Terms of Use

(last modified on  May 1, 2013)
 
General 
 
This Website is owned and operated by Royal & Sun Alliance Insurance Company of Canada (“we” “us” “our”), a Canadian insurance company.
 
Acceptance of Terms and Conditions of Use
 
By accessing and browsing this Website, visitors (“you”) accept, without limitation or qualification, the terms and conditions of use set out below (“Terms of Use”). If you do not agree to these Terms of Use you must immediately stop accessing and using this Website.  We may at any time revise, add or remove portions of these Terms of Use by updating this posting and providing notice of a change on this Website, and by changing the last date of modification which appears above. Your continued access and use of the Website following notice of a change means that you agree to and accept these Terms of Use as amended. If you do not agree to any changes to these Terms of Use, you must immediately stop accessing and using this Website.
 
Use of Your Information
 
This Website allows you to report a claim under the insurance policy issued to your financial institution for the benefit of certain of its credit cardholders. Information provided in the completion of the on-line claims form as well as documents submitted to RSA through this Website (“Your Information”) will be used by RSA to assess and resolve your claim.  By uploading and transmitting Your information through this Website, you grant to RSA and our service providers the right to use, copy, modify, and retransmit Your Information as reasonably required to assess and process any claim you make. 
 
You are solely responsible for backing up any information and documents transmitted to us through the Website. 
 
If you use this Website to provide information to RSA about a person other than yourself, you represent and warrant that you are authorized by such person to communicate their personal information to us through the Website.  
 
You represent and warrant that Your Information is true, accurate and when the supplemental documentation has been submitted, complete, and acknowledge that we will be relying on such representation and warranty in assessing and processing your claim.
 
Use of the Internet
 
The availability and functionality of this Website is dependent on the availability and functionality of other third party products and services, including those provided by your communications provider, which are subject to separate terms and conditions and for which we have no obligations or liability. You acknowledge that this Website makes use of your internet access to transmit information to us. You acknowledge and understand that such transmissions are transmitted in an unverifiable manner, and that we will have no obligation to you in the event of any failure by us to receive the information submitted through the Website. You understand and agree that a notice of loss under the insurance policy will not be considered to have been provided to us, unless and until such information is actually received through the Website by one of our employees or representatives.  
 
DISCLAIMER- No advice
 
THIS WEBSITE IS ONLY INTENDED TO PROVIDE GENERAL INFORMATION. IT IS NOT INTENDED TO PROVIDE SPECIFIC INSURANCE INFORMATION OR ADVICE FOR ANY INDIVIDUAL OR BUSINESS ENTITY, NOR IS IT INTENDED TO PROVIDE FINANCIAL, LEGAL, ACCOUNTING OR TAX ADVICE, AND SHOULD NOT BE RELIED UPON FOR SUCH ADVICE. PERSONS SEEKING INSURANCE ADVICE SHOULD CONTACT RSA DIRECTLY SO THAT ALL THE UNIQUE AND INDIVIDUAL CIRCUMSTANCES CAN BE TAKEN INTO ACCOUNT.
 
DISCLAIMER- Information Accuracy
 
WE STRIVE TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS WEBSITE. HOWEVER, WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OR TIMELINESS OF THE INFORMATION PROVIDED ON THIS WEBSITE. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS ON THIS WEBSITE. ALL INFORMATION ON THIS WEBSITE, INCLUDING INFORMATION ABOUT THE SCOPE OF INSURANCE COVERAGE, IS SUBJECT TO CHANGE WITHOUT NOTICE.
 
NOTHING STATED IN THIS WEBSITE SHALL BE CONSTRUED TO EXTEND, EXPAND OR MODIFY THE TERMS OF ANY CONTRACT OF INSURANCE THAT EXISTS OR SHALL EXIST IN THE FUTURE. ANY QUESTIONS ABOUT THE INSURANCE PRODUCTS DESCRIBED ON THIS WEBSITE SHOULD BE DIRECTED TO RSA AT:
 
Royal & Sun Alliance Insurance Company of Canada
Attn: Claims Management Services
Sheridan Insurance Centre
2225 Erin Mills Parkway , Suite 1000
Mississauga, Ontario
L5K 2S9
Toll-Free:  1-888-877-1710
 
Use of Your Personal Information
 
By using this Website and entering information, you agree that we may use your personal information to have one of our claims representatives contact you by email and/or telephone in respect of your claim or related purposes. In particular, you may be contacted by our claims representatives to be notified of successful claim submission and claim status,  and in situations where more information is required by us to settle a claim. RSA will only use your personal information submitted to this Website in accordance with applicable privacy laws and our privacy policy. For information about our personal information practices, kindly refer to our privacy policy.
 
Cookies
 
To access our online claims reporting system and in order for us to save your claims report, you must allow our server to save a small file (called a “cookie”) on your computer. If you deactivate cookies in your navigation software, you will not be able to use the Website to report a claim. Cookies also give us capability to understand how visitors use our site. We use this information to optimize our website and improve the visitor’s experience.
 
Intellectual Property
 
This Website contains the trademarks, trade names, processes, methodologies as well as copyrighted and other proprietary material owned by RSA and/or our affiliated companies (the "Intellectual Property"). The Intellectual Property on this Website is protected from copying or reproduction under the laws of Canada and other countries and nothing contained herein shall be construed as conferring by implication or otherwise any licence or right under any patent, trademark, copyright or other proprietary right. You may only use the Intellectual Property in conjunction with your lawful use of this Website in accordance with these terms and conditions and any other use of the Intellectual Property is strictly prohibited. Any right in the Intellectual Property not expressly granted in these terms and conditions are reserved.
 
Links
 
We have not reviewed any or all of the sites that may be linked to this Website and we are not responsible for any sites linked to this Website. Your linking to any sites from this Website is at your own risk. By linking to a site or permitting a link to this Website, we do not endorse or accept any responsibility for the site operator or the content linked to the site.
 
Limitation of liability
 
NONE OF ROYAL & SUN ALLIANCE INSURANCE COMPANY OF CANADA (INCLUDING ANY OF ITS THIRD PARTY ADMINISTRATORS, AGENTS, EMPLOYEES, DIRECTORS AND OFFICERS), SHALL BE LIABLE FOR ANY LOSS, HARM OR DAMAGE, INCLUDING WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, THIRD PARTY OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED AND EVEN WHERE THE LIKELIHOOD OF SUCH DAMAGES WAS FORESEEABLE, TO ANY PERSON AS A CONSEQUENCE OF, OR ARISING OUT OF:
YOUR ACCESS TO, OR USE OF, THIS WEBSITE OR ANY MATERIAL PUBLISHED ON THIS WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES; AND
THE FAILURE OF INFORMATION TO BE PROPERLY TRANSMITTED TO US UNLESS WE CONFIRM RECEIPT OF THE INFORMATION BY FACSIMILE TRANSMISSION OR BY REGULAR MAIL.
YOU AGREE THAT THE USE OF THIS WEBSITE, AND ANY SITES LINKING TO OR FROM THIS WEBSITE, IS ENTIRELY AT YOUR OWN RISK.
 
Jurisdiction 
 
By accessing and using this Website, you agree that the laws of the Province Ontario and the applicable federal laws of Canada apply, without reference to any conflict of law principles, to any issue that might arise regarding this Website. You hereby irrevocably attorn to the exclusive jurisdiction of the courts of the Province of Ontario for any claims relating to these terms of use or the Website.