Terms
1. General Provisions
1.1. Our Terms of Use ("Terms of Use") governs your access and use of the Website operated by Smart Online Hacks, with it registered address: Suite 600, 43 Church Street, St Catharines. L2R 7E1. Ontario, Canada. By accessing, searching, browsing, and using this Website, you ("you" or "User") gives us your consent that you have read, understood, and accepted this Terms of Use. You can send us an email to reach us at: info@smartonlinehacks.com. In case of disagreement with any of the terms and provisions herein, you shall stop your Website usage and opt out by closing the Website.
1.2. We do not charge you a fee to use the Website.
2. Main Functionality
2.1. With the help of our Website you can send a request regarding inquiries on below mentioned types of insurances:
2.1.1. LIFE INSURANCE;
2.1.2. HEALTH INSURANCE;
2.1.3. CRITICAL ILLNESS INSURANCE;
2.1.4. TRAVEL INSURANCE;
2.1.5. RRSP, RESP.
2.2. To complete your request we may ask you to provide us with the specific categories of data depending on the type of insurance you would like to choose by filling the type forms or choosing the offered option.
2.3. You agree that smartonlinehacks.com is not liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of the website.
2.4. By using the website, you agree that smartonlinehacks.com may collect, store, and transfer such information on your behalf, and at your sole request. More information is available in our Privacy Policy. You agree that your decision to make available any sensitive or confidential information is your sole responsibility and at your sole risk.
2.5. The Website may contain links to third party websites and services. smartonlinehacks.com provides such links as a convenience, and does not control or endorse these websites and services. You acknowledge and agree that smartonlinehacks.com has not reviewed the content, advertising, products, services, or other materials that appear on such third party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third party websites or services.
3. User’s Representation and Guarantees
3.1. You realise that if you provide to smartonlinehacks.com wrong or incorrect details it may affect the value of the Website to you.
3.2. You confirm and ensure to us that you:
3.2.1. have the power, authority, and are of sufficient legal age to enter into this Terms of Use;
3.2.2. agree to not pretend that you are, or that you represent, someone else, or impersonate any other person or entity;
3.3. You guarantee that:
3.3.1. the information and details that you provide to us will be accurate, current, true, supportable, and complete. Vice Versa may lead to wrong request formation.
3.3.2. you are at least 13 years of age, as the Website is not designed and intended for use by minors under the age of 13, and we do not intentionally collect personal information from children through our Website. In case you are 13 or older but under the age of 18, you must review these Terms of Use with your parent or guardian to make sure that you and your parent or guardian understand it, and that they agree to it on your behalf.
4. Intellectual property
4.1. The Website contains material, such as text, graphics, images and other material provided by or on behalf of us, and through your use of the Website you will be provided with additional information from us.
4.2. These materials and information are collectively referred to herein as the "Content." The Content is owned by smartonlinehacks.com and/or our licensors and may be under guard of both Canada and foreign copyright laws and treaties.
4.3. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Website, which are registered and unregistered trademarks or service marks of ours or our licensors.
4.4. We reserve all rights in and to the Website and related Content. If you submit comments, suggestions, ratings, or other feedback regarding the Website or your experience, you agree that we will be free to use such feedback for any purpose and without restriction or obligation to you.
4.5. You are granted permission to use the information provided to you on or via the Website solely for your own personal, non-commercial use, provided that none of the content was modified and that any legal legends are retained.
4.6. You may not "mirror" any content contained within this Website without our express prior written consent. Except as stated herein, none of the content may be used, copied, reproduced, distributed, published, displayed, downloaded, or transmitted in any form by any means without our prior written permission.
4.7. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Website without the prior written consent of the owner of the trademark, trade name, service mark and logo.
5. Restrictions on use of the Website
5.1. You are not allowed to:
5.1.1. rent, lease, lend, sell, redistribute, reproduce, or sublicense the Website.
5.1.2. threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others' use of this Website, unless such interference is for the purpose of complying with another section of these Terms of Use;
5.1.3. copy, decompile, reverse-engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Website, or any part thereof;
5.1.4. conducting or supporting illegal activity of any type whatsoever;
5.1.5. transmitting or storing worms or viruses or any code of a destructive nature;
5.1.6. disguising the origin of any content transmitted through this Website or manipulating your presence on the Website; and/or causing the launch of any automated system(s) that accesses this Website in a manner that sends more request messages to servers of the Website in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser;
5.1.7. delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Website;
5.2. If for some reason these restrictions are prohibited by applicable law or by an agreement we have with one of our licensors, then the activities are permitted only to the extent necessary to comply with such law or license(s).
5.3. You may not exploit or interfere with the Website in any unauthorized or unlawful way whatsoever, including, but not limited to, by trespassing or burdening the network infrastructure or capacity.
5.4. These and other violations of smartonlinehacks.com intellectual property rights may result in your liability for actual damages and loss of income to smartonlinehacks.com and profits you derive from this misapprop/riation, or alternatively, for statutory damages per infringed work, plus all costs and attorneys fees.
5.5. Unauthorized use, reproduction, creation of derivative works, transmission, display or distribution of these images or video is strictly prohibited.
5.6. We reserve the right to pursue all legal and equitable remedies against unauthorized uses.
6. Limitations on Availability and Liability, Disclaimers and Indemnification
6.1. You realize the Website or some aspects thereof may not be available in all languages or in all countries.
6.2. We make no representation that the Website is available or permitted in any particular location.
6.3. Use of the Website is void where prohibited.
6.4. You use the Website at your own initiative and are responsible for compliance with any applicable laws. We may also impose limits on the use or access to the Website as required by law.
6.12. YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 6.13. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT.
6.14. IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE.
6.15. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SERVICE, OR ANY CONTENT IS TO STOP USING THE SAME.
6.16. You agree that:
6.16.1. you will be personally responsible for your use of the Website, and you agree to defend, indemnify, and hold harmless smartonlinehacks.com from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with your access to, use of, or alleged use of the Services;
6.16.2. your violation of the Terms of Use or any applicable law or regulation;
6.16.3. your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or
6.16.4. any disputes or issues between you and any third party. smartonlinehacks.com reserves the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim.
7. Modifications
7.1. smartonlinehacks.com reserves the right to modify or discontinue, temporarily or permanently, some or all of the Website functionality at any time without any notice or further obligation to you.
7.2. Therefore, you give your consent that smartonlinehacks.com will not be liable to you or to any third party for any modification, suspension, or discontinuance of any of the Website.