Disclaimer, Privacy Policy and Limitation of Liability

Disclaimer:

Marhen Insurance Brokers Ltd. (dba Tech Insurance Ontario) provides this website as a service. While the information contained within the site is periodically updated, no guarantee is given that the information provided in this website is correct, complete, and/or up-to-date.

PLEASE BE AWARE THAT COVERAGE ON YOUR INSURANCE POLICY CAN NOT BE ADDED, DELETED OR BOUND BY LEAVING US A VOICEMAIL MESSAGE OR BY USING A CONTACT FORM ON OUR WEBSITES. IN ORDER TO BIND, ADD OR DELETE COVERAGE ON YOUR POLICY YOU MUST SPEAK DIRECTLY TO ONE OF OUR REGISTERED INSURANCE BROKERS.

The materials contained on this website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter.

Marhen Insurance Brokers Ltd. (dba Tech Insurance Ontario) does not accept any responsibility for any loss which may arise from reliance on information contained on this site.

Permission is given for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer. The contents of this site are protected by copyright under international conventions and, apart from the permission stated, the reproduction, permanent storage, or retransmission of the contents of this site is prohibited without the prior written consent of Marhen Insurance Brokers Ltd.

This website and its contents are provided “AS IS” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Reproduction, distribution, republication, and/or retransmission of material contained within this website are prohibited unless the prior written permission of Marhen Insurance Brokers Ltd. has been obtained.

Privacy Policy:

Our insurance brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information.

As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we will only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.

Personal Information Collected

Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

• Basic information such as your name, address, telephone and fax numbers, e-mail address, birth date and marital status.
• Insurance claims history
• Credit and past payment records
• Drivers record
• Details about your property such as the value of your home and its contents
• Medical information such as any condition that may affect the operation of a vehicle
• Employment information

We may obtain this information from:

• You
• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Motor vehicle and driver licensing authorities
• Financial institutions
• Medical professionals

Why do we collect personal information?

When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

• Enable us to acquire or renew an insurance policy for you
• Assist you and assess your ongoing needs for insurance
• Assess your need for other products, such as financial products, and offer them to you
• Ensure your information is accurate and up-to-date
• Monitor our marketing and promotional efforts and improve our content and service offerings, and better tailor them to meet your needs
• Protect us both against error or fraud

Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter or email.

Who do we disclose your personal information to?

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:

• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Professionals working with us such as adjusters or lawyers
• Financial institutions. For example, the organization that carries your mortgage

How we protect your personal information.

In order to protect your personal information and right to privacy, we will:

• Not collect, use or disclose your personal information for any purpose other than those that we identify to you
• Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
• Maintain your personal information in as accurate, complete and up-to-date a form as possible
• Safeguard your personal information to the best of our ability
• Respond to any request you may make to access or correct the personal information we hold about you
• Obtain the appropriate consent from you for the collection, use or disclosure of your personal information

Privacy Internet Communication

As the privacy of communication over the Internet cannot be guaranteed, we do not assume any responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.

Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

Web Site Use Information

Similar to other commercial Web sites, our Web site utilizes a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.

What Are Cookies?

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Browsers are usually set to accept cookies. However, if you would prefer not to receive cookies, you may alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function as effectively when viewed by the users. A cookie cannot retrieve any other data from your hard drive or pass on computer viruses.

How Do We Use Information We Collect from Cookies?

As you visit and browse our Web site, the site uses cookies to differentiate you from other users. In some cases, we also use cookies to prevent you from having to log in more than is necessary for security. Cookies, in conjunction with our Web server’s log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback to constantly improve our Web site and better serve our clients. Cookies do not allow us to gather any personal information about you and we do not intentionally store any personal information that your browser provided to us in your cookies.

IP Addresses

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.

What About Other Web Sites Linked to/from Our Web Site?

We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.

Please remember that when you use a link to go from our Website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites, which have a link on our Website, is subject to that Web site’s own rules and policies. Please read over those rules and policies before proceeding.

Acquisition or Changes in Ownership (Release of Information)

If this website (Marheninsurance.com, TechInsuranceOntario.ca or any other website owned by Marhen Insurance Brokers Ltd.) and/or Marhen Insurance Brokers Ltd. are sold, the information we have obtained from you through your voluntary participation in our site may transfer to the new owner as a part of the sale in order that the services being provided to you may continue. In that event, you will receive notice through our website of that change in control and practices, and we will make reasonable efforts to ensure that the purchaser honours any opt-out requests you might make of us.

Policy Modifications

We may change this Privacy Policy from time to time. If/when changes are made to this privacy policy, we will email users who have given us permission to do so. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

Consent

In using this site, you signify your consent to our privacy policy. If you are not in agreement, please do not use the site. We reserve the right, at our discretion, to update, change, modify, add, or remove this policy from time to time, as appropriate. Should we make changes, we will publish these on the site in a timely fashion.

Please do not hesitate to contact our Privacy Officer should you have any questions.

Our Privacy Officer may be contacted as follows:

Name of Organization: Marhen Insurance Brokers Ltd.

Address: 3600 Billings Ct, Suite 210, Burlington, ON, L7N 3N6

416-255-3728

Fax:416- 255 – 7585

Upon request, an individual will be informed of the existence, use, and disclosure of his or her personal information which is under our control, and may be given access to, and challenge the accuracy and completeness of that information.

Limitation of Liability

Marhen Insurance Brokers Ltd, its affiliates and related companies take no responsibility for the accuracy or validity of any claims or statements contained in the information, or related graphics of this site.

Further, Marhen Insurance Brokers Ltd. (dba Tech Insurance Ontario)makes no representations whatsoever about the suitability of any of the information contained in the information or graphics on this site for any purpose. All such information and related graphics are provided without warranty of any kind.

Marhen Insurance Brokers Ltd.  (dba Tech Insurance Ontario) makes no representations whatsoever about any other Web site or third-party service which you may access through this site. When you access a non-Marhen Insurance Brokers Ltd. Web site or purchase services from a third party, you understand and acknowledge that it is independent from Marhen Insurance Brokers Ltd. and that Marhen Insurance Brokers Ltd. has no control over the content on any such Web site or services.

In addition, a link to a non-Marhen Insurance Brokers Ltd. Web site does not mean that Marhen Insurance Brokers Ltd. endorses or accepts any responsibility for the content, or the use, of such Web site. It is your responsibility to take precautions to ensure that whatever you select for your use by you is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL Marhen Insurance Brokers Ltd.  (dba Tech Insurance Ontario) BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION AVAILABLE OR REFERRED TO ON THIS SITE.