The following are terms of a legal agreement between you and ARAG Services Corporation(“ARAG”). By accessing, browsing, or using this website (“Website”), you accept and agree to be bound by the terms and provisions of this agreement. In addition, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services. ARAG may, without notice to you at any time revise these Terms and Conditions of Website Use by updating this posting. ARAG also make improvements or changes in the products, services, or programs described in this site at any time without notice. Any such amendments will take effect upon being posted on the Website. Your access to or use of the Website following any such change constitutes your unconditional agreement to comply with and be bound by the Terms of Use as amended.


Trademarks, Copyrights and Restrictions

All material on this site, including, but not limited to images, illustrations, audio clips and video clips, are protected by copyrights which are owned and controlled by ARAG or by other parties that have licensed their material to ARAG (the "Copyrights"). Material from this website or from any other website owned, operated, licensed or controlled by ARAG (the "ARAG's Websites") may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Modification of the materials or use of the materials for any other purpose is a violation of the copyrights and other proprietary rights. For purposes of this Terms of Use Agreement, the use of any such material on any other website or networked computer environment is prohibited.

Website Privacy Practices

ARAG may collect information that is not personal information (“Information”) through the Website. Information includes but is not limited to (i) IP-address; (ii) cookie identifier and cookie information; (iii) domain and browser type; (iv) operating system and system settings; (v) information about your interactions with our Websites.

ARAG uses this information to determine our Website usage levels, administer the Website and improve the Website. We also use cookies and pixel tags to obtain aggregate data about the usage of our website, to track the frequency of visits and to improve the Website.

Please note that we may use and disclose Information for any purpose, except where we are prohibited to do otherwise under applicable law.

Use of Site by Minors

Our website is not directed to individuals under the age of 18, and we request that these individuals do not provide personal information through our website.

Limitation of Liability

The materials on the Website are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, ARAG disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. ARAG does not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that the Website or the server that makes them available are free of viruses or other harmful components. ARAG does not warrant or make any representations regarding the use or the results of the use of the materials on the Website in terms of their correctness, accuracy, reliability or otherwise. You (and not ARAG) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

This Website and its components are offered for informational purposes only; ARAG Services Corporation shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the website, and shall not be responsible or liable for any error or omissions in that information. While every effort has been made to ensure the accuracy of this site, it is not intended as legal advice as individual situations will differ and should be discussed with an expert and/or lawyer.

The information and opinions expressed in Bulletin Boards, Chat Rooms or other forums conducted on this site ("Forums") are not necessarily those of ARAG or its affiliated or related entities or content ARAGs and ARAG makes no representations or warranties regarding that information or those opinions. Furthermore, neither ARAG nor its affiliated or related entities or its content are responsible or liable to any person or entity whatsoever (including, without limitation, persons who may use or rely on such data/materials or to whom such data/materials may be furnished) for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or other cause of any kind or character whatsoever based on or resulting from any information or opinions provided in ARAG's Websites.

By providing material on the Website, ARAG does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. ARAG is entitled to terminate all or part of any of its website at any time, without notice to you.

We sometimes provide access to other World Wide Websites from our Website or you may have reached our Website from another website. ARAG has not reviewed all of the sites linked to its Internet website and is not responsible for the contents of any such linked website. However, we do not endorse or approve any products or information offered to you at websites you may reach from our Website or from which you may have reached our Website. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in an ARAG site or have moved elsewhere. Use of any such linked website is at the user's own risk.


(1) Any notes, message/billboard postings, ideas, suggestions, concepts or other material submitted will become the property of ARAG throughout the universe and ARAG shall be entitled to use the material for any type of use forever including in any media whether now known or hereafter devised. When you submit material to the Website, you agree that ARAG has the right to publish the material for any type of use as outlined above, including promotional and advertising purposes.

(2) ARAG is not responsible for any material posted on our Forums. You shall not submit or otherwise publish through such Forums any content which:

(a) libels, defames, invades privacy, or is obscene, pornographic, abusive, or threatening;

(b) infringes any intellectual property or other right of any entity or person, including, but not limited to violating anyone's copyrights or trademarks;

(c) violates any law;

(d) advocates illegal activity; or

(e) advertises or otherwise solicits funds or is a solicitation for goods or services (collectively "Non Approved Material").

(3) You agree to indemnify ARAG and its officers, directors, employees, agents, distributors and affiliates from and against any and all third party claims, demands, liabilities, costs, or expenses, including reasonable lawyer's fees, resulting from your breach of any of the foregoing agreements, representations and warranties.

Mail and Postings Received

Do not post any threatening or libelous e mails or material on this site that would be considered a violation of any law. ARAG will fully co operate with any law enforcement authorities or court order requesting or directing ARAG to disclose the identity of anyone posting any such e mails or materials.

Governing Law

This agreement, your use of the Website, and all related matters are shall be governed by, construed and enforced in accordance with the laws of the Province of Ontario and applicable laws of Canada. Any action you, any third party or ARAG bring to enforce this agreement or, in connection with, any matters related to this site shall be brought only in the courts of the Province of Ontario and you expressly consent to the jurisdiction of said courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein and shall not be modified except in writing, signed by ARAG.

ARAG Services Corporation
181 Bay St., Suite 2425
Toronto, ON M5J 2T3
Tel: (416) 255-0344

COPYRIGHT NOTICE. Copyright © ARAG Services Corporation. All rights reserved. Any rights not expressly granted herein are reserved. If you have any questions or comments about the site, please contact our Webmaster.