Legal Terms / Terms of Use

The contents of this Website (the "Website") are proprietary to Johnson Inc. (“Johnson”). Johnson is part of the Johnson Group of Companies and also includes The Johnson Corporation, Unifund Assurance Company, D.L. Deeks Insurance Services Inc. and any respective subsidiaries. In certain locations Johnson operates under various trade names and styles that it owns, including, but not limited to, Johnson Insurance, Johnson Assurance, Johnson Insurance Services, Johnson Specialty Insurance Solutions, Morgex Specialty Insurance Solutions, Flewwelling Insurance, Bradley's Insurance - Home and Auto, Morgex Insurance, Haber Blain Insurance, Crain & Schooley Insurance, JB Insurance Services, Pratt, Lambert & Brown Home and Auto, Johnson Specialty Kanata, Broker Title Services, Security Insurance and Meyer’s Insurance. Under license from the owner of the brand name, Johnson also operates under the trade name and style, "Servus Insurance Services - Home and Auto". The Johnson Group of Companies is a part of RSA Canada. RSA Canada also includes: Royal & Sun Alliance Insurance Company of Canada (www.rsagroup.ca), RSA Travel Insurance Inc. (www.rsatravelinsurance.ca) which operates as RSA Travel Insurance Agency in British Columbia, Canadian Northern Shield Insurance Company (www.cns.ca), Western Assurance Company (www.westernassurance.ca), Ascentus Insurance Ltd., and Quebec Assurance Company. When you access the Website, you accept and agree to be bound by and comply with the terms and conditions in respect of the Website as set forth and described herein as well as at other locations on the Website (the "Terms"). Please review the Terms. If you do not accept the terms and conditions, please refrain from accessing or using the Website.

The information provided by Johnson is believed to have been accurate and reliable when posted on the Website, but Johnson cannot and does not guarantee that it is accurate or complete or current at all times.* Johnson has no obligation to update information presented on the Website and the terms and conditions may be changed at any time without notice. You agree to review the Terms regularly and your continued access or use of the Website will mean that you agree to be bound by any such changes.

When you access the Website you agree to surrender any legal rights whatsoever resulting from the use of the Website or from any information thereon. All Terms will apply irrespective of the specific use made by Internet users of the Website.

Use of the Website

With the sole exception of insurance advice provided through the Live Chat service, the Website is not intended to provide specific insurance, financial, legal, accounting, or tax advice for any individual or business entity and should not be relied on for such advice. Persons seeking insurance advice should contact a licensed professional, such as one of Johnson's licensed insurance brokers, or agents, who can take their individual circumstances into account. The Website shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with a licensed Johnson representative.

The terms, exclusions, and conditions of the contracts relating to insurance or services mentioned on the Website are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance or financial product purchased, or to the service offered, and by any applicable laws and regulations. In case of any discrepancy between the contract and the Website, the contract will prevail and govern.

Johnson's products and services are available only in Canada, in jurisdictions where they may be legally offered for sale. Only Canadian residents who can validly be bound by an agreement under applicable laws can use the Website. Individuals residing in an area where the access to or use of the Website or any part of it is illegal or prohibited are not permitted to use the Website. It is your responsibility to determine if you can legally use the Website in compliance with all applicable laws. Not all Johnson products and services are available in all geographic regions.

This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which the distribution and selling of financial products and services by Johnson is prohibited. Persons accessing the Website are required to obtain information about and observe any relevant restrictions.

Live Chat

The Live Chat service is permission based. Prior to commencing this service, no information is collected over and above that which the Website must collect in order to access the site. Once an invitation to use the Johnson Live Chat service is accepted, all chats are monitored and recorded for accuracy, record keeping, quality control and training purposes. The Live Chat representative will require access to your customer profile as well as the information entered by you on the Website in order to assist you. As such, by using the Live Chat service, you consent to the release of such information to the Live Chat representative for the purpose of offering assistance through the Live Chat service. Home/Auto Chat representatives are licensed insurance representatives of Johnson. Claims Chat representatives are claims service representatives of Unifund Assurance Company. Any information gathered during a Live Chat session is governed by Johnson’s Privacy Policy. When you access the Live Chat service, you agree to the terms and conditions of use as outlined herein. For further information of Johnson's privacy policy or to view Johnson's privacy policy click here.

Intellectual Property

The Website is protected by Copyright laws and International Agreements on such matters, and its content cannot be altered without infringing on the author's rights and his/her moral rights.

The texts, illustrations, graphics, and images displayed on the Website are and will remain at all times the property of the author, unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published, or distributed, in whole or in part, as the case may be, without express permission from the author and Johnson.

Certain names, phrases, logos, icons, graphics, images, or designs, including the design marks, used throughout the Website may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of Johnson, its subsidiaries, affiliates or third party service providers. The display of Trademarks on the Website is not an implied license to any third party for use of the Trademarks.

Except as provided on the Website, no one has permission to copy, redistribute, reproduce, or republish any information found on the Website, which includes uploading or downloading without the prior written consent of Johnson. Any unauthorized downloading, copying, or modifying of the contents of the Website may thus be in violation of federal or common law trade mark and/or copyright laws. Any downloading, retransmission, copying, modifying, or alteration of Trademarks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.

Governing Laws and Interpretation

The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity, and effect of this Agreement and any use of the Website. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to the Terms or your use of the Website.

The terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on the Website.

If any term or condition is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the terms and conditions and shall not affect the validity and enforceability of any remaining provisions herein.

When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.

Website Content

The information contained on the pages of the Website is subject to modification and update from time to time without notice. Johnson does not guarantee or ensure the accuracy, completeness, currency, or authenticity of any Website content, Website functionality, or your transmission of any Website content from the Website to you.

Certain aspects of the Website have been prepared by persons independent from Johnson. Other World Wide Web websites that may be accessed from the Website by hypertext links are entirely independent of the Website. The inclusion of any website acknowledgments, identification of any person, or entity in the Website, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web website, products, services, or contributions to the Website. You access these sites at your own risk. Johnson cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the site or of other sites connected to the site by hyperlink.

Other World Wide Web websites which may provide access to the Website by hypertext links are entirely independent of the Website. Any direction by a third party to the Website shall not, in any manner be construed as an endorsement by Johnson of such party's World Wide Web website, products, or services. The publishers of the outside sites manage their content which are not reviewed, nor approved by Johnson. These links should not be construed as an endorsement, a guarantee, or a recommendation of the products or services offered on those sites. Johnson cannot guarantee that these links are functional or secure.

Security

You acknowledge and confirm that the internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Website cannot be guaranteed and you acknowledge that your use of the Website (including information you transmit to or through the Website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Johnson shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Privacy

Information provided by you through our Website is used for Johnson business purposes only in order to service your needs as a customer and is governed by Johnson’s Privacy Policy.

Johnson may use "cookie" or related technology in order to track usage of the Website, and in order to improve our service to you. For further information of Johnson's privacy policy or to view Johnson's privacy policy click here.

Cookies

Cookies are small data files sent to your Internet browser that allow us and our third-party service providers to recognize you when you visit the Site. If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.

We use cookies for your convenience in order to allow us to recognize you when you return to the Site, to gather information about your use of the Site, to enable the functionality of certain services available through the Site, to maintain, monitor, protect, and improve the Site, and to integrate third party services into the Site.

Any website traffic data we collect may be shared with our parent company, Intact Financial Corporation, and our affiliates in the Intact Financial Corporation group of companies consistent with the purposes set out in our Privacy Promise.

We use the following cookies to integrate the following services into this Site:

Essential and functional cookies

Essential cookies are fundamental to the running of this website and cannot be switched off. Functional cookies ensure that the website works correctly and in a secure manner. Without these cookies, services you’ve asked for such as getting an insurance quote, using online discounts, logging into your account, or paying for and renewing your policy cannot be provided. These cookies allow our website to remember choices you make (such as your username, language, or the region you're in).

Cookies we use on this site

• Adobe Experience Cloud (Adobe Analytics | Tag Manager)
• Adobe Target
• Cloudflare
• Google Fonts
• Google Static Content
• JQuery
• JsDelivr
• SalesForce Live Agent
• Youtube Embedded Player
• Website Cookies

Analytics Cookies

Analytics cookies allow us to improve the experience and performance of our website. They help us identify digital and behavioural issues experienced by visitors. The information we collect uses anonymous identifiers.

Cookies we use on this site

• Bombora - Opt-out from Bombora.
• Brightedge - Opt-out from Brightedge.
• Google Analytics - Opt-out from Google Analytics.
• Google Tag Manager - Opt-out from Google Tag Manager.
• Hotjar - Opt-out from Hotjar.
• Lotame - Opt-out from Lotame.
• New Relic - Opt-out from New Relic.
• Qualitrics - Opt-out from Qualtrics.
• Response Tap - Opt-out from Response Tap.
• Semrush - Opt-out from Semrush.
• SiteImprove - Opt-out from SiteImprove.
• Tealium - Opt-out from Tealium.
• Windows Clarity - Opt-out from Windows Clarity.
• Yahoo Analytics - Opt-out from Yahoo Analytics.
• Yext - Opt-out from Yext.

Marketing cookies

We use cookies, web beacons, pixel tags, and other technologies on our Site and other sites provided by the Intact Financial Corporation group of companies. These technologies let us deliver suitable advertisements about our products and services to you on various internet websites.

For example, cookies may be placed on your device when you visit our Site. These cookies can inform our advertising agencies and advertising networks that you have visited our Site. As you visit the websites of other companies in the advertising network, these cookies help our advertising agencies use Interest-Based Advertising techniques to predict which advertisements are likely to interest you based on your browsing patterns.

You can learn more about Interest Based Advertising and opt-out of Interest-Based Advertising on our sites by visiting the AdChoices Canada opt-out page.

Cookies we use on this site

• AdRoll - Opt-out from AdRoll.
• Bing Ads - Opt-out from Bing Ads.
• Facebook (Meta) - Opt-out from Meta.
• Frosmo - Opt-out from Frosmo.
• Google AdWords & DoubleClick - Opt-out from Google AdWords & DoubleClick.
• LinkedIn - Opt-out from LinkedIn.
• Mediamath - Opt-out from Mediamath.
• Navegg - Opt-out from Navegg.
• Pinterest - Opt-out from Pinterest.
• ShareThis - Opt-out from ShareThis.
• TikTok - Opt-out from TikTok.
• Twitter - Opt-out from Twitter.
• Verizon - Opt-out from Verizon.
• Yahoo - Opt-out from Yahoo.

Liability*

YOU AGREE THAT YOUR USE OF THE WEBSITE SHALL BE ON AN "AS IS" BASIS ENTIRELY AT YOUR RISK. NEITHER JOHNSON, NOR ANY OF ITS AFFILIATED COMPANIES, NOR ANY OFFICER, DIRECTOR, OR EMPLOYEE THEREOF, NOR ANY OTHER PERSON ASSOCIATED WITH THE CREATION OF THE WEBSITE OR ITS CONTENTS, SHALL BE LIABLE OR RESPONSIBLE TO ANY PERSON FOR ANY HARM, LOSS OR DAMAGE THAT MAY ARISE IN ANY CONNECTION WITH YOUR USE OF THE WEBSITE, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY, OR CONSEQUENTIAL DAMAGES. WITHOUT LIMITING THE FOREGOING, JOHNSON SHALL NOT BE RESPONSIBLE FOR ANY DETRIMENTAL RELIANCE THAT YOU MAY PLACE UPON THE WEBSITE OR ITS CONTENTS WHATSOEVER. THE MATERIALS AND INFORMATION ON THE WEBSITE ARE PROVIDED AS IS, AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED.

Without limiting the above, Johnson does not represent or warrant that the Website or its content will be available or will function without interruption or that it will be free of errors or that any errors will be corrected. In addition, it does not represent or warrant that the use of the site and, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms, or other destructive or disruptive components or that your use of the Website and its content will not infringe the intellectual property or other rights of any third party.

When using the site, you have to take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using the site.

*Not applicable to Quebec residents while using the MEDOC® online quote and purchase service.

Effective as of January 31, 2020.