EmpireChat is a facility established and maintained by The Empire Life Insurance Company and its affiliates ("Empire Life" or “we”).
1. Use of EmpireChat
EmpireChat enables Empire Life customer service representatives to interact with individuals over the age of majority in the province or territory where they are resident who use EmpireChat through on screen pop-up windows on Empire Life’s public websites including www.empire.ca, www.empirelife.ca or www.morerewardslife.ca (“Websites”) to assist them in navigating our Websites and to provide them with general information about Empire Life’s products and services upon their request. We will not provide specific financial advice or policy information to, or act on an instruction from, any users of EmpireChat.
Empire Life will offer real time EmpireChat during our business hours, which hours may change from time to time.
Empire Life reserves the right to shut down EmpireChat or the Empire ChatBot to perform maintenance, updates and other adjustments or to temporarily or permanently cease offering EmpireChat at any time in our sole discretion without notice. EMPIRECHAT IS PROVIDED FOR YOUR USE ON AN “AS IS” BASIS AND EMPIRE LIFE MAKES NO REPRESENTATIONS AND PROVIDES NO WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. Empire Life does not guarantee that EmpireChat will be available or that its use will be uninterrupted. You acknowledge and agree that the following rules apply to the use of EmpireChat:
You are solely responsible for the content you post on or provide through EmpireChat and you do so at your risk. Your use of EmpireChat must be in accordance with Canadian privacy legislation. You must not use or attempt to use EmpireChat to:
(a) pass yourself off as another person;
(b) post information that you are not authorised to provide;
(c) adversely affect the reputation of Empire Life;
(d) damage or interfere with EmpireChat data, software, website or information technology systems;
(e) send any offensive, inflammatory, defamatory, fraudulent or otherwise unlawful information;
(f) engage in commercial activities unrelated to Empire Life’s business;
(g) harass, cause annoyance or inconvenience to Empire Life or its employees or agents;
(h) remove or modify any notices or links that have been included in Empire Chat; or
(i) employ any automated devices or means to use or access EmpireChat.
2. Empire ChatBot
As part of EmpireChat, Empire Life additionally offers the ability for you to interact with the Empire ChatBot, an automated chat facility that will allow you to access resources available from the Websites during either business or non-business hours without the intervention of a customer service representative or other person.
Your use of the Empire ChatBot, either by initiating or communicating, constitutes your consent to receive communications from the Empire ChatBot and for Empire Life to maintain a record of your communication.
The Empire ChatBot may utilize Google software products including but not limited to (i) Google Dialogue Flow, (ii) Google Analytics, (iii) Google Sheets, and (iv) Google Firebase (“Google Software”) to interpret any communications that you have with the Empire ChatBot. By initiating and continuing your communication with the Empire ChatBot, you consent to having your conversation with the Empire ChatBot processed through the Google Software.
The Empire ChatBot has been provided for your convenience. The Empire ChatBot uses artificial intelligence to evaluate and respond to the questions you ask. As a result, the Empire ChatBot may provide inaccurate or incomplete information to the questions that you ask. By using the Empire ChatBot, you agree that you are using the Empire ChatBot at your own risk and that Empire Life shall not be liable to you or to any other party for any reliance that you place on information provided to you by the Empire ChatBot.
Empire Life will not disclose any personal or policy information while we interact with you via EmpireChat. If the disclosure of personal or policy information is required to assist you with your enquiry, Empire Life will contact you via other means, such as over the telephone or via Empire Life’s email message. Please avoid disclosing any personal or policy information when using EmpireChat.
4.Transcripts and records
For quality assurance and to ensure the accuracy of information collected and provided to you, a transcript of all communications with you, including all responses provided to your requests via EmpireChat will be retained to resolve your inquiry and for quality and monitoring purposes. EmpireChat transcripts may be stored by our service providers outside Canada.
5. Warranties/limited liability
To the extent permitted by law, Empire Life excludes all implied representations and warranties, whether statutory or otherwise, that EmpireChat will meet your requirements or its use will be uninterrupted, timely, secure and error-free.
Empire Life will not be liable to you or any other party for any actions, proceedings, claims, losses or damages suffered by you arising from or connected with your use of EmpireChat, including, without limitation, indirect or consequential loss or for loss or corruption of data, loss of revenue or loss of profits, whether in contract, tort or under statute or otherwise arising from or connected with your use of EmpireChat.
Empire Life shall not be liable for any direct, indirect, incidental, special consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if Empire Life has been advised of the possibility of such damages), resulting from:
the use of, or the inability to use Empire Chat;
unauthorized access to or alteration of your transmissions or data;
negligence in the provision or maintenance of EmpireChat; or
any other matters relating to EmpireChat.
6. Governing Law and Governing version