Legal Notices
Conditions of Use
This page sets forth the terms and conditions under which we provide the information on this website, as well as the terms and conditions governing your use of this site. By making use of this site, you agree to be bound by the terms and conditions we have outlined below. If you do not accept these terms and conditions, do not continue to use and access this site. Further, the terms and conditions may be revised periodically by updating this posting. By making further use of this site you are bound by such revisions. You should therefore periodically access this page to review the current conditions of use.
Application
No representations are made as to whether the information is applicable or available in any other country, which may have access to it. If you are accessing this site outside Canada, we would be pleased to advise if we have any products or services which may be available to you in your own country if you send us a message via our Contact Us page.
Confidentiality
Information concerning The Travelers Companies, Inc. or any of its associated companies, subsidiaries, their employees, policyholders, customers, agents or others on whom data is collected, stored, or processed is the property of Travelers and is confidential except for necessary disclosures required by law and in compliance with out Privacy Policy.
Privacy/Personal Information
Travelers recognizes the need for privacy policy and takes care to protect the privacy of customers and users of the site. For more details, please read our Privacy Policy.
When you visit the site some information is necessarily collected in order that your Internet Provider address be recognized by the server. We may use this information to analyze use of our site. Individual users are not identified and we do not use "cookies" for research.
Hypertext Links are not covered by this privacy policy.
If you visit this site from outside Canada your visit will necessarily result in the transfer of information across international borders. By visiting this site and communicating electronically you are consenting to these transfers.
Accuracy of Information
The contents of this Website are provided for informational purposes only. While this Website has been compiled in good faith by Travelers, all information is provided "as is". Travelers does not warrant or guarantee the accuracy or completeness of the information provided on this Website. Under no circumstances will Travelers be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on this information.
The information on this Website may be changed or updated without notice. Travelers may also make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.
Copyright Notice
The contents of this website are the property of Travelers and/or its associated companies and are subject to copyright with all rights reserved.
Trade-marks
All trade-marks, trade names, logos, icons and images are the property of or proprietary to Travelers. Nothing on this website should be construed as granting any license or right to use any trade-mark or image shown herein, without the written permission of Travelers or such third party that may own the trade-marks shown. Your use of the trade-marks or images shown on this website, or any other content on this website, except as provided and specifically permitted herein, is prohibited. Any unauthorized use may violate copyright laws and/or trade-mark laws.
Hypertext Links
You may note that various sections of the pages on this site provide hypertext links to other sites created by other organizations.
We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timelines of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors.
If you would like to provide a hypertext link from your site to this site, please request our permission to do so. To request such permission, send a message via our Contact Us page. Please include your name, address and telephone number, a description of your site and the reason why you would like to establish a link to this site.
Travelers does not warrant that this website or the server that supplies it is free of viruses or other harmful components. It is up to you to take precautions to ensure that whatever you select for your use are free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature. IN NO EVENT WILL THE ST. PAUL BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY YOUR ACCESS TO, USE OF, OR BROWSING IN THIS WEBSITE, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR ANY OTHER HYPERLINKED WEB SITE.
Products and Services
Please note that none of the information contained in this Web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products Travelers generally offers.
Coverage statements on this Web site are for general description purposes only. This Web site does not amend, modify or supplement the policies. Furthermore, all coverages may not be available in every jurisdiction. Consult the actual policy or send us a message via our Contact Us page for the names of agents who can supply you with details regarding terms, conditions, coverages, exclusions, products, and services.
Disclaimer
To the extent allowed by law, Travelers specifically disclaims all warranties with respect to this site or your use thereof, express, implied, or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose. Travelers shall not be liable for any damages resulting from the use or misuse of this site or the information on this site.
Professional Advice
The information provided on this site is distributed with the understanding that The St. Paul is not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the advice of a qualified professional in the relevant field.
Enforceability of These Provisions
Should any of these terms and conditions be held invalid, that invalid provision shall be construed to be consistent with the applicable law, and in a manner so as to remain consistent with the original intent of Travelers. Provisions not otherwise held invalid shall remain in force.
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Travelers - Canada