Terms of Use
Terms of Use
1. Introduction
These Terms of Use (the “Terms”) constitute a legal agreement between you (“User” or “you”) and CORNERSTONE INSURANCE SERVICES INCORPORATED (“CORNERSTONE INSURANCE”) a/o/a Swift Digital Insurance (collectively, with CORNERSTONE INSURANCE, the “Company”, “we”, “us”, or “our”).
These Terms apply to your use of all of the sites and services owned or operated by the Company, including the My Cornerstone Connect/My Swift Connect App (collectively, the “Platform”).
Unless stated otherwise, all references to the Company’s sites in these Terms include all such sites.
BY ACCESSING OR USING THE PLATFORM YOU AGREE TO BE BOUND BY THESE TERMS. These Terms also apply to your use of any sites or services operated by our affiliates or member companies. These Terms of use do not apply to your use of unaffiliated sites to which any of the Company sites only link.
2. License Grant
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Platform for your personal, non-commercial use related to insurance services.
3. Changes to the Platform
We reserve the right, in our sole discretion, to update, enhance, modify, remove, or discontinue any aspect, feature, format, design, content, or functionality of the Platform, at any time with or without notice to you. We will not be liable to you, or any third party should we exercise such right. Any new features that augment or enhance the then-current services on the Platform shall also be subject to these Terms.
4. Accessibility
As accessibility needs are dependent on customer ability, we will address accessibility requests on an individual basis in consultation with the customer directly. We will try to provide the service or information in a preferred method or format. Where we cannot meet a specific request we will work with individuals to explore alternatives.
We recommend that customers who need to visit our office contact us in advance to advise of accessibility requirements. This provides our office the ability to make the necessary arrangements for your visit and/or advise of any disruptions in services (e.g. the elevator is down temporarily).
5. User Account
As a condition to using the certain parts of the Platform, you may be required to register an account and select a username and password. Should you register an account, you are agreeing to provide us with accurate, complete, and updated registration information. Failure to do so shall constitute a breach of these Terms, which may result in immediate termination of your account. You may be required to implement multi-factor authentication to access your account for the purpose of maintaining the security of your account and login information. You are responsible for all activity that occurs under your account, and you agree to maintain the security and secrecy of your account username and password at all times.
6. User Obligations
You are solely responsible for your use of the Platform, and you agree as follows with respect to your use of the Platform:
- not to alter or modify any part of the Platform;
- not to bypass, disable or otherwise interfere with any security-related features of the Platform or features that prevent or restrict use or copying of any Platform content or enforce limitations on use of the Platform or the Platform content;
- not to take any action that imposes or may impose (as determined by the Company in its sole discretion) an unreasonable or disproportionately large load on the Company’s (or its third party providers’) infrastructure;
- not to use or launch any system that accesses the Platform automatically or to install or transmit any computer program or software on or via the Platform;
- not to distribute, sublicense, or transfer any part of the Platform to any third party;
- not to reverse-engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any part of the Platform, any updates, or any part thereof (except as and only to the extent that any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing use of any open-sourced components included with the Platform);
- not to use the Platform for any unlawful purpose;
- that you are not entitled to remuneration or compensation of any kind from us for your use of the Platform; and
- not to use the Platform for any commercial purpose not intended to be allowed by the Platform without our prior written consent.
You are not permitted to use the Platform for any other purpose except as authorized by these Terms. You are not permitted to make any commercial or derivative use of the Platform, or to use any data mining, robots, or similar data gathering and extraction methods with respect to the Platform or any content contained therein.
Your failure to comply with any of the above conditions and restrictions of use constitutes grounds for us to immediately, and in our sole discretion, terminate your access to and use of the PLATFORM and its contents. In such event, we shall have no liability to you or any third party for your failure to comply with these Terms or any losses or damages that may result from your use of the PLATFORM, nor for any interruption or termination of your access or use of the PLATFORM.
In addition, you acknowledge that we will cooperate fully with investigations of violations of systems or network security at the website, including without limitation cooperating with law enforcement authorities in investigating suspected criminal violations.
7. User Content
The Platform may now or in the future permit you to upload user content such as documents, images, and text (the “User Content”). You are solely responsible for any User Content and for any communication and activity related to the Platform that occurs under your account. You will also be liable for any loss or damage resulting, directly or indirectly, from the distribution of your User Content. You hereby grant to the Company a worldwide, royalty-free, perpetual, irrevocable, sublicensable and transferable right and license to use, reproduce, modify, adapt, publish, translate, distribute any and all User Content for the purpose of providing its services to you.
You agree not to:
- Upload any User Content that could damage, disable, overburden, or impair our servers or networks.
- Upload any User Content that you do not have a legal right to make available, including content that is protected by copyright, trademark, or other proprietary rights without authorization.
- Upload any User Content that is unlawful, harmful, threatening, abusive, obscene, or otherwise objectionable.
- Transmit any worms, viruses, spyware, malware, bugs or any other harmful code to or through the Platform.
8. Use of Artificial Intelligence Tools
CORNERSTONE INSURANCE may use artificial intelligence (“AI”) tools to assist with limited decision-making processes related to our services. For example, AI may be used to identify certain account renewals for further review based on pre-defined criteria. These AI tools are subject to human oversight and do not replace human judgment in final decision-making.
Artificial Intelligence tools cannot replace a licensed professional and any information provided to users by an Artificial Intelligence tool should not be relied without consulting a professional.
9. Your Online Security
We use encryption and authentication tools to protect the security of the personal information that you share with us. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee or warrant the security of any information you transmit to or from our Platform, and you do so at your own risk. Once we receive your transmission, we will take all reasonable steps to protect its security on our systems.
We urge you to keep your password in a safe place and not to divulge it to anyone. Remember to sign off and close your browser window when you have finished your visit. This is to ensure that others cannot access your account, especially if you are sharing a computer with someone else or are using a computer in a public place such as a library or Internet cafe.
10. Use of Website Cookies
Some parts of the Platform use website cookies. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. This data is typically encoded information about how and when you use a site. You can set your browser to notify you when you are sent a cookie, giving you the chance to decide whether or not to accept it.
There are 2 types of cookies:
- Session cookies are used only for the length of time you stay on the website. When you leave the website, they expire and are no longer active. We use session cookies to enable us to better serve you when you visit www.cornerstoneinsurance.ca.
- Persistent cookies are more permanent and can be re-read when you return to the website that placed them on your computer. We use persistent cookies from time to time to prevent 1-time events from occurring during subsequent user visits. This often applies to message or survey pop-ups.
We may also use cookies for internal web reporting and statistics. This information would be gathered at an aggregate level and no individual user or computer would be identified.
Except as outlined above, we do not and will not use cookies to retrieve data from your hard drive (including email address information or other personal information).
You can choose not to accept cookies. You may do this by setting your browser options to inform you when cookies are being sent. Alternately, you can set these options to deny cookies altogether.
Note: By not accepting cookies you may limit the functionality that we can provide to you when you visit our website.
11. User Trend Analysis
When you visit our Platform or use our services, some information such as your computer’s operating system, Internet Protocol (IP) address, access times, browser type and language, and the website you visited before our Platform is logged automatically and stored in secure log files. We report on this logged information in aggregate, in other words, no personal information is included in the reports. These reports help us understand trends in our users’ needs so that we can better consider new features or otherwise tailor our products and services.
12. Payment
The Platform is currently provided free of charge. We reserve the right to introduce fees or to facilitate in-app purchases in future versions or updates of the Platform. If such changes are introduced, you will be provided with notice and an opportunity to review and accept any applicable terms and conditions before being required to make any payment.
13. Intellectual Property
All intellectual property rights in the Platform, including but not limited to copyrights, trademarks, and trade secrets, are owned by the Company. You do not acquire any ownership rights by using the Platform.
For purposes of these Terms, “content” is defined as any information, data, communications, software, photos, graphics and other material and services that can be viewed by users on the Platform.
By accepting these Terms, you acknowledge and agree that all content presented to you on the Platform is protected by copyrights, trademarks, service marks, patents or other proprietary or intellectual property rights and laws and is the sole property of the Company. Except for a single copy made for personal, non-commercial use only, you may not copy, reproduce, modify, republish, upload, post, transmit, sell, license, distribute or otherwise exploit any documents or information from the Platform in any form or by any means without prior written permission from us or the specific content provider, and you are solely responsible for obtaining permission before reusing any copyrighted material that is available on the Platform. Any unauthorized use of the materials appearing on the Platform may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.
14. Privacy
Your use of the Platform is also governed by our Privacy Policies, which can be found at Cornerstone Insurance Privacy Policy | Insurance Services & Swift Digital Insurance Privacy Policy | Insurance Services. By using the Platform, you consent to the collection and use of your personal information as outlined in these Privacy Policies.
15. Collection and Use of Personal Information
We collect and use your personal information to provide, maintain, and improve the Platform and our insurance services. This includes, but is not limited to:
- Personal Identification Information: Name, address, email, phone number, and other contact details.
- Insurance Information: Policy details, claims history, coverage information, and related data.
- Financial Information: Payment details, rebilling information, and transaction history.
- Usage Data: Information about how you interact with the Platform, including device information, IP address, and usage patterns.
We use this information to personalize your experience, process insurance claims, communicate with you, and comply with legal obligations. For more details, please refer to our Privacy Policy.
16. Disclaimer
The Company cannot guarantee and does not promise any specific results from use of the Platform.
The information on the Platform is intended to provide general information only on the various services and insurance coverages offered by the Company. Nothing on the Platform is intended to provide legal advice or to be relied on as binding in any dispute, claim, action, demand or proceeding.
The full terms and conditions of the insurance coverages offered by the Company are set out in the policy terms and conditions, and the legislation governing such policies. In the event of the omission of any information from the Platform, or any contradiction or difference between anything on the Platform and the policies or applicable legislation, you must treat the policies and applicable legislation as the full and correct statement of not only your insurance coverage, but your rights and obligations at law.
17. Limitation of Liability
The Company disclaims all liability for the use of the information contained on the Platform by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information. Further, and without limiting the generality of the foregoing, in no event shall the Company be liable for any indirect, special, exemplary, punitive, aggravated, incidental or consequential damages arising out of the use of the information herein even if it has been advised of the possibility of such damages. whatsoever, including without limitation, those resulting from loss of use, data or profits, whether or not we have been advised of the possibility of such damages, and on any theory of liability, arising out of or in connection with the use of the Platform or of any websites referenced or linked to from the Platform.
SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
IN THE EVENT THAT ANY CLAIM OR LIABILITY ARISES AGAINST US, OUR AGGREGATE LIABILITY IN CONNECTION WITH THESE TERMS, YOUR USE OF THE PLATFORM AND/OR RELATED WEBSITES SHALL BE LIMITED TO DIRECT DAMAGES ONLY, AND SUCH DIRECT DAMAGES SHALL NOT EXCEED $100.
You acknowledge that the Company has no control over, and no duty to take any action regarding: which users gains access to the Platform; what content you access via the Platform; what effects the content may have on you; how you may interpret or use the content; or what actions you may take as a result of having been exposed to the content. You release the Company from all liability for you having acquired or not acquired content through the Platform.
18. Disclaimer of Warranties
THIS PLATFORM AND ALL MATERIALS ON THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE PLATFORM AND MATERIALS WILL MEET YOUR REQUIREMENTS OR BE FIT FOR YOUR PURPOSE OR PARTICULAR USE, (B) YOUR USE OF OR ACCESS TO THE PLATFORM AND MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE PLATFORM OR MATERIALS WILL BE EFFECTIVE, ACCURATE OR RELIABLE, OR (D) THE QUALITY OF ANY PRODUCTS, SITE, OR INFORMATION OBTAINED BY YOU FROM THE PLATFORM FROM US OR OUR AFFILIATES WILL MEET YOUR EXPECTATIONS OR BE FREE FROM MISTAKES, ERRORS OR DEFECTS.
THE PLATFORM COULD INCLUDE TECHNICAL OR OTHER MISTAKES, INACCURACIES OR TYPOGRAPHICAL ERRORS. WE MAY MAKE CHANGES TO THE PLATFORM AND THE MATERIALS ON THE PLATFORM AT ANY TIME WITHOUT NOTICE. THE PLATFORM OR THE MATERIALS ON THE PLATFORM MAY BE OUT OF DATE, AND WE MAKE NO COMMITMENT TO UPDATE THE PLATFORM OR SUCH MATERIALS EXCEPT WHERE REQUIRED BY APPLICABLE LAW.
WE CANNOT AND DO NOT GUARANTEE OR WARRANT THAT THE PLATFORM WILL BE FREE OF VIRUSES OR OTHER DESTRUCTIVE CODE. YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE PLATFORM AND YOUR COMPUTER, INTERNET, AND DATA SECURITY. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING, OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE PLATFORM OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE PLATFORM OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
19. Indemnification
UPON A REQUEST BY US, YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD US AND OUR AFFILIATES HARMLESS FROM ALL LIABILITIES, CLAIMS, AND EXPENSES, INCLUDING SOLICITOR-CLIENT COSTS ON A FULL INDEMNITY BASIS, THAT ARISE FROM YOUR MISUSE OF THE PLATFORM, YOUR VIOLATION OF ANY OF THESE TERMS, YOUR VIOLATION OF ANY THIRD PARTY RIGHT, INCLUDING, WITHOUT LIMITATION, ANY INTELLECTUAL PROPERTY OR PRIVACY RIGHT. WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE WITH US IN ASSERTING ANY AVAILABLE DEFENSES. THIS DEFENSE AND INDEMNIFICATION OBLIGATION WILL SURVIVE THESE TERMS AND YOUR USE OF THE PLATFORM.
20. Third Party Sites and Information
The Platform may link you to other sites on the Internet or otherwise include references to information, documents, software, materials and/or services provided by other parties. Please review the terms of use and privacy policies of such third party sites carefully before using their sites. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, privacy practices, legality, decency, or any other aspect of the content of such sites, nor are we responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such a link or reference is provided merely as a convenience and does not imply endorsement of, or association with, the sites or party by us, or any warranty of any kind, either express or implied. You hereby agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against us and our affiliates with respect such links, website and third party information, and, to the extent permitted by applicable law, agree to indemnify and hold us and our affiliates harmless to the fullest extent allowed by law regarding all matters related to your use of the Platform.
21. Browser and JavaScript Disclaimer
The Company is not responsible for any errors or misinformation that may be obtained as a result of an incompatible browser. The Company supports the following browsers (Microsoft Edge, Firefox, Google Chrome) and cannot guarantee that navigation, pages, and online services will work or display properly should another browser be used.
Some pages on Platform sites may not appear or function improperly if the browser in use has not enabled JavaScript or does not support JavaScript capability, or is blocking pop-up windows.
The Company supports the most recent devices and platforms.
22. Social Media
The Company maintains a presence on third party social media sites (the “Social Media Sites”). Information that is provided by the Company on the Social Media Sites is for information purposes only and should not be considered as professional or legal advice.
Whenever a third party posts content to the Company’s social media accounts, this information remains the responsibility of the party submitting the content and does not represent the Company’s views. Comments posted by visitors to the Social Media Sites do not reflect the opinions of the Company. The Company cannot guarantee the appropriateness, accuracy or usefulness of any third party posts or any third party hyperlink, nor are they responsible for any unauthorized or copyrighted materials contributed by a third party in any Company social media page. The Company reserves the right to remove or edit any third party posts or comments on any Company social media page that are inappropriate or that violate (or may violate) applicable regulations.
These Terms apply to the Social Media sites and comments that fail to comply with the Terms may result in being blocked from posting or connecting on the Social Media Sites. For greater certainty, all content published by the Company to the Social Media Sites may not be reproduced, distributed or published without prior permission from the Company.
23. Termination
You agree that we may, in our sole discretion, terminate or suspend your access to all or part of the Platform with or without notice and for any reason including, without limitation, breach of these Terms. Any suspected fraudulent, abusive or illegal activity may be grounds for termination and may be referred to appropriate law enforcement authorities.
Upon termination or suspension, regardless of the reasons therefore, your right to use the services available on the Platform immediately ceases, and you acknowledge and agree that we may immediately bar any further access to the Platform. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension, or any other actions taken by us in connection with such termination or suspension.
24. International Use
The Platform is intended for use by individuals located in Canada.
Although the Platform may be accessible worldwide, we make no representation that materials on the Platform are appropriate or available for use in locations outside Canada and accessing them from territories or jurisdictions where their contents are illegal is prohibited. Those who choose to access the Platform from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with the Platform is void where prohibited.
25. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Saskatchewan, without regard to its conflict of law principles.
26. Changes to the Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new version of the Terms on our website or through the Platform. Your continued use of the Platform after such changes constitutes your acceptance of the updated Terms.
27. Contact Information
If you have any questions about these Terms, please contact us at hello@csinsure.ca.