Policies & Agreements

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE ACCESSING AND/OR USING THIS SERVICE. YOUR ACCESS TO AND/OR USE OF THIS SERVICE CONFIRMS YOUR UNCONDITIONAL ACCEPTANCE OF THE FOLLOWING TERMS OF SERVICE AND ANY OTHER ADDITIONAL TERMS. IF YOU DO NOT ACCEPT THESE TERMS OF SERVICE, PLEASE DO NOT USE OUR SERVICES.

PURE Insurance is the business name used to refer to Privilege Underwriters Reciprocal Exchange, Canadian Branch (“PURE”), a Florida domiciled reciprocal insurer authorized to insurance in Canada risks by an Order of the Superintendent of Financial Institutions (Canada). PURE Risk Management, LLC (PRM), a for-profit entity serves as PURE’s attorney-in-fact for a fee. PRM is a subsidiary of Privilege Underwriters, Inc., a member of the Tokio Marine Group of Companies. This material is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. PURE membership requires an executed Subscriber’s Agreement & Power of Attorney. Allocations to Subscriber Savings Accounts are subject to the terms of this agreement and approval by the Florida Office of Insurance Regulation, additional approvals may be required. Trademarks are property of PRM and used with permission. ©2022 PRM. All Rights Reserved. 120 Adelaide Street West, Suite 2118, Toronto, Ontario M5H 1T1

Privacy

You acknowledge that you; (i) have read PURE’s privacy policy and (ii) agree to the use of your information in accordance with PURE’s then current privacy policy (“Privacy Policy”). To the extent there is an inconsistency between these terms and conditions of service (“TOS”) and the Privacy Policy, these TOS shall govern.

Agreement

These TOS are a legal agreement between you (“you”, “your” or “user”) and PURE and its affiliates (collectively “PURE”, “we”, “our” or “us”). Your access to, purchase, acknowledgement, click-through or use of all products, content, offers, pages, programs, attachments, features, software and services, together with any new features that augment or enhance any of the foregoing, which you may have access to as part of, or through your use of, PURE’s then-current network of properties which may be accessed through various mediums or devices now known or hereafter developed (referred to individually and collectively starting with and including the word “products” as the “Service(s)”) is subject to these TOS. You also understand and agree that the Service(s): (i) may also include certain communications from PURE, such as service announcements, administrative messages, merchant, product, and offer updates; (ii) may also include advertisements; and (iii) are provided "AS-IS". You are responsible for obtaining access to the Service(s) and that access may involve third party fees (such as Internet service provider or airtime charges).

Your agreement with PURE will always include, at a minimum, the terms and conditions set out in these TOS. Your agreement with PURE will also include the terms and conditions of any specific terms, agreement(s) or legal notices (collectively, “Additional Terms”) applicable to the Service(s), in addition to these TOS. The Additional Terms are incorporated and made a part of these TOS by this reference. Where Additional Terms apply to a Service, these will be accessible for you to read either within, or through your use of, that Service and may require a manual click through to accept such Additional Terms. Except as otherwise provided in these TOS, all capitalized terms defined in the Additional Terms shall have the meanings ascribed to such terms therein. To the extent there is an inconsistency between these TOS and any Additional Terms, the Additional Terms shall govern.

These TOS, together with the Additional Terms, forms a legally binding agreement between you and PURE in relation to your use of the Service(s). It is important that you take the time to read them carefully.

Acceptance:

In order to use the Service(s), you must first agree to the terms of these TOS. You may not access nor use any of the Services if you do not accept the terms and conditions herein. You understand and agree that by actually using or accessing the Services, you accept the terms and conditions of these TOS (including the Privacy Policy, which is incorporated herein and made a part of these TOS by this reference) and are bound thereby and that PURE will treat your access to and/or use of the Services as acceptance of the terms and conditions of these TOS from that time forward. You may not access nor use the Services and may not accept the terms and conditions of these TOS if (a) you are not of legal age to form a binding contract with PURE, or (b) you are a person barred from receiving the Services under the laws of Canada or other countries including the country in which you are resident or from which you use the Services. If you do not agree to abide by these or any future TOS, do not use or access (or continue to use or access) the Services. It is your responsibility to regularly check to determine if there have been changes to these TOS and to review such changes.

Coverages & Services

This website is descriptive only. The precise products, services and coverage offered is subject to the terms and conditions of the policies as issued. The insurance policy, not the general descriptions in this website, will form the contract between the insured and PURE. Coverage may not be available in all jurisdictions.

Your Registration Obligations

You agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service's registration form and (b) maintain and promptly update your registration data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or PURE has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, PURE has the right to suspend or terminate your account and refuse any and all current or future use of the Service(s) (or any portion thereof). Notwithstanding anything else, PURE reserves the right to remove any account for no reason, at any time, without notice and without liability. You agree that PURE will not be held liable for any information or content lost. Termination of your PURE account includes (a) removal of access to certain offerings within the Service(s), including but not limited to your PURE Profile, (b) deletion of your password and (c) barring further use of certain of the Service(s).

Member Account; Password Security

If you receive a password and/or account designation upon completing registration for any Service, you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services, and are fully responsible for all activities that occur under your password or account. You agree not to use the account, username, account or password of another user or person at any time or to disclose your password to any third party. You further agree to (i) immediately notify PURE of any unauthorized use of your password or account or any other breach of security, and (ii) ensure that you exit from your account at the end of each session. You acknowledge and agree that PURE shall not be liable for any loss or damage arising from your failure to comply with this Section.

License from PURE

PURE grants you a limited license to access and make personal use of its Services and not to download (other than page caching) or modify them, or any portion(s) thereof, except with express written consent of PURE. This license does not include any resale or commercial use of the Services; any collection and use of any product listings, descriptions, or prices; any derivative use of the Services; any downloading or copying of account information for the benefit of another; or any use of data mining, robots, or similar data gathering and extraction tools. The Services, including any portion(s) thereof, may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of PURE. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of PURE and our affiliates without express written consent. You may not use any meta tags or any other "hidden text" utilizing PURE's name or trademarks and any term or phrase or logo that may infringe or have the likelihood of being considered confusingly similar thereto without the express written consent of PURE. Any unauthorized use terminates the permission or license granted by PURE. You are granted a limited, revocable, and nonexclusive license to create a hyperlink to the home page of PURE.com so long as the link does not portray PURE, its advertisers, merchants or partners or any of its/their respective affiliates, or the Services in a false, misleading, derogatory, or otherwise offensive matter. Any permitted links to this Service must comply with all applicable laws, rule and regulations. Unauthorized framing of or linking to PURE properties may be investigated, and we reserve the right to take any appropriate legal action, including without limitation, civil, criminal, and injunctive redress. You may not use any PURE logo or other proprietary graphic or trademark as part of the link without our prior permission. Notwithstanding anything else, PURE reserves the right to remove its license to you to create a hyperlink to the Services for no reason, at any time, without notice and without liability. Unless explicitly stated herein, nothing in these TOS shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable at any time without notice and with or without cause without any liability whatsoever to the PURE Parties. All rights and licenses not explicitly set forth in these TOS are reserved.

Proprietary rights

You understand, acknowledge and agree that: (i) PURE (or PURE’s affiliates and licensors) own all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights happen to be registered or not, and wherever in the world those rights may exist); (ii) the Services may contain information which is designated confidential or proprietary by PURE and that you shall not disclose, use or in any way provide such information without PURE’s prior written consent; (iii) all trademarks, domain names, and other distinctive brand features appearing on the Services are the property of their respective owners and these TOS do not grant the user any rights or interest therein; and (iv) you shall not remove, obscure, or alter any proprietary rights notices (including copyright, trademark or other proprietary notices) which may be affixed to or contained within the Services.

You agree to not use the Service(s) to:
a. upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or otherwise objectionable;
b. harm minors in any way;
c. impersonate any person or entity, including, but not limited to, a PURE official, forum leader, guide, or falsely state or otherwise misrepresent your affiliation with a person or entity;
d. forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Service;
e. upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
f. upload, post, email, transmit or otherwise make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
g. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
h. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
i. interfere with or disrupt the Service(s) or servers or networks connected to the Service(s), or disobey any requirements, procedures, policies or regulations of networks connected to the Service(s);
j. intentionally or unintentionally violate any applicable local, provincial, national or international law;
k. provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any entity on the list of terrorist groups established by the Government of Canada under section 83.05 of the Criminal Code;
l. "stalk" or otherwise harass or criminally harass another; or
m. collect or store personal data about other users.

You acknowledge that PURE may or may not pre-screen content, but that PURE and its designees shall have the right (but not the obligation) in its/their sole discretion to pre-screen, refuse, or move any content that is available via the Service(s). Without limiting the foregoing, PURE and its designees shall have the right to remove any content that violates the TOS, is otherwise objectionable to PURE in its sole discretion or for no reason, at any time, without notice and without any liability whatsoever. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content. In this regard, you acknowledge that you may not rely on any content created by PURE or submitted to PURE, including without limitation information in all parts of the Service(s).

You acknowledge, consent and agree that PURE may access, preserve, and disclose your account information and content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any content violates the rights of third-parties or other claims of abuse; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of PURE, its advertisers, merchants or partners or any of its/their respective affiliates, its users and/or the public.

You understand that the technical processing and transmission of the Service(s), including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You understand that the Service(s) and software embodied within the Service(s) may include filtering and security components that permit digital materials to be monitored and protected, and use of these materials is subject to usage rules set by PURE and/or content providers who provide content to the Service(s). You may not attempt to override or circumvent any of the usage rules embedded into the Service(s). Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.

Provision of the Services

PURE has relationships with third parties (“Third Party Providers”). Occasionally, these Third Party Providers may provide the Service(s) to you on behalf of PURE. You understand, acknowledge and agree that: (i) Third Party Providers shall be entitled to provide the Service(s) to you; (ii) PURE may change the form and nature of the Service(s) from time to time without prior notice to you; or stop (permanently or temporarily) providing the Service(s) (or any portion(s) thereof) to you at PURE’s sole discretion, without prior notice to you at any time without any liability whatsoever; (iii) you may stop using the Services at any time; (iv) you do not need to specifically inform PURE when you stop using the Services.

The inclusion of any products or services on or through the Services at a particular time does not imply or warrant that these products or services will be available at any time. It is your responsibility to ascertain and obey all applicable local, provincial, federal and international laws (including minimum age requirements) in regard to the possession, use and sale of any item purchased from the Services. By placing an order, you represent that the products ordered will be used only in a lawful manner.

Accuracy

Products and services included in the Services may be unavailable, may have different attributes than those listed, or may actually carry a different price, payout(s) and/or terms than that stated in the Services. In addition, we may make changes in information about price, Payouts and/or terms and availability at any time and for any reason with or without notice without any liability whatsoever.

Modification or Termination of TOS

PURE reserves the right to modify and/or terminate these TOS with or without notice, at any time and for any reason with no liability whatsoever. When modifications are made, PURE may make a new copy of these TOS available. You understand and agree that if you access or use the Service(s) after the date on which the TOS has been modified, PURE will treat your use as acceptance of the updated TOS.

Third Party Links

By using the Services, you understand, acknowledge and agree that:

(i) fulfillment of products and services described in the website and/or through the Services may be handled by third parties not under the control of PURE; (a) such third party is solely responsible for all such products and services; (b) PURE is not responsible or liable for any damages, loss, delays, errors, liabilities, or inconveniences that occur as a result of or are related to any dealing or purchase or alleged dealing or purchase between you and such third party(ies); (c) any dealings with such third parties, including payment and delivery of products and services, and any other terms, conditions, warranties or representations associated with such dealings or alleged dealings are solely between you and such third party(ies); and (d) PURE is not responsible or liable for any claims arising out of such dealings or that you may have against such third parties. Notwithstanding, you acknowledge that PURE is not responsible or liable for any action or inaction of any party to a transaction, for any failure to perform, to pay any amounts due, or to deliver any merchandise or services as promised, or for any other aspect of the transaction. ALL USE OF THE SERVICES IS PROVIDED "AS IS" AND AT YOUR OWN RISK.

(ii) Without limiting any of the foregoing, the Services may provide hyperlinks to and/or descriptions of third party owned and operated web sites and/or destination pages which are not under the control of PURE (“Third Party Links”); (a) PURE is not responsible for the availability or content of these Third Party Links; (b) PURE does not endorse these Third Party Links and will not be liable for the products, services, advertisements, offers, contests, content, resources or materials on or available from these Third Party Links; (c) You shall comply with any terms of use, policies or guidelines depicted on these Third Party Links; (d) PURE will not be responsible or liable, directly or indirectly, for any damages or loss caused or alleged to be caused by or in connection with your access to, use of or reliance on any such Third Party Links, or as a result of any reliance placed by you on the completeness, accuracy, existence or fulfillment of any advertising, products, services, offers, contests, sweepstakes, copyright compliance, legality or decency of material or other materials on, or available from, such Third Party Links.

This Section survives termination of these TOS.

Copyright

Copyright © 2023 Privilege Underwriters Reciprocal Exchange. All Rights Reserved. All content included on this site, including all text, graphics, video, logos, and software, is the property of the company and is protected to the full extent of Canadian and international copyright laws. All software, content, and the compilation of the components of this site are the property of the company and are protected by all applicable Canadian and international copyright laws. The site and its content may only be used as permitted by the company on the site; all other uses, including reproduction, modification, distribution, transmission, republication, display or performance of the content on this site is strictly prohibited.

We respect the intellectual property rights of others and we prohibit users from uploading, posting or otherwise transmitting on the Service any materials that violate another party's intellectual property rights. If you believe that any material on the Service infringes upon any copyright which you own or control, you may send a written notification of such infringement to PURE.

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide the company's agent (listed below) the following information, in writing: 1) an electronic or physical signature of the person authorized to act on behalf of the owner of the exclusive right which is allegedly being infringed upon; 2) identification of the copyrighted work that is alleged to have been infringed upon or, if more than one, a representative list; 3) identification of the material which needs to be removed or altered and a sufficiently detailed description of the location of the protected material on the site (e.g., URL); 4) a sufficient means for the company to contact you, such as your address, telephone number, and e-mail address (if available); 5) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law and that you have authority to make such a statement; 6) a statement by you that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright's owner's behalf.
The company's copyright agent for notice of claims of copyright infringement is:

Kirk Raslowsky, [email protected], 914.992.0012

Disclaimers

The information and suggestions in this website are presented as a guide. No results are guaranteed and no liability is assumed as to the information or safety suggestions presented. No assumption can be made that every acceptable safety procedure is stated. Abnormal, unusual or particular circumstances may require different or additional procedures.

PURE is not responsible or liable in any manner for any content posted on or in connection with the Services, whether posted or caused by users of the Services, by PURE, by third parties or by any of the equipment or programming associated with or utilized in the Services. PURE is not responsible for the conduct, whether online or offline, of any user of the Services.

Under no circumstances will PURE be responsible for any loss or damage resulting from anyone's use of the Service or any content posted on or through the Service or transmitted to users, or any interactions between users of the Service, whether online or offline.

This Section survives termination of these TOS.

EXCLUSION OF WARRANTIES

YOUR ACCESS TO AND USE OF THE SERVICES IS AT YOUR OWN RISK. WHEN ACCESSING OR USING THE SERVICES, CONTENT WILL BE TRANSMITTED OVER A MEDIUM THAT MAY BE BEYOND THE CONTROL AND JURISDICTION OF THE PURE PARTIES. ACCORDINGLY, THE PURE PARTIES ASSUME NO LIABILITY FOR OR RELATING TO THE DELAY, FAILURE, INTERRUPTION, OR CORRUPTION OF ANY CONTENT TRANSMITTED IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SERVICES. THE SERVICES ARE PROVIDED ON AN "AS IS" BASIS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE PURE PARTIES OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TOS.

PURE, ITS LICENSORS, THIRD PARTY SERVICE PROVIDERS, MERCHANTS, ADVERTISERS, RETAILERS, PARTNERS, SUPPLIERS AND EACH OF ITS/THEIR RESPECTIVE AFFILIATES, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES (INDIVIDUALLY AND COLLECTIVELY STARTING WITH AND INCLUDING THE TERM “PURE” ABOVE, “PURE PARTIES”), TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, THE PURE PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE FOLLOWING: (I) THE ACCURACY, RELIABILITY, COMPLETENESS, CURRENTNESS, OR TIMELINESS OF THE SERVICES, LINKS, THIRD PARTY LINKS, PRODUCTS, SERVICES, CONTENT OR COMMUNICATIONS PROVIDED ON OR THROUGH THE SERVICES (AND THE PURE PARTIES MAKE NO COMMITMENT NOR ASSUME ANY DUTY TO UPDATE SUCH SERVICES OR ANY SUCH LINKS, PRODUCTS, SERVICES, CONTENT OR COMMUNICATIONS); (II) YOUR ACCESS TO OR USE OF THE SERVICES WILL MEET YOUR REQUIREMENTS; AND (IV) ANY CONTENT OBTAINED BY YOU AS A RESULT OF YOUR ACCESS TO OR USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE.

THIS SECTION SURVIVES TERMINATION OF THESE TOS.

LIMITATION OF LIABILITY

IN NO EVENT SHALL THE PURE PARTIES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL CONSEQUENTIAL OR EXEMPLARY OR PUNITIVE DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY FOR USE OF THE WEBSITE OR THE SERVICES. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO: (A) ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA, INFORMATION OR CONTENT SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS OR SERVICES, OR OTHER INTANGIBLE LOSS; (B) ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF: (I) THE USE OF OR INABILITY TO USE THE SERVICES; (II) PERSONAL INJURY, INCLUDING DEATH OR SICKNESS CAUSED BY YOUR ACCESS TO, USE OR MISUSE OF THE SERVICES; (III) ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY LINK, THIRD PARTY LINK, ADVERTISING, SPONSORSHIP, OFFER OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER, MANUFACTURER, RETAILER, MERCHANT, PARTNER, LICENSOR, DISTRIBUTOR, FULFILLMENT CENTER, SUPPLIER, SPONSOR OR ANY OTHER THIRD PARTY WHOSE SERVICE, PRODUCT, ADVERTISING OR SPONSORSHIP APPEARS ON OR THROUGH THE SERVICES; (IV) ANY CHANGES WHICH PURE MAY MAKE TO THE SERVICES, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES (OR ANY FEATURES WITHIN THE SERVICES); (V) THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT, DATA, INFORMATION AND/OR OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE SERVICES; (VI) YOUR FAILURE TO PROVIDE PURE WITH ACCURATE INFORMATION, OR (VII) YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL.

THE LIMITATIONS ON THE PURE PARTIES’ LIABILITY TO YOU SHALL APPLY WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE PURE PARTIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ANY CLAIMS ARISING IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SERVICES MUST BE BROUGHT WITHIN ONE (1) YEAR OF THE DATE THE EVENT GIVING RISE TO SUCH ACTION OCCURRED. YOUR REMEDIES UNDER THESE TOS ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THESE TOS.

NOTHING IN THESE TOS SHALL EXCLUDE OR LIMIT PURE’S WARRANTY OR LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW. THIS SECTION SURVIVES TERMINATION OF THESE TOS.

Indemnity

By using this Service, you agree to promptly indemnify and hold the PURE Parties harmless from any claim, action, proceeding, investigation, demand, damage, liability, loss, expense, including litigation costs and legal fees, of every kind and nature as incurred, made by any third party due to or arising out of your access to or use of the Services, your connection to the Services, communications or content you submit, post or share, your conduct in connection with the Services or with other users of the Services, or your violation of these TOS, or of any law or the rights of any third party. This indemnity survives termination of these TOS.

Assignment

PURE reserves the right to transfer, assign, sublicense or pledge this or any part of these TOS, the Services or its rights and associated goodwill attached thereto and obligations under these TOS, as necessary, without notice and without your consent. These TOS, the Services and any remaining portions, shall inure to the benefit of PURE and its successors and assigns. You may not assign any portion of these TOS.

Notice

PURE may provide you with notices, including those regarding changes to these TOS, by email, regular mail, or postings on the Services.

Waiver

If PURE does not exercise or enforce any legal right or remedy which is contained in these TOS (or which PURE has the benefit of under any applicable law), this will not be taken to be a formal waiver of PURE’s rights and that those rights or remedies will still be available to PURE.

Severable

If any part of these TOS is held by a court of competent jurisdiction to be invalid or unenforceable, that part will be enforced to the maximum extent permitted by law, and the remainder of these TOS will remain fully in force.

Choice of Law and Location for Resolving Disputes

Notwithstanding anything else, these TOS and your relationship with PURE hereunder, shall be governed by the laws of the Province of Ontario without regard to its conflict of laws provisions. You and PURE agree to submit to the exclusive jurisdiction of the courts located within the Province of Ontario to resolve any legal matter arising from these TOS. Notwithstanding this, you agree that the PURE Parties shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction. You understand, acknowledge and agree that a printed version of these TOS will be admissible in judicial and administrative proceedings based upon or relating to these TOS to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Survival

The terms and conditions providing for any activity following the termination or expiration of these TOS, any warranties, disclaimers, remedies and any indemnification obligations, and any other provision which, by its terms is intended to survive the termination of these TOS, shall survive the termination or expiration of these TOS.

Entire Agreement

These TOS contain, and are intended as, a complete statement of the arrangements between you and PURE with respect to its subject matter and supersedes all prior agreements, whether written or oral, between you and PURE, with respect to those matters. Any user of Services may be subject to additional terms and services that may apply through the use of affiliate services or third-party sites.

Additional Assistance

If you do not understand any of the foregoing terms and conditions or if you have any questions or comments, we invite you to visit our Contact Us page for a directory of departments and personnel, or contact our Member Services department at 888.936.7873.

Last Modified: April 30, 2024

This Privacy Policy applies to the personal information (“personal information”) that Privilege Underwriters Reciprocal Exchange, Canadian Branch (“PURE”, “we” or “our”) collects, uses or discloses in the course of our insurance business, including information collected about you (a) on our website, (b) offline or when you contact us via email or through our service and claims centers, and (c) from third parties.

Personal information means information about an identifiable individual. Personal information includes information that does not directly identify you by name or include your contact information, but which may be used to identify a specific computer or device that has accessed our website and which, if combined with certain other information, could be used to identify you. Personal information does not include the name, title, business address or telephone number of an employee of an organization where that information is used to communicate with the employee about their employment.

This Privacy Policy does not apply to information about our employees or to information that is not personal information.

We may update this Privacy Policy from time to time. The most current version will be posted on our website at www.pureinsurance.ca. You should periodically check our website for any changes to the Privacy Policy. By using our website or sending us any personal information after the effective date indicated, you will be deemed to be bound by the Privacy Policy in effect as of the date of such use.

Collection of Personal Information

We collect, use and disclose your personal information for insurance purposes, including:

• to review applications for insurance submitted to us for underwriting consideration;
• to verify information provided to us;
• to assess and underwrite risks;
• to rate, bind, issue and administer insurance policies;
• to investigate, adjust, process and pay insurance claims;
• to communicate with you or your broker;
• to analyze business results and compile statistics;
• to meet legal and regulatory requirements, including responding to court orders and legal investigations;
• to prevent and detect fraud or illegal activities;
• to offer products and services to you; and
• as may be required or permitted by law.

We may also collect personal information about third parties with respect to claims made against our members.

Types of personal information collected by PURE

PURE collects only the information necessary to underwrite insurance policies, adjust claims, perform the other functions necessary to provide you with the products and services we offer and improve our website, products and services. The type of personal information we collect depends on the product or service you have with us. This information could include:

• information that identifies you, including your full name; date of birth; work and home email address and physical address; work, mobile and home telephone numbers; user name; driver’s license number; and any other personal information you may provide when contacting us or submitting an inquiry;
• vehicle information, motor vehicle and claims history; vehicle operators’ information; mortgages and lien or lease holder information;
• credit card information;
• credit reporting information such as credit scores, where permitted by applicable law;
• your occupation;
• whether you own or rent your residence; information about your property; and our products or services you have purchased, obtained or considered; and
• Internet or other electronic network activity information: Internet Protocol (IP) address and cookie data (including third-party cookies and related data).

How PURE collects personal information

Most of the personal information we collect is provided to us by our members or their insurance brokers. If an insurance broker tells us that it has a person’s consent to collect and disclose their personal information, we will rely on that statement. We obtain personal information from applications or as otherwise submitted to us by an applicant, an insured, or their insurance broker or authorized representatives.

We collect personal information from you, for example, when you:

• apply for insurance, file a claim or contact us for information or with questions;
• send us emails or other correspondence;
• communicate with us by telephone (we may record or monitor the call); or
• visit or interact with our website and online services (such as our member portal).

We may also obtain personal information from other sources such as consumer reporting agencies; other institutions or information services providers; employers; other insurers or insurance industry sources and databases; and insurance adjusters and private investigators in connection with claims.

How PURE uses personal information

We use your personal information for the following purposes:

• if you apply for insurance or file a claim with us, we use your personal information to determine coverage, issue and administer your policy, process payment, adjudicate claims, and contact you regarding your policy and claims.
• if you use our member portal or your broker logged on to PURE online, we use your personal information (including username and password) as necessary to register, maintain and secure your account (including to identify you at sign-in and prohibit others from accessing your account) and communicate with you.
• if you e-mail us or otherwise submit an inquiry or request, we use your personal information as necessary to respond to you and provide you with the information requested.
• subject to applicable law, a credit report or other consumer report may be used to develop an insurance score for you. An insurance score uses information from your credit and/or consumer report to help predict how often you are likely to file claims and how expensive those claims will be. Insurance score information may be used to determine whether we will issue insurance to you and how much we will charge for insurance. Items from a credit report that could affect an insurance score include payment history, number of revolving accounts, number of new accounts, and the presence of collection accounts, bankruptcies and foreclosures. We will use information provided by TransUnion or an equivalent third-party vendor in connection with the development of your insurance score. You can check your credit report and credit score through TransUnion at https://www.transunion.ca/assistance/credit-report-disputes. If you believe that your credit information has resulted in adverse action by us, and your credit information has been adversely impacted by an extraordinary life event such as an identity theft or a catastrophic event, you may write to us describing the extraordinary event and providing supporting documentation verifying how your credit history was adversely affected and request that we review our decision to use your credit information. We will then review our decision and advise you as to whether we will grant an exception such that we do not use your credit history in determining whether to issue insurance to you and how much we will charge you for insurance.
• for any other purpose for which you provide consent.

How PURE shares personal information

We may share your personal information with:

• our affiliates, reinsurers, other insurers and your insurance broker;
• third parties to detect and prevent fraud or illegal activities;
• parties to whom you have provided consent to us sharing your personal information;
• the transferee of our business, if we reorganize or transfer our business; and
• parties with whom we are legally permitted to share such information.

We may exchange personal information with third party service providers who perform services on our behalf. For example, we may use service providers to perform services including investigating, adjusting and processing claims; printing, mail and email distribution; information technology; data storage; administration; and marketing. Our providers are required by contract to keep all personal information confidential and secure and have privacy policies and security standards with respect to personal information that are comparable to ours. Our service providers are only given the information they need to perform their designated functions, and they are not authorized to use or disclose personal information for their own purposes.

Use of personal information for optional marketing purposes

We may use your personal information to offer you additional products and services that we provide. The collection, use and disclosure of your personal information for such marketing purposes is entirely optional and is not required as a condition of doing business with us. You may withdraw your consent to the use of your personal information for optional marketing purposes at any time by contacting us at [email protected].

We do not sell, trade or disclose our customer lists for marketing purposes.

Consent

Personal information is collected, used and disclosed with the consent of the individual to whom the information relates, or as otherwise permitted by law.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. You will be advised of the implications of such withdrawal, which may include the termination of a policy or the inability to process or defend you in a claim.

Protection of personal information

Personal information recorded in paper documents is securely stored in our offices in Canada or in secure off-site storage facilities. Electronically recorded information is stored on computer systems maintained by us, our affiliates and our service providers. Your personal information may be processed and stored in countries other than Canada, and may be accessible to the governments, courts or law enforcement or regulatory agencies of such countries.

We have adopted physical, organizational and technological security safeguards to protect personal information against unauthorized access, loss or theft that are appropriate to the sensitivity of the information. Our computer systems and the information stored in them are protected by electronic security systems. We restrict access to personal information to our employees, reinsurers, administrators and consultants who need to know the information to provide insurance products and related services. Our employees receive training on how to protect personal information and they are required to comply with this Privacy Policy and all applicable privacy laws.

While we strive to protect your personal information to the extent possible, we cannot guarantee or warrant the security of any information you transmit to us or from our website. We also cannot be responsible for criminal acts of third parties, such as hackers, who may seek to compromise our security measures through unlawful means. Therefore we do not promise, and you should not expect, that your personal information provided through our website will always remain private.

Retention of Personal Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with our regulatory obligations and obligations under applicable law. When personal information is no longer necessary, we destroy, erase or anonymize such information. In view of the ongoing exposure to potential claims, where necessary, some of the personal information collected for insurance purposes may be kept indefinitely.

Access to Personal Information

Access to personal information held by PURE

You may request to be informed of the existence, use and disclosure of personal information we hold relating to you. Subject to satisfactory proof of identity, we will provide appropriate access to such information.

In certain situations, we may not be legally permitted to provide access to all personal information we hold relating to you. For example, we cannot provide access to personal information relating to other people or personal information protected by legal privilege. Exceptions to the access requirement will be limited and specific, and we will provide you with the reason for denying access.

Correction of personal information held by PURE

If you ask us to amend or delete information about you and provide evidence that the personal information we hold is incorrect, we will correct, amend or delete the personal information in dispute or notify you of the action we will take along with the reason for our decision. You can submit your request for additional information or your request to amend your information to:

Privacy Officer
[email protected]

If the information you ask us to modify is from another source such as a credit reporting entity, we will not be able to change their information and you will need to work directly with that provider.

We try to ensure and maintain the accuracy of the personal information we collect and use. However, we rely on individuals who provide personal information to us to advise us of any changes to that information.

Cookies and Analytics

Cookies

We use session cookies to ensure that your computer displays our website effectively and to track anonymously the usage of our website. We do this to improve your experience while using the website and directly advertise related products and services. We may also share with or allow third parties to utilize cookies for marketing or advertising customized to your apparent interests or needs. A session cookie is a small data file which is temporarily stored on your computer’s hard disk or website server and does not collect any personal information. You have the ability to accept or decline cookies using your web browser settings. If you choose to not accept cookies from our website, you may not be able to take full advantage of its features or to receive some of the services that it provides. To learn more about cookies and your ability to opt-out of certain advertising cookies, please visit the following websites:
https://youradchoices.ca.

We currently do not have technology that would respond to web browser “Do Not Track” signals.

Analytics Services

We may allow third parties to collect information about the users of our website. Such third parties may collect personal information about your online activities over time and across different websites when you use our website. We do not control these third parties, who may engage in practices that differ from those described in this Privacy Policy.

For example, we use Google Analytics, a web analytics service provided by Google, Inc. (“Google”) to collect information about how you use the website in order to improve the website experience and our services. Google Analytics may set cookies on your browser or mobile device or read cookies that are already there to collect information. Google Analytics may also receive information about you from apps you have downloaded that partner with Google. Google Analytics collects information such as how often you use the website and how you use the website. Google Analytics does not collect or store information that will identify you. Your IP address is anonymized prior to being stored on Google’s servers in order to help safeguard your privacy. For more information on Google Analytics go here - https://www.google.com/policies/privacy/partners. You may block the use of Google Analytics by installing the opt-out tool found here - https://tools.google.com/dlpage/gaoptout. By using the website, you consent to the processing of data about you by Google as described here and in Google's privacy policy.

Children

Our services are not intended for use by children. We do not knowingly collect personal information from children under the age of 16 years. Please contact us if you believe we may have unknowingly collected information about a child under 16 years of age, and we will delete any such personal information.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact our Privacy Officer at:

[email protected]

PURE aims to deliver an exceptional member experience at every touch point. If you are ever unhappy with your experience, whether it is related to our claims handling, products, service, processes, or anything else we want to hear about it. To assist you in reaching a resolution please follow the following steps:

Step 1: Voice your complaint

To share your complaint, you can:

Contact PURE Directly
Contact our Member Services team at: 833.936.7873 or [email protected]

Contact your Broker
As your trusted advisor, your broker can also be a resource to help resolve issues and communicate with PURE on your behalf.

Step 2: Escalate your complaint

Need to escalate the matter? Contact the PURE Complaints Resolution Team

If after speaking with a PURE representative and/or your broker working with their contact at PURE, your complaint is still not resolved to your satisfaction, you can contact the PURE Complaints Resolution Team (PCRT) by emailing: [email protected].

Your letter should set out a summary of your complaint, the reasons you feel your complaint has not been resolved, all relevant supporting documentation, and your desired outcome.

Upon receiving your written complaint, the PCRT will conduct an impartial review of your complaint and contact you if additional information is required. Upon completion of the investigation, the PCRT will send you a written response setting out their decision and the reasons for it. Once the PCRT provides a final decision, your file will be considered closed. To reopen the file, you will be required to provide new information and/or relevant documentation for further consideration.

Step 3: Escalation outside PURE

If you are not satisfied with the decision of the PCRT and would like to have the matter reviewed externally, you can contact the General Insurance OmbudService (GIO), an independent third party that helps resolve disputes between consumers and their home and auto insurers:

General Insurance OmbudService (GIO) – Dispute resolution service

4711 Yonge Street, 10th Floor,
Toronto, ON, M2N 6K8
1-877-225-0446 | www.giocanada.org

If you have a regulatory complaint, you can also contact the

Financial Consumer Agency of Canada (FCAC) - Supervises federally regulated financial institutions to ensure compliance with federal consumer protection laws.

FCAC, 427 Laurier Ave. West
6th Floor, Ottawa, Ontario K1R 1B9
1-866-461-3222 (English) or 1-866-461-2232 (French) | www.fcac-acfc.gc.ca