Legal Notices & Disclaimers of Liability

Ownership & Copyrights

This web site (“Website”) is operated by or on behalf of Special Benefits Insurance Services. All content on this Website is the copyrighted property of Special Benefits Insurance Services and/or its various third party providers and distributors.

Except to the extent that you have been granted express prior permission from Special Benefits Insurance Services, none of the content or data found on the Website may be reproduced, republished, distributed, sold, transferred, modified, posted, transmitted or distributed. You may download, display and print the materials presented on this Website for your personal use.

Our commitment to privacy

Special Benefits Insurance Services is committed to the protection of any personal information collected by it, or in its custody, including any information transferred to a third party to fulfill the purposes for which the information was collected. Personal information includes any information, recorded or not, about an identifiable individual. Examples of personal information that are identifiable include names, age, sex, social insurance numbers, health status, health history, financial information, benefit claims data, etc. It also includes information which can be matched with other information in order to establish an individual’s identity.


Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks (“Trade-marks”) of Special Benefits Insurance Services and used under license by Special Benefits Insurance Services. However, the display of Trade-marks on pages at this Website does not imply that any license has been granted to any third party.

Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.

Use of the website

You represent, warrant and covenant that your use of the Website shall not:

Limitation of liability

In no event will Special Benefits Insurance Services be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential or punitive damages, losses or expenses, whether or not Special Benefits Insurance Services, or representatives thereof, are advised of the possibility of such damages, losses or expenses, arising in connection with:

Information & availability

Information on the public areas of this Website is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard.

Information provided by Special Benefits Insurance Services on its Website is believed to be accurate and reliable, but we cannot guarantee that such information is accurate or complete or current at all times. While we endeavour to keep the information current, such information is subject to change at any time without notice.

Special Benefits Insurance Services makes reasonable commercial efforts to make the Website available, however, it is not responsible for any service interruptions. Special Benefits Insurance Services will not be liable for any loss resulting from a cause over which it does not have direct control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labour problems, wars, or governmental restrictions.

Links to other websites

Special Benefits Insurance Services makes no representations whatsoever about any other web site which you may access through this Website. When you access a non-Special Benefits Insurance Services web site, it is independent from Special Benefits Insurance Services, and Special Benefits Insurance Services has no control over the content on that web site. In addition, a link to a non-Special Benefits Insurance Services web site does not mean that Special Benefits Insurance Services endorses or accepts any responsibility for the content, or use, of such web site. It is your responsibility to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

Links from or to web sites outside this Website are meant for convenience only. Special Benefits Insurance Services does not review, endorse, approve or control, and is not responsible for any web sites linked from or to this Website, the content of those web sites, the third parties named therein, or their products and services. Linking to any other web site is at your sole risk and Special Benefits Insurance Services will not be responsible or liable for any damages in connection with such linking. Links to web sites offering downloadable software are for convenience only and Special Benefits Insurance Services does not endorse any such software and is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any such downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with such software.

Governing Jurisdiction

This Website and your use of it will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to the principles of conflicts of law.