Terms & Conditions

Last updated: March 18, 2019

These Terms and Conditions (“Terms”, “Terms
and Conditions”) govern your relationship with
https://www.cluettinsurance.ca/ website (the “Service”) operated by
Cluett Insurance Brokers Inc. (“us”, “we”, or
“our”).

Please read these Terms and Conditions carefully before
using the Service.

Your access to and use of the Service is based on your
acceptance of and compliance with these Terms. These Terms apply to all
visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by
these Terms and accept all legal consequences. If you do not agree to these
terms and conditions, in whole or in part, please do not use the Service.

Intellectual Property

The Service and all contents, including but not limited to
text, images, graphics or code are the property of Cluett Insurance Brokers
Inc. and are protected by copyright, trademarks, database and other
intellectual property rights. You may display and copy, download or print
portions of the material from the different areas of the Service only for your
own non-commercial use. Any other use is strictly prohibited and may violate
copyright, trademark and other laws. These Terms do not grant you a license to
use any trademark of Cluett Insurance Brokers Inc. or its affiliates. You
further agree not to use, change or delete any proprietary notices from
materials downloaded from the Service.

Links To Other Web Sites

The Service may contain links to third-party web sites or
services that are not owned or controlled by Cluett Insurance Brokers Inc..

Cluett Insurance Brokers Inc. has no control over, and
assumes no responsibility for, the content, privacy policies, or practices of
any third party web sites or services. You further acknowledge and agree that
Cluett Insurance Brokers Inc. shall not be responsible or liable, directly or
indirectly, for any damage or loss caused or alleged to be caused by or in
connection with use of or reliance on any such content, goods or services
available on or through any such websites or services.

We strongly advise you to read the terms and conditions and
privacy policies of any third-party web sites or services that you visit.

Indemnification

You agree to indemnify, defend and hold harmless Cluett
Insurance Brokers Inc., its principals, officers, directors, representatives,
employees, contractors, licensors, licensees, suppliers and agents, from and
against any claims, losses, damages, obligations, costs, actions or demands.

These include but are not limited to: (a) legal and
accounting fees resulting from your use of the Service; (b) your breach of any
of these Terms; and (c) anything you post on or upload to the Service.

Limitation Of Liability

Cluett Insurance Brokers Inc., its directors, employees,
partners, agents, suppliers, or affiliates, shall not be liable for any loss or
damage, direct or indirect, incidental, special, consequential or punitive
damages, including without limitation, economic loss, loss or damage to
electronic media or data, goodwill, or other intangible losses, resulting from
(i) your access to or use of the Service; (ii) your inability to access or use
the Service; (iii) any conduct or content of any third-party on or related to
the Service; (iv) any content obtained from or through the Service; and (v) the
unauthorized access to, use of or alteration of your transmissions or content,
whether based on warranty, contract, tort (including negligence) or any other
claim in law, whether or not we have been informed of the possibility of such
damage, and even if a remedy set forth herein is found to have failed of its
essential purpose.

Disclaimer And Non-Waiver of Rights

Cluett Insurance Brokers Inc. makes no guarantees,
representations or warranties of any kind as regards the website and associated
technology. Any purportedly applicable warranties, terms and conditions are
excluded, to the fullest extent permitted by law. Your use of the Service is at
your sole risk. The Service is provided on an “AS IS” and “AS
AVAILABLE” basis. The Service is provided without warranties of any kind,
whether express or implied, including, but not limited to, implied warranties
of merchantability, fitness for a particular purpose, non-infringement or
course of performance, except as provided for under the laws of any province in
Canada. In such cases, the provincial law shall apply to the extent necessary.

Cluett Insurance Brokers Inc. its subsidiaries, affiliates,
and its licensors do not warrant that a) the Service will function
uninterrupted, secure or available at any particular time or location; b) any
errors or defects will be corrected; c) the Service is free of viruses or other
harmful components; or d) the results of using the Service will meet your
requirements.

If you breach any of these Terms and Cluett Insurance
Brokers Inc. chooses not to immediately act, or chooses not to act at all,
Cluett Insurance Brokers Inc. will still be entitled to all rights and remedies
at any later date, or in any other situation, where you breach these Terms.
Cluett Insurance Brokers Inc. does not waive any of its rights. Cluett
Insurance Brokers Inc. shall not be responsible for any purported breach of
these Terms caused by circumstances beyond its control. A person who is not a
party to these Terms shall have no rights of enforcement.

You may not assign, sub-license or otherwise transfer any of
your rights under these Terms.

Exclusions

As set out, above, some jurisdictions do not allow the
exclusion of certain warranties or the exclusion or limitation of liability for
consequential or incidental damages, so the limitations above may not apply to
you. Provincial laws of Canada may apply to certain products and service
provided.

Governing Law

These Terms shall be governed by, and interpreted and
enforced in accordance with, the laws in the Province of Nova Scotia and the
laws of Canada, as applicable.

If any provision of these Terms is held to be invalid or
unenforceable by a court of competent jurisdiction, then any remaining
provisions of these Terms will remain in effect. These Terms constitute the
entire agreement between us regarding our Service, and supersede and replace
any prior agreements, oral or otherwise, regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or
replace these Terms at any time. If a revision is material we will make
reasonable efforts to provide at least 30 days’ notice prior to any new terms
taking effect. What constitutes a material change will be determined at our
sole discretion.

By continuing to access or use our Service after those revisions
become effective, you agree to be bound by the revised terms. If you do not
agree to the new terms, in whole or in part, please stop using the website and
the Service.

Contact Us

If you have any questions about these Terms, please contact
us.