and any of their third party administrators and agents, employees, directors, officers and affiliated companies and 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, even if we have been advised of the possibility of these damages. You agree that the use of this web site, and any sites linking to or from this web site, is entirely at your own risk.
Interpretation and Jurisdiction
If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions.
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, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this web site or material from this web site. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.