De généreuses prestations, un service sans pareil

Exonération de responsabilité

Disclaimer / Conditions of Use

Conditions of Use
Read this notice before using this site. By accessing and browsing this site the user accepts, unconditionally and without limitation, these conditions of use.

In these conditions, any reference to “we”, “us”, or “our” refers to Travel Healthcare Insurance Solutions Inc., “StudentGuard™ Health Insurance” and GlobalGuard™.

We may change, modify, add or remove portions of this notice at any time. We will notify users of any changes to these conditions of use by posting notice of such changes on this site. The continued use of this site following notice of such change means that the user agrees to and accepts the amended conditions. A user must immediately stop accessing and browsing this site, if he or she does not agree to any of these conditions of use, or any amendments to them.

Product and Website Availability
The products described in this site are available and intended only for distribution in the provinces and territories of Canada and only where they may lawfully be sold. The use of our site is restricted to persons currently resident in those areas.

Information Accuracy
All information on this site is subject to change without notice. We make no warranties or representations as to the accuracy or timeliness of the material provided. We assume no liability or responsibility for any errors or omissions on this site. Further, this site provides access to resources and other information as a service to our clients and potential clients. The inclusion of this information shall not, in any manner, be construed as an endorsement of any person’s products or services.

Ownership of Intellectual Property and Trademarks
The contents of this site are the copyright of Travel Healthcare Insurance Solutions Inc. and are protected under the laws of Canada and other countries. In addition, certain information may be copyrighted by others. This site also contains many of the valuable trademarks, names, copyrights and other proprietary material owned and used by Travel Healthcare Insurance Solutions Inc. including StudentGuard™ and GlobalGuard™ (the "Trademarks").

The information on this site may not be reproduced, or distributed in whole or in part without our prior written consent. Any unauthorized use of the Trademarks is strictly prohibited. All rights reserved.

The Insurance Provider
The insurance products described on this site are underwritten and provided by ACE INA Life Insurance. We act as agent on behalf of ACE INA Life Insurance in the distribution of these products. We also act on behalf of ACE INA Life Insurance in providing claims assistance and processing services.

What We Earn
What we earn from the ACE INA Life Insurance is part of the premium that is paid. We earn a percentage of premium when a new policy is sold or certificate of insurance placed or an existing policy or certificate is renewed. Based on the financial performance of the policies and certificates that we have sold, we also earn additional compensation, which is not guaranteed. That compensation is calculated as a percentage of the profit (if any) which is generated over time by all of the StudentGuard™ Health Insurance we have sold.

Links
We have not reviewed any or all of the sites that may be linked to this site. We are not responsible for any sites linked from or to this site. Linking to any sites from this site is at the user’s own risk. By linking to a site or permitting a link to this site, we do not endorse the site operator or the content of the linked site.

Disclaimer
NEITHER TRAVEL HEALTHCARE INSURANCE SOLUTIONS INC., STUDENTGUARD™ ITS EMPLOYEES, DIRECTORS, OFFICERS AND AFFILIATED COMPANIES AND ACE INA LIFE INSURANCE, NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE, SHALL BE LIABLE FOR ANY LOSS, HARM OR DAMAGE, INCLUDING WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, TO ANY PERSON AS A CONSEQUENCE OF, OR ARISING OUT OF, ACCESS TO, OR USE OF, THIS SITE OR ANY MATERIAL FROM THIS SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES. USE OF THIS SITE, AND ANY SITES LINKING TO OR FROM THIS SITE, IS ENTIRELY AT THE USER’S RISK.
TRAVEL HEALTHCARE INSURANCE SOLUTIONS INC., STUDENTGUARD™ ITS EMPLOYEES, DIRECTORS, OFFICERS AND AFFILIATED COMPANIES ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY DAMAGE DUE TO ACCESS TO, USE OF, OR DOWNLOADING OF THIS SITE OR ANY MATERIALS PROVIDED ON THIS SITE.

Applicable Law
The laws of the Province of Ontario, Canada govern any use of this site and any issues that may arise with regard to this site, without regard to rules relating to conflict of laws. The courts of the Province of Ontario shall have exclusive jurisdiction over all such matters.