Legal

Petfirstinsurance.ca - Terms of Use

Note: If you're under 18, please make sure that your parent or guardian has read and agreed to these terms before you complete the registration process.

General

This Website is owned and operated by PetFirst a division of PTZ Insurance Services Ltd. (“PetFirst” or “we”). PetFirst provides the social networking tools and services that allow individual members to find resources, tools, news and information to make better decisions in regards to the health and well-being of their pet. The services offered by PetFirst include access to the PetFirst Website, the opportunity for users to create and upload their own Content on the PetFirst Website, and any other features, Content, or applications offered from time to time by PetFirst in connection with this site (collectively, the "Services").

Acceptance of Terms and Conditions of Use

This Terms of Use Agreement ("Agreement") sets forth the legally binding terms for your use of the Services. By using the Services, you agree to be bound by this Agreement, whether you are a "Visitor" (which means that you simply browse the PetFirst Website, including through a mobile device, or otherwise use the Services without being registered) or you are a "Member" (which means that you have created an account or are otherwise registered with PetFirst). The term "User" refers to a Visitor or a Member. You are only authorized to use the Services (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and the terms of this Agreement. Please read this Agreement carefully. If you do not agree to be bound by it or with any of the legal provisions applicable to it and to follow all applicable laws, you should leave the PetFirst Website and discontinue use of the Services immediately. If you wish to become a Member, communicate with other Members, and/or make use of the Services, you must read this Agreement and abide by its terms.

We may at any time revise, add or remove portions of this Terms of Use Agreement by updating this posting and providing notice of a change on this Website. Your continued access and browsing following notice of a change means that you agree to and accept this Terms of Use Agreement as amended. If you do not agree to any changes to these Terms of Use, you must immediately stop accessing this Website.

Acceptable Use

You are solely responsible for the Content that you post on or through any of the Services, any material or information that you transmit to other Members, and your interactions with other Users. Please choose carefully the information that you post on or through the Services and that you provide to other Users. The Content that you post on or through the Services may not include any form of Prohibited Content, as described under the “Prohibited Content” heading below. Despite this prohibition, information, materials, products, or services provided by other Members (for instance, in their profiles) may, in whole or in part, be unauthorized, impermissible, or otherwise violate this Agreement, and PetFirst assumes no responsibility or liability for this material. If you become aware of misuse of the Services by any person, please report such misuse to us at legalcounsel@pethealthinc.com

PetFirst has the right, but not the obligation, to monitor any activity and Content associated with this site. PetFirst may investigate any apparent or reported violations of its policies and take any action that it, in its sole and absolute discretion, deems appropriate, including but not limited to issuing warnings; rejection of, refusal to post, or removal of any materials on the site; and/or denial, restriction, suspension, or termination of a Member’s access to any or all part(s) of the Services at any time. PetFirst expressly reserves the right to remove, screen, or edit any Content that PetFirst deems, in its sole and absolute discretion, to violate this Agreement or any applicable law or to be otherwise objectionable. If we receive complaints that upon investigation show that you have repeatedly violated third-party copyright or posted Prohibited Content, PetFirst may permanently suspend your Membership in the PetFirst community. PetFirst may take any or all of the actions above at any time, with or without prior notice or explanation, and without liability.

Eligibility

Use of the Services and registration to be a Member in the PetFirst online community (“Membership") is void where prohibited. By using the Services, you represent and warrant to us that (a) all registration information that you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 13 years of age or older; and (d) your use of the Services does not violate any applicable law or regulation. Your profile may be deleted and your Membership may be terminated without warning if we believe that you are under 13 years of age, if we believe that you are under 18 years of age and you represent yourself as 18 or older, or if we believe that you are over 18 years of age and represent yourself as under 18. If you are under 18, please make sure that your parent or guardian has read and agreed to these terms.

Term

This Agreement and any posted revision to this Agreement shall remain in full force and effect while you use the Services or are a Member. You may terminate your Membership at any time, for any reason, by e-mailing us at legalcounsel@pethealthinc.com. PetFirst may terminate your Membership at any time for any or no reason, with or without prior notice or explanation, and without liability. Even after Membership is terminated, this Agreement will remain in effect.

Password

When you sign up to become a Member, you will also be asked to choose a password. You are entirely responsible for maintaining the confidentiality of your password. You agree not to use the account, username, or password of another Member at any time or to disclose your password to any third party. You agree to notify PetFirst immediately if you suspect any unauthorized use of your account or access to your password. You are solely responsible for any and all use of your account.

Use by Members

The Services are for the personal use of Members only. The Services may only be used for commercial purposes if such endeavors are specifically endorsed or authorized by PetFirst. PetFirst reserves the right to remove commercial Content in its sole discretion. Illegal and/or unauthorized use of the Services, including collecting usernames, user ID numbers, and/or e-mail addresses of Members by electronic or other means for the purpose of sending unsolicited e-mail or unauthorized framing of or linking to the PetFirst Website, or employing third-party promotional sites or software to promote profiles for money, is prohibited. Commercial advertisements, affiliated business links, and other forms of unauthorized solicitation may be removed from Member profiles without notice or explanation and may result in termination of Membership privileges. PetFirst reserves the right to take appropriate legal action for any illegal or unauthorized use of the Services.

Proprietary Rights in Content on the PetFirst Website

PetFirst does not claim any ownership rights in the text, files, images, photos, video, sounds, musical works, works of authorship, software scripts and applications, or any other materials (collectively, "Content") that you post on or through the Services. After posting your Content to the Services, you continue to retain any such rights that you may have in your Content, subject to the limited license granted herein. By displaying or publishing ("posting") any Content on or through the Services, you hereby grant to PetFirst a limited license to use, modify, delete from, add to, publicly display, reproduce, and distribute such Content in PetFirst's sole and absolute discretion, including without limitation distributing part or all of the PetFirst Website in any media formats and through any media channels.

The license that you grant to PetFirst is non-exclusive (meaning that you are free to license your Content to anyone else in addition to PetFirst); fully paid and royalty-free (meaning that PetFirst is not required to pay you for the use on the PetFirst Services of the Content that you post); sublicensable; and worldwide.

By uploading or otherwise posting any Content to the PetFirst Website, you represent, warrant, and covenant that: (i) you own the Content posted by you on or through the Services or otherwise have the right to grant the license set forth in this Section (ii) the posting of your Content on or through the Services does not violate any applicable laws, including but not limited to all applicable data protection laws and the privacy rights, publicity rights, intellectual property rights, copyrights, contract rights, or any other rights of any person or entity; and (iii) you have obtained the prior consent of any individuals whose personal information you use, disclose, or transmit on or through the Services. You agree to pay for all royalties, fees, and any other monies owing to any person or entity by reason of any Content posted by you on or through the Services.

This Website contains the trademarks, trade names, processes, methodologies as well as copyrighted and other proprietary material owned by PetFirst and/or our affiliated companies (the "PetFirst Content"). The PetFirst Content on this Website is protected from copying or reproduction under the laws of Canada and other countries and nothing contained herein shall be construed as conferring by implication or otherwise any license or right under any patent, trademark, copyright or other proprietary right. You may only use the PetFirst Content in conjunction with your lawful use of this Website in accordance with these terms and conditions and any other use of the PetFirst Content is strictly prohibited. Any right in the PetFirst Content not expressly granted in these Terms of Use are reserved.

The Services contain Content of Users. Except as provided within this Agreement, you may not copy, modify, translate, publish, broadcast, transmit, distribute, perform, display, or sell any Content appearing on or through the Services.

Links

We have not reviewed the Content of the sites that may be linked to the PetFirst Website and we are not responsible for any sites linked to this Website. Your linking to any sites from this Website is at your own risk. By linking to a site or permitting a link to this Website, we do not endorse or accept any responsibility for the site operator or the Content linked to such site.

Prohibited Content

PetFirst prohibits the use of the Services to post or transmit Content that is illegal or depicts illegal activity. PetFirst reserves the right to investigate and take appropriate action against anyone who, in PetFirst's sole and absolute discretion, violates this provision, including, without limitation, removing the offending Content from the PetFirst Website, terminating the Membership of such violators, and/or reporting violators to law enforcement authorities.

The following are examples of the kind of Content that is illegal or prohibited to post on or through the Services:

  • Content that is patently offensive and promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual;
  • Content that is derogatory toward or disparaging of PetFirst;
  • Content that contains excessive violence or offensive subject matter or contains a link to an adult Website;
  • Content that solicits personal information from anyone under 18;
  • Content that publicly posts information that poses or creates a privacy or security risk to any person;
  • Content that constitutes or promotes information that you know is false or misleading or that promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory, or libelous;
  • Content that constitutes or promotes an illegal or unauthorized copy of another person's copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacturer-installed copy-protect devices, or providing pirated music or links to pirated music files;
  • Content that involves the transmission of "junk mail," "chain letters," unsolicited mass mailing, instant messaging, or "spamming";
  • Content that contains restricted or password-only access pages or hidden pages or images (those not linked to or from another accessible page);
  • Content that furthers or promotes any criminal activity or enterprise or provides instructional information about illegal activities including but not limited to making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
  • Content that solicits passwords or personal identifying information for commercial or unlawful purposes from other Users;
  • Content that involves commercial activities and/or sales such as contests, sweepstakes, barter, advertising, or pyramid schemes;
  • Content that includes a photograph or a video of another person, in a context in which that person had a reasonable expectation of privacy, that you have posted without that person's consent;
  • Content that violates the privacy rights, publicity rights, copyrights, trademark rights, contract rights, or any other rights of any person; or
  • Content that promotes propaganda and/or symbols of organizations that are unconstitutional or illegal in your country.

NO WARRANTIES

THE SERVICES ARE PROVIDED "AS IS" AND AS AVAILABLE, AND PETFIRST EXPRESSLY DISCLAIMS ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. PETFIRST CANNOT GUARANTEE AND DOES NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF THE SERVICES.

Disclaimer regarding Insurance and Premium Information

ALL INSURANCE PRODUCTS AND SERVICES REFERRED TO ON THE PETFIRST WEBSITE ARE OFFERED AND PROVIDED BY PTZ INSURANCE BROKERS LTD. AND NORTHBRIDGE GENERAL INSURANCE COMPANY OF CANADABY USING THIS WEBSITE YOU ACCEPT THAT ANY PREMIUM AMOUNTS ILLUSTRATED EITHER ON OUR PAYMENT AMOUNTPAGE OR OTHERWISE ON THIS WEBSITE ARE NOT GUARANTEED OR BINDING ON US OR OUR UNDERWRITER, UNTIL COVERAGE IS UNDERWRITTEN.ALL PREMIUM AMOUNTS ILLUSTRATED ON THIS WEBSITE ARE SUBJECT TO VERIFICATION. NOTHING STATED IN THIS WEBSITE SHALL BE CONSTRUED TO EXTEND, EXPAND OR MODIFY THE TERMS OF ANY CONTRACT OF INSURANCE THAT EXISTS OR SHALL EXIST IN THE FUTURE. ANY QUESTIONS ABOUT THE INSURANCE PRODUCTS QUOTED ON THIS WEBSITE SHOULD BE DIRECTED TO US AT LEGALCOUNSEL@PETHEALTHINC.COM

Disclaimer regarding Information Accuracy

All information on this Website, including coverage descriptions and information relating to premiums is subject to change without notice. We strive to provide accurate and up-to-date information on this Website. However, we make no warranties or representations as to the accuracy or timeliness of the information provided on this Website. We assume no liability or responsibility for any errors or omissions on this Website.

Use of Your Personal Information

By using this Website and entering your personal information, you agree that we may use your personal information to contact you for the purposes of discussing your insurance needs and possibly offering you insurance products, enhancements and related services that we think may be of interest to you.

For further information about our personal information practices, refer to our privacy policy at petfirstinsurance.com.

Cookies

To access our online quote and in order for us to save your quote, you must allow our server to save a small file (called a “cookie”) on your computer. If you deactivate cookies in your navigation software, you will not be able to get a quote for an insurance policy online. Cookies also give us capability to understand how visitors use our site. We use this information to optimize our Website and improve the visitor’s experience.

Disclaimer

NONE OF PTZ INSURANCE BROKERS LTD.(INCLUDING ANY OF ITS THIRD PARTY ADMINISTRATORS AND AGENTS, EMPLOYEES, DIRECTORS, OFFICERS AND AFFILIATED COMPANIES), SHALL BE LIABLE FOR ANY LOSS, HARM OR DAMAGE, INCLUDING WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, THIRD PARTY OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED AND EVEN WHERE THE LIKELIHOOD OF SUCH DAMAGES WAS FORESEEABLE, TO ANY PERSON AS A CONSEQUENCE OF, OR ARISING OUT OF:

YOUR ACCESS TO, OR USE OF, THE PETFIRST WEBSITE OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES; AND

THE FAILURE OF INFORMATION TO BE PROPERLY TRANSMITTED TO US THROUGH THE PETFIRST WEBSITE OR THE SERVICES, UNLESS WE CONFIRM RECEIPT OF THE INFORMATION BY FACSIMILE TRANSMISSION OR BY REGULAR MAIL.

YOU AGREE THAT THE USE OF THE PETFIRST WEBSITE AND THE SERVICES, AND ANY SITES LINKING TO OR FROM THE PETFIRST WEBSITE, IS ENTIRELY AT YOUR OWN RISK.

Jurisdiction

By accessing and using this Website, you agree that the laws of the Province Ontario and the applicable Federal laws of Canada apply, without reference to any conflict of law principles, to any issue that might arise regarding this Website. You hereby irrevocably attorn to the exclusive jurisdiction of the courts of the Province of Ontario for any claims relating to these terms of use or the Website.

Questions

Please contact us at legalcounsel@pethealthinc.com with any questions regarding this Agreement.