Terms and Conditions
laws. By accessing and using this website, you are accepting these terms and conditions without limitations and agree to be bound by these terms and conditions and all applicable laws. If you do not agree with any of these terms and conditions, please
exit this website immediately.
The term "The Co-operators" means, collectively, The Co-operators Group Limited and any of its related, affiliated and subsidiary corporations, including (without limitation) Co-operators General Insurance Company, Co-operators Life Insurance Company, COSECO Insurance Company, HB Group Insurance Management Ltd., Federated Agencies Limited, Co-operators Financial Services Limited,
CUMIS General Insurance Company, CUMIS Life Insurance Company, The Sovereign General Insurance Company, The Edge Benefits Inc. and Premier Marine Insurance Managers Group (West) Inc.
The Co-operators reserves the right, in its sole discretion, to modify these terms and conditions at any time without notice to you, and your continuing use of this website following such modifications shall indicate your
acceptance of such modifications. You should periodically revisit this page in order to review the latest version of these terms and conditions.
The laws of the Province of Ontario and the laws of Canada applicable therein (without regard to conflict of law provisions) shall govern your use of this website, the materials and information provided on this website and these terms and conditions.
Any legal action or proceeding relating to this website shall be governed exclusively by the courts of the Province of Ontario and all courts of appeal therefrom. If you access this website from a location outside of Canada, you do so on your own initiative
and are responsible for compliance with local laws, if and to the extent local laws are applicable.
If any provision of these terms and conditions are found by a court of competent jurisdiction to be invalid or void, then that provision shall be deemed to be severable from the rest of these terms and conditions and shall not affect the validity and
enforceability of any remaining provisions of these terms and conditions, which shall remain in full force and effect. The Co-operators' failure to enforce, or delay in enforcing, any of these terms and conditions shall
not operate as a waiver of any of The Co-operators' rights or privileges under these terms and conditions. When it is appropriate, a word used in the masculine gender includes the feminine gender, and vice versa.
The Co-operators does not warrant that this website will always be available or that it will meet your requirements, nor does it warrant that access will not be interrupted, or that there will be no delays, failures, errors
or omissions, or loss of transmitted information. The Co-operators assumes no liability for loss or damages (including direct, indirect, special, incidental, consequential or punitive damages) that may result from any of
These terms and conditions are of general application to this website, and are supplementary to any disclaimer, term or condition of specific application on a particular webpage provided on this website. In case of conflict, the specific disclaimers,
terms and conditions shall govern over these terms and conditions.
Products and services of The Co-operators are only offered in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in your province or territory of residence. Discounts, coverage
and eligibility vary by province and territory. All products and services are subject to the terms of the applicable agreements and laws that apply thereto. In case of any discrepancy between any such agreement and this website, the agreement will govern.
The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.
The insurance coverage described in this website is underwritten by Co-operators General Insurance Company, Co-operators Life Insurance Company or by third party insurance companies which have
entered into agreements with The Co-operators and is administered by Co-operators General Insurance Company or Co-operators Life Insurance Company.
The material and information provided on this website is provided "as is" and without warranties of any kind, either express or implied. The Co-operators disclaims all warranties, express or implied, with respect to this website,
including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.
Without limiting the generality of the previous paragraph, The Co-operators does not guarantee that the material and information provided on this website will be up-to-date, complete or accurate. Such material and information
is subject to change without notice.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, services or other information provided on this website. The opinions, services and other information provided on this website do not constitute, and
The Co-operators is not rendering, legal, accounting or other professional advice, and The Co-operators disclaims and does not assume any liability whatsoever with respect to such opinions, services
or other information.
The Co-operators disclaims all liability arising from the use of this website or the materials and information provided on this website by any user, including any losses, damages, lawsuits, claims or expenses a user may incur
as a result of accessing or using this website or such materials or information. Further, and without limiting the generality of the foregoing, in no event shall The Co-operators be liable for any direct, indirect, special,
incidental, consequential or punitive damages arising out of the access or use of this website or the materials and information provided on this website, even if it has been advised of the possibility of such damages.
Copyright and Trademarks
Unless otherwise noted, the graphic images, buttons, layout and text contained in this website are protected by copyright and are the exclusive property of The Co-operators, represent only part of the intellectual property
of The Co-operators, and may not be copied, redistributed, reproduced, republished, stored in any medium, re-transmitted, modified or made public for commercial use, in whole or in part, without the express written consent
of The Co-operators. Users of this website may copy any materials or information provided on this website and display and use such materials or information for their own personal use, but may not republish or reproduce such
materials or information in any manner, including electronic reproduction by uploading or downloading for commercial or other uses, without the prior written consent of The Co-operators. Where the copying or republication
of materials or information provided on this website is permitted by these terms and conditions or by the written consent of The Co-operators, an acknowledgment of the source must be included whenever such materials or information
are copied or republished.
Certain names, words, titles, phrases, logos, icons, graphics or designs contained in this website may constitute trade names, registered or unregistered trademarks or service marks of The Co-operators or third parties. Such
trade names, trademarks and service marks are protected by applicable laws, and may not be used except with the prior written consent of The Co-operators or the applicable third party. Any unauthorized downloading, re-transmission,
or other copying or modification of trade names, trademarks and service marks found on this website may be a violation of statutory or common law rights which could subject the violator to legal action. The display of logos on pages of this website
does not imply that a license of any kind has been granted to anyone else. The Co-operators prohibits the use of its logos and registered names as hyperlinks to any other websites without written authorization. All rights
The symbols ® and TM designate Canadian registered trademark and unregistered trademark status respectively.
OneStep™, used under license from Co-operators General Insurance Company.
CLIC™ and the CLIC™ design are trademarks of CUMIS Life Insurance Company and are used under license.
CUIS™ and the CUIS™ design are trademarks of Credit Union Central of Canada and are used under license.
CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.
The Co-operators does not guarantee that any hyperlink provided on this website will be accurate at the time of your access. Moreover, the website pointed at by a hyperlink provided on this website may be developed and maintained
by persons over whom The Co-operators has no control. The Co-operators cannot and does not monitor third party websites, and, accordingly, The Co-operators makes
no representations or warranties regarding, and assumes no responsibility for, any websites pointed at by a hyperlink provided on this website or otherwise referenced on this website. The inclusion on this website of a hyperlink to a third party website
is not an endorsement of, and does not constitute our approval of, the website to which the hyperlink points, the relevant third party, or its goods or services. Hyperlinks are provided on this website solely for your convenience. Accessing a website
via a hyperlink provided on this website is entirely at your own risk.
The Co-operators has the right, but not the obligation, to monitor any transmission made to or from this website. The Co-operators is committed to respecting the privacy of your personal information.
However, the internet is not a secure medium of communication and, accordingly, The Co-operators cannot assure the privacy or security of any information that you input into this website or transmit to us over the internet
via this website, via email or otherwise. The Co-operators is not responsible for any damages that you or others may suffer as a result of the loss of confidentiality of any such personal information during its input into
this website or its transmission to us, or in our communicating such personal information to you at your request.
The Co-operators does not warrant that any information, software or other material accessible through this website is free of viruses, worms, trojan horses or other disruptive, destructive or harmful components.
Online Tools and Calculators
Any online tools and interactive calculators made available on this website are for informational purposes only. Although we believe such tools and calculators are accurate and complete, The Co-operators makes no warranty,
nor accepts any liability related to their use. While these tools and calculators may be useful to you, The Co-operators does not intend, nor should you regard the results of your usage as financial, legal, tax or accounting
advice, or advice regarding the suitability or profitability of any product or investment, or any decision in respect thereof. No reliance may be placed on us for any such advice and we encourage you to seek personalized advice from qualified professionals.
Calculations or projected results are provided for illustration only and are not guaranteed to be accurate or complete, being based on hypotheses. Any default values are provided for illustrative purposes only and solely as a reference.
Any quotes provided by the tools contained on this website are estimates only, and are neither an acceptance of insurance nor a guarantee of insurability. Such quotes are based on the information you have provided and do not include any applicable taxes.
For your convenience, we have preselected the coverages, limits, and deductibles most often chosen by our clients. You can customize your coverage to better suit your needs and budget. Further information will be necessary to provide you with a final
quote and, accordingly, the actual premium may be higher or lower than the premium described in the quote provided by the tools contained on this website. You must contact
The Co-operators to obtain a final quote and finalize your transaction. You must provide us with all known facts which are likely to materially influence us in the appraisal of the risk, the setting of the premium or our
decision to provide you with coverage. In the event of a difference between the premium estimated on-line and that quoted by The Co-operators, whether higher or lower, the premium quoted by The Co-operators will apply.
Rules and Regulations of The Co-operators Online Services Monthly Cash Giveaway Contest –2019
The contest will run from January 1, 2019 at 12:01am Eastern Time (ET) to December 31, 2019 at 11:59pm ET. Click here for full contest rules.
Rules and Regulations of the “Double Your RRSP or TFSA Contribution Contest”
The contest will run from January 1, 2019 at 9:00am Eastern Time (ET) to February 28, 2019 at 5:00pm ET. Click here for full contest rules.
Rules and Regulations of the “What would you do with $5K” Contest
The contest will run from January 1, 2019 at 9:00am Eastern Time (ET) to February 28, 2019 at 5:00pm ET. Click here for full contest rules.
ADDITIONAL TERMS AND CONDITIONS – MOBILE APPLICATIONS
The terms and conditions set forth above along with the additional terms and conditions set out below (collectively, the "Terms") apply to your use of the following mobile applications, which are each referred to in these additional terms
and conditions as an "Application", and which are collectively referred to in these additional terms and conditions as the "Applications":
- The Co-operators Mobile Application; and
- Benefits Now Mobile Application.
When applying the terms and conditions set forth above, the term "this website" shall be read as "the Applications". In the event of a conflict between the terms and conditions set forth above and the additional terms and conditions set out below, the
terms and conditions set forth above shall govern.
The Applications are available for download from third party mobile application stores and may be used on smart phones and tablets (collectively, "Mobile Devices" and each a "Mobile Device"). The Applications are owned
and operated by The Co-operators. The Co-operators may suspend, cancel or block your access to or use of an Application at any time and for any reason, without notice or liability to you.
The Co-operators may, although shall not be required to, update an Application from time to time, and you acknowledge that your continued use of an Application may require you to promptly install and use the updated version
of such Application.
By using an Application, you agree to be bound by the Terms, and agree that the Terms constitute a binding contract between you and The Co-operators. The Co-operators reserves the right, at its
discretion, to change, modify, add or remove portions of the Terms at any time. Please check these Terms periodically for changes. Your continued use of an Application following the posting of changes to the Terms will constitute your acceptance of
The contents of the Applications and the information and data provided by the Applications are intended for private, non-commercial use by individuals only, and are provided for personal use only.
The Applications, including but not limited to all text, graphics, logos, icons, images, data, graphs, audio, videos, computer programs and other material and information contained on, or utilized in the provision of, the Applications are the property
of The Co-operators or its suppliers and are protected by copyrights, trademarks, trade secrets, patents or other proprietary rights.
The Co-operators hereby grants you a limited, nonexclusive, non-transferable, revocable, personal license to use the Applications on your Mobile Devices for personal use only. Any commercial use of the Applications in whole
or in part, directly or indirectly, is specifically forbidden except with the prior written consent of The Co-operators. The Co-operators retains all right, title and interest in and to the Applications.
You are prohibited from renting, leasing, lending, selling, redistributing or sublicensing the Applications, and from decompiling, reverse engineering, disassembling, or attempting to derive the source code of, the Applications. You shall not use the
Applications for any illegal or fraudulent purpose or in a manner that infringes on another person’s rights.
Except as expressly authorized by The Co-operators in writing, you may not use, copy, distribute, modify or create derivative works from, disclose, display, transmit, or post any portion of the Applications for any purpose
or 'frame' or 'mirror' the Applications on any other server or wireless or internet-based device. Notwithstanding the foregoing, you may print or otherwise save individual pages produced by, or displayed on the Applications for private use, however
the contents of the Applications may not be modified or altered in any respect, merged with other data or published in any form, in whole or in part. Prohibited uses of the Applications include but are not limited to "screen scraping", "database scraping"
and any other activity intended to collect, store, reorganize or manipulate data on the pages produced by, or displayed on the Applications. All rights not expressly granted herein are reserved to The Co-operators and/or
The Co-operators may, in its sole discretion, terminate the licence granted hereunder or your use of the Applications for any reason whatsoever, including: (a) breach of these Terms; (b) your abuse of an Application's resources
or attempt to gain unauthorized entry to an Application; or (c) as required by law, regulation, court or governing agency order. The Co-operators' termination of the licence granted hereunder or your use of the Applications
may be effected without notice and, on such termination, The Co-operators may immediately bar any further access to the Applications. On termination, you will immediately cease using the Applications and permanently erase
the Applications. Any provision of these Terms which by their nature extend beyond the termination of these Terms shall survive the termination of these Terms. The Co-operators shall not be liable to any user or other third
party for any termination of the licence granted hereunder or your use of the Applications.
Limited Warranty; Limitation of Liability
Your use of the Applications and any information provided by or through the Applications is at your sole risk. The Applications and any information provided by or through the Applications is provided on an "as is" and "as available" basis. The Co-operators expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. The Co-operators shall not be liable for any direct, indirect, incidental, special, consequential, punitive or exemplary damages resulting from any user's use of or inability to use the Applications or any reliance by a user on any information provided by or through
Notwithstanding the generality of the foregoing, The Co-operators makes no warranty, either implied or express, that the Applications will be provided uninterrupted, error-free or virus-free, in a timely, secure, accurate
or reliable manner, or of any quality, nor is it warranted either implicitly or expressly that any data contained in the Applications is safe in any manner for download. You understand and agree that The Co-operators does
not provide any professional advice of any kind via the Applications and that any advice or any other information obtained via the Applications may be used solely at your own risk, and that The Co-operators will not be held
liable in any way for such information or your use thereof.
You are solely responsible for your Mobile Devices and any data stored thereon or accessible therefrom. You agree to take all necessary precautions to protect your Mobile Devices and the data stored thereon, including, but not limited to, (a) using a
strong and secure lock screen password or biometric authentication feature, (b) protecting your Mobile Devices from viruses and other malicious software, and (c) maintaining possession of your Mobile Devices at all times. Precautions should also be
followed with respect to selecting and maintaining the confidentiality of lock screen and Application passwords and verification questions and answers. You are responsible for ensuring that the Applications and all related data are erased prior to selling,
gifting, donating, or otherwise disposing of your Mobile Devices or any related SIM cards. You acknowledge that some of the functionality of the Applications requires internet access, and agree to pay any fees or other charges imposed by your wireless
services carrier or internet service provider with respect to such internet access, and shall indemnify and hold The Co-operators harmless with respect to same.
In connection with your use of an Application, your provision of a Mobile Device to any third party, including, but not limited to, governmental authorities and law enforcement officials, is entirely at your own risk, and The Co-operators shall not be responsible for, and you agree to indemnify The Co-operators with respect to, any loss or damage that you may incur as a result. Without limiting the generality of the foregoing, you acknowledge that there is
a risk that following your provision of a Mobile Device to a third party in order to allow such third party to view information contained within an Application, such third party may access other information contained within your Mobile Device accidentally
or otherwise without your consent, or such third party may damage your Mobile Device or data contained thereon, and you agree that The Co-operators shall not be responsible for, and you agree to indemnify The Co-operators with respect to, any loss or damage that you may incur as a result.
Electronic Proof of Insurance
The Applications may contain electronic liability slips relating to your insurance coverage. You acknowledge that such electronic liability slips are being provided for your convenience and for informational purposes only. Applicable laws may require
you to carry original hard copies of such liability slips for the purposes of evidencing insurance coverage to law enforcement or governmental authorities, and appropriate warnings will be displayed in the Applications where such laws are in place.
You agree that The Co-operators shall not be responsible for, and you agree to indemnify The Co-operators with respect to, any loss or damage that you may incur as a result of failing to carry
original hard copies of such liability slips where required by law.
ADDITIONAL TERMS AND CONDITIONS – ONLINE SERVICES
For the purposes of the following additional terms and conditions, the following terms will have the following meanings:
"Credentials" means your username, password, and any other identifying factors that you will be required to create in order to access the Online Services. If you have enabled Touch ID, Face ID or other biometric recognition feature on
an electronic device to sign into Online Services, your credentials include any fingerprint or other biometric marker stored on such device, and the password to such device.
"Online Services" means the online services offered by The Co-operators through www.co-operators.ca or through the Co-operators Mobile Application, and any other online service offered to you by The Co-operators.
Use of Online Services
You may use Online Services only in accordance with these terms and conditions. You shall not use Online Services for illegal, fraudulent or defamatory purposes, or take any steps that could undermine the security or integrity of Online Services, or cause
harm to, or threaten to harm, any other user of Online Services. You authorize The Co-operators to accept, and agree to be responsible for, any electronic instructions given by you through Online Services to the same extent as if you had given signed,
written instructions to The Co-operators. Online Services is protected by information security practices that are standard in the financial services industry, however, there is always a risk that your Online Services session may be compromised due to
circumstances beyond our control. By using Online Services, you agree to accept this risk.
- You may request the certain changes to your policy through Online Services (each a "Change").
- You are solely responsible for all Changes you request through Online Services, and all consequences of such Changes.
- You agree to pay any increased premiums and applicable taxes thereon resulting from a Change made by you through Online Services.
- Any Change requested will be processed by The Co-operators immediately.
- The effective date of a Change requested through Online Services will be confirmed to you through Online Services and by email. The effective date of certain Changes may be future dated.
- The summary information presented in Online Services is a representation of your coverages and other pertinent details about your coverages. This information is not a declarations page, policy, endorsement or otherwise intended to form part of your contract of insurance. Recent changes to the policy(ies) may not be reflected. In the event of any discrepancy between the information provided in Online Services and the policy(ies), the terms of the policy(ies) shall prevail. Please refer to your insurance policies for the exact extent of your coverage, limits, deductibles, conditions, and limitations that apply to you. If you have any questions or require further information, please contact your Financial Advisor or The Co-operators.
- You shall advise us promptly of any changes to the email address you provided when you registered for Online Services.
- The most recent version of your insurance documents will be available online through Online Services. We recommend that you save copies of your documents to keep a history of your transactions, and so that you can refer to them later on if needed.
DO NOT SHARE YOUR CREDENTIALS WITH ANYONE. You must keep your Credentials confidential at all times, and take all reasonable precautions to prevent your Credentials from being discovered by, disclosed to, or used by, a third party. Wherever possible,
you should avoid accessing Online Services through a public computer, or over a public or unsecured network. If you suspect that your Credentials have been discovered by, disclosed to, or used by a third party, you should contact your Financial Advisor
or The Co-operators immediately.
If you have enabled Touch ID, Face ID or any other biometric recognition feature on an electronic device to sign into Online Services, you must ensure that only your fingerprints or other biometric markers are stored on such device, and understand that
a fingerprint or other biometric marker of another person that is stored on such device can be used to sign into Online Services. Accordingly, to prevent any other person from registering their fingerprint or other biometric marker on your electronic
device, you must ensure that your electronic device is kept physically secure and protected by a strong passcode and other security features at all times. You understand that any Touch ID, Face ID or other biometric marker authentication is performed
by The Co-operators by interfacing with the relevant feature of your electronic device, and you agree to that process. You acknowledge that the Touch ID, Face ID or other biometric recognition feature of your electronic device is not provided by The
Co-operators, and that The Co-operators makes no representation or warranty regarding the functionality or security of such feature.
Limitation of Liability
The Co-operators shall not be responsible or liable to you or to others for any direct, indirect, consequential or special damages, including without limitation all losses, costs, or expenses, arising from your use of, or inability to access, Online Services.
Cancellation of Online Services
You may cancel your Online Services account at any time through Online Services or by calling us. We may suspend or refuse to provide Online Services to you at any time without notice.