Terms and Conditions

By accessing and browsing this website you accept and agree to be bound by and comply with, without limitation or qualification, the terms and conditions set out below. Please read these terms and conditions before using this website. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site. These terms and conditions may be changed from time to time without notice. Therefore be sure to review these terms and conditions regularly.

In these terms and conditions, any reference to "we," "us," or "our" refers to TW Insurance Brokers Inc. (“TW”).

The services described in this website are available only to those who are Canadian residents, who have reached the age of majority in their province or territory of residence, and/or who possess the legal authority to create a binding legal obligation.

All information on this website, including quotations and information relating to premiums, is subject to change without notice. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this website. We assume no liability or responsibility for any errors or omissions on this website.

We are committed to making all contact straightforward and relevant. From time to time, we would like to let clients know about new or enhanced products and services. In addition, we may communicate promotions that may be of interest to you; however, we will not contact you unless you provide consent.

To obtain the most accurate rate and to maximize your eligibility for discounts, it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be false, an insurance policy may be voided.

Content of this website is the copyright of TW Insurance Brokers Inc. and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of TW which may be arbitrarily withheld.

Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to TW.

We know that the internet is not entirely secure and the confidentiality of certain information cannot be guaranteed. This website has security measures in place to protect the loss, misuse and alteration of the information under our control. Any unencrypted email communication over the Internet is, as with communication via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted email. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk. For more information, please read our Privacy Policy carefully.

TW uses third-party analytics code to help us better evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our website in an effort to provide you with an enhanced customer experience.

Neither TW nor any of their third-party administrators and agents, employees, directors, officers, trustees and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing or delivering this website, shall be liable for any loss, harm or damage, including, without limitation, any direct, indirect, special, third-party or consequential damages, however caused, to any person as a consequence of, or arising out of, your access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your own risk.

If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions.

You agree that the laws of the province of Ontario govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of the province of Ontario shall have exclusive jurisdiction over all such claims.

Your Questions

If you have any questions or concerns regarding these terms and conditions, please contact us at:

TW Insurance Brokers Inc.
PO Box 218
Waterloo ON  N2J 3Z9