IMPORTANT READ CAREFULLY
Please read the following Terms of Use carefully before using this Website (defined below).  References to “you” or “your” mean the person accessing or using this website, and includes any company you represent when using the website.  References to “Assumption Life”, “we”, “us” or “our” shall mean Assumption Mutual Life Insurance Company and its affiliated companies and entities. 

These Terms of Use apply to your use of this website and/or any of its sub domains including its content, services, functionality or information made available to you, whether through a browser, a downloadable application, mobile device or other similar device (hereafter referred collectively referred to as the “Website”). These Terms of Use may not apply if you are subject to another agreement with us that addresses the use of the Website. You should carefully read the Terms of Use outlined below before opening and using any of the applications or functions on this Website. 

BY USING THE WEBSITE, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THE TERMS OF USE TOGETHER WITH THE TERMS AND CONDITIONS CONTAINED IN OUR “PROTECTING YOUR PRIVACY” LINK CONTAINED AND OUTLINED IN OUR WEBSITE. SUCH LINK IS THEREFORE INCORPORATED BY REFERENCE TO THESE TERMS OF USE.  IF YOU DO NOT AGREE TO BE BINDED AND COMPLY WITH THESE TERMS OF USE, YOU MUST NOT ACCESS OR USE THE WEBSITE. 

These Terms of Use may be amended at any time without prior notice at Assumption Life’s discretion. For this reason, you should regularly review these Terms of Use. 

The obligations and terms outlined below serve to protect your interests as well as those of Assumption Life.

Assumption Life operates in a regulated industry, and these regulations may vary from place to place. When accessing this Website, you accept the responsibility for complying with any current legislation in effect at the location from which you access this Website.

Unless otherwise indicated or stipulated expressly on this Website, no written representation contained on this Website constitutes any offer of sale or request to purchase insurance or other financial products. All products or services described on this Website are subject to the terms of the relevant contracts.

Limited use : Licence to you
Assumption Life authorizes you, subject to these Terms of Use, to access and use this Website and its content solely for your personal use. This authorization is at Assumption Life’s discretion. Any other use is expressly prohibited. This license is revocable at any time without notice and with or without cause. Unauthorized use of this Website may violate copyright, trademark, and applicable communications regulations and statutes and is strictly prohibited.  You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this Website or any of its content.

If you are accessing this Website on behalf of another party, you confirm you are authorized to do so, and agree you shall be liable and will indemnify and hold harmless Assumption Life, its affiliates, and each of their respective directors, officers, employees and agents, in the event the party you are acting on behalf of claims you did not have such authority or the information you submitted was inaccurate. 

No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this Website. To the extent any third party opinions or information are included on this Website, they are provided for convenience only and Assumption Life assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose.

Prohibited use
You may not use this Website, its content and/or services for any illegal purpose or in any way prohibited by these Terms of Use. Your use of this Website, its content and/or services is subject to all applicable international, federal, provincial, state and local laws and regulations. You may not use this Website, its content and/or services in any manner which could damage, disable, overburden, or impair this Website, its content and/or services or interfere with any other party's use and enjoyment of this Website, its content and/or services.

You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided through this Website. You may not use automated means to access the Website, other than a traditional browser or applications provided to you by us.

More specifically, you may not:
  1. falsify headers or manipulate content transmitted through this Website;
  2. upload, post, e-mail, transmit or make available any content that contains or may contain computer viruses, codes, files or programs designed to interrupt, destroy or limit the functionality of this Website;
  3. interfere with, disrupt, or make abusive use of this Website;
  4. refuse to comply with any requirements, procedures or provisions regarding this Website;
  5. collect, store, use or disclose personal information relating to any other users of this Website;
  6. sell, resell or operate for any commercial purpose any portion of this Website.

Limited Responsibility: Functions and Applications of this Website
In compliance with insurance industry standards, Assumption Life has taken all reasonable measures to ensure the security of this Website. Despite these reasonable efforts, Assumption Life offers no promise, guarantee, or representation with regard to the functions and applications of this Website. It is possible for applications and functions to be interrupted or temporarily unavailable or to contain errors or viruses.

Assumption Life is not responsible for any loss or damage caused to your computer system or to any related equipment. By accessing this Website, you release Assumption Life from any loss, damage, or harm, and you also agree to be responsible for any loss, breach, damages, expense, or harm you may incur as a result. Assumption Life is not responsible for the payment of any damages, whether direct, indirect, accessory, liquidated, general, punitive, exemplary, consequential, or aggravated, that you or any third party may incur or claim. This indemnification extends to the employees, agents, and representatives of Assumption Life and to the designers, producers, and publishers of this Website as well as to their employees, agents, and representatives.

This Website is provided “as is” and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We expressly disclaim any warranty that your use of the Website will not infringe any other person’s rights. 

Limited responsibility: Website content 
Though Assumption Life takes measures to ensure the accuracy of the information on this Website, it is possible that errors may occur or information be omitted. The information on this Website is provided on an "as is" basis. Assumption Life does not guarantee the accuracy of any information presented on this Website for any purpose and assumes no responsibility in this regard. Assumption Life is not responsible for the payment of any damages, whether direct, indirect, accessory, liquidated, general, punitive, exemplary, consequential, or aggravated, that you or any third party may incur or claim. This indemnification extends to the employees, agents, brokers, and representatives of Assumption Life and to the designers, producers, and publishers of this Website as well as to their employees, agents, and representatives.

Your information
You will ensure that all information you provide to Assumption Life through this Website or otherwise, including medical information, social insurance number, bank account information (including your legal name, residential address, e-mail address), payment information (it may include your credit card numbers and their expiration dates), and transaction-related information, is true, accurate, current, and complete. Assumption Life will rely on the information you provide. You will be solely responsible and liable for any and all loss, damage and additional costs that you, Assumption Life or any other person may incur as a result of your submission of any false, incorrect, or incomplete information or your failure to promptly update your account information and payment information if they change. 

Communications
You authorize Assumption Life to: (a) accept communications it receives from you by means of this Website as if those communications had been given directly by you in writing and signed by you; and (b) respond to your communications through this Website, by e-mail or other means of communication.

Communications you send to Assumption Life are not effective unless and until they are processed by Assumption Life or its authorized mandataries. . Assumption Life may refuse to process any communications sent to Assumption Life, or may reverse the processing of any communications sent to Assumption Life, at any time in Assumption Life’s discretion, and without any notice or liability to you or any other person, including if Assumption Life believes the communication to be fraudulent or unlawful or defective, inaccurate or incomplete due to a technical malfunction. By sending information to Assumption Life electronically, you are accepting the risk that the communications may be considered spam, filtered accordingly and not received by Assumption Life. 

Access 
Assumption Life endeavors to provide access to this Website 24 hours a day, seven days a week. We cannot guarantee access in the event of system outages, breakdowns, maintenance, telecommunication network problems or similar problems that may occur and make access to this Website impossible.

Availability of products to selected provinces only
When accessing the Assumption Life Website, you acknowledge the fact that our insurance products are not available in every province of Canada. Providing information via the Website about products that are not available in your province does not constitute an offer to sell such products in that province. 

ASSUMPTION LIFE INSURANCE PRODUCTS ARE OFFERED AND AVAILABLE ONLY IN SELECTED PROVINCES OF CANADA AND ONLY TO THE RESIDENTS OF THOSE PROVINCES.
 
The information about the available insurance products and services described on this Website is neither detailed nor exhaustive, and no representation made on this Website should be interpreted as any type of offer, whether express or implicit. For further information about our products, we invite you to contact one of our representatives or our main office, at 1-800-343-5622.
 
Links
This Website may contain links to other websites that were not created by Assumption Life.  The links to other websites are provided to you solely for your convenience.  Assumption Life is therefore not responsible for the accuracy of the content of those other websites and does not assume any responsibility for the content, links, advertising, products, materials or services available through those other websites.  

Assumption Life is not liable for any loss or damage that you may sustain in your use and reliance on other websites.  You must therefore exercise caution and discretion in your use of other websites.  You also assume all risks associated with the use of other websites.

Jurisdiction 
This Website and the conventions and obligations contained herein are governed by the laws of the Province of New Brunswick and any applicable federal laws.  If any provision of these Terms of use is held invalid or unenforceable, the remaining provisions will continue to apply.

Trademarks 
Assumption Life is the owner of all trademarks, logos, trade names, and trade images presented on this Website.

Its main trademarks are the following:  Assomption Vie, Assumption Life, Assumption Life & design, Assomption Vie & design, Assomption Vie / Assumption Life & design A & design, Critical Protection, FlexOptions & design, FlexTerm, InstaTerm, Odyssée Assomption Vie & design, Odyssey Assumption Life & design, Protection Vitale, LifePhases, ParPlus and Income Completer.

No element contained on this Website may be interpreted in any manner as offering the right, express or implicit, to use or reproduce any trademark, logo, trade name, or trade image found on this Website. All trademarks, logos, trade names, and trade images are protected by Canadian and foreign legislation.
Copyright 

The content of this Website is protected under the Copyright Act of Canada. It is permitted to copy electronically or print the content of this Website strictly for your personal use. However, it is forbidden to reproduce, use, modify, distribute, or redistribute in any manner the content of this Website without the written authorization of Assumption Life. If you wish to obtain authorization for this purpose, please contact us.

Assumption Life
Communications Department
770 Main Street
P.O. Box 160
Moncton NB E1C 8L1

By phone: 1-800-343-5622
E-mail : Contact Us Form

Confidentiality 
Despite Assumption Life's commitment to protecting the confidential nature of your personal information, we wish to inform you that communication via Internet entails a certain amount of risk. When information is transmitted on the internet without robust encryption, it may be read by others in transit. We encourage you to consult this Website's Protecting your privacy section to read more about our commitment to protecting your personal information.

Professional advice 
This Website does not purport to offer any type of advice, whether financial, accounting, tax-related, or legal. We encourage you to address any needs you may have in these areas by retaining the services of a professional.

Financial representation 
Any representations of a financial nature contained on this Website, including rates of return for insurance products, interest rates, and unit values, reflect the conditions prevailing on the date on which they were incorporated into this Website. Although this information is updated regularly, it is impossible to guarantee that information of a financial nature will always be accurate, complete and up to date at the time you visit this Website. We encourage you to contact us by e-mail using our Contact Us Form or to contact one of our representatives for further information regarding rates of return, interest rates, or the daily unit values of our products.

Dispute resolution
  1. Arbitration: Except as expressly set forth in this section and subject to subsection (c) below, all disputes, controversies and claims arising under, out of, in connection with, or in relation to these Terms of Use, this Website or any related matters (collectively "Disputes" and each a "Dispute") will be referred to and finally resolved by binding arbitration.  There will be a single arbitrator, and the arbitration will be private and confidential. The arbitration will be held at Moncton, New Brunswick. Any award rendered in an arbitration is final and binding and judgment on the award may be entered in any court having jurisdiction for its enforcement. Notwithstanding the foregoing, (i) the arbitration will be conducted solely based upon written evidence (declarations or affidavits) and written arguments submitted by or on behalf of each of you and Assumption Life; and (ii) there will not be any in-person hearing (including any hearing by teleconference, videoconference or web conference) of the parties, witnesses or legal counsel. Notwithstanding the foregoing, this subsection (a) does not apply to a Dispute based upon infringement, misappropriation or violation of intellectual property rights (including copyright and trademarks).
  2. Court Litigation: If and to the extent, and for any reason, that a Dispute is not subject to arbitration as set forth in subsection (a), then subject to subsection (c) the Dispute will be resolved before the New Brunswick Court of Queen’s Bench or Small Claims Court, as the case may be, and you and Assumption Life each hereby irrevocably submit and attorn to the original and exclusive jurisdiction of those courts in respect of all of those Disputes.
  3. Informal Dispute Resolution: Before you commence arbitration or litigation regarding a Dispute: (i) you will give notice of the Dispute to Assumption Life’s representatives by using our Contact Us Form and allowing Assumption Life at least thirty (30) days to investigate and attempt to resolve the Dispute; and (ii) upon request by Assumption Life during the thirty (30) day period you will participate in good faith discussions regarding the Dispute with a view to resolving the dispute in a reasonable manner.