Parachute Website Terms of Use and Website Privacy

Please read this Website Terms of Use and Privacy Policy ("Website Policy") before using the ParachuteInsurance.ca website (this "Website"). By browsing or otherwise using the website, you are consenting to the terms of this Website Policy, including the collection, use and disclosure of your personal information as described below.

The ParachuteInsurance.ca website is owned and operated by Digital Porte Inc. ("Digital Porte") to offer and provide services in respect of optional portable life and health insurance products issued by licensed Canadian insurers (the "Insurers") to individuals in Canada. For the purposes of this Website Policy, unless otherwise specified, "us" or "we" means Digital Porte.

We may update this Website Policy from time to time and you are responsible for periodically reviewing the most current version posted on ParachuteInsurance.ca. Your continued use of this Website following the posting of a revised Website Policy on ParachuteInsurance.ca constitutes acceptance of the updated Website Policy.

Website Terms of Use

Intellectual Property

This Website, including all content, design, marks, texts, pictures, graphics and layout, is the property of Digital Porte or its service providers and is subject to copyright, trademark and other protective legislation. No intellectual property rights in respect of this Website are granted or extended as a result of making the Website available. The content on the ParachuteInsurance.ca website may not be reproduced, republished, used or modified without Digital Porte’s express written consent.

Caution

We use every reasonable effort to ensure that the information posted on this Website is accurate when posted. However, we cannot guarantee that the information will be accurate and complete at all times. The content on this Website is not intended to provide financial, legal, medical, accounting or tax advice. You should obtain such advice from an appropriate professional. To the maximum extent permitted by the applicable law, we shall not be responsible for the completeness, correctness, relevance or technical accuracy of any information contained herein, and users agree to bear all risks associated with their use of the Website.

Likewise, the Website is provided "as is" and "as available" without any representation, warranty or condition of any kind.

To the maximum extent permitted by the applicable law, we shall not be liable for any loss or damage arising, directly or indirectly, from computer viruses, malicious software or code, or otherwise when users visit this Website and the use of this Website is at your own risk.

We reserve the right, without the need to give prior notice, to modify, remove or supplement information and components on this Website, and we do not warrant that defects, inaccuracies or errors on the Website will be identified or remedied.

Availability

We make commercially reasonable efforts to ensure the Website is available. However, all or part of the Website may be periodically unavailable, and we may, in our sole discretion, restrict, suspend or cancel access to or use of the Website for all or any one or number of users. In addition, we may shut the Website down permanently or temporarily without notice for any reason, including performing maintenance and updates. We may terminate your access to the Website if, in our opinion, you have violated these terms of use.

Your obligations

You agree that you will not interfere with the functioning of the Website or bypass any security measures used to restrict access to the Website.

You agree to indemnify us, the Insurers, our service providers and our and their representatives against all liabilities, losses, damages, suits, claims, demands, costs (including court costs and legal fees), fines and actions relating to your use of this Website, your breach, violation or non-performance of any term or condition of this Website Policy, and your violation of any third party’s rights relating to this Website.

Registered accounts

Some pages on the Website are available only to individuals with registered accounts and log-on credentials. You are responsible for the confidentiality of your log-on credentials and account information, and for all actions taken on the Website while logged on with your credentials. We reserve the right to suspend or cancel website accounts and log-on credentials at any time, for any, or no, reason and without notice. If you suspect that your log-on credentials have been compromised, please notify us immediately using the support contact information provided on the relevant account log-on page.

Insurance products

If you submit an application for insurance through this Website the insurance is not effective until you are advised that your application has been approved and a policy has been issued. All insurance products and services are subject to the terms and conditions of the applicable policies.

Minimum age

This Website may not be used by persons under the age of majority in their province or territory of residence.

Links to third-party sites

Clicking on certain hyperlinks on the Website allows you to leave the ParachuteInsurance.ca site. The linked sites are not under our control or influence and we are not responsible for the content and design of or for any changes made to the linked sites. We shall not be liable for, nor do we endorse, any content or links on a linked site.

Laws of Ontario

The laws of the Province of Ontario and the federal laws applicable in Ontario shall govern your use of this Website and any dispute regarding this Website Policy. You agree to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding related to your use of this Website.

Website Privacy

Digital Porte’s Privacy Policy describes how Digital Porte collects, uses and discloses personal information. Click here for the full Digital Porte Privacy Policy.

The privacy policies of each of the Insurers describe their personal information practices. You may review those privacy policies at:

[Carrier name] at: [Link]
[Carrier name] at: [Link]

Collection and Use of Personal Information on this Website

We collect, use and, in some instances, disclose the personal information collected on this Website for the purpose of offering, arranging for the issuance of, and administering, Parachute Insurance products and related services and for other insurance purposes such as but not limited to, preventing and deterring fraud (collectively the “Insurance Purposes”). When necessary, we may collect, verify or exchange information with independent sources and/or organizations, including the Insurers and third party insurers.

Sharing and Disclosure of personal information collected on this Website

When you use the Website to inquire about or apply for insurance products or services, your information will be shared with the Insurers. When you use the Website to view, inquire about or apply for insurance products or services, your information may be shared with our third party service providers. As such, personal information collected through the Website may be accessible to and stored by our service providers, including for example, service providers who design, maintain or host the Website or application portal. We require all such service providers to keep personal information confidential and secure and to have privacy policies and security standards with respect to personal information that are comparable to our own. In exceptional circumstances, we may be permitted or required by law to disclose personal information to third parties without your knowledge or consent.

Cookies

When you visit ParachuteInsurance.ca, cookies are used to collect technical information about the page and services that you use, and how you use them. This may include device-specific information, your navigation throughout the site, and other technical and browsing preferences including your location and entry point to site. Additional personal information may be collected when you choose to submit an application or other inquiry that includes personal information.

Cookies help provide functionality to the Website and help analyze Website usage more accurately. Technical information collected through the Website is used to analyze and report on Website traffic, marketing and usage trends, for security purposes, to tailor the right products and services to your needs and profile, and to improve online content and services.

In addition, we use third party analytics tools to analyze Website traffic and improve the site, based on information collected by cookies. We may also use this data to personalize your experience on the Website.

We, directly or through third party companies, use cookies and other similar technologies to make your experience better by delivering tailored advertisements that are relevant to you and your interests on our website and third-party websites.

You may opt-out of the collection of information by website cookies by adjusting your internet browser settings to block or erase cookies from your computer. Some content or functionality of the Website may be affected by adjusting your browser cookie settings, or you may be required to input additional personal information in order to process any inquiry or application.

Security

We have adopted security measures to protect the personal information provided through this Website. Although we take every effort to ensure that no one else will see or obtain your personal information, complete confidentiality and security is not possible over the Internet. We shall not be liable for any damages you may suffer as a result of the transmission of personal information over the Internet.

Unlawful information

We may disclose personal information obtained through this Website in order to cooperate with law enforcement officials investigating unlawful activities or to report unlawful activities on this Website.

Questions and concerns

We will investigate and respond to questions or concerns about any aspect of our handling of personal information. Please contact info@parachuteinsurance.ca with any questions or concerns you may have about our privacy practices.

Complaints

If you have a complaint about our service, please contact us with the details. You may reach us either by email at info@digitalporte.ca or by mail: 

Digital Porte Inc. 
Attn. of Aleksandra Plouffe
390 Bay Street
Suite 2400
Toronto, ON
M5N 2Y2

Most recent update: October 9, 2019

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