Terms of Use

Groom Insurance Ltd., hereafter referred to as "Groom Insurance Ltd.," encourages you to visit its Web site to learn more about its products and services.

By accessing our Web site, you are confirming that you consent to the terms of use outlined below. For this reason, Groom Insurance Ltd. asks you to read the terms outlined below before opening any of the applications. If you are unwilling to read these terms and to be subject to the terms and obligations listed, we ask that you please cease navigation on the Groom Insurance Ltd. Web site.

The terms of use described on our Web site may be modified at any time without prior notice. For this reason, we ask that you read this legal notice periodically.

The purpose of the obligations and terms outlined below is to protect your interests as well as those of Groom Insurance Ltd.

Limited Responsibility: Functions and Applications of the Web Site

In compliance with insurance industry standards, Groom Insurance Ltd. has taken all reasonable measures to ensure the security of its Web site. Despite these reasonable efforts, Groom Insurance Ltd. offers no promise, guarantee, or representation with regard to the functions and applications of its Web site. It is possible for applications and functions to be interrupted or temporarily unavailable or to contain errors or viruses.

Groom Insurance Ltd. is not responsible for any loss or damage caused to your computer system or to any related equipment. By accessing this Web site, you release Groom Insurance Ltd. against any loss, damage or harm, and you also agree to be responsible for any loss, breach, damages, expense or harm you may incur as a result. Groom Insurance Ltd. is not responsible for the payment of any damages, whether direct, indirect, accessory, liquidated, general, punitive, exemplary, consequential or aggravated, that you or any third party may incur or claim. This indemnification extends to the employees, agents and representatives of Groom Insurance Ltd. and to the designers, producers and publishers of this Web site as well as to their employees, agents and representatives.

Limited Responsibility: Web Site Content

In spite of the fact that Groom Insurance Ltd. takes measures to ensure the accuracy of the information its Web site contains, it is possible that errors may occur or information be omitted. The information on this Web site is provided on an "as is" basis. Groom Insurance Ltd. does not guarantee the accuracy of any information presented on this Web site for any purpose and assumes no responsibility in this regard. Groom Insurance Ltd. is not responsible for the payment of any damages, whether direct, indirect, accessory, liquidated, general, punitive, exemplary, consequential or aggravated, that you or any third party may incur or demand. This indemnification extends to the employees, agents and representatives of Groom Insurance Ltd. and to the designers, producers and publishers of this Web site as well as to their employees, agents and representatives.

Access

Groom Insurance Ltd. provides access to this Web site 24 hours a day, seven days a week. We cannot guarantee access in the event of system outages, breakdowns or similar problems that may occur and make access to this site impossible.

Availability of Products to Selected Provinces Only

When accessing the Groom Insurance Ltd. Web site, you acknowledge the fact that our insurance products are not available in every province of Canada.

GROOM INSURANCE LTD. INSURANCE PRODUCTS ARE OFFERED AND AVAILABLE ONLY IN SELECTED PROVINCES OF CANADA AND ONLY TO THE RESIDENTS OF THOSE PROVINCES.

You therefore indemnify Groom Insurance Ltd. against any loss, damage or harm you may incur as a result of the fact that a particular product is not available in your country or province of residence.

The information about the available insurance products and services described on this Web site is neither detailed nor exhaustive, and no representation made on this site should be interpreted as any type of offer, whether express or implicit. For further information about our products, we invite you to contact one of our representatives or our main office at (506)755-3381 / (506)529-8900.

Links

This Web site may contain links to other Web sites that were not created by Groom Insurance Ltd., which is therefore not responsible for the accuracy of the content of those Web sites.

Exclusive Rights

This Web site is the exclusive property of Groom Insurance Ltd. It is strictly forbidden to copy, reproduce, publish, download, transmit or distribute in any manner the contents of this site, including any text, images or photographs, or video or audio content for commercial purposes or any other purpose than strictly for your personal use without the written consent of Groom Insurance Ltd.

It is strictly forbidden to use any text, images, photographs or video or audio material from this Web site other than for the purposes outlined in this document. Any unauthorized use could infringe upon copyright or rights related to the respect of privacy and advertising. However, it is permitted to download items from this Web site strictly for your personal use on the condition that you respect Groom Insurance Ltd.'s copyright.

Jurisdiction

This site and the conventions and obligations contained herein are governed by the laws of the Province of New Brunswick and any applicable federal laws. Any proceedings, claims or conflicts fall under the exclusive jurisdiction of the courts of the Province of New Brunswick.

Groom Insurance Ltd. is not responsible for and does not guarantee that the use of the contents of this Web site will never breach the rights of any third party. When accessing this site, you accept the responsibility for complying with any current legislation in effect at the location from which you access this site.

Unless otherwise indicated or stipulated expressly on this Web site, no written representation contained on this Web site constitutes any offer of sale or request to purchase insurance products. All products or services described on this site are subject to the terms of the relevant contracts.

Trademarks

Groom Insurance Ltd. is the owner of all trademarks, logos, trade names and trade images presented on this Web site. No element contained on this Web site may be interpreted in any manner as offering the right, express or implicit, to use or reproduce any trademark, logo, trade name or trade image found on this Web site. All trademarks, logos, trade names and trade images are protected by Canadian and foreign legislation.

Copyright

The content of this site is protected under the Copyright Act of Canada. It is permitted to copy electronically or print the content of this site strictly for your personal use. However, it is forbidden to reproduce, use, modify, distribute or redistribute in any manner the content of this site without the written authorization of Groom Insurance Ltd. If you wish to obtain authorization for this purpose, please contact us.

Groom Insurance Ltd. 
15 Main Street
St. George, NB
E5C 3P1

176 Water Street
St. Andrews, NB
E5B 1B2

By phone: (506)755-3381, (506)529-8900

E-mail address: groom@nbnet.nb.ca / groominsurance@nb.aibn.com

Confidentiality

Despite Groom Insurance Ltd.'s commitment to protect the confidential nature of your personal information, we wish to inform you that communication via Internet entails a certain amount of risk. We encourage you to consult our site's Privacy section to read more about our commitment to protecting your personal information.

Professional Advice

This site does not purport to offer any type of advice, whether financial, accounting, tax-related or legal. We encourage you to address any needs you may have in these areas by retaining the services of a professional.

Financial Representation

Any representations of a financial nature contained on this site, including rates of return for insurance products, interest rates and unit values, reflect the conditions prevailing on the date on which they were incorporated into this site. Although this information is updated regularly, it is impossible to guarantee that information of a financial nature will always be accurate, complete and up to date at the time you visit this site. We encourage you to contact us at our E-mail addresses: groom@nbnet.nb.ca , groominsurance@nb.aibn.com or one of our representatives for further information regarding rates of return, interest rates or the daily unit values of our products.


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