WEBSITE TERMS OF USE

The following terms and conditions ("Terms" apply to your use of the http://www.owlunderwriting.com website (the "website"). These Terms should be read alongside, and are in addition to our privacy policy ("Privacy Policy"). Please read these terms carefully and print a copy for your future reference. By using the Website, you agree that you have read, understood and agree to these Terms and the Privacy Policy (each as amended from time to time). If you do not agree to these Terms, you must stop using the Website immediately.

YOUR USE OF THE WEBSITE

The Website is only to be used by business customers and not consumer customers. You agree to use the Website only for lawful purposes and in a way which does not infringe the rights of anyone else or restrict or inhibit anyone else's use and enjoyment of the Website. You are permitted to download and print content from the Website solely for your own personal use. Website content must not be copied or reproduced, used or otherwise dealt with for any other reason. You are not entitled to modify or redistribute the content of this Website or reproduce, link, frame or deep-link it on any other website without our express permission. You are not entitled to use the content of the Website for commercial exploitation in any circumstance. This is not, for the avoidance of doubt, intended to limit your ability to obtain commercial insurance policies.

INTELLECTUAL PROPERTY RIGHTS

We are the owner or the licensee of all intellectual property rights on the Website, and in the material published on it. All such rights are hereby reserved.

OUR LIABILITY

Commentary and other materials posted on the Website are not intended to amount to advice on which reliance should be placed. Except to the extent required by applicable law, we therefore disclaim all liability and responsibility arising from any reliance placed on such materials by an visitor to the Website, or by anyone who may be informed of any of it's contents. We provide the content on the Website in good faith but give no warranty or representation that the content is accurate, adequate, complete or up-to-date, nor that the Website does not infringe the rights of any third party. To the fullest extent permitted by law, we accept no responsibility or liability for you use of content on the Website and such use is entirely at your own risk. We make no representation or warranty that the operation of this Website will be interrupted or error free and disclaim all liability in respect thereof. While we take reasonable precautions to prevent the existence of defects, computer viruses, and/or other malicious programs on the Website, we accept no liability for them. We exclude all representations, warranties, conditions and terms express or implied by statute, common law or otherwise to the fullest extent permitted by law. We accept no liability for any special, indirect, incidental, consequential or economic loss (including without limitation, loss of profit, revenues, data, use opportunity, business or anticipated savings) howsoever caused arising out of or in connection with the Terms. Nothing in these Terms shall limit our liability for personal injury or death caused by our negligence, for fraud or fraudulent misrepresentation or for anything else which cannot be excluded at law.

OTHER THIRD PARYT WEBSITES

This Website may contain links to other third party websites which are provided for your information and convenience only. We have no control over the contents of those websites and accordingly we accept no responsibility or liability for them or for any loss or damage that may arise from your use of them, or any use of personal data by such third party. Our provision of a link to a website does not constitute an endorsement, authorization, sponsorship or affiliation by us with respect to such website, it owners or providers.

INFORMATION ABOUT YOU AND YOUR VISITS TO THE WEBSITE

We process information about you in accordance with our privacy policy. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

JURISDICTION AND APPLICABLE LAW

These Terms are governed by and are to be construed in accordance with the law of Canada and the Canadian courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to the Website.

AMMENDMENTS TO THESE TERMS OF USE

We may update or amend these Terms at any time by amending this page without notice to you. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. By continuing to use the Website, you agree to be bound by the terms of these updates and amendments.

YOUR CONCERNS

If you have any concerns about material which appears on the Website, please contact Ryan Meyer at rmeyer@owlunderwriting.com or Peter Meyer at pmeyer@owlunderwriting.com

Thank you for visiting the Website.