1.1 The term “Websites” includes "http://www.homeownersofcanada.com", and related sites affiliated with us. By viewing any of the Websites the user ("you") is deemed to consent to all terms and conditions set out below. If you have any questions regarding the terms and conditions, you should contact us here.

1.2 HomeownersOfCanada.com ("Homeowners Of Canada") reserves the right at all times to vary, change, alter, amend, add to or remove any of these terms and conditions. By browsing the Websites, you accept that you are bound by the current terms and conditions and notices. Please ensure that you review these terms and conditions each time you revisit the site as you will be deemed to have accepted a variation if you continue to use the Websites after the variation has been posted.

1.3 The current draft of these terms and conditions was amended and published on June 2, 2018.

2.1 All copyright and other intellectual property rights in any material contained on the Websites are either owned by Homeowners Of Canada or have been licensed to Homeowners Of Canada by the rights owners. The Websites contain trademarks which belong to Homeowners Of Canada or which have been licensed to Homeowners Of Canada by the trademark owners, for use on the Websites. Your use of these trademarks is prohibited unless prior written permission has been obtained from the trademark owner.

2.2 You may access any part of the Websites and download or copy material (by printing off individual pages onto paper) or download material on to disk (but not on to any server or other device connected to a network) for personal non-commercial use only. The intellectual property rights in such material shall be retained by Homeowners Of Canada or, where the material has been licensed to Homeowners Of Canada, by the owners of the rights in the material.

2.3 Links to the Websites are not permitted other than to the respective Home Page for personal use except with prior written permission. Links to the Websites from within a frameset definition are not permitted except with prior written permission.

2.4 You may not remove any copyright, trademark or intellectual property notices contained in the original material from any material downloaded or copied from the Websites.

2.5 Copying, distributing or any use of the material contained on the Websites for any commercial purpose is prohibited. 2.6 You may not create a database by systematically downloading substantial parts of the Websites.

3.1 The content of the Websites is for general information only and does not constitute any form of advice or recommendation upon which a specific decision should be made. Homeowners Of Canada has done its best to ensure the accuracy and currency of the materials contained on its Websites but to the fullest extent permitted by law excludes any warranty, whether express or implied, by statute at common law or otherwise, relating to the Websites and the material contained on the Websites, in particular (but without limitation of the above), Homeowners Of Canada gives no warranties as to quality, accuracy, timeliness, completeness or fitness for a particular purpose of the Websites or of the material contained in it. Anyone using the information on this site does so at his or her own risk.

3.2 To the fullest extent permitted by law Homeowners Of Canada will not be liable for any claims, costs, penalties, loss (whether direct, indirect or consequential and whether economic or special loss), damages or expenses arising from the use or from the inability to use the Websites or from reliance on information or on advice contained on the Websites or from any unauthorized access or alteration to the Websites by a third party.

3.3 Nothing in these terms and conditions shall exclude liability for death or personal injury directly caused by the negligence of Homeowners Of Canada nor any other liability which cannot be excluded or limited under applicable law.

3.4 Homeowners Of Canada will try to make the Websites available but cannot guarantee that the Websites will operate continuously or without interruptions or be error free and can accept no liability for its unavailability. You must not attempt to interfere with the proper working of the Websites and in particular you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other internet connected device. You should use the appropriate security software before and during access to the Websites.

3.5 The entry profile is given as a guide as to the likely qualification requirements for entry to a course. There are only limited places on each course and possession by an applicant of the criteria for selection indicated by the appropriate entry profile will not automatically ensure admission to that course. Each institution assesses applicants on an individual basis and then makes its offers accordingly.

3.6 The Websites include links to external websites. These links are provided to help you find additional information quickly and easily. Homeowners Of Canada accepts no responsibility for the content of these websites and specifically excludes (to the fullest extent permitted by law) all liability that may arise with respect to or as a result of such material causing damage, costs, injury or financial loss of any kind. We are not responsible for the content and the privacy practices of other websites and encourage you to examine each site’s privacy policy and disclaimers and make your own decisions regarding the accuracy, reliability, and correctness of material and information found.

3.7 Though the Websites may from time to time contain advertising material, Homeowners Of Canada does not endorse or accept any liability for any of the products or services so advertised, or for any error or inaccuracy in the advertisements. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Websites comply with all relevant laws.

4.1 "Personal Information" is information about you as defined in the Privacy Policy and the scope of your consent to its collection, use and disclosure is described in such policy.

Homeowners Of Canada logs HTTP requests to our server, as well as tracking website clickstream and other browsing data using cookies (“Web Analytics”). This captures computer information and navigation data. Some of the information collected does not identify who you are. Other information, such as your domain name or IP address, may identify you depending on the naming standards followed by your Internet service provider. If this concerns you, you may wish to ask them about their policies and practices. Web Analytics is the collection, analysis, measurement, and reporting of data about Web traffic and visits for purposes of understanding and optimizing Web usage. The following types of information are collected and used for 

The Internet domain and IP address from which you access the Websites; the type of browser and operating system used to access the Websites; the date and time you access the Websites; the geographical location from which you access the Websites; the pages you visit; and if you linked to the Websites from another website, the address of that website. We use this information to help us make our sites more useful to our audiences by learning about the number of visitors to our sites, and by monitoring traffic patterns and the types of technology our visitors use. This Web Analytics information may also be linked to your Personal Information in order to provide better customer service. Visitor information is not disclosed to anyone except Homeowners Of Canada personnel, and to certain affiliates, which may utilize more sophisticated Web Analytics functionality, who need the information for legitimate business purposes. Certain third party services relied upon by Homeowners Of Canada, such as for live chat, also utilize cookies and other Web Analytics which may collect identifying features about you. Please review third party privacy policies, including the Colleges, if this concerns you. If you wish, you may opt out of or minimize the extent of Web Analytics by disabling or refusing the cookies; by disabling JavaScript within your browser; or by using the Google Analytics Opt-Out Browser Add-On. These steps may cause difficulties accessing certain services.

7.1 For site security purposes, Homeowners Of Canada employs software programs to monitor network traffic that identifies unauthorized attempts to upload or change information, or otherwise cause damage. Except for authorized law enforcement investigations, no other attempts are made to identify individual users or their usage habits beyond those referred to in section 6 above.

7.2 Any rights not expressly granted herein are reserved to Homeowners Of Canada.

7.3 Homeowners Of Canada reserves the right, at any time, to suspend or terminate your access to, or use of, the Websites.

7.4 Homeowners Of Canada will always seek criminal prosecution of any individual who or organization which seeks to use Homeowners Of Canada’s name, material, logos or trademarks for unlawful purposes and, where appropriate, will take action within the civil courts of any applicable jurisdiction against any individual or organization discovered to be using Homeowners Of Canada’s name, logos, trademarks or the Websites for unauthorized or unlawful purposes.

7.5 These terms & conditions of use shall be construed and interpreted in accordance with the laws of Canada and specifically Ontario. The Ontario courts shall, subject as set out in clause 7.6, have exclusive jurisdiction in relation to any claim, dispute or other matters arising there from.

7.6 For the exclusive benefit of www.homeownersofcanada.com, Homeowners Of Canada shall retain the right to bring proceedings in the Courts of the country of residence of any user of the Websites.

7.7 If any provision of these terms and conditions is found to be invalid by any Court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms and conditions which shall continue to have full force and effect.

7.8 The failure by Homeowners Of Canada to exercise any right or remedy under these terms and conditions shall not constitute a waiver of that right or remedy.

7.9 The Websites are provided primarily to support the work of Homeowners Of Canada, a for-profit corporation, which owns and manages the Websites.

1. By using this Product you acknowledge that you accept all terms and conditions of this Agreement in addition to those contained in the Websites’ standard terms and conditions for their use.

2. You are hereby granted a non-exclusive, non-transferable license to use the Product on your own PC.

3. You may copy material (by printing off individual pages on to paper) for your personal non-commercial use only.

4. You must not: Translate, disassemble, decompile, modify or reverse engineer the Product in whole or in part or merge it with other software programs. Adapt modules of the Product for your own purposes. Use the Product for any commercial purpose whatsoever.

5. Information supplied to enable completion of the Homeowners Of Canada application does not constitute any form of advice or recommendation relating to any particular rebate or supplier.

6. Homeowners Of Canada shall have the right to terminate your use of the information provided immediately if you fail to comply with either these terms or the terms and conditions for use of the Websites.