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Terms and Conditions | Privacy Policy | Policy Cancelations and Refunds

Terms and Conditions

Legal

These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you are deemed to have accepted these terms and conditions. If you do not agree with these terms and conditions, then please refrain from using this website.

Please note that this website is intended for use by residents of Canada whilst in Canada only. It is not applicable to residents/investors of other countries because the law in other countries may restrict the distribution of the information and products on this website. For the avoidance of doubt none of the information on this website constitutes an offer to contract in any country in which it is accessed, including (without limitation), Canada.

General

This website is provided by Capri Insurance Services Lts of1500 Hardy Place, Kelowna, BC, V1Y 8H2

Some of the information available on this website has been provided by other companies. Separate terms and conditions govern that information and these are available when you access the relevant pages within the websites of those companies. This website may also contain hypertext links to websites operated by other third parties. The responsibility for those websites belongs to the third parties who are identified as operating those websites. Separate terms and conditions will apply to those websites and you are encouraged to read those if you access those links.

 Availability

Capri Insurance will endeavor to ensure that this website is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the website is unavailable for any time or for any period. Capri Insurance will have the right to suspend access to this website temporarily or permanently and without notice. Capri Insurance will not be liable for any loss or damage arising in contract‚ tort or otherwise if this website is unavailable or is suspended for any reason.

 Information

The information contained on this website is provided for information purposes only and Capri Insurance will use reasonable care and skill to ensure that it is accurate at the date of publication. However‚ because of the nature of the Internet‚ there may be circumstances in which errors occur within the information. Consequently, Capri Insurance makes no warranty as to the accuracy of any information on this website and cannot accept liability for any errors or omissions within it.

 Security

Capri Insurance will take all reasonable steps to ensure that any information you provide via e-mail on this website is kept secure‚ but please remember that‚ because of the nature of the Internet‚ the security of emails cannot be guaranteed. Consequently, your privacy cannot be guaranteed. There is no guarantee that any emails sent will be received by us. We process information about you in accordance with our privacy policy. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.

Additional information regarding the security of personal data is available in our Privacy Statement.

Capri Insurance shall not be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation, any losses in relation to your use of, reliance upon or inability to use this website.

 Copyright and other Intellectual Property Rights

Capri Insurance owns the copyright and all other intellectual property rights existing on or within this website. You are not permitted to download‚ print‚ redistribute or extract any information from this website other than for your personal‚ non-commercial use and not for any purpose that damages our reputation or takes advantage of it.

You are not permitted to reproduce‚ modify or in any way change any of the information available on this website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You may link to our home page, provided you do so in a way that is fair and legal does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.

Our status (and that of any identified contributors) must always be acknowledged as the authors of material on our website.

 Data Protection and Privacy

Any personal information you supply to Capri Insurance via this website will be treated in accordance with the Data Protection Act 1998 and the Privacy and Electronic Communications Regulations 2003. Additional information regarding the privacy of personal data is available in our privacy policy.

Hypertext links from this website

Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. Capri Insurance cannot warrant that this website is free of viruses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of this website. We may revise these terms and conditions use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms and conditions of use may also be superseded by provisions or notices published elsewhere on our website.

Applicable Law

Capri Insurance has established this website in British Columbia, Canada. We have chosen the laws of Canada to apply to this website and for any dispute to be heard by the Courts of Canada.

  Your concerns

If you have any concerns about material which appears on our website, please contact our privacy officer at tmiller@capri.ca

Revised January 1st, 2010

 

Capri Privacy Policy

Our Privacy Policy and Commitment to Protecting Your Privacy

We value your business and thank you for your confidence in choosing Capri as your broker.  As our client you trust us with your personal information.  We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.

Any personal information you supply to Capri Insurance via our website will be treated in accordance with the Data Protection Act 1998 (including any further amendments) and the Privacy and Electronic Communications Regulations 2003.

How We Collect, Use and Disclose Your Information

As a client you share personal information so that we may provide you with products and services that best meet your needs.  We assume your consent for us to use this information in an appropriate manner.  We may use and disclose this information in order to:

  • Communicate with you.
  • Negotiate, secure, assess, underwrite and price insurance products.
  • Evaluate and expedite claims.
  • Detect and prevent fraud.
  • Analyze business results.
  • Act as required or authorized by law.

We may disclose your information to:

  • Insurance or surety companies (also known as underwriters)
  • Other insurance brokers or agents
  • Credit organizations
  • Professional firms working with us such as adjusters or lawyers
  • Financial institutions – as an example, your mortgage company

What We Will NOT do with Your Information

We do not sell customer information to anyone.  Nor do we share customer information with organizations outside of Capri/Intercity Group of Companies that would use it to contact you about their own products or services.

We Strive to Protect Your Personal Information

Our employees and brokers who are granted access to customer records understand the need to keep this information protected and confidential.  They know they are to use the information only for the purposes intended.  This expectation is clearly communicated.

We've also established physical and systems safeguards, along with the proper processes, to protect customer information from unauthorized access or use.

Your Privacy Choices

You may withdraw your implied consent at any time (subject to legal or contractual obligation and on providing us reasonable notice) by contacting our Privacy Officer.  Please be aware that withdrawing your consent may prevent us from providing you with the requested product or service.

We do not intentionally collect any information via this website from children under 16 years of age, and unless the information was collected in connection with a policy claim, shall delete the details of such users when a parent or guardian notifies us that any details have been obtained from their child.

This website may contain links to other websites which are outside our control and are not covered by this Privacy Statement. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy policy, which may differ from ours.

We may occasionally use your personal information to tell you about our other services or products that we believe may be of interest to you.  If you would rather not receive this type of communication, please let us know through our Privacy Officer.

 

Policy Cancelations and Refunds

Policy cancelation and termination terms are stated in the Statutory Conditions of each policy. Please refer to your policy documents for specific details pertaining to your policy.

 

If you have a complaint, please contact us at the following address:

Capri Insurance
Suite 100-1500 Hardy St.
Kelowna, BC
V1Y 8H2

Email: service@capri.ca
Phone: 1+250 860 2426
Toll Free: 1 800 670 1877


Privacy Officer
Tim Miller
Phone: 1+250 860 2426 ext. 1099
Email: tmiller@capri.ca

Revised January 1st, 2010

Manulife Securities Privacy disclaimer
Manulife Securities Investment Services Inc. is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy, please call us at 1-800-991-2121.

Capri Head Office
100 -1500 Hardy Street
Kelowna, BC V1Y 8H2


Toll Free: 1.800.670.1877
Ph: 250.860.2426
Fax: 250.860.1213