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EmpireChat is a facility established and maintained by The Empire Life Insurance Company ("Empire Life" or “we”). Currently, Empire Life is providing this service only for the purpose of interacting with individuals authorized to sell life Empire Life insurance products (“Advisors”) and their administrative assistants. If you are not an Advisor or an administrative assistant of an Advisor, please contact customer service at   1 800-561-1268.

These Terms of Use, which may be modified from time to time without notice, govern access to and use of EmpireChat, and contain important information about how Empire Life will access, use and disclose personal information through EmpireChat. Your use of EmpireChat constitutes acceptance of these Terms of Use as may be modified from time to time.


  1. Use of EmpireChat

EmpireChat enables Empire Life customer service representatives to interact  with individuals who use EmpireChat through on screen pop-up windows on Empire Life’s public website (“Website”)to assist them in navigating our Website and to provide them with general information about Empire Life’s products and services upon their request. We will not provide advice or specific 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 may change from time to time. Outside these hours, users of EmpireChat can leave a message and we will respond by email during our business hours.  Empire Life reserves the right to shut down EmpireChat to perform maintenance, updates and other adjustments or to temporarily or permanently cease offering EmpireChat at any time in our sole discretion without notice.

You must only use EmpireChat for purposes related to your duties as an Advisor or as an administrative assistance of an Advisor and in accordance with applicable privacy legislation. You must not use or attempt to use EmpireChat to:

(a) obtain advice or information about a specific Empire Life policy or to effect a change to or conduct a transaction regarding an Empire Life insurance policy;

(b) adversely affect the reputation of Empire Life;

(c) damage or interfere with EmpireChat data, software, website or information technology systems;

(d) send any offensive, inflammatory, defamatory, fraudulent or otherwise unlawful information ; or

(e) cause annoyance or inconvenience to Empire Life or its employees or agents.

You acknowledge that Empire Life can terminate your use of EmpireChat if we reasonably believe you have breached these Terms of Use.


  1. Privacy

If you provide personal information to Empire Life, we will collect, use, store and disclose this personal information in accordance with our Privacy Policy and the Website’s Terms of Use. For our business purposes, Empire Life may disclose the contents of the EmpireChat communication (including any personal information you provide to us when using EmpireChat) to our service providers, which may be located outside Canada. Empire Life has in place contractual arrangements with our service providers for the protection of personal information.

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.


  1. Transcripts and records

For quality assurance and accuracy purposes, a transcript of all communications with you via EmpireChat will be retained and may be stored by our service providers outside Canada.


  1. 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.


  1. Governing Law and Governing version

These terms of use are governed by and construed in accordance with the laws of the Province of Ontario, Canada (“Ontario”). You agree to submit to the non-exclusive jurisdiction of the courts of Ontario. You further agree that these terms of use may be enforced in the courts of any competent jurisdiction.