INTELLECTUAL PROPERTY RIGHTS AND DISCLAIMER NOTICES

COPYRIGHT NOTICE

Waypoint Insurance Services Ltd. (“Waypoint Insurance”) either owns the intellectual property rights in the text, images, video, audio and underlying code presented on this site, or has obtained permission of the owner to use the content on this site.

Waypoint Insurance and its affiliates retain all copyright ownership in the material presented on this website. Waypoint Insurance authorizes you to view, copy and print documents published by Waypoint Insurance on the World Wide Web for non-commercial use within your home or organization only. In consideration of this authorization, you agree that any copy of these documents shall retain all copyright and proprietary notices contained at the bottom of each page. Each document published by Waypoint Insurance may contain other copyright information and proprietary notification relating to that individual document.

Except as stated above, no part of this Web site may be reproduced, framed, stored in any retrieval system, or transmitted in any form or by any means, electronic, mechanical, printing, photocopying, recording, or otherwise.

Nothing contained herein shall be construed as conferring by estoppel, implication or otherwise any licence or right under any trade-mark of Waypoint Insurance or any third party. Except as provided above, nothing contained herein shall be construed as conferring any license or right under any Waypoint Insurance copyright.

TRADEMARK NOTICE

The Waypoint Insurance name and logo and all related product and service names, design marks and slogans are the trade-marks, service marks or registered trade-marks.

Except as provided for under the Copyright Notice, any reproduction of any of these marks without the express written consent of Waypoint Insurance is strictly prohibited.

USER INFORMATION

All questions, comments, suggestions or the like regarding the content of any Waypoint Insurance document shall be deemed to be non-confidential and Waypoint Insurance shall have no obligation of any kind with respect to such information, and shall be free to reproduce, use, disclose and distribute the information to others without limitation.

Furthermore, Waypoint Insurance shall be free to use any ideas, concepts, techniques, or know-how contained in such information for any purpose, including but not limited to, development, manufacturing and marketing products that incorporate such information.

NO WARRANTIES

Every effort has been made to ensure the accuracy of the information presented on this Web site. However, Waypoint Insurance assumes no responsibility for the accuracy of the information. Waypoint Insurance may make improvements and/or changes in the products and/or programs or services described in this Web site at any time without notice.

To the fullest extent permitted by applicable law, this information is provided “AS IS” without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Waypoint Insurance shall not under any circumstances be liable to any person for any special, incidental, indirect or consequential damages, including, without limitation, damages resulting from use of or reliance on the information presented on this Web site, loss of profits or revenues or costs of replacement goods, even in informed in advance of the possibility of such damages.

DISCLAIMERS

Portions of the website may contain commentary on or plain language interpretations of laws and regulations, which is presented for general assistance only. Opinions, commentary and interpretation are those of the author alone, and are not to be construed as legal advice. The official versions of these laws and regulations govern and should be referred to by the user. Official versions of statutes and regulations can be found on relevant government websites, including Department of Justice Canada and Revised Statutes and Consolidated Regulations of British Columbia. For proper legal advice and interpretation, users should consult their own legal advisors. Also, material presented on this website may not be up-to-date or constitute a review of all relevant laws relating to a particular matter.

Reference in this Web site to any products, services, processes, hypertext links to third parties or other information by trade name, trade-mark, manufacturer, supplier or otherwise does not necessarily constitute or imply its endorsement, sponsorship or recommendation by Waypoint Insurance. Product and service information are the sole responsibility of each individual vendor.

LIMITATION OF LIABILITY

By transmitting any data or information to Waypoint Insurance or any of its affiliates from this web site, you agree to assume all of the risks associated therewith, including the interception of such data or information by third parties in any manner whatsoever, and you further agree that neither Waypoint Insurance nor any of its affiliates will be liable for any direct, indirect, incidental, consequential or special loss or damage suffered or incurred by you, even if Waypoint Insurance or any of its affiliates has been apprised of the likelihood of such loss or damage occurring.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so parts of the above exclusion and limitation may not apply to you.