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TERMS & CONDITIONS

1. Acceptance of Conditions
By accessing and browsing this website, you are accepting, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. OPTIMA INSURANCE GROUP, INC (OIG), may time revise these Terms and Conditions at any by updating this posting. All users agree to be bound by such revisions, and should periodically revisit this page to review the current version.

2. Copyright & Trademarks
All contents of this .website are the copyright of OIG and are protected under the copyright laws of Canada. © 2014 Optima Insurance Group Inc. All rights reserved. Certain information on this Website may be copyrighted by others. The information on this website may not be reproduced, or distributed for any other purpose in whole or in part without the prior written consent of OIG. Any infringement of OIG's copyrights and trademarks will result in appropriate legal action.

Aviva and the Aviva logo are registered trademarks of Aviva plc.

Economical ® and related trademarks, names and logos are the property of Economical Mutual Insurance Company and are registered and/or used in Canada.

Intact and Intact Insurance are trademarks of Intact Financial Corporation.

Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries, including Canada.

3. Information Accuracy
The contents of this website were deemed to be reliable when posted. Although the information provided here is modified and updated from time-to-time and without notice, OIG cannot guarantee this information to be current, accurate or complete at all times.

4. Hypertext Links
This Website facilitates other (worldwide) websites via hypertext links. These hypertext links are completely independent of OIG and do not indicate any reflection on or any affiliation with or endorsement of such website or entity or its respective products, services or contributions to this Website. OIG does not frequently review linked websites. The right to reproduce and use the content linked from OIG to other websites is:

  1. subject to the conditions that the respective owners may impose, and

  2. is at your own risk.

In general, you may reproduce these pages for the purpose of browsing them, or providing hypertext links to them, provided you do not retain these pages in any form of fixed, non-volatile storage after your session of browsing. These permissions may be withdrawn at anytime without notice.

5. Purpose of Content
The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.

6. Product Availability
The products and services referred to on this Website are currently available for residents of Ontario only. All products and services provided by the participating suppliers on the OIG Website are subject to the terms, conditions and limitations of each insurance provider.

7. Use of Email
OIG will not accept transactions or instructions regarding insurance coverage from customers by email messages. Questions of a general nature or inquiries may be communicated by submitting your question online.

Any communication transmitted to us by electronic means becomes the property of OIG or its affiliates and may be used for any purpose. OIG is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing and marketing insurance and related financial products using such information.

8. Liability
OIG, its shareholders, affiliated companies, its officers, directors, employees or any persons associated with the creation of this Website, are not responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this Website including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused.

By accessing and browsing this Website, visitors agree that the laws of Ontario and Canada apply to any issue that might arise with OIG regarding this site, and to settle such dispute in the courts of Ontario.

9. Basis of OIG's Compensation as Insurance Brokers
We earn a percentage of a customer's premium when a new home or auto policy is sold or an existing policy is renewed. This base commission is estimated to vary from 10% 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 may 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 may also be reimbursed.

 

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