Terms of use

These terms apply to your use of all of the sites and services owned or operated by SGI CANADA.

These terms apply to your use of all of the sites and services owned or operated by SGI CANADA.

Unless stated otherwise, all references to the SGI CANADA sites in these terms include all such sites.

These terms of use do not apply to your use of unaffiliated sites to which any of the SGI CANADA sites only link.

Disclaimer

The information on this website is intended to provide general information only on the various services and insurance coverages offered by SGI CANADA. Nothing in this website is intended to provide legal advice or to be relied on as binding in any dispute, claim, action, demand or proceeding.

The full terms and conditions of the insurance coverages offered by SGI CANADA are set out in the policy terms and conditions, and the legislation governing such policies. In the event of the omission of any information from this website, or any contradiction or difference between anything on this website and the policies or applicable legislation, you must treat the policies and applicable legislation as the full and correct statement of not only your insurance coverage, but your rights and obligations at law.

SGI CANADA disclaims all liability for the use of the information contained on this site by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information. Further, and without limiting the generality of the foregoing, in no event shall SGI CANADA be liable for any direct, indirect, special, exemplary, punitive, aggravated, incidental or consequential damages arising out of the use of the information herein even if it has been advised of the possibility of such damages.

Browser and JavaScript disclaimer

SGI CANADA is not responsible for any errors or misinformation that may be obtained as a result of an incompatible browser. SGI CANADA supports the following browsers and cannot guarantee that navigation, pages, and online services will work or display properly should another browser be used.

• Internet Explorer 7.0 and above
• Firefox 3.6 and above
• Safari 5.0 and above
• Chrome 12.0 and above

Some pages in this site may not appear or function improperly if the browser in use has not enabled JavaScript or does not support JavaScript capability, or is blocking pop-up windows.

Documents

Forms and documents on this site are in PDF format. You will require Adobe Acrobat Reader 7.0 or higher to view the file.

Rich media

For video capabilities to work on this site, visitors must have a browser compatible with HTML 5 or Adobe Flash 10 and above.

Your online security

We use encryption and authentication tools to protect the security of the personal information that you share with us. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee or warrant the security of any information you transmit to or from our website, and you do so at your own risk. Once we receive your transmission, we will do our best to protect its security on our systems.

We urge you to keep your password in a safe place and not to divulge it to anyone. Remember to sign off and close your browser window when you have finished your visit. This is to ensure that others cannot access your account, especially if you are sharing a computer with someone else or are using a computer in a public place such as a library or Internet cafe.

Use of website cookies

Our website uses cookies. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. This data is typically encoded information about how and when you use a site. You can set your browser to notify you when you are sent a cookie, giving you the chance to decide whether or not to accept it.

There are 2 types of cookies:

• Session cookies are used only for the length of time you stay on the website. When you leave the website, they expire and are no longer active. We use session cookies to enable us to better serve you when you visit www.sgicanada.ca.
• Persistent cookies are more permanent and can be re-read when you return to the website that placed them on your computer. We use persistent cookies from time to time to prevent 1-time events from occurring during subsequent user visits. This often applies to message or survey pop-ups.

We may also use cookies for internal web reporting and statistics. This information would be gathered at an aggregate level and no individual user or computer would be identified.

Except as outlined above, we do not and will not use cookies to retrieve data from your hard drive (including email address information or other personal information).

You can choose not to accept cookies. You may do this by setting your browser options to inform you when cookies are being sent. Alternately, you can set these options to deny cookies altogether.

Note: By not accepting cookies you may limit the functionality that we can provide to you when you visit our website.

Links to other sites

Our website may contain links to websites operated and maintained by third parties, over which we have no control. Privacy policies on such linked sites may be different from our privacy policy. Access to such linked sites are done at your own risk. You should always read the privacy policy of a linked site before disclosing any personal information on the site.

Third-party services

The use of the term analytics is defined as information we collect about our websites such as length of time spent on our sites, what pages are loaded, and by what kinds of devices. This general analytic data does not identify the user directly.

Third-party applications and services are not operated or controlled by SGI CANADA. Use of the Tools button on SGI CANADA website pages will display a list of third-party options. Use of these tools are voluntary and will bind you to the terms of use listed on this website. You agree to let our third-party analytics tools generate statistical reports, and allow SGI CANADA to use and collect information that is freely posted on our social media pages, such as comments or posts.

AddThis: SGI CANADA uses AddThis as a service to allow users to share pages located on our websites. Use of this service does not require registration, and no identifiable personal information is saved. AddThis collects non-personal data for usage tracking, statistical and service quality purposes. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. Use of the Email feature will only supply SGI CANADA information relating to how many times a page was shared and opened, no personal information is retained. AddThis does not verify email addresses. See AddThis's privacy policy, terms of service and opt-out policy.

Bit.ly: SGI CANADA uses Bit.ly to shorten URLs for sharing on Twitter. Bit.ly collects and provides data on how often Twitter users click on the shortened URLs that have been shared. The analytics available do not provide any personal or identifiable information. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See Bit.ly's privacy policy and terms of service.

Brightcove: SGI CANADA uses this service to play videos on our websites for display on desktop, mobile, and tablet devices. Brightcove may collect and report non-identifiable information about video usage. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See Brightcove's privacy policy and terms of service.

Facebook: SGI CANADA uses this service to post various updates relating to news, notices, contests, and other communications to inform and interact with users. You may read Facebook page posts without an account, but you need to register with Facebook to comment or click on the Like button. Personal identifying information will be visible to SGI CANADA staff and other Facebook site visitors if you Like or comment on our public pages. You must use your own Facebook privacy settings to control the display of this kind of information. SGI CANADA may collect and use information that is posted on our Facebook pages and that is publically available. Facebook may collect and report non-identifiable information about activities on SGI CANADA Facebook pages. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See Facebook's privacy policy and terms of service.

Google: Google services such as Analytics and Google Maps may be used to enhance service for SGI CANADA website visitors. Google may collect and report non-identifiable information about activities on Google services. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See Google's privacy centre and terms of service for further information on applications and policies.

LinkedIn: SGI CANADA uses this service to provide information about products, career opportunities and more. LinkedIn may collect and report information about activities on SGI CANADA company profile pages. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See LinkedIn's privacy policy and user agreement.

Twitter: SGI CANADA uses this service to share information with visitors and respond to comments and inquiries on Twitter. You may read our Twitter posts without creating a Twitter account, but to follow us on Twitter you must create an account. You can modify how much information is visible to the public by changing your privacy settings on Twitter. Personal identifying information will be visible to SGI CANADA staff and other Twitter visitors if you comment on our public pages. SGI CANADA may collect and use information that is posted on our Twitter pages. Twitter may collect and report non-identifiable information about activities on SGI CANADA Twitter pages. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See Twitter's privacy policy and terms of service.

Yahoo!: SGI CANADA uses Yahoo! Inc. services such as Flickr as a photo sharing community. You may view photos without creating a Flickr account, but to post comments you must create an account. You can modify how much information is visible to the public by changing your privacy settings on Yahoo! or Flickr. Personal identifying information will be visible to SGI CANADA staff and other Flickr visitors if you comment on public photos. SGI CANADA may collect and use information that is posted. Yahoo! may collect and report non-identifiable information about activities on Yahoo! Services. This information is password protected and only available to SGI CANADA staff and SGI CANADA social media consultants. See Yahoo!'s privacy centre, terms of service and Flickr's privacy policy.

YouTube: SGI CANADA posts videos and comments on our YouTube channel. You do not need to register with YouTube to watch videos. YouTube may record non-identifiable information about its site usage, such as channels and videos, but if you are logging on with a YouTube user ID, YouTube may associate information about your site use with your YouTube account, including comments made on SGI CANADA posted videos. This information may be used by SGI CANADA staff and SGI CANADA social media consultants. Personal information you include when registering with YouTube may be visible to visitors who view comments.

Ads appearing on SGI CANADA YouTube videos are delivered by YouTube and its advertising partners and are not controlled or endorsed by SGI CANADA. SGI CANADA may collect and use information that is posted on our YouTube pages that is publically available. See YouTube's privacy policy and terms of service.