Website Terms and Conditions

CLIC Insurance services ("CLIC", "we", or "us") provides access to and use of this site ("Website") subject to your acceptance of these terms and conditions ("Terms"). By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, "Content") through this Website you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this site and cease your current access.


This Website is not intended as a solicitation for insurance or investment products in any state or province where CLIC or its agents are not licensed.


CLIC and its content providers ("Providers") own and have copyrights on this Website and all of the Content, which is protected by US, Canadian and International copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to created a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of CLIC.

Trademarks, logos, and service marks displayed on the Website ("Marks") are the registered or common law Marks of CLIC or its Providers. Your use of and access to the Website does not grant you any license or right to use any of the Marks.


You may not use the Website for any false or fraudulent purpose. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of the Website or take any action that imposes an unreasonable load on CLIC's computer equipment. Finally, you may not use the Website for any purpose that is unlawful or otherwise prohibited by these Terms.

CLIC reserves the right, at any time and without advance notice or liability, to terminate your access to the Website or any component therein.


Your use of the Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.


The Website may contain links to other sites on the World Wide Web. Links to outside sites do not constitute or imply endorsement by CLIC of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. Access to these sites is at your own risk.


Under no circumstances should you regard any information you may access in the Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through the Website does not constitute a binder of insurance coverage. The application may be used by CLIC to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies.

Disclaimer of Warranties

CLIC and its providers make no warranty of any kind regarding the website and/or the content. The website and content are provided "as-is." CLIC expressly disclaims:

  • Representation or warranty that the website will be error-free, secure, or uninterrupted
  • Warranty as to the accuracy, adequacy completeness, or timeliness of content on this website
  • Liability for errors or omissions in the information or materials accessed on or through the website
  • Warranties and conditions, including warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus and those arising by statute or otherwise in law or from a course of dealing or usage of trade.

Some jurisdictions do not allow the disclaimer of implied warranties, so this warranty disclaimer may not apply in whole or in part to you.

Limitation of Liability

CLIC and its providers will not be responsible or liable for:

  • Any damages to or viruses that may infect your computer equipment or other property as the result of your access to, use of or browsing in their website or your downloading of any content
  • Any injury, loss, claim, damage, or any special exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability, or otherwise, that arises out of or is any any way connected with:
    • Any use of the website or the content found therein
    • Any failure or delay (including without limitation the use of or inability to use any component of the website to submit applications for insurance products or services)
    • The performance or non performance by us or any provider, even if we have been or a provider has been advised of the possibility of damages to such parties or any other party

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

A copy of CLIC Insurance Services Inc. Point of Sale Disclosure is available upon request.


These Terms are governed by the laws of Canada excepting its conflicts of law principles. Any dispute arising out of this site shall be subject to the exclusive venue of a court of competent jurisdiction in Canada. The headings in these Terms are for convenience and reference and shall have no legal effects. Any failure by CLIC to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and CLIC relating to your use of the site and replaces any prior oral or written understandings or agreements.


CLIC reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the "Using this site means you accept its terms" link on the Website's home page. Any material changes to the Terms will be brought to your attention when you next visit the site. In addition, the last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Website after the date of the last revision indicates your acceptance of any revisions.

These Terms were last revised on July 16th, 2011.