2 Our Service
2.1 We provide an independent online service which enables you to research and compare Life Insurance, Critical Illness and Other Living Benefit products while using this Website. Our comparison service is free for you to use.
2.2 Please be aware that nothing on this website is an endorsement by us in respect to a product or service we refer to. Rather, this website holds lists of recommendations that can help advise various products and services, and information is provided for general purposes only. Information should not be relied upon, as it is provided for you to select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this website, we suggest that you seek independent professional advice before you obtain any product or service via this website.
2.3 We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.
2.4 We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.
3 Permitted use
3.1 You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this website other than for your personal, non-commercial purposes is strictly prohibited.
3.2 You are not permitted to use this Website:
In any unlawful, fraudulent or commercial manner.
To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person’s privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us.
To create, check, confirm, update, modify or amend your own or another person’s databases, records or directories.
To tamper with, modify, reverse engineer or amend any part of this Website.
In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us.
Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system.
3.3 You may operate a link to this website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website at any time and we may withdraw any linking permission at any time.
4 Intellectual property rights
4.1 The copyright in the information, content, material or data displayed on this Website belongs to us. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions:
It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, reutilized or reproduced without our prior written consent.
You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system.
It may not be sold or transferred to any third party.
The copy must retain any copyright or other intellectual property notices contained in the original material.
Images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s).
No logos, trade marks or service marks displayed on this Website may be printed or downloaded, except as part of the text of which they form part.
You must not modify the paper or digital copies of such information, content, material or data.
It may not be excerpted, utilized, used, reproduced, published, reformatted and/or displayed on any other website without our prior written consent.
The status of us and our licensors as the authors of such information, content, material or data must be acknowledged.
4.2 All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trade marks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us and all such rights are reserved.
4.4 You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish or otherwise make publicly available on or through this Website (“User Content”). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilize, extract, make available and transmit such User Content in any manner and for any purpose. Sections 5, 6 and 7 are important and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.
5 Limits to our liability
5.2 While we use reasonable endeavors to ensure information on this website is accurate, up to date and will correct errors after becoming aware – we do not check, monitor, review, verify or endorse, and are not responsible or liable for any loss or damage you may suffer or incur in connection with, any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this Website or any third party websites. Such information, content, material or data may be inaccurate, incomplete or out of date. It is your responsibility to check that such information, content, material or data is accurate, complete, correct and up to date.
5.3 Any views, opinions, advice, reviews, ratings or comments on this website or any third party websites which are made by third parties (including User Content as described in paragraph 4.5) do not represent our views, opinions or advice, should not be relied upon by you and are not checked, monitored, reviewed, verified or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, reviews, ratings or comments including in relation to their accuracy, truthfulness or completeness.
5.4 We do not give any warranty or guarantee that this Website, any third party website or any information, content, material or data on this Website or any third party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. You must ensure that you use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur in this regard where caused by any third party.
5.5 We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception or decryption of it by others.
5.6 We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.
5.7 We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.
6 Disclaimer of Warranties.
6.1 Use of this website and/or the services is at your own risk. Neither the Materials, Submissions nor the Third Party Content have been verified or authenticated in whole or in part by LSMInsurance.ca, and they may include inaccuracies or typographical or other errors. LSMInsurance.ca does not warrant the accuracy or timeliness of the Materials, Submissions or the Third Party Content contained on this Site. LSMInsurance.ca has no liability for any errors or omissions in the Materials, Submissions and/or the Third Party Content.
LSMInsurance.ca MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS OR THIRD PARTY CONTENT, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. LSMInsurance.ca DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.
7 Your responsibilities
7.1 You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content as described in paragraph 4.5) is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this website or the websites of third parties or any other technology.
7.2 You must check and ensure that all information, content, material or data you provide on this website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.