General
The term "CUMIS" means, collectively, CUMIS Services Incorporated and any of its related, affiliated and subsidiary corporations, including (without limitation) The Co-operators Group Limited, Co-operators General Insurance Company, Co-operators Life Insurance Company, HB Group Insurance Management Ltd., Federated Agencies Limited, Co-operators Financial Services Limited, CUMIS General Insurance Company, The Sovereign General Insurance Company, The Edge Benefits Inc. and Premier Marine Insurance Managers Group (West) Inc. For purposes of individual life insurance, creditor group insurance and retirement services, Co-operators Life Insurance Company operates under the CUMIS brand.
CUMIS reserves the right, in its sole discretion, to modify these terms and conditions at any time without notice to you, and your continuing use of this website following such modifications shall indicate your acceptance of such modifications. You should periodically revisit this page in order to review the latest version of these terms and conditions.
The laws of the Province of Ontario and the laws of Canada applicable therein (without regard to conflict of law provisions) shall govern your use of this website, the materials and information provided on this website and these terms and conditions. Any legal action or proceeding relating to this website shall be governed exclusively by the courts of the Province of Ontario and all courts of appeal therefrom. If you access this website from a location outside of Canada, you do so on your own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
If any provision of these terms and conditions are found by a court of competent jurisdiction to be invalid or void, then that provision shall be deemed to be severable from the rest of these terms and conditions and shall not affect the validity and enforceability of any remaining provisions of these terms and conditions, which shall remain in full force and effect. CUMIS' failure to enforce, or delay in enforcing, any of these terms and conditions shall not operate as a waiver of any of CUMIS' rights or privileges under these terms and conditions. When it is appropriate, a word used in the masculine gender includes the feminine gender, and vice versa.
CUMIS does not warrant that this website will always be available or that it will meet your requirements, nor does it warrant that access will not be interrupted, or that there will be no delays, failures, errors or omissions, or loss of transmitted information. CUMIS assumes no liability for loss or damages (including direct, indirect, special, incidental, consequential or punitive damages) that may result from any of the foregoing.
These terms and conditions are of general application to this website, and are supplementary to any disclaimer, term or condition of specific application on a particular webpage provided on this website. In case of conflict, the specific disclaimers, terms and conditions shall govern over these terms and conditions.
Products and services of CUMIS are only offered in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in your province or territory of residence. Discounts, coverage and eligibility vary by province and territory. All products and services are subject to the terms of the applicable agreements and laws that apply thereto. In case of any discrepancy between any such agreement and this website, the agreement will govern. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.
The insurance coverage described in this website is underwritten by CUMIS General Insurance Company, Co-operators Life Insurance Company or by third party insurance companies which have entered into agreements with CUMIS and is administered by CUMIS General Insurance Company, Co-operators General Insurance Company or Co-operators Life Insurance Company.
Disclaimer
The material and information provided on this website is provided "as is" and without warranties of any kind, either express or implied. CUMIS disclaims all warranties, express or implied, with respect to this website, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.
Without limiting the generality of the previous paragraph, CUMIS does not guarantee that the material and information provided on this website will be up-to-date, complete or accurate. Such material and information is subject to change without notice.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, services or other information provided on this website. The opinions, services and other information provided on this website do not constitute, and CUMIS is not rendering, legal, accounting or other professional advice, and CUMIS disclaims and does not assume any liability whatsoever with respect to such opinions, services or other information.
CUMIS disclaims all liability arising from the use of this website or the materials and information provided on this website by any user, including any losses, damages, lawsuits, claims or expenses a user may incur as a result of accessing or using this website or such materials or information. Further, and without limiting the generality of the foregoing, in no event shall CUMIS be liable for any direct, indirect, special, incidental, consequential or punitive damages arising out of the access or use of this website or the materials and information provided on this website, even if it has been advised of the possibility of such damages.
Copyright and Trademarks
Unless otherwise noted, the graphic images, buttons, layout and text contained in this website are protected by copyright and are the exclusive property of CUMIS, represent only part of the intellectual property of CUMIS, and may not be copied, redistributed, reproduced, republished, stored in any medium, re-transmitted, modified or made public for commercial use, in whole or in part, without the express written consent of CUMIS. Users of this website may copy any materials or information provided on this website and display and use such materials or information for their own personal use, but may not republish or reproduce such materials or information in any manner, including electronic reproduction by uploading or downloading for commercial or other uses, without the prior written consent of CUMIS. Where the copying or republication of materials or information provided on this website is permitted by these terms and conditions or by the written consent of CUMIS, an acknowledgment of the source must be included whenever such materials or information are copied or republished.
Certain names, words, titles, phrases, logos, icons, graphics or designs contained in this website may constitute trade names, registered or unregistered trademarks or service marks of CUMIS or third parties. Such trade names, trademarks and service marks are protected by applicable laws, and may not be used except with the prior written consent of CUMIS or the applicable third party. Any unauthorized downloading, re-transmission, or other copying or modification of trade names, trademarks and service marks found on this website may be a violation of statutory or common law rights which could subject the violator to legal action. The display of logos on pages of this website does not imply that a license of any kind has been granted to anyone else. CUMIS prohibits the use of its logos and registered names as hyperlinks to any other websites without written authorization. All rights reserved.
Specific Attributions
The symbols ® and TM designate Canadian registered trademark and unregistered trademark status respectively.
Co-operators®, is a registered trademark of The Co-operators Group Limited and is used with permission.
OneStep®, is a registered trademark of Co-operators General Insurance Company and is used with permission.
CLIC™ and the CLIC™ design are trademarks of CUMIS Life Insurance Company and are used with permission.
CUIS™ and the CUIS™ design are trademarks of Credit Union Central of Canada and are used with permission.
CUMIS® is a trademark of The CUMIS Group Limited and is used with permission.
