Terms and Conditions
By accessing and browsing this website you accept and agree to be bound by and comply with, without limitation or qualification, the terms and conditions set out below.
Please read these terms and conditions before using this website. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site. These terms and conditions may be changed from time to time without notice. Therefore be sure to review these terms and conditions regularly.
In these terms and conditions, any reference to "we," "us," "our," or “Higgins Insurance” refers to TW Insurance Services Ltd. - o/a Higgins Insurance.
Product and Website Availability
The services described in this website are available only to those who are Canadian residents, who have reached the age of majority in their province or territory of residence, and/or who possess the legal authority to create a binding legal obligation.
Information Accuracy
All information on this website, including quotations and information relating to premiums, is subject to change without notice. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this website. We assume no liability or responsibility for any errors or omissions on this website.
Unsubscribe Option
We are committed to making all contact straightforward and relevant. From time to time, we would like to let clients know about new or enhanced products and services. In addition, we may communicate promotions that may be of interest to you; however, we will not contact you unless you provide consent. You can withdraw consent at any time by clicking the unsubscribe link in the email.
Obtaining an Insurance Quote
To obtain the most accurate rate and to maximize your eligibility for discounts, it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be false, an insurance policy may be voided.
Ownership of Intellectual Property
Content of this website is the copyright of TW Insurance Services Ltd. - o/a Higgins Insurance and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of Higgins Insurance which may be arbitrarily withheld.
Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to Higgins Insurance.
Security
We know that the internet is not entirely secure and the confidentiality of certain information cannot be guaranteed. This website has security measures in place to protect the loss, misuse and alteration of the information under our control. Any unencrypted email communication over the Internet is, as with communication via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted email. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk. For more information, please read our Privacy Policy carefully.
Disclaimer
Neither Higgins Insurance nor any of their third-party administrators and agents, employees, directors, officers, trustees and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing or delivering this website, shall be liable for any loss, harm or damage, including, without limitation, any direct, indirect, special, third-party or consequential damages, however caused, to any person as a consequence of, or arising out of, your access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your own risk.
Interpretation and Jurisdiction
If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions. You agree that the laws of Canada govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of Canada shall have exclusive jurisdiction over all such claims.
Third Party Information
Third party website links are owned and operated by an independent party over which Higgins Insurance has no control ("Third Party Website"). Any link you take to or from the Third Party Website will be at your own risk. Any information you provide will be governed by the terms of the Third Party Website, including those relating to confidentiality, data privacy and security.
In addition to the terms stated in Higgins Insurance’s Privacy Policy, Higgins Insurance disclaims liability for any loss, damage and any other consequence resulting directly or indirectly from or relating to your access to the Third Party Website or any information that you may provide or any transaction conducted on or via the Third Party Website or the failure of any information, goods or services posted or offered at the Third Party Website or any error, omission or misrepresentation on the Third Party Website or any computer virus arising from or system failure associated with the Third Party Website.
Indemnity
You agree to indemnify, defend and hold harmless Higgins Insurance and its officers, directors, information providers, agents, partners, affiliates, from and against any and all liabilities, demands, claims, costs, including reasonable legal fees, incurred by the indemnified parties in connection with any demand, claim, action, suit, or loss due to or arising as a result of any breach by you of these Terms and Conditions or claims arising from your account or arising out of information you submit through your use of the Higgins Insurance website, your violation of any agreement with Higgins Insurance and these Terms and Conditions, or your violation of any rights of any third party. You agree to use your best efforts to cooperate with Higgins Insurance in the defense of any demand, claim, action or suit.
Ownership of Intellectual Property
Higgins Insurance logos, marks, designs and trademarks are all registered trademarks owned by TW Insurance Services Ltd. - o/a Higgins Insurance. The display of trademarks or trade-names on the website does not convey or create any license or other rights in these marks or names. Nothing in these terms and conditions shall be construed as conferring any right under any copyright of Higgins Insurance or any other person who owns the copyright.
Limitation of Liability
Under no circumstances will Higgins Insurance be liable for any damages relating directly or indirectly to any action or inaction based on the content, information, products or services or other material available through the website. Higgins Insurance will not be responsible for any damages or losses related to, the accuracy, currency or completeness of the content, breach of contract, warranty of fitness, information, products or services or other material obtained through the website.
Cookie Management
At Higgins Insurance, we value your privacy. Like many companies, we use cookies to enhance your browsing experience, serve personalized ads or content, and analyze our traffic. We provide you with the opportunity to customize your cookie preferences when you first visit our website, and to change your mind about your consent at any time.
What are cookies?
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide a better user experience, and understand how the website performs and to analyze what works and where it needs improvement.
How do we use cookies?
We use cookies:
Third-party cookies are cookies placed by our business partners from a different website. They are mainly used on our website for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better user experience by improving your future interactions with our website.
Session cookies are stored temporarily on your computer or device while you use the website, and are deleted when you close your internet browser.
Persistent cookies remain on your computer or device after you have closed your browser, so we can remember if you have visited our website before or your preferences.
Types of cookies we use
We categorize cookies into 5 types depending on their function.
Please read these terms and conditions before using this website. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site. These terms and conditions may be changed from time to time without notice. Therefore be sure to review these terms and conditions regularly.
In these terms and conditions, any reference to "we," "us," "our," or “Higgins Insurance” refers to TW Insurance Services Ltd. - o/a Higgins Insurance.
Product and Website Availability
The services described in this website are available only to those who are Canadian residents, who have reached the age of majority in their province or territory of residence, and/or who possess the legal authority to create a binding legal obligation.
Information Accuracy
All information on this website, including quotations and information relating to premiums, is subject to change without notice. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this website. We assume no liability or responsibility for any errors or omissions on this website.
Unsubscribe Option
We are committed to making all contact straightforward and relevant. From time to time, we would like to let clients know about new or enhanced products and services. In addition, we may communicate promotions that may be of interest to you; however, we will not contact you unless you provide consent. You can withdraw consent at any time by clicking the unsubscribe link in the email.
Obtaining an Insurance Quote
To obtain the most accurate rate and to maximize your eligibility for discounts, it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be false, an insurance policy may be voided.
Ownership of Intellectual Property
Content of this website is the copyright of TW Insurance Services Ltd. - o/a Higgins Insurance and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of Higgins Insurance which may be arbitrarily withheld.
Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to Higgins Insurance.
Security
We know that the internet is not entirely secure and the confidentiality of certain information cannot be guaranteed. This website has security measures in place to protect the loss, misuse and alteration of the information under our control. Any unencrypted email communication over the Internet is, as with communication via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted email. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk. For more information, please read our Privacy Policy carefully.
Disclaimer
Neither Higgins Insurance nor any of their third-party administrators and agents, employees, directors, officers, trustees and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing or delivering this website, shall be liable for any loss, harm or damage, including, without limitation, any direct, indirect, special, third-party or consequential damages, however caused, to any person as a consequence of, or arising out of, your access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your own risk.
Interpretation and Jurisdiction
If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions. You agree that the laws of Canada govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of Canada shall have exclusive jurisdiction over all such claims.
Third Party Information
Third party website links are owned and operated by an independent party over which Higgins Insurance has no control ("Third Party Website"). Any link you take to or from the Third Party Website will be at your own risk. Any information you provide will be governed by the terms of the Third Party Website, including those relating to confidentiality, data privacy and security.
In addition to the terms stated in Higgins Insurance’s Privacy Policy, Higgins Insurance disclaims liability for any loss, damage and any other consequence resulting directly or indirectly from or relating to your access to the Third Party Website or any information that you may provide or any transaction conducted on or via the Third Party Website or the failure of any information, goods or services posted or offered at the Third Party Website or any error, omission or misrepresentation on the Third Party Website or any computer virus arising from or system failure associated with the Third Party Website.
Indemnity
You agree to indemnify, defend and hold harmless Higgins Insurance and its officers, directors, information providers, agents, partners, affiliates, from and against any and all liabilities, demands, claims, costs, including reasonable legal fees, incurred by the indemnified parties in connection with any demand, claim, action, suit, or loss due to or arising as a result of any breach by you of these Terms and Conditions or claims arising from your account or arising out of information you submit through your use of the Higgins Insurance website, your violation of any agreement with Higgins Insurance and these Terms and Conditions, or your violation of any rights of any third party. You agree to use your best efforts to cooperate with Higgins Insurance in the defense of any demand, claim, action or suit.
Ownership of Intellectual Property
Higgins Insurance logos, marks, designs and trademarks are all registered trademarks owned by TW Insurance Services Ltd. - o/a Higgins Insurance. The display of trademarks or trade-names on the website does not convey or create any license or other rights in these marks or names. Nothing in these terms and conditions shall be construed as conferring any right under any copyright of Higgins Insurance or any other person who owns the copyright.
Limitation of Liability
Under no circumstances will Higgins Insurance be liable for any damages relating directly or indirectly to any action or inaction based on the content, information, products or services or other material available through the website. Higgins Insurance will not be responsible for any damages or losses related to, the accuracy, currency or completeness of the content, breach of contract, warranty of fitness, information, products or services or other material obtained through the website.
Cookie Management
At Higgins Insurance, we value your privacy. Like many companies, we use cookies to enhance your browsing experience, serve personalized ads or content, and analyze our traffic. We provide you with the opportunity to customize your cookie preferences when you first visit our website, and to change your mind about your consent at any time.
What are cookies?
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide a better user experience, and understand how the website performs and to analyze what works and where it needs improvement.
How do we use cookies?
We use cookies:
- To facilitate your user session with us by storing session information to ensure that the data is passed on in proper sequence from step to step. The cookie itself is stored on your own computer and does not contain any personal information.
- To customize content, marketing and advertising, to provide social media features, and to analyze traffic to the site. We also share non-personally identifiable information about your use of our site with our trusted social media, advertising and analytics partners.
- To help us better evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our website in an effort to provide you with an enhanced customer experience.
Third-party cookies are cookies placed by our business partners from a different website. They are mainly used on our website for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better user experience by improving your future interactions with our website.
Session cookies are stored temporarily on your computer or device while you use the website, and are deleted when you close your internet browser.
Persistent cookies remain on your computer or device after you have closed your browser, so we can remember if you have visited our website before or your preferences.
Types of cookies we use
We categorize cookies into 5 types depending on their function.
Manage your cookie preferences
On our website:
On our website:
You can change your cookie preferences any time by clicking the above button. This will let you revisit the cookie consent banner and change or withdraw your consent right away. If you do turn off cookies, remember that you may not be able to use all the services on our websites.
Find out how to manage cookies on popular browsers: By Google Analytics:
We may use cookies from Google Analytics to analyze your use of our websites, to create reports about visitor activities for us and to provide further services associated with the use of the websites and the Internet. Although this information is collected through your Google ad settings, it is not provided to us in a personally-identifiable format. If you would like to opt out of Google’s ad settings, please go to https://www.google.com/settings/ads or use the Google opt out browser add-on.
You can find out more about how we manage your personal data in our Privacy Policy.
