Terms and conditions

Acceptance of Conditions
By accessing and browsing this Website, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. Consugo Ltd. (Consugo®) may at any time revise these Terms and Conditions by updating this posting. Users agree to be bound by such revisions, and should periodically revisit this page to review the current Terms and Conditions.
Information Accuracy
Although the contents of this Website are deemed reliable when posted, Consugo cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time to time without notice.

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.

Product Availability
The products and services referred to on this Website may not be available in all geographic regions. All products and services provided by the participating suppliers on the Consugo Website are subject to the terms, conditions and limitations of each supplier.

Copyright & Trademarks
All contents of this Website are the copyright of Consugo and are protected under the copyright laws of Canada and other countries. All rights reserved. In addition, 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 Consugo. Any infringement of Consugo's rights will result in appropriate legal action.

The following trademark is registered in the United States and Canada.
Consugo®
Hypertext Links
This Website facilitates other Worldwide Web sites via hypertext links. These hypertext links are entirely independent of Consugo and shall NOT in any manner be construed as any reflection on or any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this Website.

Consugo does not frequently review linked Websites. The right to reproduce and use the content linked from Consugo 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.

Email
Consugo will not accept transactions or instructions by Internet email messages. However, 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 Consugo or its affiliates and may be used for any purpose. Consugo is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.

Liability
Consugo, 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 Consugo regarding this site, and to settle such dispute in the courts of Ontario.

From our legal department

Our Legal Statement
The insurance quotes being provided by this system are based on the information you, the user, provide and the underwriting criteria of our participating companies. All quotes are subject to verification by our insurance suppliers. Please ensure that all information provided is accurate in order to avoid delay or denial of coverage.

In the event that there are any discrepancies between the quotes being provided by this system and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern.

If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers listed on the Consugo Web site reserve the right to refuse to issue an insurance contract based on this fact.

The benefits and services provided through this quoting system are subject to the terms, conditions and limitations of the applicable agreement(s) governing them.