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LEGAL INFORMATIONEmpire Life and Empire Financial Group are the marketing identities of The Empire Life Insurance Company ("Empire"); a Canadian Company licensed to do business in Canada. Please read the information on this page before using this Web site. If you agree with the terms and conditions described, please continue. If you do not agree with the terms and conditions, do not access or use this Web site. For ease of use the terms and conditions are subdivided into the following categories: topPRODUCT SALES AND ADVICEProducts or services described on this Web site are only available to individuals or entities resident in Canada at the time of application or purchase. Any material on this Web site is for information purposes only and does not constitute an offer to buy or sell any Empire Life products or services. All products and services are subject to the terms and conditions of the applicable contracts. The financial products offered by Empire Life have various levels of risk to the investor, including the possibility of loss of amounts invested. Before buying any Empire Life product review the Information Folder and/or other disclosure documents provided by your Advisor and discuss with your Advisor the suitability of the various investment choices to your own personal situation. The past performance of any investment choice with non-guaranteed benefits is not an indicator or guarantee of future results. COPYRIGHTThe contents of this site are protected by copyright. Visitors to this site shall be entitled to copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of Empire Life. Republishing and reproducing includes any uploading, downloading or accessing the information on this site onto the Internet or any other local or international computer system. An acknowledgement of the source must be included whenever our materials are copied or published. If you require further information about how you may use the information on this site, please contact us at our Corporate Head Office or by e-mail. Any infringement of our rights will result in appropriate legal action. The Empire Life Insurance Company disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site. TRADEMARKSEmpire Life owns all the trademarks used on or in connection with the goods and services which Empire Life provides. The trademarks are protected by Canadian laws. All rights reserved. The following are trademarks of The Empire Life Insurance Company:
ONLINE PRIVACY POLICYEmpire Life reserves the right to change the Online Privacy Policy from time to time at its sole discretion. Your use of this site will be subject to the most current version of the Online Privacy Policy at the time of such use. Collection of personal information In providing investment, insurance products and services, Empire Life collects significant amounts of information, much of which can be classified as personal information.
Empire Life recognizes and appreciates the importance of responsible use of information collected on this site. If you do not want the information you provide to Empire Life to be used to inform you of other products, services and special offers available from Empire Life, and you indicate this preference when you provide your personal information to Empire Life, Empire Life will honour your preference. Empire Life reserves the right to provide aggregate data to third parties for statistical analysis. Such data will not be linked to any particular individuals. Protection of your personal information We protect your information with a wide variety of security measures designed to secure your information, strictly control who can access it yet still have it available when and how you want it. Our dual focus on physical and logical security ensures we meet our obligation to you using industry-standard and time-tested technology and practices. Among our many security measures, we require all our sensitive Internet delivered services to use 128-bit encryption (available with MS Internet Explorer 4.x and Netscape Navigator 4.x and higher), and we use secure communication protocols like SSL and HTTPS which ensure your information is protected when it travels to or from Empire Life. As the Internet is not a completely secure medium of communication where total privacy can be ensured, Empire Life will not be responsible or liable for any damages you or others may suffer in connection with any such breach of confidentiality or security. Use of cookies When you visit empire.ca domains, you may access sections that make use of 'cookies' to track your visit. These pages require an authorization and cookies are not optional. Users choosing not to accept cookies will not be able to access the pages. A cookie is a small amount of data that is transferred to your browser by a Web server and can only be read by the server that gave it to you. It functions as your identification card, recording your passwords and/or preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. Updating your personal information If you are registered on this Web site, you have the right to access and correct your personal information and privacy preferences at any time. With respect to registration information, this may be accomplished by linking to your account at the appropriate change profile sections of the web site, where you can view and make changes to your personal information. You may also access and correct your personal information and privacy preferences by writing or calling Empire Life at:
Please include your name, address, and/or e-mail address when you contact us. TERMS OF USEThe purpose of this Web site is to provide general information about Empire Life and its products and services. The information contained in this Web site may be modified or upgraded without notice. Empire Life does not guarantee the accuracy or completeness of any of the Web site content, its functionality or transmission capability. The information on this Web site is not intended to provide financial, legal, accounting or tax advice, and should not be used or relied upon as a substitute for professional advice or your independent research. This Web site may provide links to other Web sites or resources or it may be accessed via a link from other Web sites or resources. Empire Life has no control over these Web sites or resources, and does not endorse any content found on them. Empire Life provides its Internet Service on this Web site to you, subject to the following terms and conditions, which may be updated by us from time to time without notice to you. In addition, you shall be subject to any other guidelines or rules applicable to the Internet Service, which may be published from time to time. All such guidelines or rules are hereby incorporated by reference into these terms and conditions. Information is subject to change at any time without notice to users. Empire Life reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Internet Service (or any part thereof) with or without notice. You agree that Empire Life shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Internet Service. You agree to indemnify and hold Empire Life, and its subsidiaries, affiliates, officers, agents, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Internet Service, your connection to the Internet Service, or your violation of the terms and conditions. If you have access to password protected sections of the Web site, you may provide or be provided with confidential or personal information which must be collected, used and disclosed in accordance with the laws and industry guidelines relating to privacy in the jurisdictions in which we operate. (Also see our Online Privacy Policy.) You agree that Empire Life, in its sole discretion, may terminate use of the Internet Service for any reason, including, without limitation, if Empire Life believes that you have violated or acted inconsistently with the letter or spirit of the terms and conditions. Empire Life may also, in its sole discretion and at any time, discontinue providing the Internet Service, or any part thereof, with or without notice. You agree that any termination of your access to the Internet Service under any provision of the terms and conditions may be effected without prior notice. Further, you agree that Empire Life shall not be liable to you or any third party for any termination of your access to the Internet Service. You acknowledge and agree that the information presented to you through the Internet Service or advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Empire Life, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Internet Service, in whole or in part. You expressly understand and agree that:
The laws of the Province of Ontario and the applicable laws of Canada shall govern the terms and conditions and the relationship between you and Empire Life with respect to the use of the Web site. The failure of Empire Life to exercise or enforce any right or provision of the terms and conditions shall not constitute a waiver of such right or provision. If any provision of the terms and conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the terms and conditions shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Internet Service or the terms and conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred. |
® Registered trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company. © 2001 . Empire Life. |
