When you access the website of Dawson & Keenan Insurance Ltd. (hereinafter called “Dawson & Keenan”), you accept and agree to be bound by and comply with these terms and conditions (the “Terms and Conditions”) described below as well as at other locations on the website (hereinafter called “site”). Please take a moment to become familiar with the Terms and Conditions. These Terms and Conditions may be changed at any time without notice. You agree to review the Terms and Conditions regularly and your continued access or use of the site will mean that you agree to be bound by any such changes. If you do not accept the Terms and Conditions, you should immediately discontinue any use of this site.

The Terms and Conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on the site.

If any provision of the Terms and Conditions is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions.

Interpretation

When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.

Access and use of this site are subject to all laws and regulations applicable in the Province of Ontario. The products and services described on the site are available in Ontario only. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which the distribution of products and services by Dawson & Keenan is prohibited. Persons accessing this site are required to obtain information about and observe any relevant restrictions.

The terms, exclusions and conditions of the contracts relating to products and services mentioned on this site are not necessarily fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance product purchased and by any applicable legislation. In case of any discrepancy between the contract or the policy and the website, the contract or the policy will apply.

The terms, exclusions and conditions of the contracts relating to products and services mentioned on this site are not necessarily fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance product purchased and by any applicable legislation. In case of any discrepancy between the contract or the policy and the website, the contract or the policy will apply.

Only residents of Ontario who can validly be bound by an agreement under applicable laws can use this site. Individuals residing in an area where the access to or use of the site or any part of is illegal or prohibited are not permitted to use the site. It is your responsibility to determine if you can legally use the site in compliance with all applicable laws.

Protection of personal information/privacy

The applicable provisions regarding management and protection of personal information collected on the users of the site, as well as provisions regarding the safety of data and communication can be found in this section.

Confidentiality

When you contact Dawson & Keenan in the context of your file, either to obtain a quotation, buy an insurance policy, manage a claim or ask for advice, your insurance broker must, occasionally collect certain information, some of which may be personal information. By using this website, you authorize us to collect, hold, use or communicate personal information, as required, for the object of your file. Rest assured, we respect the applicable laws with regard to the use of your confidential personal information. Information transmitted to us in the context of our business relationship is divulged only to authorized personnel unless you authorize its release, the law requires it, or we must use it in transacting business on your behalf with insurance companies.

Your information will not be sold by Dawson & Keenan. Our procedures and systems are designed to protect your information from error, loss and unauthorized access. At any time, you can rectify any outdated or erroneous information or withdraw your consent by contacting us in writing. From time to time, we may contact you with respect to products and services offered or recommended by Dawson & Keenan.

Information collected from the site

We may gather and store data on our site users’ activities. This is done on a collective rather than individual basis, so you can be certain that your online activities are not “monitored”. This information is used to determine problems with our servers, to manage the website and make it more user-friendly. Personally identifiable information is neither required nor stored for further use, unless you are actually entering information to submit to us for inquiries or service. To that effect, please see the section on Confidentiality.

Dawson & Keenan uses small data files (cookies) to help you through the procedure required to obtain a quote or to purchase an insurance policy online. The cookies are used for your convenience and do not contain or transmit any personal data. When you refuse to accept cookies on your Internet browser, you will be unable to obtain a quote.

The law may require us to disclose certain information about you to others without your specific authorization. There are also circumstances in which your consent to disclose information is deemed to have been given either expressly or implicitly. We might, for example, need to release your information:

  • to insurance support organizations for the purpose of preventing or detecting fraudulent transactions;
  • to claim adjusters for the purpose of settling a claim;
  • to law enforcement or regulatory agencies.

The above are only examples. Generally, such disclosures are rarely made, if at all. It is our practice to provide only as much information as is reasonably necessary to accomplish the intended purpose.

Security

You are responsible for the security and confidentiality of your personal information until actually received by Dawson & Keenan. Once you have initiated an online session, it is highly recommended that you do not leave the computer terminal from which you have accessed the site until you have terminated the session and have logged-off the site.

Dawson & Keenan does not warrant that any information, software or other material accessible through one of their links to other Web pages is free of viruses, worms, Trojan horses or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured.

Dawson & Keenan protects personal information using various means: physical, organizational and technological in accordance with the level of protection required.

Purchase of an insurance policy on line

If this website offers you the possibility of obtaining an automobile insurance quote and to purchase an insurance policy online, to allow the preparation of your quote and the issuance of your policy, you must submit, in addition to the required information (your name, address, telephone number and email address), additional information regarding your car and your elected means of payment (credit card or automatic debit).

You also agree that clicking on certain buttons will have legal ramifications namely; it will constitute your signature and confirm your intention to purchase online an insurance policy once you have received an acceptable quote. You will be bound by its terms and conditions and agree to pay the premiums and any applicable taxes. We recommend that you retain a copy of the quote.

When you are ready to purchase online, we will validate your information and consequently, the coming into force of your policy is suspended and conditional upon the results of our validation, which is usually completed on the following business day. You will be advised by one of our brokers, by telephone or by email, of our receipt of the quote, the acceptance of your quote by the insurer, the issuance of the policy and the exact date of the coming into force of your coverage. You agree that the confirmation of your quote can be validly communicated by telephone.

The insurance policy will be interpreted, enforced and governed by the laws of the Province of Ontario and its tribunals will have jurisdiction to decide any claim related to the insurance policy.