Terms of Use

These Terms of Use (“Terms“) govern your use of the website (“Website”) as operated by CAA Club Group Advisory Services (“CCG Advisory“).

Each time you access or use the Website, you accept and agree to be bound by and comply with these Terms, and any additional terms, conditions and disclaimers found on the Website (“Additional Terms“). Where there is a conflict between these Terms and the Additional Terms, the Additional Terms will govern.

These Terms and the Additional Terms may be amended at any time without notice by updating the postings. Please review the Terms and Additional Terms regularly. Your continued access or use of the Website will mean that you accept and agree to be bound by and comply with the amendments to the Terms and/or Additional Terms.

The Website information, material and content (“Information“) is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. The Information may include technical inaccuracies or typographical errors, and CCG Advisory and its officers, directors, employees and agents have no obligation to update the Information. The Information may be amended, withdrawn or terminated at any time without notice.

The Information is provided solely for general informational purposes, and is not intended to provide specific insurance, legal or other advice to you, and should not be acted or relied upon in that regard

CCG Advisory products and services described on the Website relate to products and services within Canada only, and are only made available in jurisdictions within Canada where they may be lawfully offered for sale. For greater certainty, the Information contained on the Website does not constitute an offer to sell or a solicitation in connection with any CCG Advisory product or service. For information on the availability of CCG Advisory product or service in your jurisdiction, please contact CCG Advisory at 1-877-222-0060.

Each CCG Advisory product and service is subject to the terms and conditions set forth in the applicable policy in force at the time of purchase or enrollment, and applicable laws. All CCG Advisory products and services described on the Website may be amended, withdrawn or terminated at any time without notice.

The Information on the Website is protected under the copyright laws of Canada, and is for your personal use only, provided such use includes a reference to the respective copyright notice or attribution as denoted on the pages copied. Except when otherwise stipulated, the Information may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of CCG Advisory.

The names, words, titles, phrases, logos, icons, graphics or designs on the Website may constitute trademarks or trade names, registered or unregistered, of CCG Advisory or its affiliates, or of third parties (where use is under license by CCG Advisory). Users of the Website shall not republish or reproduce any trademarks in any manner without the prior written consent of CCG Advisory. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks or of any Information on the Website may be a violation of intellectual property rights which could subject the violator to legal action.

Nothing on the Website shall be construed as conferring any license of any intellectual property rights, whether by estoppel, implication or otherwise.

Any unprotected electronic communication over the Internet is not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information about you or others via the Internet. CCG Advisory is not responsible for and will not be liable to you or anyone else for any damages in connection with any electronic messages sent by you to CCG Advisory, or by CCG Advisory to you.

When you visit CCG Advisory's websites or use CCG Advisory's apps, we automatically receive and record information in our server logs from your browser or mobile platform, including the date and time of your visit, your IP address, unique device identifier, browser type and other device information (such as your operating system version and mobile network provider).

CCG Advisory uses "cookies" to identify you as a registered and/or returning visitor. Cookies are files sent from a website to a visitor's computer which may then be stored on your hard drive so we can recognize you when you return. CCG Advisory uses both session and permanent cookies. This data may be used for statistical purposes and to personalize future visits or communications (via direct mail, email or telecommunications). By setting cookies, CCG Advisory is also able to enhance a user’s on-line experience (e.g. once you are logged in to your account, you are able to move between webpages without having to re-enter your credentials). You can disable cookies through your website browser, but this may affect your user experience.

The usage data we collect when you visit CCG Advisory’s websites or use CCG Advisory’s apps help us analyze and improve the performance of our digital services. CCG Advisory uses Google Analytics for web statistical analysis. We make no effort to personally identify you based on your visit to our site. If you wish, you may opt out of being tracked by Google Analytics by disabling or refusing third party cookies; by disabling JavaScript within your browser; or by using the Google Analytics Opt-Out Browser Add-On.

We may offer links from our website to the sites of third parties, such as partner organizations, that may be of interest to you. CCG Advisory makes no representations as to such third parties’ privacy practices and we recommend that you review their privacy policies before providing your personal information to any such third parties.

CCG Advisory's use of social media serves as an extension of our presence on the Internet and help us build a positive brand image as well as provide useful information to the public. Social media account(s), such as CCG Advisory’s LinkedIn and Twitter accounts, are not hosted on CCG Advisory’s servers. Users who choose to interact with CCG Advisory via social media should read the terms of service and privacy policies of these services/platforms.

CCG Advisory provides the Website and the Information on an “as is, where is” basis and does not make any express or implied warranties, representations, or endorsements with respect to the Website or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Furthermore, CCG Advisory does not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You are solely responsible for protecting your computer data and/or equipment, and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

CCG Advisory is not responsible or liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Website, the Information or these Terms, including without limitation: (i) your ability or inability to access or use the Website or the Information, (ii) any action or decision made by you in reliance on the Website or the Information, (iii) any errors in or omissions from the Website or the Information, and (iv) any unauthorized use or reproduction of the Website or the Information, even if CCG Advisory has been advised of the possibility of these damages.

The Website, the Information, and these Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising out of or in connection with the Website, the Information, these Terms shall be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Website, the Information, these Terms.