Terms Of Use For Our Web Site

TD Insurance Meloche Monnex refers to the home and auto insurance program underwritten by Security National Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Québec and Meloche Monnex Financial Services Inc. in the rest of Canada. By using and accessing this site, you indicate your acknowledgement and acceptance of the following terms and conditions: 

General Terms

Information or data contained in this Web site is not guaranteed to be timely, current, accurate, or complete and is subject to change without notice. Changes to the information, products or services described in this Web site may be made without updating this Web site to reflect such changes. Please contact us for confirmation before acting on any information or data. This Web site is presented on an "as is" basis only, for your reference. Internet software or transmission problems may download and display inaccurate or incomplete information. Products and services advertised on this Web site are:

• subject to the terms of the agreements governing them;
• only available in the provinces and territories of Canada, where they may be legally offered.

This communication 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. Our services are available only in those jurisdictions where they may be legally offered.

Trademarks / Copyright

Certain names, logos, designs, titles, words or phrases on this page or other pages of this Web site may constitute trademarks, service marks or trade names of TD Insurance Meloche Monnex, or other entities. Meloche Monnex®, The Million Dollar Solution®, Micro-Enterprise Solution®, and Wide Horizons Solution® are registered trademarks of TD Insurance Meloche Monnex. All information on this Web site is protected under the copyright laws of Canada and/or other countries. Except for the purposes of downloading the pages of this site for viewing, unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication of any part of this Web site for any purpose is strictly prohibited. No content from this site may be posted to news groups, mail lists or electronic bulletin boards, or incorporated into any other Web site nor may links be created to this Web site without the prior written consent of TD Insurance Meloche Monnex. The display of trademarks, trade names, or service marks on this Web site does not convey or create any licence or privilege of any kind. Unauthorized use or exploitation of such marks and names is strictly prohibited.

Email Disclaimer

Email sent over the Internet is not a secure medium of communication and privacy cannot be assured. TD Insurance Meloche Monnex cannot assume any responsibility for any injury, harm or damage you may experience or incur by sending personal or confidential information to TD Insurance Meloche Monnex over the Internet by email, or if we send such information at your request.

Links to Other Sites

References in this Web site to third parties' goods or services are not endorsements or approval of such goods or services; links to other Web sites are not endorsements or approvals of such sites, the third parties named therein, or their products and services, nor is any liability assumed for inaccuracies contained therein, or for incompatibility, non-suitability, viral infection, worms, Trojan horses, or other destructive/disruptive components on or from such sites. You should always use appropriate anti-virus or other protective software to protect your data and equipment.

Disclaimer of Liability

TD Insurance Meloche Monnex is not responsible in any way for any damages, (direct, indirect, special, economic, or consequential) or harm suffered by anyone in respect of use of this Web site, any of its content or any Web browser, in respect of error, negligence, interruption, omission, or delay in information, data, or quotes contained in or displayed on this Web site.

Insurance Products

All insurance products are subject to the limitations and conditions in the insurance policies and the applicable legislation. Owing to provincial legislation, our automobile insurance program is not offered in British Columbia, Manitoba and Saskatchewan. Wide Horizons Solution® travel insurance is administered by Expert Travel Financial Security (E.T.F.S.) Inc. and is underwritten by Royal & Sun Alliance Insurance Company of Canada. TD Insurance Meloche Monnex travel insurance assistance and claims services are provided by Global Excel Management, Inc., a member of the ETFS Financial Group. Micro-Enterprise Solution®, our insurance program for independent professionals, is underwritten by AXA Assurances, Inc. and AXA Pacific Insurance Company. Our home and automobile insurance program is underwritten by Security National Insurance Company.

Compensation and Ownership / Code of Consumer Rights and Responsibilities

As part of our ongoing commitment to helping you make informed property and casualty insurance choices, we at TD Insurance Meloche Monnex put together an insurance disclosure document on our compensation to duly licensed and fixed salaried representatives.
More information
More information on the Code of Consumer Rights and Responsibilities

Principles for the Sale of Insurance – A consumer Protection Document for Residents of Newfoundland and Labrador only.

It’s important that all our clients understand their rights regarding insurance. We take pride in ensuring that your rights are protected at all times and that your insurance meets your needs and keeps you properly protected. As your insurance provider of choice, we offer you a wide range of coverage options along with various deductible levels and discounts. To ensure you have the deductible that meets your needs and that you’re benefiting from all eligible discounts, please visit us online or contact your local Client Services Centre.

Principles for the Sale of Insurance – A Consumer Protection Document
A special document developed by the Superintendent of Insurance for Newfoundland & Labrador is available for consultation. If you would like to consult the document, please click here. Its purpose is to keep you informed of your rights regarding the sale and purchase of home and auto insurance. Contact information is also available if you have any questions or concerns.

For additional information, you may also refer to:

Summary of Coverage, Deductibles and Discounts – Auto
Summary of Coverage, Deductibles and Discounts – Home
The Most Frequent Questions and Answers

Other

The disclaimers, terms and conditions contained in these pages of TD Insurance Meloche Monnex. Legal Information is of general application and shall be read to be supplementary to, and in harmony with, any disclaimer, term, or condition of specific application (for example online quote) or pages of this Web site. In case of conflict, the specific shall take precedence over the general.