Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS.

This website is operated by Phil Edney Independent Insurance Broker. By accessing or using this website or by posting a link to this website on any website(s) owned or operated by or on behalf of you, you signify that you have read, understand and agree to be bound by these terms of use (“Terms of Use”). The contents of this site, including but not limited to the text and images herein and their arrangement, are copyright ©2019 by Phil Edney. All Rights Reserved.

You are only authorized to use this website if you agree to abide by all applicable laws and to these Terms of Use. We reserve the right (at our sole discretion) to modify, add, or delete portions of these Terms of Use at any time without further notice. If we do this, we will post the changes to these Terms of Use on this website. Your continued use of this website after any such changes constitutes your acceptance of the revised Terms of Use.

These Terms of Use are supplemented by the website Privacy Statement, which describes how the website collects, uses and discloses personal information.

Access to this Website

We may discontinue or modify any aspect of this website in our sole discretion and without prior notice or liability, including (without limitation) restricting the timing this website is available; and/or restricting or terminating any user’s right to use this website. You agree that any termination or cancellation of your access to, or use of, this website may be effected without prior notice and for any reason. Further, you agree that we shall not be liable to you or any third-party for any termination or cancellation of your access to, or use of, this website.

You acknowledge and agree that your only right with respect to any dissatisfaction with this website, or any policies or practices of Phil Edney in providing this website, including (without limitation) any change in content is to cease using this website.

From time to time, we may supplement these Terms of Use with additional terms and conditions pertaining to specific content, activities or events (“Additional Terms”). You understand and agree that any Additional Terms are incorporated by reference into these Terms of Use.

Phil Edney controls this website from its offices within British Columbia. This website is intended to be accessible in all provinces and territories of Canada, and is also accessible from other countries. Given that the provinces of Canada, as well as other jurisdictions, will have laws that may differ from those of the Province of British Columbia, you agree that all matters relating to access to, or use of, this website, or any other hyperlinked website, shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. You also agree and submit to the non-exclusive jurisdiction and venue of the courts of the Province of British Columbia and acknowledge that you do so voluntarily and are responsible for complying with all local laws.

Trademarks

Phil Edney and its logos are trademarks of Phil Edney. Other trade-marks, product names and company names or logos cited herein are the property of their respective owners.

Content

All content on this website, including (without limitation) designs, text, graphics, pictures, video, information, applications, software, music, sound and other files, and their selection and arrangement (the “Website Content”), are the property of Phil Edney or its licensors with all rights reserved.

No Website Content may be modified, copied, distributed, framed, reproduced, downloaded, displayed, transmitted, or sold in any form or by any means, in whole or in part, without our prior written permission.

Phil Edney hereby authorizes you to copy and display the Website Content, but only for your personal or informational and non-commercial use. However, the Website Content herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must include this copyright notice. Limited quotations from the Website Content are permitted if attribution to Phil Edney is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the Website Content without the prior written permission of Phil Edney. No modifications of the Website Content may be made.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right to any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Phil Edney or of any third party. Any use of this website or the Website Content other than as specifically authorized herein, without the prior written permission of Phil Edney, is strictly prohibited and will terminate the license granted herein. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise.

Disclaimers and Limitation of Liability

Phil Edney makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

Phil Edney has not made and does not make any warranty of any kind whatsoever, express or implied, or arising by statute, usage or trade, custom or otherwise, of any kind with respect to the contents of this site; and all implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Phil Edney. Phil Edney will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. Except as specifically stated on the website, neither Phil Edney nor any of its respective directors, employers, employees or other representatives will be liable for damages arising out of or in connection with the use of the website, or any linked websites. This limitation of liability applies to all damages of any kind, including (without limitation) direct, indirect or consequential damages, loss of data, income or profit, loss of damage to property and claims of third parties. While Phil Edney believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Phil Edney does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Phil Edney may make changes in the products and/or services described herein, however, Phil Edney makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites

Some of the sites listed as links herein are not under the control of Phil Edney. Accordingly, Phil Edney makes no representations whatsoever concerning the content of those sites. The fact that Phil Edney has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Phil Edney with respect to such site, its owners or its providers. Phil Edney is providing these links only as a convenience to you. Phil Edney has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Phil Edney cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

General Matters

The Terms of Use, together with the Privacy Policy and any Additional Terms, is the entire agreement between you and Phil Edney relating to the subject matter herein.

If any provision of these Terms of Use are unlawful, void, or unenforceable for any reason, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.

We may assign our rights and obligations under these Terms of Use. This Agreement will inure to the benefit of our successors, licensees and assigns. You may not assign your rights or obligations under these Terms of Use without our consent. This Agreement will inure to the benefit of your successors and permitted assigns.

The failure of either party to insist upon or enforce the strict performance of the other party with respect to these Terms of Use, or to exercise any right under these Terms of Use, will not be construed as a waiver or relinquishment of such party’s right to assert or rely upon any such provision or right in that instance, or in any future instance; rather, the same will be and will remain in full force and effect.